National Compensation Survey: Employee 

Benefits in the United States, March 2009 

U.S. Department of Labor 

Hilda L. Solis, Secretary 

U.S. Bureau of Labor Statistics 

Keith Hall, Commissioner 

September 2009 

Bulletin 2731 

Contents 

Overview 

Tables organized by ownership 

• Civilian (includes private industry and State and local government establishments) 

• Private industry (excludes agricultural establishments, private households, and the selfemployed) 

• State and local government (excludes Federal employees) 

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 occupational 

earnings, compensation cost trends, as well as incidence and detailed provisions of employee 

benefit plans. This bulletin presents estimates of the incidence of and key provisions of selected 

employee benefit plans. Estimates presented are on benefits for civilian workers–-workers in 

private industry and in State and local government–-by various employee and employer 

characteristics. For the purposes of the NCS, Federal government, agricultural, and household 

workers, and the self-employed, are excluded. 

Questions regarding these data and recent and historical NCS benefits data can be addressed by 

calling the information line at (202) 691–6199 or by e-mailing NCSInfo@bls.gov. Information is 

available to sensory-impaired individuals upon request, telephone: (202) 691–5200; Federal 

Relay Service: (800) 877–8339. Data requests may also be sent by mail to the 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. 

U. S. Bureau of Labor Statistics (BLS) field economists collected and reviewed the survey data. 

The Office of Compensation and Working Conditions, in cooperation with the Office of Field 

Operations and the Office of Technology and Survey Processing (all in the BLS National 

Office), designed the survey, processed the data, and prepared the survey for publication. The 

survey could not have been conducted without the cooperation of the many private businesses 

and State and local government agencies and jurisdictions that provided benefits data included in 

this bulletin. BLS thanks these respondents for their cooperation. 
Civilian Tables 

___________________________________________________________________________ 

Types of Benefits 

• Retirement Benefits

• Health Care Benefits 

• Life, Short-term Disability, and Long-term Disability Insurance Benefits

• Establishment Data

• Holidays, Vacation and Sick Leave, and Other Leave Benefits

• Other Benefits

___________________________________________________________________________ 
Table 2. Retirement benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,

March 2009

(All workers = 100 percent)

Characteristics

All retirement benefits3 Defined benefit Defined contribution

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

All workers ............................................................. 71 57 80 31 29 94 56 39 69

Worker characteristics

Management, professional, and related ................ 83 75 89 47 44 94 62 47 76

Management, business, and financial ............... 87 79 91 44 41 95 75 61 81

Professional and related .................................... 82 73 89 48 45 94 57 42 74

Teachers ........................................................ 85 81 94 73 70 95 31 19 63

Primary, secondary, and special education

school teachers ........................................ 92 88 96 85 83 97 21 12 56

Registered nurses ......................................... 81 69 85 38 36 94 66 47 71

Service ................................................................... 51 34 67 19 18 94 39 20 53

Protective service .............................................. 71 59 84 51 48 94 38 21 56

Sales and office ..................................................... 73 57 78 26 23 90 64 44 70

Sales and related ............................................... 67 44 66 15 12 80 61 38 63

Office and administrative support ...................... 77 64 84 32 30 93 65 48 74

Natural resources, construction, and maintenance 70 57 81 32 31 97 56 39 71

Construction, extraction, farming, fishing, and

forestry ............................................................. 67 53 79 31 31 97 50 34 68

Installation, maintenance, and repair ................. 74 61 83 33 32 97 62 45 73

Production, transportation, and material moving ... 70 54 78 28 27 95 58 40 68

Production ......................................................... 70 57 80 27 26 97 63 44 71

Transportation and material moving .................. 69 52 76 29 27 94 54 35 65

Full time ................................................................. 80 67 84 36 35 95 64 46 72

Part time ................................................................ 40 23 59 14 12 83 31 15 48

Union ..................................................................... 92 87 95 80 77 96 42 30 73

Nonunion ............................................................... 67 51 77 22 20 92 59 41 69

Wage percentiles:4

Lowest 10 percent ............................................. 34 15 44 6 4 69 31 13 40

Lowest 25 percent ............................................. 46 26 57 10 8 82 40 20 51

Second 25 percent ............................................ 72 56 78 26 24 93 60 40 67

Third 25 percent ................................................ 80 68 86 37 35 95 62 46 74

Highest 25 percent ............................................ 88 81 91 54 52 96 65 51 79

Highest 10 percent ............................................ 90 82 92 54 51 95 68 55 80

Establishment characteristics

Goods-producing industries ................................... 75 63 83 31 30 96 67 50 75

Service-providing industries .................................. 70 56 80 31 29 93 54 37 68

Education and health services ........................... 79 68 86 47 44 94 49 33 68

Educational services ...................................... 88 83 94 75 70 94 32 21 65

Elementary and secondary schools ........... 91 87 96 86 83 97 19 10 54

Junior colleges, colleges, and universities 87 79 91 56 48 85 62 45 74

Health care and social assistance ................. 72 57 80 26 24 93 62 43 69

Hospitals .................................................... 89 77 87 52 48 93 70 49 70

Public administration ......................................... 89 85 96 83 79 95 34 21 60

See footnotes at end of table.
Table 2. Retirement benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,

March 2009—Continued

(All workers = 100 percent)

Characteristics

All retirement benefits3 Defined benefit Defined contribution

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

1 to 99 workers ...................................................... 54 38 71 12 11 92 48 32 65

1 to 49 workers .................................................. 49 35 70 10 9 93 45 29 65

50 to 99 workers ................................................ 68 48 71 19 17 89 59 39 66

100 workers or more .............................................. 85 73 86 48 45 94 63 45 72

100 to 499 workers ............................................ 80 64 80 32 29 93 65 46 70

500 workers or more .......................................... 90 81 91 63 60 95 61 44 73

Geographic areas

New England ......................................................... 66 55 83 30 29 96 50 37 73

Middle Atlantic ....................................................... 72 62 86 36 34 94 54 41 76

East North Central ................................................. 72 59 81 33 31 93 58 40 68

West North Central ................................................ 73 60 81 31 27 89 58 43 73

South Atlantic ........................................................ 72 56 77 30 27 91 63 40 64

East South Central ................................................ 73 56 77 28 26 94 57 37 66

West South Central ............................................... 67 51 77 28 27 96 54 35 64

Mountain ................................................................ 69 55 80 27 25 96 56 39 70

Pacific .................................................................... 68 55 82 33 32 96 51 37 72

1 The take-up rate is an estimate of the percentage of workers with access to a plan

who participate in the plan, rounded for presentation. See Technical Note for more details. 2 Includes workers in the private nonfarm economy except those in private households,

and workers in the public sector, except the federal government. See Technical Note for

further explanation. 3 Includes defined benefit pension plans and defined contribution retirement plans. The

total is less than the sum of the individual items because some employees had access to

and participated in both types of plans.

4 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 2. Standard errors for retirement benefits: Access, participation, and take-up rates,1 civilian workers,2 National

Compensation Survey, March 2009

Characteristics

All retirement benefits3 Defined benefit Defined contribution

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

All workers ............................................................. 0.5 0.5 0.4 0.6 0.5 0.5 0.6 0.5 0.5

Worker characteristics

Management, professional, and related ................ 0.7 0.7 0.5 1.0 0.9 0.7 0.9 0.8 0.7

Management, business, and financial ............... 1.0 1.0 0.7 1.4 1.4 0.7 1.1 1.0 1.0

Professional and related .................................... 0.8 0.8 0.6 1.1 1.0 0.8 1.0 0.9 0.9

Teachers ........................................................ 1.0 1.0 0.5 1.6 1.6 0.9 1.7 1.4 2.7

Primary, secondary, and special education

school teachers ........................................ 1.1 1.1 0.5 1.5 1.5 0.4 1.9 1.3 3.8

Registered nurses ......................................... 1.9 2.2 1.6 2.6 2.5 1.4 2.3 2.0 1.7

Service ................................................................... 1.5 1.2 1.3 0.9 0.8 0.6 1.7 1.4 1.9

Protective service .............................................. 3.2 3.0 2.0 2.9 2.8 1.1 2.7 1.8 3.2

Sales and office ..................................................... 0.8 0.6 0.5 0.7 0.6 0.8 0.9 0.6 0.6

Sales and related ............................................... 1.1 0.8 0.9 1.0 0.8 1.9 1.2 0.8 0.9

Office and administrative support ...................... 1.1 0.9 0.5 0.8 0.8 0.7 1.2 0.9 0.6

Natural resources, construction, and maintenance 1.4 1.4 0.9 1.3 1.3 0.5 1.3 1.2 1.0

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.1 2.0 1.4 1.9 1.9 0.7 2.0 1.7 1.7

Installation, maintenance, and repair ................. 1.6 1.6 1.1 1.7 1.7 0.6 1.7 1.5 1.3

Production, transportation, and material moving ... 1.2 1.2 0.9 1.1 1.0 0.5 1.2 1.0 0.9

Production ......................................................... 1.7 1.6 1.0 1.4 1.3 0.6 1.8 1.5 1.2

Transportation and material moving .................. 1.7 1.6 1.4 1.4 1.3 0.8 1.7 1.2 1.4

Full time ................................................................. 0.5 0.5 0.4 0.7 0.6 0.5 0.6 0.5 0.5

Part time ................................................................ 1.1 0.9 1.4 0.7 0.6 1.3 1.0 0.7 1.5

Union ..................................................................... 0.7 0.7 0.3 1.1 1.0 0.5 1.3 1.2 1.5

Nonunion ............................................................... 0.6 0.6 0.5 0.6 0.5 0.7 0.7 0.5 0.5

Wage percentiles:4

Lowest 10 percent ............................................. 2.2 1.8 3.3 0.6 0.5 3.6 2.3 1.9 3.8

Lowest 25 percent ............................................. 1.2 0.9 1.3 0.6 0.5 1.6 1.3 1.0 1.4

Second 25 percent ............................................ 0.9 0.9 0.7 0.8 0.7 0.5 0.9 0.8 0.8

Third 25 percent ................................................ 0.8 0.7 0.5 0.9 0.7 0.8 0.9 0.8 0.6

Highest 25 percent ............................................ 0.5 0.6 0.4 0.9 0.9 0.5 0.7 0.7 0.6

Highest 10 percent ............................................ 0.7 0.8 0.5 1.2 1.1 0.7 1.0 1.0 0.8

Establishment characteristics

Goods-producing industries ................................... 1.1 1.1 0.8 1.3 1.2 0.6 1.1 1.1 0.9

Service-providing industries .................................. 0.6 0.6 0.5 0.6 0.6 0.6 0.7 0.6 0.6

Education and health services ........................... 1.1 1.1 0.7 1.2 1.1 1.2 1.4 1.1 1.2

Educational services ...................................... 0.7 0.8 0.5 1.0 1.1 1.3 1.5 1.0 2.2

Elementary and secondary schools ........... 0.6 0.6 0.4 1.0 1.0 0.3 1.5 1.0 3.7

Junior colleges, colleges, and universities 1.2 1.6 1.1 2.5 2.1 5.1 2.8 2.0 2.2

Health care and social assistance ................. 1.8 1.6 1.2 1.4 1.3 1.2 2.0 1.6 1.3

Hospitals .................................................... 1.0 1.2 1.0 2.2 2.0 1.8 2.0 1.5 1.2

Public administration ......................................... 1.2 1.3 0.6 1.5 1.6 0.7 2.3 1.7 3.7

See footnotes at end of table.
Table 2. Standard errors for retirement benefits: Access, participation, and take-up rates,1 civilian workers,2 National

Compensation Survey, March 2009—Continued

Characteristics

All retirement benefits3 Defined benefit Defined contribution

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

1 to 99 workers ...................................................... 0.9 0.8 0.9 0.6 0.6 0.8 0.8 0.7 0.9

1 to 49 workers .................................................. 1.1 0.9 1.0 0.6 0.6 1.0 1.1 0.8 1.0

50 to 99 workers ................................................ 1.6 1.4 1.6 1.3 1.2 1.5 1.6 1.3 1.7

100 workers or more .............................................. 0.6 0.6 0.5 1.0 1.0 0.6 0.8 0.6 0.6

100 to 499 workers ............................................ 1.0 0.9 0.7 1.1 1.0 0.6 1.1 0.9 0.7

500 workers or more .......................................... 0.6 0.8 0.7 2.0 1.9 0.8 1.2 0.9 0.8

Geographic areas

New England ......................................................... 2.0 1.9 1.7 1.8 1.9 1.0 1.8 1.2 1.5

Middle Atlantic ....................................................... 0.9 1.0 0.6 1.2 1.1 1.1 1.0 0.8 0.8

East North Central ................................................. 1.2 1.1 1.0 1.2 1.0 0.7 1.3 1.0 1.3

West North Central ................................................ 1.7 2.1 1.5 2.4 1.4 4.7 1.8 1.8 1.9

South Atlantic ........................................................ 1.0 0.9 1.2 1.0 0.9 0.8 1.1 0.9 1.6

East South Central ................................................ 3.6 3.5 2.5 5.3 4.9 2.0 5.4 4.0 1.8

West South Central ............................................... 1.4 1.9 2.0 1.4 1.4 0.6 1.7 1.5 2.0

Mountain ................................................................ 2.5 2.6 1.3 2.0 2.2 1.3 2.0 1.8 1.4

Pacific .................................................................... 1.7 1.7 0.8 1.3 1.3 0.6 1.7 1.6 0.9

1 The take-up rate is an estimate of the percentage of workers with access to a plan

who participate in the plan, rounded for presentation. See Technical Note for more details. 2 Includes workers in the private nonfarm economy except those in private households,

and workers in the public sector, except the federal government. See Technical Note for

further explanation. 3 Includes defined benefit pension plans and defined contribution retirement plans. The

total is less than the sum of the individual items because some employees had access to

and participated in both types of plans. 4 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details.
Table 4. Defined benefit retirement plans: Open and frozen plans,

civilian workers,1 National Compensation Survey, March 2009

(All workers participating in defined benefit plans = 100 percent)

Characteristics Open plans2 Frozen plans3

All workers ............................................................. 85 15

Worker characteristics

Management, professional, and related ................ 85 15

Management, business, and financial ............... 81 19

Professional and related .................................... 86 14

Teachers ........................................................ 90 10

Primary, secondary, and special education

school teachers ........................................ 92 8

Registered nurses ......................................... 87 13

Service ................................................................... 88 12

Protective service .............................................. 91 9

Sales and office ..................................................... 82 18

Sales and related ............................................... 69 31

Office and administrative support ...................... 86 14

Natural resources, construction, and maintenance 92 8

Construction, extraction, farming, fishing, and

forestry ............................................................. 96 4

Installation, maintenance, and repair ................. 88 12

Production, transportation, and material moving ... 80 20

Production ......................................................... 75 25

Transportation and material moving .................. 85 15

Full time ................................................................. 85 15

Part time ................................................................ 86 14

Union ..................................................................... 87 13

Nonunion ............................................................... 83 17

Wage percentiles:4

Lowest 10 percent ............................................. 65 35

Lowest 25 percent ............................................. 78 22

Second 25 percent ............................................ 86 14

Third 25 percent ................................................ 87 13

Highest 25 percent ............................................ 84 16

Highest 10 percent ............................................ 81 19

Establishment characteristics

Goods-producing industries ................................... 80 20

Service-providing industries .................................. 86 14

Education and health services ........................... 89 11

Educational services ...................................... 91 9

Elementary and secondary schools ........... 90 10

Junior colleges, colleges, and universities 92 8

Health care and social assistance ................. 85 15

Hospitals .................................................... 87 13

Public administration ......................................... 89 11

See footnotes at end of table.
Table 4. Defined benefit retirement plans: Open and frozen plans,

civilian workers,1 National Compensation Survey, March

2009—Continued

(All workers participating in defined benefit plans = 100 percent)

Characteristics Open plans2 Frozen plans3

1 to 99 workers ...................................................... 87 13

1 to 49 workers .................................................. 90 10

50 to 99 workers ................................................ 83 17

100 workers or more .............................................. 84 16

100 to 499 workers ............................................ 81 19

500 workers or more .......................................... 86 14

Geographic areas

New England ......................................................... 79 21

Middle Atlantic ....................................................... 82 18

East North Central ................................................. 80 20

West North Central ................................................ 86 14

South Atlantic ........................................................ 89 11

West South Central ............................................... 86 14

Pacific .................................................................... 89 11

1 Includes workers in the private nonfarm

economy except those in private households, and

workers in the public sector, except the federal

government. See Technical Note for further

explanation. 2 Plans open to new participants. 3 Plans closed to new workers or plans that

cease accruals for some or all plan participants. 4 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and below

the threshold. The percentile values are based on

the estimates published in the "National

Compensation Survey: Occupational Earnings in

the United States, 2008." See Technical Note for

more details.

NOTE: Because of rounding, sums of individual

items may not equal totals. For definitions of major

plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 4. Standard errors for defined benefit retirement plans: Open

and frozen plans, civilian workers,1 National Compensation Survey,

March 2009

Characteristics Open plans2 Frozen plans3

All workers ............................................................. 0.8 0.8

Worker characteristics

Management, professional, and related ................ 0.9 0.9

Management, business, and financial ............... 1.4 1.4

Professional and related .................................... 0.9 0.9

Teachers ........................................................ 0.9 0.9

Primary, secondary, and special education

school teachers ........................................ 0.8 0.8

Registered nurses ......................................... 2.0 2.0

Service ................................................................... 1.4 1.4

Protective service .............................................. 1.5 1.5

Sales and office ..................................................... 1.3 1.3

Sales and related ............................................... 2.9 2.9

Office and administrative support ...................... 1.4 1.4

Natural resources, construction, and maintenance 0.8 0.8

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.5 0.5

Installation, maintenance, and repair ................. 1.4 1.4

Production, transportation, and material moving ... 1.7 1.7

Production ......................................................... 2.5 2.5

Transportation and material moving .................. 1.7 1.7

Full time ................................................................. 0.7 0.7

Part time ................................................................ 1.9 1.9

Union ..................................................................... 1.0 1.0

Nonunion ............................................................... 0.8 0.8

Wage percentiles:4

Lowest 10 percent ............................................. 7.1 7.1

Lowest 25 percent ............................................. 3.9 3.9

Second 25 percent ............................................ 1.0 1.0

Third 25 percent ................................................ 0.8 0.8

Highest 25 percent ............................................ 0.9 0.9

Highest 10 percent ............................................ 1.2 1.2

Establishment characteristics

Goods-producing industries ................................... 1.7 1.7

Service-providing industries .................................. 0.8 0.8

Education and health services ........................... 1.3 1.3

Educational services ...................................... 0.8 0.8

Elementary and secondary schools ........... 0.9 0.9

Junior colleges, colleges, and universities 1.7 1.7

Health care and social assistance ................. 3.3 3.3

Hospitals .................................................... 1.9 1.9

Public administration ......................................... 1.5 1.5

See footnotes at end of table.
Table 4. Standard errors for defined benefit retirement plans: Open

and frozen plans, civilian workers,1 National Compensation Survey,

March 2009—Continued

Characteristics Open plans2 Frozen plans3

1 to 99 workers ...................................................... 1.3 1.3

1 to 49 workers .................................................. 1.6 1.6

50 to 99 workers ................................................ 2.3 2.3

100 workers or more .............................................. 0.9 0.9

100 to 499 workers ............................................ 1.8 1.8

500 workers or more .......................................... 0.8 0.8

Geographic areas

New England ......................................................... 2.3 2.3

Middle Atlantic ....................................................... 0.9 0.9

East North Central ................................................. 1.8 1.8

West North Central ................................................ 2.3 2.3

South Atlantic ........................................................ 1.1 1.1

West South Central ............................................... 1.8 1.8

Pacific .................................................................... 1.9 1.9

1 Includes workers in the private nonfarm

economy except those in private households, and

workers in the public sector, except the federal

government. See Technical Note for further

explanation. 2 Plans open to new participants. 3 Plans closed to new workers or plans that

cease accruals for some or all plan participants. 4 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and below

the threshold. The percentile values are based on

the estimates published in the "National

Compensation Survey: Occupational Earnings in

the United States, 2008." See Technical Note for

more details.

NOTE: Dash indicates no workers in this category

or data did not meet publication criteria. For

definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee

Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 5. Defined benefit frozen retirement plans:1 Benefits accrual,

civilian workers,2 National Compensation Survey, March 2009

(All workers participating in frozen defined benefit plans = 100 percent)

Characteristics

Retirement benefit accrual3

All existing

participants

continue to

accrue

benefits

Some

existing

participants

continue to

accrue

benefits

No existing

participants

continue to

accrue

benefits

All workers ............................................................. 81 5 14

Worker characteristics

Management, professional, and related ................ 81 7 12

Management, business, and financial ............... 75 7 18

Professional and related .................................... 83 8 9

Teachers ........................................................ 100 – –

Primary, secondary, and special education

school teachers ........................................ 100 – –

Registered nurses ......................................... 87 – 13

Service ................................................................... 87 – –

Protective service .............................................. 98 – –

Sales and office ..................................................... 85 4 11

Sales and related ............................................... 90 2 7

Office and administrative support ...................... 83 4 13

Natural resources, construction, and maintenance 88 3 10

Construction, extraction, farming, fishing, and

forestry ............................................................. 94 – –

Installation, maintenance, and repair ................. 86 3 11

Production, transportation, and material moving ... 72 – –

Production ......................................................... 69 – –

Transportation and material moving .................. 78 – –

Full time ................................................................. 81 5 14

Part time ................................................................ 89 – –

Union ..................................................................... 94 2 5

Nonunion ............................................................... 75 6 19

Wage percentiles:4

Lowest 10 percent ............................................. 79 – –

Lowest 25 percent ............................................. 84 – –

Second 25 percent ............................................ 78 3 19

Third 25 percent ................................................ 80 4 16

Highest 25 percent ............................................ 83 7 11

Highest 10 percent ............................................ 83 9 9

Establishment characteristics

Goods-producing industries ................................... 68 7 24

Service-providing industries .................................. 85 4 11

Education and health services ........................... 95 – 5

Educational services ...................................... 99 – –

Elementary and secondary schools ........... 100 – –

Junior colleges, colleges, and universities 97 – –

Health care and social assistance ................. 89 – –

Hospitals .................................................... 84 – –

Public administration ......................................... 100 – –

See footnotes at end of table.
Table 5. Defined benefit frozen retirement plans:1 Benefits accrual,

civilian workers,2 National Compensation Survey, March

2009—Continued

(All workers participating in frozen defined benefit plans = 100 percent)

Characteristics

Retirement benefit accrual3

All existing

participants

continue to

accrue

benefits

Some

existing

participants

continue to

accrue

benefits

No existing

participants

continue to

accrue

benefits

1 to 99 workers ...................................................... 76 3 21

1 to 49 workers .................................................. 80 3 18

50 to 99 workers ................................................ 73 – –

100 workers or more .............................................. 82 5 13

100 to 499 workers ............................................ 85 – –

500 workers or more .......................................... 80 6 13

Geographic areas

New England ......................................................... 85 – –

Middle Atlantic ....................................................... 84 – 16

East North Central ................................................. 75 – –

West North Central ................................................ 74 – –

South Atlantic ........................................................ 83 – –

East South Central ................................................ 72 – 28

West South Central ............................................... 87 3 10

Mountain ................................................................ 85 – –

Pacific .................................................................... 89 – –

1 Plans closed to new workers or plans that

cease accruals for some or all plan participants. 2 Includes workers in the private nonfarm

economy except those in private households, and

workers in the public sector, except the federal

government. See Technical Note for further

explanation. 3 Benefit accruals are for existing participants

since the plan was closed to new workers or

stopped accruing benefits. 4 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual

items may not equal totals. Dash indicates no

workers in this category or data did not meet

publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 5. Standard errors for defined benefit frozen retirement plans:1

Benefits accrual, civilian workers,2 National Compensation Survey,

March 2009

Characteristics

Retirement benefit accrual3

All existing

participants

continue to

accrue

benefits

Some

existing

participants

continue to

accrue

benefits

No existing

participants

continue to

accrue

benefits

All workers ............................................................. 1.5 1.1 1.4

Worker characteristics

Management, professional, and related ................ 2.5 2.3 1.5

Management, business, and financial ............... 3.2 1.9 2.8

Professional and related .................................... 2.8 2.6 1.3

Teachers ........................................................ 0.0 – –

Primary, secondary, and special education

school teachers ........................................ 0.0 – –

Registered nurses ......................................... 3.5 – 3.5

Service ................................................................... 5.4 – –

Protective service .............................................. 1.5 – –

Sales and office ..................................................... 2.0 0.8 1.8

Sales and related ............................................... 2.4 0.6 2.3

Office and administrative support ...................... 2.8 1.2 2.5

Natural resources, construction, and maintenance 2.5 1.0 2.6

Construction, extraction, farming, fishing, and

forestry ............................................................. 3.5 – –

Installation, maintenance, and repair ................. 3.3 1.4 3.2

Production, transportation, and material moving ... 3.9 – –

Production ......................................................... 5.1 – –

Transportation and material moving .................. 5.1 – –

Full time ................................................................. 1.6 1.2 1.4

Part time ................................................................ 3.5 – –

Union ..................................................................... 1.6 0.6 1.6

Nonunion ............................................................... 2.0 1.7 1.8

Wage percentiles:4

Lowest 10 percent ............................................. 13.8 – –

Lowest 25 percent ............................................. 5.3 – –

Second 25 percent ............................................ 3.0 1.0 3.1

Third 25 percent ................................................ 2.6 1.2 2.4

Highest 25 percent ............................................ 2.2 1.9 1.3

Highest 10 percent ............................................ 2.8 2.4 1.3

Establishment characteristics

Goods-producing industries ................................... 3.7 2.2 3.4

Service-providing industries .................................. 1.6 1.3 1.5

Education and health services ........................... 1.1 – 1.0

Educational services ...................................... 0.4 – –

Elementary and secondary schools ........... 0.0 – –

Junior colleges, colleges, and universities 2.0 – –

Health care and social assistance ................. 3.5 – –

Hospitals .................................................... 3.4 – –

Public administration ......................................... 0.0 – –

See footnotes at end of table.
Table 5. Standard errors for defined benefit frozen retirement plans:1

Benefits accrual, civilian workers,2 National Compensation Survey,

March 2009—Continued

Characteristics

Retirement benefit accrual3

All existing

participants

continue to

accrue

benefits

Some

existing

participants

continue to

accrue

benefits

No existing

participants

continue to

accrue

benefits

1 to 99 workers ...................................................... 4.2 1.0 4.3

1 to 49 workers .................................................. 4.1 0.9 4.0

50 to 99 workers ................................................ 7.3 – –

100 workers or more .............................................. 1.8 1.3 1.3

100 to 499 workers ............................................ 2.4 – –

500 workers or more .......................................... 2.3 1.8 1.5

Geographic areas

New England ......................................................... 6.0 – –

Middle Atlantic ....................................................... 2.6 – 2.6

East North Central ................................................. 4.5 – –

West North Central ................................................ 7.0 – –

South Atlantic ........................................................ 4.8 – –

East South Central ................................................ 8.1 – 8.1

West South Central ............................................... 2.9 1.2 2.9

Mountain ................................................................ 5.7 – –

Pacific .................................................................... 4.2 – –

1 Plans closed to new workers or plans that

cease accruals for some or all plan participants. 2 Includes workers in the private nonfarm

economy except those in private households, and

workers in the public sector, except the federal

government. See Technical Note for further

explanation. 3 Benefit accruals are for existing participants

since the plan was closed to new workers or

stopped accruing benefits. 4 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category

or data did not meet publication criteria. For

definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee

Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 6. Defined benefit frozen retirement plans:1 Selected attributes,

civilian workers,2 National Compensation Survey, March 2009

(All workers participating in frozen defined benefit plans = 100 percent)

Characteristics

Time since plan closed to new workers or

stopped accruing benefits

1 year 2 to 5 years Greater than

5 years

All workers ............................................................. 4 46 50

Worker characteristics

Management, professional, and related ................ 7 33 60

Management, business, and financial ............... 8 46 46

Professional and related .................................... 6 27 67

Teachers ........................................................ – 4 96

Primary, secondary, and special education

school teachers ........................................ – 3 97

Registered nurses ......................................... – 46 53

Protective service .............................................. – – 92

Office and administrative support ...................... 5 43 51

Installation, maintenance, and repair ................. 1 71 28

Full time ................................................................. 5 46 49

Part time ................................................................ – 45 55

Nonunion ............................................................... 7 54 39

Wage percentiles:3

Lowest 10 percent ............................................. – 53 –

Lowest 25 percent ............................................. 1 56 43

Second 25 percent ............................................ 4 52 44

Highest 25 percent ............................................ 6 41 53

Highest 10 percent ............................................ 8 30 62

Establishment characteristics

Service-providing industries .................................. 5 39 56

Education and health services ........................... 2 20 78

Elementary and secondary schools ........... – 2 98

Health care and social assistance ................. 3 38 60

Hospitals .................................................... – – 52

Public administration ......................................... – – 92

See footnotes at end of table.
Table 6. Defined benefit frozen retirement plans:1 Selected attributes,

civilian workers,2 National Compensation Survey, March

2009—Continued

(All workers participating in frozen defined benefit plans = 100 percent)

Characteristics

Time since plan closed to new workers or

stopped accruing benefits

1 year 2 to 5 years Greater than

5 years

1 to 99 workers ...................................................... 2 56 42

1 to 49 workers .................................................. – 53 –

50 to 99 workers ................................................ – 59 41

100 workers or more:

 100 to 499 workers ............................................ 6 49 45

Geographic areas

New England ......................................................... – – 65

South Atlantic ........................................................ – 63 –

East South Central ................................................ – 54 –

Mountain ................................................................ – – 73

Pacific .................................................................... – – 64

1 Plans closed to new workers or plans that

cease accruals for some or all plan participants. 2 Includes workers in the private nonfarm

economy except those in private households, and

workers in the public sector, except the federal

government. See Technical Note for further

explanation. 3 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual

items may not equal totals. Dash indicates no

workers in this category or data did not meet

publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 6. Standard errors for defined benefit frozen retirement plans:1

Selected attributes, civilian workers,2 National Compensation Survey,

March 2009

Characteristics

Time since plan closed to new workers or

stopped accruing benefits

1 year 2 to 5 years Greater than

5 years

All workers ............................................................. 0.8 2.2 2.3

Worker characteristics

Management, professional, and related ................ 1.4 2.5 2.5

Management, business, and financial ............... 2.0 3.7 3.2

Professional and related .................................... 1.3 2.6 2.8

Teachers ........................................................ – 1.3 1.3

Primary, secondary, and special education

school teachers ........................................ – 1.3 1.3

Registered nurses ......................................... – 7.4 7.5

Protective service .............................................. – – 3.8

Office and administrative support ...................... 1.7 5.1 5.6

Installation, maintenance, and repair ................. 0.3 4.1 4.1

Full time ................................................................. 0.9 2.2 2.2

Part time ................................................................ – 5.7 5.7

Nonunion ............................................................... 1.2 2.4 2.4

Wage percentiles:3

Lowest 10 percent ............................................. – 15.4 –

Lowest 25 percent ............................................. 0.5 11.4 11.6

Second 25 percent ............................................ 1.7 2.8 3.0

Highest 25 percent ............................................ 1.2 2.6 2.5

Highest 10 percent ............................................ 1.7 3.2 3.2

Establishment characteristics

Service-providing industries .................................. 0.9 2.4 2.5

Education and health services ........................... 0.4 4.0 4.0

Elementary and secondary schools ........... – 0.6 0.6

Health care and social assistance ................. 1.1 10.5 10.9

Hospitals .................................................... – – 6.8

Public administration ......................................... – – 4.3

See footnotes at end of table.
Table 6. Standard errors for defined benefit frozen retirement plans:1

Selected attributes, civilian workers,2 National Compensation Survey,

March 2009—Continued

Characteristics

Time since plan closed to new workers or

stopped accruing benefits

1 year 2 to 5 years Greater than

5 years

1 to 99 workers ...................................................... 0.8 4.6 4.7

1 to 49 workers .................................................. – 6.7 –

50 to 99 workers ................................................ – 6.7 6.7

100 workers or more:

 100 to 499 workers ............................................ 1.9 5.0 5.4

Geographic areas

New England ......................................................... – – 7.3

South Atlantic ........................................................ – 5.3 –

East South Central ................................................ – 8.4 –

Mountain ................................................................ – – 17.4

Pacific .................................................................... – – 7.7

1 Plans closed to new workers or plans that

cease accruals for some or all plan participants. 2 Includes workers in the private nonfarm

economy except those in private households, and

workers in the public sector, except the federal

government. See Technical Note for further

explanation. 3 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category

or data did not meet publication criteria. For

definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee

Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 7. Defined benefit frozen retirement plans:1 Plan alternatives, civilian workers,2 National

Compensation Survey, March 2009

(All workers participating in frozen defined benefit plans = 100 percent)

Characteristics

No

alternative to

frozen plans

Alternatives

to frozen

plans

available

Alternatives for employees in frozen plans3

New defined

benefit plan

Enhanced

existing

defined

contribution

plan

New defined

contribution

plan

Other

All workers ............................................................. 4 96 34 20 46 1

Worker characteristics

Management, professional, and related ................ 3 97 43 16 44 2

Management, business, and financial ............... 6 94 27 26 45 3

Professional and related .................................... 2 98 51 11 44 –

Teachers:

 Primary, secondary, and special education 

 school teachers .................................................. – 100 98 – 13 –

Protective service .............................................. – 100 86 – – –

Sales and office ..................................................... 6 94 17 30 50 –

Office and administrative support ...................... 7 93 24 22 52 –

Natural resources, construction, and maintenance 4 96 38 10 53 –

Construction, extraction, farming, fishing, and

forestry ............................................................. 7 93 64 – 32 –

Production, transportation, and material moving ... 7 93 26 22 48 –

Transportation and material moving .................. 4 96 27 23 50 –

Full time ................................................................. 5 95 35 20 45 1

Part time ................................................................ 2 98 26 – 56 –

Union ..................................................................... 1 99 70 3 36 –

Nonunion ............................................................... 6 94 16 29 51 1

Wage percentiles:4

Second 25 percent ............................................ 7 93 27 23 47 –

Third 25 percent ................................................ 7 93 36 19 46 –

Highest 25 percent ............................................ 3 97 44 16 43 2

Highest 10 percent ............................................ 3 97 45 17 40 –

Establishment characteristics

Goods-producing industries ................................... 7 93 21 24 51 –

Service-providing industries .................................. 4 96 38 19 44 –

Education and health services ........................... 2 98 63 3 41 –

 Educational services:

 Elementary and secondary schools ............. – 100 98 – 12 –

Public administration ......................................... – 100 93 – – –

See footnotes at end of table.
Table 7. Defined benefit frozen retirement plans:1 Plan alternatives, civilian workers,2 National

Compensation Survey, March 2009—Continued

(All workers participating in frozen defined benefit plans = 100 percent)

Characteristics

No

alternative to

frozen plans

Alternatives

to frozen

plans

available

Alternatives for employees in frozen plans3

New defined

benefit plan

Enhanced

existing

defined

contribution

plan

New defined

contribution

plan

Other

1 to 99 workers ...................................................... 2 98 17 33 51 2

1 to 49 workers .................................................. 4 96 – 32 54 4

50 to 99 workers ................................................ – 100 23 34 48 –

100 workers or more .............................................. 5 95 37 18 45 –

100 to 499 workers ............................................ 6 94 25 21 49 –

500 workers or more .......................................... 4 96 45 16 42 –

Geographic areas

Middle Atlantic ....................................................... 6 94 53 19 21 –

East North Central ................................................. 3 97 28 21 51 –

South Atlantic ........................................................ 10 90 16 20 57 –

Mountain ................................................................ – 100 – – 72 –

1 Plans closed to new workers or plans that cease accruals for some

or all plan participants. 2 Includes workers in the private nonfarm economy except those in

private households, and workers in the public sector, except the federal

government. See Technical Note for further explanation. 3 The sum of the individual components may be greater than the total

because some employers offer more than one alternative. 4 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below

the threshold. The percentile values are based on the estimates published

in the "National Compensation Survey: Occupational Earnings in the

United States, 2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals.

Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms,

see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 7. Standard errors for frozen defined benefit retirement plans:1 Plan alternatives, civilian

workers,2 National Compensation Survey, March 2009

Characteristics

No

alternative to

frozen plans

Alternatives

to frozen

plans

available

Alternatives for employees in frozen plans3

New defined

benefit plan

Enhanced

existing

defined

contribution

plan

New defined

contribution

plan

Other

All workers ............................................................. 0.7 0.7 2.2 1.8 2.8 0.4

Worker characteristics

Management, professional, and related ................ 0.7 0.7 2.8 1.7 3.0 0.8

Management, business, and financial ............... 1.6 1.6 3.2 3.3 3.5 1.5

Professional and related .................................... 0.5 0.5 3.0 1.7 3.5 –

Teachers:

 Primary, secondary, and special education 

 school teachers .................................................. – 0.0 1.3 – 3.4 –

Protective service .............................................. – 0.0 5.2 – – –

Sales and office ..................................................... 1.4 1.4 2.4 3.7 4.5 –

Office and administrative support ...................... 1.8 1.8 3.6 3.9 5.8 –

Natural resources, construction, and maintenance 1.2 1.2 4.6 2.8 4.7 –

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.1 2.1 6.9 – 6.5 –

Production, transportation, and material moving ... 2.3 2.3 3.3 3.3 4.5 –

Transportation and material moving .................. 1.6 1.6 6.0 6.3 6.9 –

Full time ................................................................. 0.7 0.7 2.2 1.6 2.7 0.4

Part time ................................................................ 0.8 0.8 3.9 – 7.0 –

Union ..................................................................... 0.3 0.3 4.1 0.9 4.7 –

Nonunion ............................................................... 1.0 1.0 1.5 2.6 3.2 0.6

Wage percentiles:4

Second 25 percent ............................................ 1.9 1.9 3.0 2.9 3.5 –

Third 25 percent ................................................ 1.3 1.3 3.3 2.5 3.3 –

Highest 25 percent ............................................ 0.6 0.6 2.7 1.6 2.7 0.7

Highest 10 percent ............................................ 0.7 0.7 3.3 2.4 3.5 –

Establishment characteristics

Goods-producing industries ................................... 2.1 2.1 3.5 3.5 5.5 –

Service-providing industries .................................. 0.7 0.7 2.6 2.2 3.2 –

Education and health services ........................... 0.6 0.6 6.9 0.7 6.7 –

 Educational services:

 Elementary and secondary schools ............. – 0.0 1.3 – 3.0 –

Public administration ......................................... – 0.0 2.3 – – –

See footnotes at end of table.
Table 7. Standard errors for frozen defined benefit retirement plans:1 Plan alternatives, civilian

workers,2 National Compensation Survey, March 2009—Continued

Characteristics

No

alternative to

frozen plans

Alternatives

to frozen

plans

available

Alternatives for employees in frozen plans3

New defined

benefit plan

Enhanced

existing

defined

contribution

plan

New defined

contribution

plan

Other

1 to 99 workers ...................................................... 0.7 0.7 3.2 5.9 5.3 1.0

1 to 49 workers .................................................. 1.4 1.4 – 9.0 8.2 2.2

50 to 99 workers ................................................ – 0.0 5.4 7.7 7.5 –

100 workers or more .............................................. 0.8 0.8 2.4 1.7 3.0 –

100 to 499 workers ............................................ 1.7 1.7 3.6 3.5 5.6 –

500 workers or more .......................................... 0.9 0.9 2.8 1.6 3.0 –

Geographic areas

Middle Atlantic ....................................................... 1.9 1.9 2.4 2.9 3.7 –

East North Central ................................................. 0.9 0.9 4.4 3.6 4.6 –

South Atlantic ........................................................ 2.5 2.5 3.8 3.7 3.6 –

Mountain ................................................................ – 0.0 – – 21.5 –

1 Plans closed to new workers or plans that cease accruals for some

or all plan participants. 2 Includes workers in the private nonfarm economy except those in

private households, and workers in the public sector, except the federal

government. See Technical Note for further explanation. 3 The sum of the individual components may be greater than the total

because some employers offer more than one alternative. 4 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below

the threshold. The percentile values are based on the estimates published

in the "National Compensation Survey: Occupational Earnings in the

United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet

publication criteria. For definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 8. Defined contribution retirement plans: Selected attributes, civilian

workers,1 National Compensation Survey, March 2009

(All workers participating in defined contribution plans = 100 percent)

Characteristics

Employee contribution Employee contribution

option

Required Not required Pretax Not pretax

All workers ............................................................. 65 35 80 20

Worker characteristics

Management, professional, and related ................ 67 33 82 18

Management, business, and financial ............... 71 29 86 14

Professional and related .................................... 65 35 81 19

Teachers ........................................................ 54 46 74 26

Primary, secondary, and special education

school teachers ........................................ 44 56 67 33

Registered nurses ......................................... 65 35 83 17

Service ................................................................... 67 33 85 15

Protective service .............................................. 65 35 76 24

Sales and office ..................................................... 62 38 74 26

Sales and related ............................................... 56 44 62 38

Office and administrative support ...................... 65 35 81 19

Natural resources, construction, and maintenance 69 31 82 18

Construction, extraction, farming, fishing, and

forestry ............................................................. 58 42 74 26

Installation, maintenance, and repair ................. 77 23 88 12

Production, transportation, and material moving ... 66 34 80 20

Production ......................................................... 68 32 82 18

Transportation and material moving .................. 63 37 76 24

Full time ................................................................. 66 34 80 20

Part time ................................................................ 61 39 78 22

Union ..................................................................... 57 43 77 23

Nonunion ............................................................... 66 34 80 20

Wage percentiles:2

Lowest 10 percent ............................................. 72 28 87 13

Lowest 25 percent ............................................. 60 40 73 27

Second 25 percent ............................................ 63 37 78 22

Third 25 percent ................................................ 68 32 82 18

Highest 25 percent ............................................ 67 33 82 18

Highest 10 percent ............................................ 66 34 81 19

Establishment characteristics

Goods-producing industries ................................... 68 32 81 19

Service-providing industries .................................. 65 35 79 21

Education and health services ........................... 60 40 80 20

Educational services ...................................... 55 45 75 25

Elementary and secondary schools ........... 43 57 64 36

Junior colleges, colleges, and universities 61 39 80 20

Health care and social assistance ................. 61 39 82 18

Hospitals .................................................... 71 29 84 16

Public administration ......................................... 58 42 80 20

See footnotes at end of table.
Table 8. Defined contribution retirement plans: Selected attributes, civilian

workers,1 National Compensation Survey, March 2009—Continued

(All workers participating in defined contribution plans = 100 percent)

Characteristics

Employee contribution Employee contribution

option

Required Not required Pretax Not pretax

1 to 99 workers ...................................................... 65 35 82 18

1 to 49 workers .................................................. 65 35 82 18

50 to 99 workers ................................................ 65 35 82 18

100 workers or more .............................................. 65 35 79 21

100 to 499 workers ............................................ 62 38 76 24

500 workers or more .......................................... 69 31 81 19

Geographic areas

New England ......................................................... 70 30 81 19

Middle Atlantic ....................................................... 62 38 82 18

East North Central ................................................. 59 41 76 24

West North Central ................................................ 65 35 82 18

South Atlantic ........................................................ 63 37 77 23

East South Central ................................................ 75 25 84 16

West South Central ............................................... 68 32 78 22

Mountain ................................................................ 66 34 79 21

Pacific .................................................................... 72 28 83 17

1 Includes workers in the private nonfarm economy

except those in private households, and workers in the

public sector, except the federal government. See

Technical Note for further explanation. 2 The percentile groupings are based on the average

wage for each occupation surveyed, which may include

workers both above and below the threshold. The

percentile values are based on the estimates published in

the "National Compensation Survey: Occupational

Earnings in the United States, 2008." See Technical Note

for more details.

NOTE: Because of rounding, sums of individual items may

not equal totals. For definitions of major plans, key

provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 8. Standard errors for defined contribution retirement plans: Selected

attributes, civilian workers,1 National Compensation Survey, March 2009

Characteristics

Employee contribution Employee contribution

option

Required Not required Pretax Not pretax

All workers ............................................................. 0.9 0.9 0.6 0.6

Worker characteristics

Management, professional, and related ................ 1.3 1.3 1.0 1.0

Management, business, and financial ............... 1.1 1.1 0.8 0.8

Professional and related .................................... 1.8 1.8 1.3 1.3

Teachers ........................................................ 3.1 3.1 2.2 2.2

Primary, secondary, and special education

school teachers ........................................ 4.8 4.8 4.7 4.7

Registered nurses ......................................... 3.4 3.4 3.4 3.4

Service ................................................................... 3.4 3.4 1.5 1.5

Protective service .............................................. 4.1 4.1 3.9 3.9

Sales and office ..................................................... 0.9 0.9 1.0 1.0

Sales and related ............................................... 1.5 1.5 1.7 1.7

Office and administrative support ...................... 1.1 1.1 0.8 0.8

Natural resources, construction, and maintenance 1.9 1.9 1.5 1.5

Construction, extraction, farming, fishing, and

forestry ............................................................. 3.0 3.0 2.9 2.9

Installation, maintenance, and repair ................. 1.8 1.8 1.2 1.2

Production, transportation, and material moving ... 1.2 1.2 1.2 1.2

Production ......................................................... 1.5 1.5 1.5 1.5

Transportation and material moving .................. 2.0 2.0 1.8 1.8

Full time ................................................................. 0.9 0.9 0.6 0.6

Part time ................................................................ 2.2 2.2 1.7 1.7

Union ..................................................................... 2.4 2.4 2.0 2.0

Nonunion ............................................................... 0.9 0.9 0.6 0.6

Wage percentiles:2

Lowest 10 percent ............................................. 5.7 5.7 2.4 2.4

Lowest 25 percent ............................................. 2.6 2.6 1.7 1.7

Second 25 percent ............................................ 1.3 1.3 0.9 0.9

Third 25 percent ................................................ 1.0 1.0 0.9 0.9

Highest 25 percent ............................................ 1.2 1.2 0.9 0.9

Highest 10 percent ............................................ 1.7 1.7 1.3 1.3

Establishment characteristics

Goods-producing industries ................................... 1.2 1.2 1.0 1.0

Service-providing industries .................................. 1.1 1.1 0.7 0.7

Education and health services ........................... 2.1 2.1 1.5 1.5

Educational services ...................................... 2.8 2.8 2.1 2.1

Elementary and secondary schools ........... 4.4 4.4 4.4 4.4

Junior colleges, colleges, and universities 3.1 3.1 2.0 2.0

Health care and social assistance ................. 2.6 2.6 1.9 1.9

Hospitals .................................................... 2.0 2.0 1.5 1.5

Public administration ......................................... 4.8 4.8 3.6 3.6

See footnotes at end of table.
Table 8. Standard errors for defined contribution retirement plans: Selected

attributes, civilian workers,1 National Compensation Survey, March

2009—Continued

Characteristics

Employee contribution Employee contribution

option

Required Not required Pretax Not pretax

1 to 99 workers ...................................................... 1.3 1.3 1.2 1.2

1 to 49 workers .................................................. 1.7 1.7 1.6 1.6

50 to 99 workers ................................................ 2.3 2.3 1.8 1.8

100 workers or more .............................................. 1.2 1.2 0.7 0.7

100 to 499 workers ............................................ 1.5 1.5 1.0 1.0

500 workers or more .......................................... 1.7 1.7 1.0 1.0

Geographic areas

New England ......................................................... 5.2 5.2 4.0 4.0

Middle Atlantic ....................................................... 2.3 2.3 1.0 1.0

East North Central ................................................. 1.8 1.8 1.6 1.6

West North Central ................................................ 1.9 1.9 1.8 1.8

South Atlantic ........................................................ 2.4 2.4 1.5 1.5

East South Central ................................................ 4.7 4.7 1.6 1.6

West South Central ............................................... 1.8 1.8 1.7 1.7

Mountain ................................................................ 4.4 4.4 2.2 2.2

Pacific .................................................................... 1.9 1.9 1.4 1.4

1 Includes workers in the private nonfarm economy

except those in private households, and workers in the

public sector, except the federal government. See

Technical Note for further explanation. 2 The percentile groupings are based on the average

wage for each occupation surveyed, which may include

workers both above and below the threshold. The

percentile values are based on the estimates published in

the "National Compensation Survey: Occupational

Earnings in the United States, 2008." See Technical Note

for more details.
Table 9. Health care benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation

Survey, March 2009

(All workers = 100 percent)

Characteristics

Medical care Dental care Vision care

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

All workers ............................................................. 74 56 76 48 38 79 29 22 77

Worker characteristics

Management, professional, and related ................ 87 69 80 59 49 83 36 29 79

Management, business, and financial ............... 94 76 81 66 56 85 38 31 81

Professional and related .................................... 84 67 79 56 46 83 36 28 78

Teachers ........................................................ 84 67 80 50 43 85 32 26 81

Primary, secondary, and special education

school teachers ........................................ 92 73 80 55 47 85 34 27 80

Registered nurses ......................................... 78 60 77 57 45 78 30 23 75

Service ................................................................... 51 35 69 32 24 75 20 14 71

Protective service .............................................. 75 60 80 44 37 84 31 24 76

Sales and office ..................................................... 73 53 72 48 36 75 25 19 75

Sales and related ............................................... 63 41 65 41 28 67 21 15 71

Office and administrative support ...................... 79 59 75 52 41 79 28 22 77

Natural resources, construction, and maintenance 78 63 81 46 39 86 32 26 82

Construction, extraction, farming, fishing, and

forestry ............................................................. 73 59 82 40 35 87 27 23 84

Installation, maintenance, and repair ................. 85 68 80 52 44 85 37 30 81

Production, transportation, and material moving ... 77 59 76 50 39 79 30 24 78

Production ......................................................... 82 66 81 53 44 83 31 25 81

Transportation and material moving .................. 72 52 71 46 34 74 30 22 76

Full time ................................................................. 88 68 77 57 46 81 34 27 78

Part time ................................................................ 24 14 58 16 10 65 10 7 67

Union ..................................................................... 92 78 84 70 61 87 53 45 85

Nonunion ............................................................... 70 51 73 44 34 77 24 18 74

Wage percentiles:3

Lowest 10 percent ............................................. 26 13 51 14 9 63 10 6 60

Lowest 25 percent ............................................. 42 25 59 23 15 65 13 8 64

Second 25 percent ............................................ 79 58 74 49 37 76 27 20 75

Third 25 percent ................................................ 87 69 80 56 46 83 34 28 80

Highest 25 percent ............................................ 92 74 81 66 56 85 42 34 81

Highest 10 percent ............................................ 92 75 81 70 59 85 44 36 81

Establishment characteristics

Goods-producing industries ................................... 85 70 82 56 47 85 33 27 84

Service-providing industries .................................. 71 53 74 46 36 78 28 21 76

Education and health services ........................... 80 61 76 49 39 80 29 22 76

Educational services ...................................... 86 70 81 50 42 84 32 26 80

Elementary and secondary schools ........... 88 70 80 50 42 84 33 26 80

Junior colleges, colleges, and universities 87 73 83 55 46 84 34 27 80

Health care and social assistance ................. 76 55 72 49 37 77 27 20 73

Hospitals .................................................... 88 69 79 69 55 79 40 31 76

Public administration ......................................... 88 76 86 59 51 86 43 35 80

See footnotes at end of table.
Table 9. Health care benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation

Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics

Medical care Dental care Vision care

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

1 to 99 workers ...................................................... 60 43 72 31 24 78 18 14 74

1 to 49 workers .................................................. 56 40 72 27 21 77 15 11 74

50 to 99 workers ................................................ 72 53 73 41 32 79 27 20 73

100 workers or more .............................................. 86 66 77 62 50 80 38 30 78

100 to 499 workers ............................................ 81 61 75 57 44 77 31 25 79

500 workers or more .......................................... 89 71 80 67 55 83 43 34 78

Geographic areas

New England ......................................................... 72 53 73 51 41 80 22 17 76

Middle Atlantic ....................................................... 75 59 79 50 40 81 34 28 81

East North Central ................................................. 73 54 74 48 37 79 26 20 75

West North Central ................................................ 71 54 77 46 37 81 19 15 81

South Atlantic ........................................................ 75 55 74 44 34 76 28 19 68

East South Central ................................................ 78 60 78 45 35 77 – – –

West South Central ............................................... 70 52 74 36 27 75 18 14 75

Mountain ................................................................ 72 51 71 47 38 80 27 21 79

Pacific .................................................................... 75 59 79 59 49 83 43 35 81

See footnotes at end of table.
Table 9. Health care benefits: Access, participation, and take-up

rates,1 civilian workers,2 National Compensation Survey, March

2009—Continued

(All workers = 100 percent)

Characteristics

Outpatient prescription drug

coverage

Access Participation Take-up

rate

All workers ............................................................. 72 54 75

Worker characteristics

Management, professional, and related ................ 85 68 79

Management, business, and financial ............... 92 75 81

Professional and related .................................... 83 65 79

Teachers ........................................................ 83 66 80

Primary, secondary, and special education

school teachers ........................................ 89 71 80

Registered nurses ......................................... 76 59 77

Service ................................................................... 50 34 69

Protective service .............................................. 73 58 80

Sales and office ..................................................... 71 51 72

Sales and related ............................................... 61 40 65

Office and administrative support ...................... 77 58 75

Natural resources, construction, and maintenance 75 61 80

Construction, extraction, farming, fishing, and

forestry ............................................................. 69 56 81

Installation, maintenance, and repair ................. 82 65 79

Production, transportation, and material moving ... 75 57 76

Production ......................................................... 79 63 80

Transportation and material moving .................. 71 50 71

Full time ................................................................. 86 66 77

Part time ................................................................ 23 14 58

Union ..................................................................... 90 76 84

Nonunion ............................................................... 68 50 73

Wage percentiles:3

Lowest 10 percent ............................................. 24 13 51

Lowest 25 percent ............................................. 40 24 59

Second 25 percent ............................................ 76 56 74

Third 25 percent ................................................ 84 67 79

Highest 25 percent ............................................ 90 73 81

Highest 10 percent ............................................ 91 73 81

Establishment characteristics

Goods-producing industries ................................... 82 67 82

Service-providing industries .................................. 70 52 74

Education and health services ........................... 79 60 76

Educational services ...................................... 85 68 80

Elementary and secondary schools ........... 87 69 80

Junior colleges, colleges, and universities 87 72 83

Health care and social assistance ................. 74 53 72

Hospitals .................................................... 86 67 78

Public administration ......................................... 87 75 86

See footnotes at end of table.
Table 9. Health care benefits: Access, participation, and take-up

rates,1 civilian workers,2 National Compensation Survey, March

2009—Continued

(All workers = 100 percent)

Characteristics

Outpatient prescription drug

coverage

Access Participation Take-up

rate

1 to 99 workers ...................................................... 58 42 72

1 to 49 workers .................................................. 54 39 72

50 to 99 workers ................................................ 69 51 73

100 workers or more .............................................. 84 65 77

100 to 499 workers ............................................ 79 59 74

500 workers or more .......................................... 88 70 80

Geographic areas

New England ......................................................... 70 51 73

Middle Atlantic ....................................................... 72 56 79

East North Central ................................................. 72 53 74

West North Central ................................................ 69 53 76

South Atlantic ........................................................ 73 54 73

East South Central ................................................ 76 58 77

West South Central ............................................... 68 50 74

Mountain ................................................................ 70 50 71

Pacific .................................................................... 72 57 79

1 The take-up rate is an estimate of the

percentage of workers with access to a plan

who participate in the plan, rounded for

presentation. See Technical Note for more

details. 2 Includes workers in the private nonfarm

economy except those in private households,

and workers in the public sector, except the

federal government. See Technical Note for

further explanation.

NOTE: Dash indicates no workers in this

category or data did not meet publication

criteria. For definitions of major plans, key

provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 9. Standard errors for health care benefits: Access, participation, and take-up rates,1 civilian workers,2 National

Compensation Survey, March 2009

Characteristics

Medical care Dental care Vision care

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

All workers ............................................................. 0.6 0.5 0.4 0.7 0.6 0.4 0.8 0.7 0.6

Worker characteristics

Management, professional, and related ................ 0.7 0.6 0.5 0.9 0.8 0.5 0.9 0.8 0.9

Management, business, and financial ............... 0.7 0.8 0.6 1.4 1.4 0.8 1.3 1.2 1.2

Professional and related .................................... 0.8 0.7 0.6 1.0 0.9 0.6 1.1 0.8 1.0

Teachers ........................................................ 1.1 1.2 0.9 1.5 1.4 0.8 1.4 1.3 1.7

Primary, secondary, and special education

school teachers ........................................ 1.6 1.4 1.1 2.0 1.7 0.9 1.7 1.6 1.9

Registered nurses ......................................... 2.4 2.4 1.4 2.5 2.4 1.7 2.0 1.6 1.6

Service ................................................................... 1.6 1.4 1.3 2.1 2.0 1.7 2.3 2.0 2.3

Protective service .............................................. 2.3 2.3 1.9 2.7 2.3 1.4 2.4 2.0 3.3

Sales and office ..................................................... 0.7 0.7 0.7 0.9 0.7 0.6 0.8 0.6 0.9

Sales and related ............................................... 1.1 0.9 1.2 1.2 0.9 1.2 1.1 0.9 1.6

Office and administrative support ...................... 1.0 0.9 0.7 1.1 0.9 0.6 0.8 0.7 1.0

Natural resources, construction, and maintenance 1.3 1.3 0.8 1.3 1.2 0.9 1.3 1.2 1.2

Construction, extraction, farming, fishing, and

forestry ............................................................. 1.9 1.9 1.2 1.7 1.6 1.3 1.7 1.6 1.8

Installation, maintenance, and repair ................. 1.5 1.4 1.0 1.9 1.6 1.0 1.9 1.6 1.4

Production, transportation, and material moving ... 1.2 1.0 0.7 1.3 1.1 1.0 0.9 0.8 1.1

Production ......................................................... 1.5 1.3 0.7 1.7 1.5 1.0 1.2 1.1 1.5

Transportation and material moving .................. 1.7 1.3 1.0 1.6 1.1 1.4 1.3 1.0 1.4

Full time ................................................................. 0.4 0.5 0.4 0.7 0.6 0.4 0.9 0.8 0.6

Part time ................................................................ 0.8 0.6 1.4 0.7 0.5 1.3 0.4 0.4 1.6

Union ..................................................................... 0.8 1.0 0.7 1.4 1.3 0.5 1.3 1.2 0.8

Nonunion ............................................................... 0.7 0.6 0.4 0.8 0.6 0.5 0.9 0.7 0.8

Wage percentiles:3

Lowest 10 percent ............................................. 2.5 1.9 3.3 2.6 2.4 7.0 2.6 2.3 8.1

Lowest 25 percent ............................................. 1.3 1.1 1.3 1.5 1.3 2.1 1.6 1.3 3.1

Second 25 percent ............................................ 0.9 0.7 0.5 1.0 0.8 0.6 1.0 0.8 0.9

Third 25 percent ................................................ 0.6 0.7 0.5 0.9 0.8 0.5 0.9 0.8 0.8

Highest 25 percent ............................................ 0.6 0.6 0.5 0.8 0.8 0.5 0.9 0.8 0.9

Highest 10 percent ............................................ 0.9 1.0 0.7 1.3 1.3 0.7 1.1 1.0 1.2

Establishment characteristics

Goods-producing industries ................................... 0.8 0.8 0.5 1.3 1.1 0.6 1.0 0.9 0.9

Service-providing industries .................................. 0.7 0.6 0.5 0.8 0.7 0.4 0.9 0.7 0.7

Education and health services ........................... 1.0 1.0 0.8 1.3 1.0 0.7 1.1 1.0 1.2

Educational services ...................................... 0.7 1.0 0.8 1.4 1.3 0.7 1.3 1.2 1.6

Elementary and secondary schools ........... 0.6 1.0 1.0 1.6 1.4 0.9 1.5 1.3 2.0

Junior colleges, colleges, and universities 1.0 1.8 1.5 2.9 2.6 1.1 2.9 2.7 2.3

Health care and social assistance ................. 1.6 1.4 1.3 2.0 1.5 1.1 1.7 1.4 1.8

Hospitals .................................................... 1.0 1.3 1.0 1.8 1.5 1.0 2.1 1.6 1.4

Public administration ......................................... 1.1 1.3 0.8 2.3 2.1 0.9 1.9 1.6 1.9

See footnotes at end of table.
Table 9. Standard errors for health care benefits: Access, participation, and take-up rates,1 civilian workers,2 National

Compensation Survey, March 2009—Continued

Characteristics

Medical care Dental care Vision care

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

1 to 99 workers ...................................................... 0.9 0.8 0.7 0.8 0.7 0.8 0.6 0.5 1.1

1 to 49 workers .................................................. 1.1 0.8 0.9 0.9 0.7 1.0 0.8 0.6 1.5

50 to 99 workers ................................................ 1.3 1.2 1.0 1.4 1.2 1.1 1.4 1.2 1.6

100 workers or more .............................................. 0.5 0.6 0.4 0.9 0.8 0.4 1.2 1.1 0.7

100 to 499 workers ............................................ 0.9 0.9 0.6 1.1 1.0 0.6 1.1 0.9 0.9

500 workers or more .......................................... 0.5 0.6 0.5 1.3 1.1 0.5 1.9 1.6 0.9

Geographic areas

New England ......................................................... 1.1 1.4 2.2 2.1 2.0 2.2 1.3 0.9 3.8

Middle Atlantic ....................................................... 1.7 1.2 1.5 1.2 0.9 0.8 1.6 1.7 1.6

East North Central ................................................. 1.1 0.8 0.5 1.4 1.0 0.8 1.0 0.8 1.2

West North Central ................................................ 1.2 1.5 1.1 2.0 1.8 1.0 1.7 1.4 2.0

South Atlantic ........................................................ 1.3 1.2 0.8 1.5 1.1 1.1 1.4 1.0 1.6

East South Central ................................................ 4.2 2.9 1.5 6.5 5.6 2.6 – – –

West South Central ............................................... 1.7 1.7 1.3 2.0 1.6 1.3 1.6 1.4 2.3

Mountain ................................................................ 2.8 3.0 1.5 4.5 3.8 1.6 3.0 2.6 1.7

Pacific .................................................................... 1.3 1.3 0.9 1.2 1.0 0.8 1.1 0.9 1.2

See footnotes at end of table.
Table 9. Standard errors for health care benefits: Access,

participation, and take-up rates,1 civilian workers,2 National

Compensation Survey, March 2009—Continued

Characteristics

Outpatient prescription drug

coverage

Access Participation Take-up

rate

All workers ............................................................. 0.6 0.5 0.4

Worker characteristics

Management, professional, and related ................ 0.7 0.6 0.5

Management, business, and financial ............... 0.8 0.9 0.6

Professional and related .................................... 0.8 0.7 0.6

Teachers ........................................................ 1.2 1.2 0.9

Primary, secondary, and special education

school teachers ........................................ 1.8 1.5 1.1

Registered nurses ......................................... 2.4 2.5 1.4

Service ................................................................... 1.7 1.4 1.3

Protective service .............................................. 2.4 2.4 1.9

Sales and office ..................................................... 0.7 0.7 0.7

Sales and related ............................................... 1.1 1.0 1.2

Office and administrative support ...................... 0.9 0.9 0.7

Natural resources, construction, and maintenance 1.2 1.2 0.8

Construction, extraction, farming, fishing, and

forestry ............................................................. 1.7 1.7 1.2

Installation, maintenance, and repair ................. 1.6 1.5 1.0

Production, transportation, and material moving ... 1.2 1.0 0.7

Production ......................................................... 1.6 1.5 0.9

Transportation and material moving .................. 1.8 1.4 1.0

Full time ................................................................. 0.4 0.5 0.4

Part time ................................................................ 0.8 0.6 1.5

Union ..................................................................... 0.9 1.1 0.7

Nonunion ............................................................... 0.7 0.6 0.4

Wage percentiles:3

Lowest 10 percent ............................................. 2.5 1.8 3.0

Lowest 25 percent ............................................. 1.3 1.1 1.2

Second 25 percent ............................................ 0.9 0.7 0.6

Third 25 percent ................................................ 0.7 0.7 0.5

Highest 25 percent ............................................ 0.6 0.6 0.5

Highest 10 percent ............................................ 0.9 0.9 0.7

Establishment characteristics

Goods-producing industries ................................... 0.9 0.9 0.5

Service-providing industries .................................. 0.7 0.6 0.5

Education and health services ........................... 1.0 1.0 0.8

Educational services ...................................... 0.8 1.0 0.8

Elementary and secondary schools ........... 0.7 1.0 1.0

Junior colleges, colleges, and universities 1.1 1.7 1.5

Health care and social assistance ................. 1.6 1.5 1.3

Hospitals .................................................... 1.3 1.5 1.0

Public administration ......................................... 1.2 1.3 0.8

See footnotes at end of table.
Table 9. Standard errors for health care benefits: Access,

participation, and take-up rates,1 civilian workers,2 National

Compensation Survey, March 2009—Continued

Characteristics

Outpatient prescription drug

coverage

Access Participation Take-up

rate

1 to 99 workers ...................................................... 0.9 0.7 0.7

1 to 49 workers .................................................. 1.1 0.8 0.9

50 to 99 workers ................................................ 1.4 1.2 0.9

100 workers or more .............................................. 0.5 0.6 0.4

100 to 499 workers ............................................ 0.9 0.9 0.6

500 workers or more .......................................... 0.6 0.7 0.5

Geographic areas

New England ......................................................... 1.2 1.5 2.3

Middle Atlantic ....................................................... 1.6 1.1 1.4

East North Central ................................................. 1.0 0.7 0.5

West North Central ................................................ 1.0 1.5 1.3

South Atlantic ........................................................ 1.3 1.1 0.7

East South Central ................................................ 4.5 3.0 1.7

West South Central ............................................... 2.0 1.8 1.2

Mountain ................................................................ 2.8 2.9 1.4

Pacific .................................................................... 1.2 1.1 0.8

1 The take-up rate is an estimate of the

percentage of workers with access to a plan

who participate in the plan, rounded for

presentation. See Technical Note for more

details.

2 Includes workers in the private nonfarm

economy except those in private households,

and workers in the public sector, except the

federal government. See Technical Note for

further explanation.
Table 10. Medical care benefits: Share of premiums paid by employer and

employee, civilian workers,1 National Compensation Survey, March 2009

(In percent)

Characteristics

Single coverage Family coverage

Employer

share

Employee

share

Employer

share

Employee

share

All workers ............................................................. 82 18 71 29

Worker characteristics

Management, professional, and related ................ 84 16 71 29

Management, business, and financial ............... 83 17 72 28

Professional and related .................................... 84 16 71 29

Teachers ........................................................ 89 11 69 31

Primary, secondary, and special education

school teachers ........................................ 89 11 67 33

Registered nurses ......................................... 82 18 71 29

Service ................................................................... 82 18 69 31

Protective service .............................................. 85 15 76 24

Sales and office ..................................................... 80 20 68 32

Sales and related ............................................... 76 24 65 35

Office and administrative support ...................... 82 18 70 30

Natural resources, construction, and maintenance 83 17 72 28

Construction, extraction, farming, fishing, and

forestry ............................................................. 85 15 73 27

Installation, maintenance, and repair ................. 81 19 71 29

Production, transportation, and material moving ... 82 18 74 26

Production ......................................................... 82 18 75 25

Transportation and material moving .................. 83 17 73 27

Full time ................................................................. 83 17 71 29

Part time ................................................................ 79 21 68 32

Union ..................................................................... 91 9 84 16

Nonunion ............................................................... 80 20 67 33

Wage percentiles:2

Lowest 10 percent ............................................. 75 25 61 39

Lowest 25 percent ............................................. 77 23 63 37

Second 25 percent ............................................ 81 19 68 32

Third 25 percent ................................................ 83 17 72 28

Highest 25 percent ............................................ 85 15 74 26

Highest 10 percent ............................................ 85 15 76 24

Establishment characteristics

Goods-producing industries ................................... 82 18 75 25

Service-providing industries .................................. 82 18 70 30

Education and health services ........................... 85 15 69 31

Educational services ...................................... 88 12 69 31

Elementary and secondary schools ........... 89 11 68 32

Junior colleges, colleges, and universities 87 13 71 29

Health care and social assistance ................. 83 17 69 31

Hospitals .................................................... 82 18 74 26

Public administration ......................................... 90 10 79 21

See footnotes at end of table.
Table 10. Medical care benefits: Share of premiums paid by employer and

employee, civilian workers,1 National Compensation Survey, March

2009—Continued

(In percent)

Characteristics

Single coverage Family coverage

Employer

share

Employee

share

Employer

share

Employee

share

1 to 99 workers ...................................................... 81 19 66 34

1 to 49 workers .................................................. 81 19 66 34

50 to 99 workers ................................................ 81 19 67 33

100 workers or more .............................................. 83 17 73 27

100 to 499 workers ............................................ 82 18 71 29

500 workers or more .......................................... 85 15 75 25

Geographic areas

New England ......................................................... 79 21 73 27

Middle Atlantic ....................................................... 84 16 77 23

East North Central ................................................. 81 19 75 25

West North Central ................................................ 82 18 71 29

South Atlantic ........................................................ 81 19 66 34

East South Central ................................................ 81 19 64 36

West South Central ............................................... 83 17 63 37

Mountain ................................................................ 82 18 67 33

Pacific .................................................................... 85 15 73 27

1 Includes workers in the private nonfarm economy

except those in private households, and workers in the

public sector, except the federal government. See

Technical Note for further explanation. 2 The percentile groupings are based on the

average wage for each occupation surveyed, which may

include workers both above and below the threshold.

The percentile values are based on the estimates

published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: Because of rounding, sums of individual items

may not equal totals. For definitions of major plans, key

provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 10. Standard errors for medical care benefits: Share of premiums paid

by employer and employee, civilian workers,1 National Compensation

Survey, March 2009

Characteristics

Single coverage Family coverage

Employer

share

Employee

share

Employer

share

Employee

share

All workers ............................................................. 0.2 0.2 0.3 0.3

Worker characteristics

Management, professional, and related ................ 0.3 0.3 0.5 0.5

Management, business, and financial ............... 0.5 0.5 0.6 0.6

Professional and related .................................... 0.4 0.4 0.5 0.5

Teachers ........................................................ 0.4 0.4 0.9 0.9

Primary, secondary, and special education

school teachers ........................................ 0.5 0.5 1.0 1.0

Registered nurses ......................................... 1.3 1.3 1.4 1.4

Service ................................................................... 0.7 0.7 0.8 0.8

Protective service .............................................. 1.0 1.0 1.0 1.0

Sales and office ..................................................... 0.3 0.3 0.4 0.4

Sales and related ............................................... 0.5 0.5 0.5 0.5

Office and administrative support ...................... 0.4 0.4 0.4 0.4

Natural resources, construction, and maintenance 0.6 0.6 0.9 0.9

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.8 0.8 1.3 1.3

Installation, maintenance, and repair ................. 0.6 0.6 0.8 0.8

Production, transportation, and material moving ... 0.5 0.5 0.6 0.6

Production ......................................................... 0.6 0.6 0.8 0.8

Transportation and material moving .................. 0.7 0.7 0.9 0.9

Full time ................................................................. 0.2 0.2 0.3 0.3

Part time ................................................................ 0.8 0.8 1.0 1.0

Union ..................................................................... 0.3 0.3 0.5 0.5

Nonunion ............................................................... 0.2 0.2 0.3 0.3

Wage percentiles:2

Lowest 10 percent ............................................. 1.3 1.3 1.7 1.7

Lowest 25 percent ............................................. 0.6 0.6 0.7 0.7

Second 25 percent ............................................ 0.3 0.3 0.5 0.5

Third 25 percent ................................................ 0.3 0.3 0.4 0.4

Highest 25 percent ............................................ 0.3 0.3 0.4 0.4

Highest 10 percent ............................................ 0.4 0.4 0.6 0.6

Establishment characteristics

Goods-producing industries ................................... 0.4 0.4 0.6 0.6

Service-providing industries .................................. 0.2 0.2 0.3 0.3

Education and health services ........................... 0.4 0.4 0.7 0.7

Educational services ...................................... 0.4 0.4 0.9 0.9

Elementary and secondary schools ........... 0.5 0.5 0.9 0.9

Junior colleges, colleges, and universities 0.9 0.9 2.2 2.2

Health care and social assistance ................. 0.5 0.5 0.9 0.9

Hospitals .................................................... 0.6 0.6 0.7 0.7

Public administration ......................................... 0.4 0.4 0.7 0.7

See footnotes at end of table.
Table 10. Standard errors for medical care benefits: Share of premiums paid

by employer and employee, civilian workers,1 National Compensation

Survey, March 2009—Continued

Characteristics

Single coverage Family coverage

Employer

share

Employee

share

Employer

share

Employee

share

1 to 99 workers ...................................................... 0.4 0.4 0.5 0.5

1 to 49 workers .................................................. 0.4 0.4 0.6 0.6

50 to 99 workers ................................................ 0.7 0.7 1.0 1.0

100 workers or more .............................................. 0.3 0.3 0.3 0.3

100 to 499 workers ............................................ 0.4 0.4 0.5 0.5

500 workers or more .......................................... 0.4 0.4 0.5 0.5

Geographic areas

New England ......................................................... 0.7 0.7 0.8 0.8

Middle Atlantic ....................................................... 0.5 0.5 0.8 0.8

East North Central ................................................. 0.5 0.5 0.6 0.6

West North Central ................................................ 1.0 1.0 1.1 1.1

South Atlantic ........................................................ 0.5 0.5 0.7 0.7

East South Central ................................................ 1.5 1.5 1.9 1.9

West South Central ............................................... 0.7 0.7 0.9 0.9

Mountain ................................................................ 1.0 1.0 1.0 1.0

Pacific .................................................................... 0.4 0.4 0.7 0.7

1 Includes workers in the private nonfarm economy

except those in private households, and workers in the

public sector, except the federal government. See

Technical Note for further explanation. 2 The percentile groupings are based on the

average wage for each occupation surveyed, which may

include workers both above and below the threshold.

The percentile values are based on the estimates

published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See

Technical Note for more details.
Table 11. Medical care benefits, single coverage: Employer and employee premiums by employee

contribution requirement, civilian workers,1 National Compensation Survey, March 2009

(All workers with single coverage medical care benefits = 100 percent)

Characteristics

Total Employee contribution not

required Employee contribution required

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

All workers ............................................................. 100 $338.32 25 $421.70 75 $310.28 $89.86

Worker characteristics

Management, professional, and related ................ 100 358.98 26 421.84 74 337.25 88.05

Management, business, and financial ............... 100 344.27 22 433.10 78 318.93 84.91

Professional and related .................................... 100 365.16 27 417.97 73 345.48 89.45

Teachers ........................................................ 100 423.14 39 452.32 61 404.23 90.71

Primary, secondary, and special education

school teachers ........................................ 100 434.90 41 466.25 59 412.97 92.11

Registered nurses ......................................... 100 368.70 19 441.13 81 351.59 94.73

Service ................................................................... 100 337.83 24 435.46 76 306.35 90.90

Protective service .............................................. 100 359.38 28 433.16 72 330.36 77.08

Sales and office ..................................................... 100 313.49 21 390.43 79 293.49 93.30

Sales and related ............................................... 100 270.80 16 344.55 84 256.68 101.43

Office and administrative support ...................... 100 331.24 23 404.05 77 310.07 89.64

Natural resources, construction, and maintenance 100 355.81 36 460.21 64 296.79 94.84

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 391.06 44 497.15 56 306.99 97.59

Installation, maintenance, and repair ................. 100 321.77 28 404.47 72 289.12 92.78

Production, transportation, and material moving ... 100 320.35 25 415.75 75 288.63 84.63

Production ......................................................... 100 317.87 22 402.93 78 293.72 84.29

Transportation and material moving .................. 100 323.42 28 428.09 72 281.73 85.09

Full time ................................................................. 100 338.53 25 420.43 75 310.91 88.83

Part time ................................................................ 100 334.88 24 443.36 76 299.98 106.66

Union ..................................................................... 100 440.51 46 498.94 54 391.71 80.13

Nonunion ............................................................... 100 309.24 19 370.09 81 294.62 91.73

Wage percentiles:2

Lowest 10 percent ............................................. 100 263.32 16 342.19 84 248.09 96.89

Lowest 25 percent ............................................. 100 285.05 17 346.86 83 271.99 98.82

Second 25 percent ............................................ 100 315.71 22 392.17 78 294.03 91.49

Third 25 percent ................................................ 100 343.86 27 426.04 73 314.00 87.70

Highest 25 percent ............................................ 100 370.23 29 451.72 71 336.82 86.56

Highest 10 percent ............................................ 100 372.96 26 453.91 74 344.14 85.47

Establishment characteristics

Goods-producing industries ................................... 100 331.11 26 438.85 74 293.05 86.85

Service-providing industries .................................. 100 340.09 25 417.30 75 314.43 90.59

Education and health services ........................... 100 379.06 28 424.64 72 361.70 89.99

Educational services ...................................... 100 408.04 37 436.73 63 391.49 88.04

Elementary and secondary schools ........... 100 420.76 41 444.86 59 403.73 91.21

Junior colleges, colleges, and universities 100 377.84 26 395.20 74 371.65 82.85

Health care and social assistance ................. 100 351.78 19 402.83 81 339.72 91.44

Hospitals .................................................... 100 358.23 14 421.97 86 347.44 87.02

Public administration ......................................... 100 417.62 35 452.03 65 399.24 69.21

See footnotes at end of table.
Table 11. Medical care benefits, single coverage: Employer and employee premiums by employee

contribution requirement, civilian workers,1 National Compensation Survey, March 2009—Continued

(All workers with single coverage medical care benefits = 100 percent)

Characteristics

Total Employee contribution not

required Employee contribution required

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

1 to 99 workers ...................................................... 100 $319.04 31 $405.88 69 $280.00 $100.42

1 to 49 workers .................................................. 100 317.61 33 395.44 67 279.44 102.82

50 to 99 workers ................................................ 100 322.15 27 433.71 73 281.13 95.62

100 workers or more .............................................. 100 349.24 22 434.41 78 325.41 84.58

100 to 499 workers ............................................ 100 339.39 20 450.29 80 312.00 87.37

500 workers or more .......................................... 100 357.17 24 423.66 76 336.72 82.23

Geographic areas

New England ......................................................... 100 347.41 20 464.84 80 318.85 106.55

Middle Atlantic ....................................................... 100 354.33 30 415.86 70 328.02 88.27

East North Central ................................................. 100 340.85 21 456.89 79 310.37 88.44

West North Central ................................................ 100 340.63 26 430.69 74 309.30 87.34

South Atlantic ........................................................ 100 312.61 19 370.39 81 298.85 90.06

East South Central ................................................ 100 311.17 26 362.93 74 293.29 93.61

West South Central ............................................... 100 323.78 26 377.58 74 305.01 90.00

Mountain ................................................................ 100 337.29 25 451.66 75 300.16 93.24

Pacific .................................................................... 100 365.44 33 457.51 67 320.60 84.48

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government.

See Technical Note for further explanation. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. For

definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 11. Standard errors for medical care benefits, single coverage: Employer and employee

premiums by employee contribution requirement, civilian workers,1 National Compensation

Survey, March 2009

Characteristics

Total Employee contribution not

required Employee contribution required

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

All workers ............................................................. $2.63 0.6 $5.99 0.6 $2.08 $0.88

Worker characteristics

Management, professional, and related ................ 3.99 0.9 8.41 0.9 3.38 1.33

Management, business, and financial ............... 7.17 1.1 21.50 1.1 5.19 1.51

Professional and related .................................... 3.88 1.1 7.47 1.1 3.78 1.73

Teachers ........................................................ 6.21 1.6 9.97 1.6 7.24 2.86

Primary, secondary, and special education

school teachers ........................................ 7.83 2.0 12.91 2.0 9.23 3.37

Registered nurses ......................................... 14.09 3.5 38.53 3.5 11.99 4.69

Service ................................................................... 7.80 1.4 21.38 1.4 5.34 2.46

Protective service .............................................. 13.07 2.6 13.65 2.6 15.70 4.45

Sales and office ..................................................... 2.72 0.9 8.36 0.9 2.19 1.15

Sales and related ............................................... 3.42 1.4 10.43 1.4 3.37 2.17

Office and administrative support ...................... 3.22 1.0 9.60 1.0 2.67 1.37

Natural resources, construction, and maintenance 6.85 1.5 11.64 1.5 6.41 2.67

Construction, extraction, farming, fishing, and

forestry ............................................................. 11.81 2.0 18.09 2.0 11.32 4.92

Installation, maintenance, and repair ................. 6.51 1.8 11.48 1.8 7.64 2.44

Production, transportation, and material moving ... 4.41 1.1 10.81 1.1 3.46 1.63

Production ......................................................... 4.88 1.6 9.58 1.6 4.94 2.31

Transportation and material moving .................. 6.61 2.1 17.54 2.1 3.94 2.00

Full time ................................................................. 2.61 0.7 5.91 0.7 2.13 0.87

Part time ................................................................ 9.55 1.6 22.60 1.6 6.43 3.81

Union ..................................................................... 5.80 1.2 10.34 1.2 4.35 1.92

Nonunion ............................................................... 2.27 0.7 5.01 0.7 2.15 0.94

Wage percentiles:2

Lowest 10 percent ............................................. 8.40 3.1 32.50 3.1 7.69 4.06

Lowest 25 percent ............................................. 4.11 1.4 11.64 1.4 4.02 1.93

Second 25 percent ............................................ 2.95 0.8 7.81 0.8 2.55 1.47

Third 25 percent ................................................ 3.77 1.0 10.60 1.0 2.72 1.27

Highest 25 percent ............................................ 3.69 0.8 7.20 0.8 3.24 0.98

Highest 10 percent ............................................ 5.67 1.2 14.69 1.2 4.77 1.41

Establishment characteristics

Goods-producing industries ................................... 4.98 1.1 10.01 1.1 4.04 1.92

Service-providing industries .................................. 2.93 0.7 7.55 0.7 2.22 0.91

Education and health services ........................... 4.38 1.4 10.98 1.4 3.83 1.76

Educational services ...................................... 4.78 1.7 9.01 1.7 5.12 2.39

Elementary and secondary schools ........... 6.31 1.9 10.75 1.9 7.39 3.54

Junior colleges, colleges, and universities 4.83 3.6 12.08 3.6 5.24 3.07

Health care and social assistance ................. 6.97 1.9 26.29 1.9 5.19 2.49

Hospitals .................................................... 7.22 1.7 25.20 1.7 7.54 2.82

Public administration ......................................... 7.48 2.2 17.71 2.2 5.51 2.05

See footnotes at end of table.
Table 11. Standard errors for medical care benefits, single coverage: Employer and employee

premiums by employee contribution requirement, civilian workers,1 National Compensation

Survey, March 2009—Continued

Characteristics

Total Employee contribution not

required Employee contribution required

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

1 to 99 workers ...................................................... $3.75 1.0 $7.33 1.0 $3.19 $1.58

1 to 49 workers .................................................. 4.10 1.3 7.45 1.3 3.75 1.83

50 to 99 workers ................................................ 6.71 1.7 17.26 1.7 5.62 2.54

100 workers or more .............................................. 3.28 0.8 9.32 0.8 2.67 1.00

100 to 499 workers ............................................ 3.82 1.0 9.86 1.0 3.46 1.37

500 workers or more .......................................... 4.62 1.0 13.89 1.0 3.89 1.44

Geographic areas

New England ......................................................... 6.15 2.8 11.06 2.8 6.66 1.81

Middle Atlantic ....................................................... 6.12 1.2 16.51 1.2 3.36 2.90

East North Central ................................................. 7.29 1.2 16.15 1.2 6.29 2.20

West North Central ................................................ 11.36 2.7 25.24 2.7 9.23 3.38

South Atlantic ........................................................ 3.50 1.7 7.06 1.7 3.53 1.65

East South Central ................................................ 8.05 4.2 9.08 4.2 9.25 2.99

West South Central ............................................... 5.65 2.2 11.90 2.2 5.48 2.92

Mountain ................................................................ 7.25 2.5 15.41 2.5 6.47 4.45

Pacific .................................................................... 9.77 1.1 17.30 1.1 7.04 1.72

1 Includes workers in the private nonfarm economy except those in

private households, and workers in the public sector, except the federal

government. See Technical Note for further explanation. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below

the threshold. The percentile values are based on the estimates

published in the "National Compensation Survey: Occupational Earnings

in the United States, 2008." See Technical Note for more details.
Table 12. Medical care benefits, single coverage: Employee participation by type of contribution, civilian workers,1

National Compensation Survey, March 2009

(All workers with contributory coverage = 100 percent)

Characteristics

Single coverage

Total with

contributory

coverage

Flat dollar

amount

Composite

rate2 Varies3 Flexiblebenefits4

Percent of

earnings

Exists, but

unknown Other

All workers ............................................................. 100 78 1 8 1 5 ( ) 11 1

Worker characteristics

Management, professional, and related ................ 100 78 1 10 2 5 () 8 1

Management, business, and financial ............... 100 77 1 11 3 5 () 8 1

Professional and related .................................... 100 79 1 9 2 5 () 8 1

Teachers ........................................................ 100 83 1 92–5–

Primary, secondary, and special education

school teachers ........................................ 100 84 1 82–5–

Registered nurses ......................................... 100 75 – 10 2 – 12 –

Service ................................................................... 100 77 1 8 1 – 12 1

Protective service .............................................. 100 78 – 7 1 – 12 –

Sales and office ..................................................... 100 74 5 () 9 1 5 ( ) 15 5 ( )

Sales and related ............................................... 100 68 – 7 – – 24 5 ( )

Office and administrative support ...................... 100 77 5 ( ) 10 1 – 11 1

Natural resources, construction, and maintenance 100 82 1 6 5 ( ) – 10 1

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 79 – 7 1 – 11 2

Installation, maintenance, and repair ................. 100 84 – 5––9–

Production, transportation, and material moving ... 100 83 1 5 5 ( ) – 10 1

Production ......................................................... 100 83 1 5 5 ( ) – 10 –

Transportation and material moving .................. 100 83 1 4 1 – 10 2

Full time ................................................................. 100 78 1 8 1 5 ( ) 11 1

Part time ................................................................ 100 76 – 8 1 – 14 –

Union ..................................................................... 100 79 1 9 1 5 () 8 2

Nonunion ............................................................... 100 78 1 8 1 5 ( ) 11 5 ( )

Wage percentiles:6

Lowest 10 percent ............................................. 100 72 – 8 – – 18 –

Lowest 25 percent ............................................. 100 73 1 7 5 ( ) – 18 –

Second 25 percent ............................................ 100 79 1 8 1 – 11 5 ( )

Third 25 percent ................................................ 100 81 1 7 1 5 ( ) 10 1

Highest 25 percent ............................................ 100 78 1 10 2 5 () 8 1

Highest 10 percent ............................................ 100 76 2 11 2 5 () 8 1

Establishment characteristics

Goods-producing industries ................................... 100 82 – 5 5 ( ) – 10 –

Service-providing industries .................................. 100 77 1 9 1 5 ( ) 11 1

Education and health services ........................... 100 79 – 11 2 – 7 1

Educational services ...................................... 100 81 5 ( ) 11 2 5 () 5 –

Elementary and secondary schools ........... 100 83 1 8 2 5 () 6 –

Junior colleges, colleges, and universities 100 78 – 17 1 – 4 –

Health care and social assistance ................. 100 78 – 11 1 – 9 1

Hospitals .................................................... 100 74 – 11 1 – 12 –

Public administration ......................................... 100 81 – 10 3 – 4 –

See footnotes at end of table.
Table 12. Medical care benefits, single coverage: Employee participation by type of contribution, civilian workers,1

National Compensation Survey, March 2009—Continued

(All workers with contributory coverage = 100 percent)

Characteristics

Single coverage

Total with

contributory

coverage

Flat dollar

amount

Composite

rate2 Varies3 Flexiblebenefits4

Percent of

earnings

Exists, but

unknown Other

1 to 99 workers ...................................................... 100 81 5 () 8 1 – 9 1

1 to 49 workers .................................................. 100 80 5 () 9 1 – 9 1

50 to 99 workers ................................................ 100 84 – 51–9–

100 workers or more .............................................. 100 77 1 8 1 5 ( ) 12 1

100 to 499 workers ............................................ 100 80 1 5 1 – 12 5 ( )

500 workers or more .......................................... 100 74 1 11 2 – 11 1

Geographic areas

New England ......................................................... 100 85 – 51–9–

Middle Atlantic ....................................................... 100 78 – 8 1 1 11 –

East North Central ................................................. 100 77 1 8 2 – 12 –

West North Central ................................................ 100 79 – 10 – – 10 –

South Atlantic ........................................................ 100 83 – 6––91

East South Central ................................................ 100 75 – 8––––

West South Central ............................................... 100 74 – 11 2 – 12 –

Mountain ................................................................ 100 74 5 ( ) 10 1 – 13 1

Pacific .................................................................... 100 77 2 82–82

Average monthly employer premium7 ................... $310.28 $307.99 $330.03 $336.08 $336.77 $282.08 $298.79 $385.39

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government. See

Technical Note for further explanation. 2 A composite rate is a set contribution covering more than one benefit area, for

example, health care and life insurance. Cost data for individual plans cannot be

determined. 3 Based on worker attributes. For example, employee contributions may vary

based on earnings, length of service, or age. 4 Amount varies by options selected under a "cafeteria plan" or

employer-sponsored reimbursement account. 5 Less than 0.5 percent.

6 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2008." See Technical Note for

more details. 7 Average premium is for all workers.

NOTE: Because of rounding, sums of individual items may not equal totals. Dash

indicates no workers in this category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 12. Standard errors for medical care benefits, single coverage: Employee participation by type of contribution,

civilian workers,1 National Compensation Survey, March 2009

Characteristics

Single coverage

Total with

contributory

coverage

Flat dollar

amount

Composite

rate2 Varies3 Flexiblebenefits4

Percent of

earnings

Exists, but

unknown Other

All workers ............................................................. 0.0 0.9 0.2 0.4 0.1 5 ( ) 0.7 0.2

Worker characteristics

Management, professional, and related ................ 0.0 1.0 0.5 0.7 0.3 5 ( ) 0.6 0.2

Management, business, and financial ............... 0.0 1.2 0.6 1.1 0.5 5 ( ) 0.7 0.2

Professional and related .................................... 0.0 1.1 0.5 0.7 0.3 5 ( ) 0.7 0.2

Teachers ........................................................ 0.0 1.5 0.1 1.0 0.6 – 1.0 –

Primary, secondary, and special education

school teachers ........................................ 0.0 1.9 0.1 1.2 0.9 – 1.4 –

Registered nurses ......................................... 0.0 2.5 – 1.5 0.6 – 1.8 –

Service ................................................................... 0.0 2.7 0.3 0.8 0.2 – 2.6 0.5

Protective service .............................................. 0.0 3.3 – 1.6 0.3 – 2.7 –

Sales and office ..................................................... 0.0 0.9 5 ( ) 0.6 0.2 5 ( ) 0.7 5 ( )

Sales and related ............................................... 0.0 1.6 – 0.8 – – 1.6 5 ( )

Office and administrative support ...................... 0.0 1.0 5 ( ) 0.8 0.3 – 0.6 0.2

Natural resources, construction, and maintenance 0.0 1.5 0.2 0.8 5 ( ) – 1.2 0.5

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.0 2.4 – 1.2 0.1 – 2.2 1.1

Installation, maintenance, and repair ................. 0.0 1.8 – 0.8 – – 1.6 –

Production, transportation, and material moving ... 0.0 1.2 0.3 0.7 5 ( ) – 0.9 0.3

Production ......................................................... 0.0 1.5 0.5 1.0 5 ( ) – 1.1 –

Transportation and material moving .................. 0.0 1.5 0.4 0.7 0.2 – 1.2 0.7

Full time ................................................................. 0.0 0.9 0.2 0.4 0.1 5 ( ) 0.7 0.2

Part time ................................................................ 0.0 1.8 – 1.0 0.3 – 1.4 –

Union ..................................................................... 0.0 1.3 0.5 0.9 0.4 5 ( ) 0.9 0.6

Nonunion ............................................................... 0.0 0.9 0.2 0.5 0.2 5 ( ) 0.7 5 ( )

Wage percentiles:6

Lowest 10 percent ............................................. 0.0 5.4 – 1.0 – – 5.3 –

Lowest 25 percent ............................................. 0.0 2.3 0.3 0.7 5 ( ) – 2.0 –

Second 25 percent ............................................ 0.0 1.2 0.2 0.7 0.2 – 0.9 5 ( )

Third 25 percent ................................................ 0.0 1.0 0.1 0.6 0.2 5 ( ) 0.7 0.1

Highest 25 percent ............................................ 0.0 0.9 0.6 0.6 0.3 5 ( ) 0.6 0.3

Highest 10 percent ............................................ 0.0 1.3 0.7 0.8 0.4 5 ( ) 0.8 0.3

Establishment characteristics

Goods-producing industries ................................... 0.0 1.6 – 0.8 5 ( ) – 1.0 –

Service-providing industries .................................. 0.0 1.0 0.2 0.5 0.2 5 ( ) 0.8 0.2

Education and health services ........................... 0.0 1.3 – 1.1 0.3 – 0.7 0.2

Educational services ...................................... 0.0 1.2 5 ( ) 1.0 0.3 5 ( ) 0.7 –

Elementary and secondary schools ........... 0.0 1.6 0.1 1.2 0.5 5 ( ) 1.1 –

Junior colleges, colleges, and universities 0.0 2.2 – 2.0 0.1 – 0.8 –

Health care and social assistance ................. 0.0 2.0 – 1.7 0.4 – 1.0 0.3

Hospitals .................................................... 0.0 2.0 – 1.5 0.4 – 1.6 –

Public administration ......................................... 0.0 2.6 – 1.7 0.9 – 1.2 –

See footnotes at end of table.
Table 12. Standard errors for medical care benefits, single coverage: Employee participation by type of contribution,

civilian workers,1 National Compensation Survey, March 2009—Continued

Characteristics

Single coverage

Total with

contributory

coverage

Flat dollar

amount

Composite

rate2 Varies3 Flexiblebenefits4

Percent of

earnings

Exists, but

unknown Other

1 to 99 workers ...................................................... 0.0 1.0 5 ( ) 0.7 0.2 – 0.8 0.3

1 to 49 workers .................................................. 0.0 1.2 5 ( ) 1.0 0.2 – 0.9 0.3

50 to 99 workers ................................................ 0.0 1.7 – 0.9 0.2 – 1.3 –

100 workers or more .............................................. 0.0 1.1 0.3 0.5 0.2 5 ( ) 0.9 0.2

100 to 499 workers ............................................ 0.0 0.8 0.3 0.5 0.3 – 0.6 5 ( )

500 workers or more .......................................... 0.0 1.7 0.5 0.8 0.3 – 1.6 0.3

Geographic areas

New England ......................................................... 0.0 2.6 – 1.8 0.3 – 1.4 –

Middle Atlantic ....................................................... 0.0 1.9 – 0.8 0.2 0.3 1.5 –

East North Central ................................................. 0.0 1.9 0.1 0.8 0.3 – 1.6 –

West North Central ................................................ 0.0 1.5 – 1.6 – – 1.2 –

South Atlantic ........................................................ 0.0 1.5 – 0.9 – – 0.9 0.3

East South Central ................................................ 0.0 8.2 – 1.6 – – – –

West South Central ............................................... 0.0 2.4 – 1.7 0.8 – 1.1 –

Mountain ................................................................ 0.0 2.8 5 ( ) 2.1 0.2 – 1.9 0.3

Pacific .................................................................... 0.0 1.8 0.9 1.3 0.5 – 0.8 0.8

Average monthly employer premium7 ................... $2.08 $2.31 $24.64 $8.49 $9.79 $29.97 $5.86 $46.84

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government. See

Technical Note for further explanation. 2 A composite rate is a set contribution covering more than one benefit area, for

example, health care and life insurance. Cost data for individual plans cannot be

determined. 3 Based on worker attributes. For example, employee contributions may vary

based on earnings, length of service, or age. 4 Amount varies by options selected under a "cafeteria plan" or

employer-sponsored reimbursement account. 5 Less than 0.05.

6 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2008." See Technical Note for

more details. 7 Average premium is for all workers.

NOTE: Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 13. Medical care benefits, family coverage: Employer and employee premiums by employee

contribution requirement, civilian workers,1 National Compensation Survey, March 2009

(All workers with family coverage medical care benefits = 100 percent)

Characteristics

Total Employee contribution not

required Employee contribution required

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

All workers ............................................................. 100 $758.65 12 $936.01 88 $734.38 $347.93

Worker characteristics

Management, professional, and related ................ 100 805.79 10 972.84 90 786.51 352.47

Management, business, and financial ............... 100 810.43 9 1,007.48 91 790.85 326.62

Professional and related .................................... 100 803.86 11 960.85 89 784.65 363.48

Teachers ........................................................ 100 796.42 15 993.42 85 762.06 417.84

Primary, secondary, and special education

school teachers ........................................ 100 788.36 15 1,027.41 85 746.52 440.58

Registered nurses ......................................... 100 835.36 8 882.90 92 831.13 365.87

Service ................................................................... 100 720.79 12 905.97 88 696.68 360.17

Protective service .............................................. 100 821.60 11 1,043.44 89 793.72 282.09

Sales and office ..................................................... 100 721.72 8 911.85 92 704.57 359.79

Sales and related ............................................... 100 634.97 7 735.41 93 627.45 372.15

Office and administrative support ...................... 100 757.84 9 969.91 91 737.34 354.54

Natural resources, construction, and maintenance 100 730.34 22 924.88 78 674.06 351.74

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 701.73 29 861.95 71 635.17 369.19

Installation, maintenance, and repair ................. 100 756.97 16 1,032.27 84 704.51 338.09

Production, transportation, and material moving ... 100 759.16 16 929.31 84 727.19 303.35

Production ......................................................... 100 782.19 15 945.03 85 754.41 293.79

Transportation and material moving .................. 100 730.23 17 912.74 83 691.82 315.78

Full time ................................................................. 100 759.83 12 943.59 88 734.81 345.06

Part time ................................................................ 100 738.47 13 815.70 87 727.02 397.48

Union ..................................................................... 100 920.51 33 950.91 67 905.49 291.36

Nonunion ............................................................... 100 713.18 6 913.44 94 700.09 359.26

Wage percentiles:2

Lowest 10 percent ............................................. 100 553.71 8 480.43 92 560.24 379.53

Lowest 25 percent ............................................. 100 633.13 7 726.17 93 626.29 384.44

Second 25 percent ............................................ 100 707.47 9 877.86 91 691.42 360.19

Third 25 percent ................................................ 100 768.33 12 923.99 88 746.34 334.62

Highest 25 percent ............................................ 100 834.25 16 998.95 84 802.45 334.85

Highest 10 percent ............................................ 100 862.51 15 969.12 85 843.06 319.72

Establishment characteristics

Goods-producing industries ................................... 100 769.73 18 901.31 82 741.43 303.78

Service-providing industries .................................. 100 755.95 11 950.04 89 732.80 357.83

Education and health services ........................... 100 787.42 10 959.95 90 768.53 394.34

Educational services ...................................... 100 781.66 13 1,008.51 87 747.85 402.85

Elementary and secondary schools ........... 100 771.72 16 1,009.11 84 725.70 435.82

Junior colleges, colleges, and universities 100 804.55 6 975.23 94 794.49 338.49

Health care and social assistance ................. 100 793.00 7 871.00 93 787.26 386.64

Hospitals .................................................... 100 847.12 5 830.34 95 848.08 311.21

Public administration ......................................... 100 897.88 12 1,015.34 88 881.24 267.92

See footnotes at end of table.
Table 13. Medical care benefits, family coverage: Employer and employee premiums by employee

contribution requirement, civilian workers,1 National Compensation Survey, March 2009—Continued

(All workers with family coverage medical care benefits = 100 percent)

Characteristics

Total Employee contribution not

required Employee contribution required

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

1 to 99 workers ...................................................... 100 $677.79 14 $926.40 86 $636.70 $393.18

1 to 49 workers .................................................. 100 670.92 14 932.46 86 626.81 396.31

50 to 99 workers ................................................ 100 692.42 14 912.75 86 657.56 386.58

100 workers or more .............................................. 100 803.59 11 943.00 89 786.64 323.72

100 to 499 workers ............................................ 100 783.01 9 915.64 91 769.49 339.60

500 workers or more .......................................... 100 820.07 12 959.73 88 800.82 310.58

Geographic areas

New England ......................................................... 100 841.96 12 1,033.02 88 816.64 349.36

Middle Atlantic ....................................................... 100 848.86 22 935.45 78 824.04 323.49

East North Central ................................................. 100 815.70 14 965.32 86 791.02 297.87

West North Central ................................................ 100 765.13 12 893.43 88 747.29 337.54

South Atlantic ........................................................ 100 699.69 4 1,027.28 96 684.80 363.64

East South Central ................................................ 100 625.18 6 786.28 94 614.51 367.34

West South Central ............................................... 100 670.08 5 931.64 95 656.53 402.87

Mountain ................................................................ 100 701.12 10 836.97 90 685.99 379.56

Pacific .................................................................... 100 782.57 16 923.11 84 754.87 345.03

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government.

See Technical Note for further explanation. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. For

definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 13. Standard errors for medical care benefits, family coverage: Employer and employee

premiums by employee contribution requirement, civilian workers,1 National Compensation

Survey, March 2009

Characteristics

Total Employee contribution not

required Employee contribution required

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

All workers ............................................................. $5.40 0.4 $13.42 0.4 $5.31 $3.58

Worker characteristics

Management, professional, and related ................ 8.06 0.6 22.48 0.6 8.16 5.17

Management, business, and financial ............... 15.99 0.7 34.12 0.7 16.99 5.56

Professional and related .................................... 8.31 0.8 25.47 0.8 8.27 6.52

Teachers ........................................................ 14.57 1.2 28.77 1.2 15.52 13.43

Primary, secondary, and special education

school teachers ........................................ 17.06 1.4 34.65 1.4 18.26 15.58

Registered nurses ......................................... 25.44 2.2 73.42 2.2 25.67 14.36

Service ................................................................... 14.70 0.8 43.15 0.8 13.22 7.18

Protective service .............................................. 26.90 1.3 39.91 1.3 28.92 13.83

Sales and office ..................................................... 5.95 0.5 24.48 0.5 5.65 4.55

Sales and related ............................................... 8.35 0.7 36.64 0.7 8.54 7.12

Office and administrative support ...................... 6.74 0.6 30.77 0.6 6.41 5.03

Natural resources, construction, and maintenance 12.88 1.3 25.01 1.3 13.29 7.73

Construction, extraction, farming, fishing, and

forestry ............................................................. 17.37 1.8 29.11 1.8 20.34 12.07

Installation, maintenance, and repair ................. 17.15 1.4 48.26 1.4 16.30 9.10

Production, transportation, and material moving ... 9.97 1.1 22.60 1.1 10.06 6.52

Production ......................................................... 13.74 1.4 27.67 1.4 14.94 8.05

Transportation and material moving .................. 14.34 1.5 36.64 1.5 12.78 8.81

Full time ................................................................. 5.54 0.4 13.92 0.4 5.40 3.67

Part time ................................................................ 19.10 1.3 64.86 1.3 16.60 12.29

Union ..................................................................... 9.60 1.1 15.88 1.1 10.78 10.00

Nonunion ............................................................... 5.69 0.4 24.86 0.4 5.72 3.79

Wage percentiles:2

Lowest 10 percent ............................................. 30.29 1.9 88.68 1.9 29.25 17.27

Lowest 25 percent ............................................. 11.07 0.6 69.85 0.6 10.34 6.93

Second 25 percent ............................................ 7.42 0.6 25.23 0.6 7.32 6.87

Third 25 percent ................................................ 7.01 0.7 16.30 0.7 7.19 4.85

Highest 25 percent ............................................ 7.41 0.7 18.63 0.7 8.24 4.43

Highest 10 percent ............................................ 10.09 1.0 28.83 1.0 10.89 5.83

Establishment characteristics

Goods-producing industries ................................... 9.50 1.0 16.93 1.0 10.82 6.36

Service-providing industries .................................. 5.73 0.4 17.85 0.4 5.45 3.93

Education and health services ........................... 11.10 0.7 27.34 0.7 10.74 8.60

Educational services ...................................... 12.77 0.9 21.31 0.9 13.35 11.87

Elementary and secondary schools ........... 13.96 1.1 22.63 1.1 14.30 14.79

Junior colleges, colleges, and universities 27.47 1.0 68.40 1.0 27.97 18.74

Health care and social assistance ................. 17.39 1.2 62.26 1.2 15.98 13.29

Hospitals .................................................... 15.21 0.8 39.43 0.8 15.82 8.54

Public administration ......................................... 13.04 1.0 25.38 1.0 13.93 8.15

See footnotes at end of table.
Table 13. Standard errors for medical care benefits, family coverage: Employer and employee

premiums by employee contribution requirement, civilian workers,1 National Compensation

Survey, March 2009—Continued

Characteristics

Total Employee contribution not

required Employee contribution required

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

1 to 99 workers ...................................................... $7.74 0.8 $23.82 0.8 $7.32 $5.57

1 to 49 workers .................................................. 8.72 0.9 27.72 0.9 8.65 6.21

50 to 99 workers ................................................ 15.51 1.3 39.60 1.3 16.47 8.64

100 workers or more .............................................. 6.97 0.4 17.49 0.4 6.92 4.09

100 to 499 workers ............................................ 9.60 0.6 20.51 0.6 10.41 6.78

500 workers or more .......................................... 9.07 0.5 29.14 0.5 8.95 5.77

Geographic areas

New England ......................................................... 14.72 1.6 27.19 1.6 14.71 10.47

Middle Atlantic ....................................................... 15.07 1.3 27.87 1.3 12.05 8.59

East North Central ................................................. 12.62 1.1 20.92 1.1 13.84 8.34

West North Central ................................................ 14.64 1.2 54.52 1.2 13.01 16.67

South Atlantic ........................................................ 13.20 0.8 56.65 0.8 12.24 7.57

East South Central ................................................ 19.86 0.8 31.63 0.8 21.05 16.83

West South Central ............................................... 14.28 0.7 88.69 0.7 13.65 10.36

Mountain ................................................................ 12.54 1.8 102.22 1.8 14.21 10.95

Pacific .................................................................... 15.58 1.3 25.56 1.3 17.97 7.88

1 Includes workers in the private nonfarm economy except those in

private households, and workers in the public sector, except the federal

government. See Technical Note for further explanation. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below

the threshold. The percentile values are based on the estimates

published in the "National Compensation Survey: Occupational Earnings

in the United States, 2008." See Technical Note for more details.
Table 14. Medical care benefits, family coverage: Employee participation by type of contribution, civilian workers,1

National Compensation Survey, March 2009

(All workers with contributory coverage = 100 percent)

Characteristics

Family coverage

Total with

contributory

coverage

Flat dollar

amount

Composite

rate2 Varies3 Flexiblebenefits4

Percent of

earnings

Exists, but

unknown Other

All workers ............................................................. 100 81 1 7 1 5 ( ) 10 1

Worker characteristics

Management, professional, and related ................ 100 81 1 8 2 5 () 8 5 ( )

Management, business, and financial ............... 100 79 – 9 2 5 () 8 5 ( )

Professional and related .................................... 100 82 – 7 1 5 () 8 5 ( )

Teachers ........................................................ 100 86 – 71–5–

Primary, secondary, and special education

school teachers ........................................ 100 86 – 61–6–

Registered nurses ......................................... 100 76 5 ( ) 9 1 – 12 –

Service ................................................................... 100 80 – 7 1 – 11 –

Protective service .............................................. 100 81 – 6 1 – 10 –

Sales and office ..................................................... 100 77 5 ( ) 7 1 – 15 5 ( )

Sales and related ............................................... 100 70 – 5 – – 23 –

Office and administrative support ...................... 100 79 5 ( ) 8 1 – 11 5 ( )

Natural resources, construction, and maintenance 100 83 5 ( ) 5 1 – 10 1

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 80 – 6 5 ( ) – 11 2

Installation, maintenance, and repair ................. 100 85 – 41–9–

Production, transportation, and material moving ... 100 85 1 4 5 () – 9 1

Production ......................................................... 100 85 – 5 5 () – 9 –

Transportation and material moving .................. 100 86 – 3 5 () – 9 –

Full time ................................................................. 100 81 1 7 1 5 ( ) 10 1

Part time ................................................................ 100 79 – 5 1 – 15 –

Union ..................................................................... 100 82 1 7 1 5 () 8 1

Nonunion ............................................................... 100 80 1 7 1 5 ( ) 11 5 ( )

Wage percentiles:6

Lowest 10 percent ............................................. 100 79 – 4 – – 16 –

Lowest 25 percent ............................................. 100 76 1 5 5 ( ) – 18 –

Second 25 percent ............................................ 100 81 5 ( ) 7 1 – 11 5 ( )

Third 25 percent ................................................ 100 83 5 () 6 1 5 () 9 1

Highest 25 percent ............................................ 100 81 – 8 2 5 () 8 1

Highest 10 percent ............................................ 100 80 – 9 2 5 () 8 1

Establishment characteristics

Goods-producing industries ................................... 100 83 – 5 5 ( ) – 10 –

Service-providing industries .................................. 100 80 5 () 7 1 5 ( ) 11 1

Education and health services ........................... 100 82 – 91–7 5 ( )

Educational services ...................................... 100 84 – 8 1 5 () 6 –

Elementary and secondary schools ........... 100 86 – 6 1 5 () 6 –

Junior colleges, colleges, and universities 100 82 – 13 1 – 3 –

Health care and social assistance ................. 100 79 – 91–91

Hospitals .................................................... 100 76 5 ( ) 10 1 – 11 –

Public administration ......................................... 100 84 – 83–5–

See footnotes at end of table.
Table 14. Medical care benefits, family coverage: Employee participation by type of contribution, civilian workers,1

National Compensation Survey, March 2009—Continued

(All workers with contributory coverage = 100 percent)

Characteristics

Family coverage

Total with

contributory

coverage

Flat dollar

amount

Composite

rate2 Varies3 Flexiblebenefits4

Percent of

earnings

Exists, but

unknown Other

1 to 99 workers ...................................................... 100 83 5 () 6 5 ( ) – 10 1

1 to 49 workers .................................................. 100 82 5 ( ) 6 1 – 10 5 ( )

50 to 99 workers ................................................ 100 85 – 4 5 () – 9 –

100 workers or more .............................................. 100 79 1 7 1 5 ( ) 11 5 ( )

100 to 499 workers ............................................ 100 82 1 5 1 – 12 5 ( )

500 workers or more .......................................... 100 77 – 9 2 – 10 1

Geographic areas

New England ......................................................... 100 86 – 41–9–

Middle Atlantic ....................................................... 100 79 – 8 1 1 11 –

East North Central ................................................. 100 79 1 7 2 – 12 5 ( )

West North Central ................................................ 100 80 – 8 – – 11 –

South Atlantic ........................................................ 100 86 – 4 5 () – 9 –

East South Central ................................................ 100 82 – 7––––

West South Central ............................................... 100 78 – 8 2 – 11 –

Mountain ................................................................ 100 74 – 10 1 – 15 –

Pacific .................................................................... 100 80 – 72–92

Average monthly employer premium7 ................... $734.38 $733.24 $737.32 $770.56 $793.45 $788.51 $715.56 $691.03

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government. See

Technical Note for further explanation. 2 A composite rate is a set contribution covering more than one benefit area, for

example, health care and life insurance. Cost data for individual plans cannot be

determined. 3 Based on worker attributes. For example, employee contributions may vary

based on earnings, length of service, or age. 4 Amount varies by options selected under a "cafeteria plan" or

employer-sponsored reimbursement account. 5 Less than 0.5 percent.

6 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2008." See Technical Note for

more details. 7 Average premium is for all workers.

NOTE: Because of rounding, sums of individual items may not equal totals. Dash

indicates no workers in this category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 14. Standard errors for medical care benefits, family coverage: Employee participation by type of contribution,

civilian workers,1 National Compensation Survey, March 2009

Characteristics

Family coverage

Total with

contributory

coverage

Flat dollar

amount

Composite

rate2 Varies3 Flexiblebenefits4

Percent of

earnings

Exists, but

unknown Other

All workers ............................................................. 0.0 0.7 0.2 0.4 0.1 5 ( ) 0.5 0.1

Worker characteristics

Management, professional, and related ................ 0.0 1.0 0.4 0.6 0.2 5 ( ) 0.6 5 ( )

Management, business, and financial ............... 0.0 1.1 – 0.9 0.4 5 ( ) 0.7 5 ( )

Professional and related .................................... 0.0 1.1 – 0.6 0.2 5 ( ) 0.7 5 ( )

Teachers ........................................................ 0.0 1.3 – 0.8 0.5 – 1.0 –

Primary, secondary, and special education

school teachers ........................................ 0.0 1.7 – 0.9 0.7 – 1.4 –

Registered nurses ......................................... 0.0 2.4 5 ( ) 1.7 0.5 – 1.7 –

Service ................................................................... 0.0 2.1 – 0.7 0.2 – 1.8 –

Protective service .............................................. 0.0 2.7 – 1.5 0.2 – 2.2 –

Sales and office ..................................................... 0.0 0.9 5 ( ) 0.5 0.2 – 0.7 5 ( )

Sales and related ............................................... 0.0 1.7 – 0.6 – – 1.8 –

Office and administrative support ...................... 0.0 0.8 5 ( ) 0.6 0.2 – 0.6 5 ( )

Natural resources, construction, and maintenance 0.0 1.4 5 ( ) 0.8 0.1 – 1.1 0.5

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.0 2.3 – 1.2 5 ( ) – 2.1 0.9

Installation, maintenance, and repair ................. 0.0 1.5 – 0.7 0.2 – 1.1 –

Production, transportation, and material moving ... 0.0 1.1 0.3 0.6 5 ( ) – 0.8 0.2

Production ......................................................... 0.0 1.4 – 0.9 5 ( ) – 1.0 –

Transportation and material moving .................. 0.0 1.3 – 0.6 5 ( ) – 1.1 –

Full time ................................................................. 0.0 0.8 0.2 0.4 0.1 5 ( ) 0.6 0.1

Part time ................................................................ 0.0 1.7 – 0.8 0.2 – 1.4 –

Union ..................................................................... 0.0 1.1 0.3 0.8 0.3 5 ( ) 0.7 0.5

Nonunion ............................................................... 0.0 0.8 0.2 0.4 0.1 5 ( ) 0.6 5 ( )

Wage percentiles:6

Lowest 10 percent ............................................. 0.0 3.2 – 1.2 – – 2.5 –

Lowest 25 percent ............................................. 0.0 1.7 0.3 0.7 5 ( ) – 1.4 –

Second 25 percent ............................................ 0.0 1.0 5 ( ) 0.6 0.2 – 0.7 5 ( )

Third 25 percent ................................................ 0.0 0.8 5 ( ) 0.5 0.1 5 ( ) 0.6 0.1

Highest 25 percent ............................................ 0.0 0.9 – 0.5 0.2 5 ( ) 0.6 0.2

Highest 10 percent ............................................ 0.0 1.2 – 0.7 0.4 5 ( ) 0.7 0.2

Establishment characteristics

Goods-producing industries ................................... 0.0 1.5 – 0.6 5 ( ) – 1.0 –

Service-providing industries .................................. 0.0 0.8 5 ( ) 0.4 0.1 5 ( ) 0.6 0.2

Education and health services ........................... 0.0 1.2 – 0.9 0.2 – 0.8 5 ( )

Educational services ...................................... 0.0 1.3 – 0.8 0.3 5 ( ) 1.0 –

Elementary and secondary schools ........... 0.0 1.7 – 0.9 0.4 5 ( ) 1.5 –

Junior colleges, colleges, and universities 0.0 1.9 – 1.6 0.1 – 0.7 –

Health care and social assistance ................. 0.0 1.9 – 1.5 0.4 – 1.1 0.3

Hospitals .................................................... 0.0 2.0 5 ( ) 1.7 0.3 – 1.6 –

Public administration ......................................... 0.0 2.0 – 1.3 0.7 – 1.0 –

See footnotes at end of table.
Table 14. Standard errors for medical care benefits, family coverage: Employee participation by type of contribution,

civilian workers,1 National Compensation Survey, March 2009—Continued

Characteristics

Family coverage

Total with

contributory

coverage

Flat dollar

amount

Composite

rate2 Varies3 Flexiblebenefits4

Percent of

earnings

Exists, but

unknown Other

1 to 99 workers ...................................................... 0.0 1.0 5 ( ) 0.6 5 ( ) – 0.8 0.2

1 to 49 workers .................................................. 0.0 1.2 5 ( ) 0.8 0.1 – 0.9 5 ( )

50 to 99 workers ................................................ 0.0 1.6 – 0.7 5 ( ) – 1.3 –

100 workers or more .............................................. 0.0 0.9 0.3 0.5 0.2 5 ( ) 0.7 5 ( )

100 to 499 workers ............................................ 0.0 0.9 0.2 0.5 0.2 – 0.7 5 ( )

500 workers or more .......................................... 0.0 1.3 – 0.7 0.3 – 1.1 0.3

Geographic areas

New England ......................................................... 0.0 2.9 – 1.5 0.3 – 1.9 –

Middle Atlantic ....................................................... 0.0 2.2 – 0.8 0.2 0.3 1.5 –

East North Central ................................................. 0.0 1.8 0.1 0.8 0.2 – 1.5 5 ( )

West North Central ................................................ 0.0 1.7 – 1.6 – – 1.4 –

South Atlantic ........................................................ 0.0 1.4 – 0.7 5 ( ) – 0.9 –

East South Central ................................................ 0.0 5.4 – 1.7 – – – –

West South Central ............................................... 0.0 1.9 – 1.4 0.6 – 0.8 –

Mountain ................................................................ 0.0 2.6 – 2.0 0.2 – 2.5 –

Pacific .................................................................... 0.0 1.3 – 1.0 0.4 – 0.8 0.6

Average monthly employer premium7 ................... $5.31 $6.29 $48.51 $16.13 $27.15 $75.07 $12.53 $52.01

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government. See

Technical Note for further explanation. 2 A composite rate is a set contribution covering more than one benefit area, for

example, health care and life insurance. Cost data for individual plans cannot be

determined. 3 Based on worker attributes. For example, employee contributions may vary

based on earnings, length of service, or age. 4 Amount varies by options selected under a "cafeteria plan" or

employer-sponsored reimbursement account. 5 Less than 0.05.

6 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2008." See Technical Note for

more details. 7 Average premium is for all workers.

NOTE: Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 15. Medical care benefits: Employee contributions for single and family coverage, civilian workers,1 National

Compensation Survey, March 2009

(Includes workers participating in medical care benefits with flat dollar amount contributory coverage)

Characteristics

Single coverage2 Family coverage2

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. $25.00 $46.28 $75.00 $112.46 $164.29 $99.02 $179.99 $290.24 $461.35 $663.37

Worker characteristics

Management, professional, and related ................ 24.62 45.00 73.24 109.96 160.64 99.60 180.00 296.75 470.80 670.47

Management, business, and financial ............... 26.58 46.00 73.00 108.33 151.66 100.70 173.05 280.95 440.00 618.36

Professional and related .................................... 23.52 44.67 73.39 110.98 165.65 97.74 180.00 301.23 482.83 701.67

Teachers ........................................................ 19.00 40.58 74.50 121.35 191.22 86.40 189.96 367.46 562.44 812.53

Primary, secondary, and special education

school teachers ........................................ 19.00 39.49 75.30 125.56 195.00 90.94 191.95 415.14 591.51 852.00

Registered nurses ......................................... 30.32 46.00 75.83 121.76 183.00 99.60 200.14 323.37 445.66 737.68

Service ................................................................... 22.92 43.33 74.00 115.99 163.71 96.63 190.71 297.74 479.68 659.51

Protective service .............................................. 20.00 31.35 57.83 89.16 139.77 72.69 130.77 234.00 375.00 561.21

Sales and office ..................................................... 26.00 50.00 78.00 116.99 171.07 104.48 192.00 305.17 474.71 675.29

Sales and related ............................................... 28.69 53.84 87.18 128.50 186.38 104.33 215.82 317.35 484.91 698.60

Office and administrative support ...................... 25.13 48.80 75.81 110.10 161.77 105.30 187.44 299.66 472.56 663.82

Natural resources, construction, and maintenance 25.00 47.80 79.44 123.34 181.97 99.20 179.99 300.00 480.47 697.61

Construction, extraction, farming, fishing, and

forestry ............................................................. 17.00 46.72 80.79 127.99 188.55 100.00 188.19 318.64 500.00 757.69

Installation, maintenance, and repair ................. 28.85 48.90 79.00 120.21 178.56 99.00 168.71 281.65 453.00 664.63

Production, transportation, and material moving ... 26.08 46.00 71.49 106.70 151.67 83.97 153.65 254.75 381.06 602.29

Production ......................................................... 26.02 45.08 70.04 105.26 150.27 84.00 145.00 246.81 356.00 558.56

Transportation and material moving .................. 26.47 46.58 72.82 108.33 160.00 79.49 164.33 264.07 416.91 644.32

Full time ................................................................. 25.00 46.35 74.88 111.05 160.78 99.60 179.71 287.80 456.42 659.27

Part time ................................................................ 27.68 44.86 81.49 145.81 222.99 85.47 190.65 330.69 542.17 728.78

Union ..................................................................... 20.76 36.94 62.14 96.63 143.68 63.65 118.00 211.64 343.07 600.30

Nonunion ............................................................... 26.47 49.00 77.00 116.32 167.01 110.00 193.71 305.48 479.14 668.45

Establishment characteristics

Goods-producing industries ................................... 26.48 46.00 73.01 106.59 153.00 94.00 159.35 253.62 390.00 588.02

Service-providing industries .................................. 24.87 46.28 75.48 114.06 167.30 99.20 183.20 301.00 477.96 678.61

Education and health services ........................... 22.05 43.11 74.50 111.83 170.08 99.02 194.04 339.00 517.00 755.34

Educational services ...................................... 18.00 39.54 72.32 113.45 183.94 90.00 191.20 351.62 547.26 775.00

Elementary and secondary schools ........... 18.00 37.18 73.85 121.76 192.82 88.87 190.04 425.24 589.19 852.00

Junior colleges, colleges, and universities 18.00 43.62 71.04 101.40 166.33 102.84 195.67 294.58 481.96 581.00

Health care and social assistance ................. 28.02 45.50 76.02 110.22 162.49 99.60 197.15 331.50 472.64 728.99

Hospitals .................................................... 23.07 46.00 68.33 107.23 166.00 93.16 170.68 271.00 385.69 520.94

Public administration ......................................... 20.10 33.26 52.36 84.72 127.50 78.00 144.00 220.91 352.67 506.00

1 to 99 workers ...................................................... 30.54 52.87 86.61 127.56 181.53 113.00 206.40 331.45 522.93 733.17

1 to 49 workers .................................................. 31.00 53.83 89.35 132.87 188.65 110.36 210.00 343.98 524.47 752.50

50 to 99 workers ................................................ 28.50 50.34 81.00 124.00 169.90 120.00 202.00 317.00 519.96 720.75

100 workers or more .............................................. 22.75 43.33 70.00 105.93 151.66 93.16 167.54 269.00 418.26 603.34

100 to 499 workers ............................................ 26.00 45.49 74.18 110.22 153.76 99.60 178.30 287.15 441.97 648.64

500 workers or more .......................................... 20.88 40.63 65.62 100.99 151.00 85.30 158.59 253.15 400.72 581.00

See footnotes at end of table.
Table 15. Medical care benefits: Employee contributions for single and family coverage, civilian workers,1 National

Compensation Survey, March 2009—Continued

(Includes workers participating in medical care benefits with flat dollar amount contributory coverage)

Characteristics

Single coverage2 Family coverage2

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic areas

New England ......................................................... $34.32 $65.92 $95.72 $135.85 $187.00 $105.00 $195.00 $301.97 $434.00 $644.10

Middle Atlantic ....................................................... 28.51 46.83 72.32 111.42 159.54 86.66 157.80 258.00 398.64 659.27

East North Central ................................................. 26.11 43.33 72.00 109.62 160.00 72.69 133.17 237.82 391.57 562.22

West North Central ................................................ 26.72 47.80 69.65 104.83 156.72 108.00 190.65 282.73 436.66 639.03

South Atlantic ........................................................ 28.58 50.00 76.66 110.84 164.38 127.82 191.61 308.59 489.44 673.20

East South Central ................................................ 20.67 47.02 78.64 118.98 183.94 132.49 206.47 330.69 517.00 617.71

West South Central ............................................... 26.00 47.47 73.80 114.92 166.30 152.57 237.00 360.00 547.56 733.15

Mountain ................................................................ 20.39 41.77 82.02 120.00 164.47 99.02 190.23 305.45 466.38 705.01

Pacific .................................................................... 17.32 40.00 70.22 107.44 152.16 86.66 158.59 273.51 461.05 697.61

1 Includes workers in the private nonfarm economy except those in private households,

and workers in the public sector, except the federal government. See Technical Note for

further explanation. 2 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each

published series. For example, at the 50th percentile or median, half of participating

workers pay the same as or more than the premium shown, and half pay the same as or

less than the premium shown. At the 25th percentile, one-fourth of participating workers

pay the same or less than the premium shown. The remaining percentiles follow the same

logic.

NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 15. Standard errors for medical care benefits: Employee contributions for single and family coverage, civilian

workers,1 National Compensation Survey, March 2009

Characteristics

Single coverage2 Family coverage2

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. $0.82 $0.79 $0.96 $1.91 $2.19 $2.03 $2.53 $4.22 $7.81 $8.13

Worker characteristics

Management, professional, and related ................ 1.51 1.20 1.48 2.64 3.37 1.74 3.26 4.52 8.15 14.37

Management, business, and financial ............... 2.27 2.13 2.29 3.04 2.63 1.26 5.18 7.99 15.65 19.79

Professional and related .................................... 0.91 1.15 1.68 3.36 4.80 4.47 2.76 6.20 8.62 25.42

Teachers ........................................................ 2.05 1.64 2.78 6.31 9.87 9.68 14.30 30.64 9.87 31.36

Primary, secondary, and special education

school teachers ........................................ 2.16 2.58 3.40 6.07 8.46 6.84 16.88 18.26 17.71 48.12

Registered nurses ......................................... 4.09 1.72 4.22 9.54 30.80 11.20 14.52 11.60 28.33 70.65

Service ................................................................... 2.95 2.66 2.57 8.15 5.10 11.08 10.01 7.21 18.31 18.56

Protective service .............................................. 3.30 6.98 6.44 8.91 6.85 8.54 20.52 20.86 19.42 49.57

Sales and office ..................................................... 1.21 0.42 1.58 2.88 4.83 5.97 4.21 6.05 9.01 14.86

Sales and related ............................................... 1.91 2.57 3.07 5.62 6.93 11.54 8.90 5.91 12.06 21.51

Office and administrative support ...................... 1.19 1.47 0.87 2.19 5.07 6.88 4.21 6.01 13.09 19.67

Natural resources, construction, and maintenance 2.41 1.04 1.81 5.24 11.84 6.46 6.97 8.61 9.90 28.62

Construction, extraction, farming, fishing, and

forestry ............................................................. 7.15 3.21 4.03 8.38 31.63 19.89 11.65 13.95 27.69 34.74

Installation, maintenance, and repair ................. 2.94 1.99 1.79 5.88 10.46 7.62 7.24 9.32 25.01 25.56

Production, transportation, and material moving ... 2.24 1.57 1.66 2.30 2.59 5.37 5.63 5.63 11.00 22.22

Production ......................................................... 2.68 2.07 2.66 3.31 3.48 5.65 6.07 8.63 16.69 34.26

Transportation and material moving .................. 3.57 2.53 1.69 2.09 10.84 11.74 6.02 8.46 22.27 23.21

Full time ................................................................. 0.86 0.87 0.97 1.62 2.37 1.26 2.77 3.92 7.02 6.64

Part time ................................................................ 2.05 2.38 4.24 12.46 18.14 7.70 15.21 18.03 30.36 25.36

Union ..................................................................... 0.64 1.66 1.66 2.33 6.00 4.14 6.60 5.44 13.49 39.18

Nonunion ............................................................... 1.48 1.15 1.44 2.01 2.86 3.49 3.72 4.52 6.06 8.41

Establishment characteristics

Goods-producing industries ................................... 1.74 1.37 2.36 2.28 5.72 6.89 6.98 4.51 14.24 17.03

Service-providing industries .................................. 1.22 1.04 0.91 1.98 2.85 1.46 3.56 4.35 6.99 11.38

Education and health services ........................... 1.61 1.48 1.90 2.56 4.89 1.81 7.77 9.84 10.56 22.85

Educational services ...................................... 1.05 2.92 1.36 3.48 8.25 7.85 11.45 23.05 18.52 35.37

Elementary and secondary schools ........... 1.27 3.00 3.17 6.00 9.50 5.53 12.75 17.57 19.27 58.24

Junior colleges, colleges, and universities 4.71 7.45 7.43 4.78 12.31 43.09 20.11 25.35 42.99 16.81

Health care and social assistance ................. 2.87 1.88 2.72 3.87 8.97 9.33 9.58 13.34 22.57 34.65

Hospitals .................................................... 3.12 1.51 4.23 3.97 11.12 7.83 14.71 10.61 11.68 33.45

Public administration ......................................... 1.10 3.16 1.36 4.00 7.21 4.59 5.17 12.54 13.36 18.16

1 to 99 workers ...................................................... 1.29 1.61 2.11 3.01 3.72 7.88 5.93 6.78 8.74 21.98

1 to 49 workers .................................................. 1.58 1.85 1.80 5.17 8.24 9.22 6.17 11.13 11.57 17.88

50 to 99 workers ................................................ 3.75 1.85 2.36 4.87 5.28 16.44 6.90 9.61 16.39 15.91

100 workers or more .............................................. 0.93 0.62 1.23 1.53 1.93 3.02 3.25 5.33 9.26 8.76

100 to 499 workers ............................................ 2.29 1.85 1.91 2.16 5.01 0.86 5.62 5.00 14.55 20.06

500 workers or more .......................................... 1.17 1.22 1.38 2.47 3.43 4.72 3.54 5.94 13.49 13.71

See footnotes at end of table.
Table 15. Standard errors for medical care benefits: Employee contributions for single and family coverage, civilian

workers,1 National Compensation Survey, March 2009—Continued

Characteristics

Single coverage2 Family coverage2

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic areas

New England ......................................................... $2.94 $5.28 $0.50 $2.84 $6.01 $12.93 $5.19 $12.87 $21.50 $28.34

Middle Atlantic ....................................................... 2.44 2.62 2.07 5.49 6.84 8.09 6.45 13.16 13.85 20.16

East North Central ................................................. 3.49 1.33 2.33 3.76 3.43 2.56 8.14 10.17 12.36 8.71

West North Central ................................................ 4.88 2.86 4.55 2.39 7.29 10.96 8.75 6.88 35.37 83.96

South Atlantic ........................................................ 2.29 0.69 1.94 3.27 6.26 8.50 7.92 9.16 1.13 18.68

East South Central ................................................ 3.39 5.23 2.91 7.97 6.98 15.51 20.15 34.71 9.02 23.01

West South Central ............................................... 2.49 3.54 3.66 4.13 9.14 12.60 17.09 15.75 29.97 24.37

Mountain ................................................................ 2.13 6.68 4.66 9.73 21.07 4.76 19.16 12.94 18.35 49.25

Pacific .................................................................... 1.18 2.31 1.89 4.28 4.50 4.12 9.09 9.36 20.97 36.51

1 Includes workers in the private nonfarm economy except those in private households,

and workers in the public sector, except the federal government. See Technical Note for

further explanation. 2 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each

published series. For example, at the 50th percentile or median, half of participating

workers pay the same as or more than the premium shown, and half pay the same as or

less than the premium shown. At the 25th percentile, one-fourth of participating workers

pay the same or less than the premium shown. The remaining percentiles follow the same

logic.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,

March 2009

(All workers = 100 percent)

Characteristics

Life insurance Short-term disabilty Long-term disability

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

All workers ............................................................. 62 60 96 37 36 97 33 32 96

Worker characteristics

Management, professional, and related ................ 78 76 98 43 42 98 52 50 96

Management, business, and financial ............... 85 84 99 56 54 98 60 58 96

Professional and related .................................... 75 73 98 38 37 98 49 46 96

Teachers ........................................................ 74 72 98 21 21 97 40 39 97

Primary, secondary, and special education

school teachers ........................................ 78 77 98 17 17 95 40 39 98

Registered nurses ......................................... 69 67 97 35 35 99 47 45 96

Service ................................................................... 42 39 93 23 21 94 15 14 93

Protective service .............................................. 72 70 97 26 25 96 22 21 95

Sales and office ..................................................... 61 58 96 36 35 97 33 31 96

Sales and related ............................................... 48 45 92 30 29 96 20 18 93

Office and administrative support ...................... 68 66 97 40 39 98 41 39 97

Natural resources, construction, and maintenance 60 57 96 36 35 97 25 24 97

Construction, extraction, farming, fishing, and

forestry ............................................................. 51 49 95 29 28 97 16 16 98

Installation, maintenance, and repair ................. 69 67 97 45 43 97 34 33 96

Production, transportation, and material moving ... 66 64 96 47 46 98 28 27 96

Production ......................................................... 72 70 97 55 54 98 31 30 96

Transportation and material moving .................. 61 58 96 39 38 97 24 23 95

Full time ................................................................. 76 73 97 44 42 97 41 39 96

Part time ................................................................ 16 15 90 14 14 96 7 7 93

Union ..................................................................... 83 81 98 47 46 98 35 34 97

Nonunion ............................................................... 59 56 96 35 34 97 33 31 95

Wage percentiles:3

Lowest 10 percent ............................................. 17 15 87 13 12 89 5 5 95

Lowest 25 percent ............................................. 32 29 90 19 17 93 10 9 93

Second 25 percent ............................................ 66 63 96 37 36 97 30 29 95

Third 25 percent ................................................ 74 72 97 44 43 98 40 39 96

Highest 25 percent ............................................ 82 81 98 50 49 98 55 52 96

Highest 10 percent ............................................ 84 83 98 52 51 98 57 55 96

Establishment characteristics

Goods-producing industries ................................... 71 69 97 52 51 98 33 32 96

Service-providing industries .................................. 61 58 96 34 33 97 33 32 96

Education and health services ........................... 70 68 97 27 27 97 38 36 95

Educational services ...................................... 77 75 98 22 22 96 40 39 96

Elementary and secondary schools ........... 76 75 98 19 18 96 36 35 97

Junior colleges, colleges, and universities 84 80 96 29 28 97 52 49 95

Health care and social assistance ................. 65 62 96 31 31 98 36 34 95

Hospitals .................................................... 86 84 98 43 42 98 58 55 96

Public administration ......................................... 82 80 98 28 27 99 31 30 95

See footnotes at end of table.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,

March 2009—Continued

(All workers = 100 percent)

Characteristics

Life insurance Short-term disabilty Long-term disability

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

1 to 99 workers ...................................................... 44 42 95 27 26 97 21 20 95

1 to 49 workers .................................................. 39 37 94 24 23 96 18 18 95

50 to 99 workers ................................................ 57 54 96 34 33 97 29 27 96

100 workers or more .............................................. 78 76 97 46 44 97 44 42 96

100 to 499 workers ............................................ 71 68 96 43 41 97 36 34 96

500 workers or more .......................................... 85 83 98 48 47 97 51 49 96

Geographic areas

New England ......................................................... 60 58 97 36 35 97 33 31 95

Middle Atlantic ....................................................... 60 59 98 68 68 100 29 29 97

East North Central ................................................. 66 64 96 40 38 97 38 36 95

West North Central ................................................ 63 61 97 29 28 98 35 34 96

South Atlantic ........................................................ 66 63 96 33 31 95 35 34 95

East South Central ................................................ 67 64 95 32 30 93 33 32 97

West South Central ............................................... 61 57 93 26 24 96 31 29 96

Mountain ................................................................ 61 57 95 26 25 98 33 32 95

Pacific .................................................................... 57 55 96 29 28 97 30 28 96

1 The take-up rate is an estimate of the percentage of workers with access to a plan

who participate in the plan, rounded for presentation. See Technical Note for more details. 2 Includes workers in the private nonfarm economy except those in private households,

and workers in the public sector, except the federal government. See Technical Note for

further explanation. 3 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 16. Standard errors for insurance benefits: Access, participation, and take-up rates,1 civilian workers,2 National

Compensation Survey, March 2009

Characteristics

Life insurance Short-term disabilty Long-term disability

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

All workers ............................................................. 0.6 0.6 0.2 0.7 0.7 0.3 0.6 0.6 0.3

Worker characteristics

Management, professional, and related ................ 0.8 0.7 0.2 0.9 0.9 0.4 0.8 0.8 0.4

Management, business, and financial ............... 1.0 1.0 0.2 1.6 1.6 0.5 1.2 1.2 0.5

Professional and related .................................... 0.9 0.9 0.3 1.0 1.0 0.5 1.1 1.0 0.4

Teachers ........................................................ 1.3 1.2 0.3 1.3 1.2 2.4 1.9 1.8 0.8

Primary, secondary, and special education

school teachers ........................................ 1.7 1.7 0.2 1.5 1.2 4.1 2.3 2.3 0.8

Registered nurses ......................................... 2.3 2.3 0.6 2.2 2.2 0.4 2.3 2.3 0.8

Service ................................................................... 1.8 1.8 0.8 1.7 1.5 1.3 1.5 1.5 1.3

Protective service .............................................. 2.5 2.5 0.8 2.6 2.4 1.5 1.9 1.8 1.3

Sales and office ..................................................... 0.8 0.8 0.3 0.8 0.8 0.3 0.7 0.7 0.3

Sales and related ............................................... 1.1 1.1 0.7 1.3 1.3 0.7 0.9 0.9 1.0

Office and administrative support ...................... 1.1 1.0 0.3 0.9 0.9 0.3 1.0 1.0 0.3

Natural resources, construction, and maintenance 1.4 1.4 0.5 1.4 1.3 0.6 1.4 1.3 0.7

Construction, extraction, farming, fishing, and

forestry ............................................................. 1.9 1.8 0.9 1.7 1.7 0.9 1.3 1.2 0.6

Installation, maintenance, and repair ................. 1.9 1.8 0.7 1.7 1.7 0.7 2.2 2.2 1.0

Production, transportation, and material moving ... 1.2 1.1 0.3 1.2 1.1 0.4 1.0 0.9 0.5

Production ......................................................... 1.5 1.5 0.4 1.8 1.7 0.5 1.6 1.5 0.6

Transportation and material moving .................. 1.6 1.6 0.5 1.3 1.3 0.6 1.1 1.0 0.9

Full time ................................................................. 0.5 0.5 0.2 0.7 0.7 0.3 0.7 0.7 0.3

Part time ................................................................ 0.7 0.7 0.9 1.3 1.3 0.8 0.6 0.6 1.2

Union ..................................................................... 1.0 1.1 0.3 1.2 1.2 0.8 1.2 1.2 0.5

Nonunion ............................................................... 0.7 0.7 0.2 0.7 0.7 0.3 0.6 0.6 0.3

Wage percentiles:3

Lowest 10 percent ............................................. 2.5 2.5 2.6 2.3 1.9 2.9 2.1 2.1 3.0

Lowest 25 percent ............................................. 1.4 1.3 0.8 1.3 1.1 1.1 1.1 1.1 1.5

Second 25 percent ............................................ 1.0 1.0 0.3 1.0 1.0 0.3 0.9 0.9 0.4

Third 25 percent ................................................ 0.8 0.8 0.2 0.8 0.8 0.2 1.0 1.0 0.3

Highest 25 percent ............................................ 0.7 0.7 0.2 0.9 0.9 0.4 0.8 0.8 0.4

Highest 10 percent ............................................ 1.0 1.0 0.3 1.4 1.4 0.4 1.3 1.3 0.5

Establishment characteristics

Goods-producing industries ................................... 0.9 0.9 0.3 1.2 1.2 0.3 1.3 1.2 0.5

Service-providing industries .................................. 0.7 0.7 0.2 0.8 0.7 0.4 0.6 0.6 0.3

Education and health services ........................... 1.0 1.0 0.5 1.1 1.0 0.8 1.2 1.2 0.5

Educational services ...................................... 1.0 1.0 0.5 1.3 1.1 2.2 1.7 1.6 0.8

Elementary and secondary schools ........... 1.2 1.2 0.2 1.5 1.2 3.8 1.9 1.9 1.1

Junior colleges, colleges, and universities 1.3 1.4 1.5 2.3 2.3 0.8 3.6 3.4 0.9

Health care and social assistance ................. 1.5 1.5 0.8 1.7 1.6 0.5 1.6 1.6 0.7

Hospitals .................................................... 1.0 1.1 0.4 2.0 1.9 0.6 2.2 2.1 0.5

Public administration ......................................... 1.9 1.8 0.5 1.8 1.7 0.5 1.8 1.8 0.9

See footnotes at end of table.
Table 16. Standard errors for insurance benefits: Access, participation, and take-up rates,1 civilian workers,2 National

Compensation Survey, March 2009—Continued

Characteristics

Life insurance Short-term disabilty Long-term disability

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

1 to 99 workers ...................................................... 0.9 0.9 0.4 0.9 0.9 0.5 0.8 0.8 0.5

1 to 49 workers .................................................. 1.0 1.0 0.5 0.8 0.7 0.6 0.8 0.8 0.5

50 to 99 workers ................................................ 1.6 1.6 0.5 2.0 2.0 0.9 2.0 2.0 1.1

100 workers or more .............................................. 0.6 0.6 0.2 0.9 0.9 0.4 0.9 0.9 0.3

100 to 499 workers ............................................ 1.0 1.0 0.4 1.4 1.3 0.3 1.2 1.1 0.5

500 workers or more .......................................... 0.7 0.7 0.3 1.1 1.0 0.6 1.1 1.2 0.4

Geographic areas

New England ......................................................... 1.4 1.2 0.5 1.7 1.9 1.4 1.8 1.8 0.6

Middle Atlantic ....................................................... 1.4 1.4 0.2 2.6 2.6 0.0 1.4 1.4 0.5

East North Central ................................................. 1.2 1.2 0.5 1.1 1.1 0.7 1.4 1.4 0.7

West North Central ................................................ 1.7 1.9 0.6 2.0 1.9 0.9 3.3 3.2 0.6

South Atlantic ........................................................ 1.4 1.4 0.4 1.9 1.8 1.2 1.5 1.5 0.8

East South Central ................................................ 6.0 5.9 1.2 5.5 4.9 1.4 5.3 5.4 1.1

West South Central ............................................... 1.4 1.2 0.8 1.5 1.5 1.3 1.7 1.7 0.6

Mountain ................................................................ 2.3 3.1 1.7 2.3 2.1 0.9 2.1 2.0 1.2

Pacific .................................................................... 1.6 1.5 0.4 1.4 1.4 0.6 1.1 1.0 0.6

1 The take-up rate is an estimate of the percentage of workers with access to a plan

who participate in the plan, rounded for presentation. See Technical Note for more details. 2 Includes workers in the private nonfarm economy except those in private households,

and workers in the public sector, except the federal government. See Technical Note for

further explanation.

3 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details.
Table 17. Life insurance plans: Employee contribution

requirement, civilian workers,1 National Compensation Survey,

March 2009

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

Characteristics

Employee

contribution not

required

Employee

contribution

required

All workers ............................................................. 94 6

Worker characteristics

Management, professional, and related ................ 94 6

Management, business, and financial ............... 95 5

Professional and related .................................... 94 6

Teachers ........................................................ 91 9

Primary, secondary, and special education

school teachers ........................................ 91 9

Registered nurses ......................................... 96 4

Service ................................................................... 91 9

Protective service .............................................. 92 8

Sales and office ..................................................... 94 6

Sales and related ............................................... 93 7

Office and administrative support ...................... 95 5

Natural resources, construction, and maintenance 91 9

Construction, extraction, farming, fishing, and

forestry ............................................................. 89 11

Installation, maintenance, and repair ................. 93 7

Production, transportation, and material moving ... 94 6

Production ......................................................... 94 6

Transportation and material moving .................. 95 5

Full time ................................................................. 94 6

Part time ................................................................ 96 4

Union ..................................................................... 94 6

Nonunion ............................................................... 94 6

Wage percentiles:2

Lowest 10 percent ............................................. 89 11

Lowest 25 percent ............................................. 91 9

Second 25 percent ............................................ 93 7

Third 25 percent ................................................ 94 6

Highest 25 percent ............................................ 95 5

Highest 10 percent ............................................ 94 6

Establishment characteristics

Goods-producing industries ................................... 93 7

Service-providing industries .................................. 94 6

Education and health services ........................... 94 6

Educational services ...................................... 91 9

Elementary and secondary schools ........... 91 9

Health care and social assistance ................. 96 4

Hospitals .................................................... 97 3

Public administration ......................................... 89 11

See footnotes at end of table.
Table 17. Life insurance plans: Employee contribution

requirement, civilian workers,1 National Compensation Survey,

March 2009—Continued

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

Characteristics

Employee

contribution not

required

Employee

contribution

required

1 to 99 workers ...................................................... 94 6

1 to 49 workers .................................................. 93 7

50 to 99 workers ................................................ 95 5

100 workers or more .............................................. 94 6

100 to 499 workers ............................................ 94 6

500 workers or more .......................................... 94 6

Geographic areas

New England ......................................................... 91 9

Middle Atlantic ....................................................... 97 3

East North Central ................................................. 93 7

West North Central ................................................ 96 4

South Atlantic ........................................................ 93 7

East South Central ................................................ 83 17

West South Central ............................................... 93 7

Mountain ................................................................ 94 6

Pacific .................................................................... 96 4

1 Includes workers in the private nonfarm

economy except those in private households,

and workers in the public sector, except the

federal government. See Technical Note for

further explanation. 2 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and

below the threshold. The percentile values are

based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: Because of rounding, sums of individual

items may not equal totals. Dash indicates no

workers in this category or data did not meet

publication criteria. For definitions of major

plans, key provisions, and related terms, see

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 17. Standard errors for life insurance plans: Employee

contribution requirement, civilian workers,1 National

Compensation Survey, March 2009

Characteristics

Employee

contribution not

required

Employee

contribution

required

All workers ............................................................. 0.4 0.4

Worker characteristics

Management, professional, and related ................ 0.6 0.6

Management, business, and financial ............... 0.6 0.6

Professional and related .................................... 0.6 0.6

Teachers ........................................................ 1.2 1.2

Primary, secondary, and special education

school teachers ........................................ 1.0 1.0

Registered nurses ......................................... 0.9 0.9

Service ................................................................... 1.2 1.2

Protective service .............................................. 1.4 1.4

Sales and office ..................................................... 0.6 0.6

Sales and related ............................................... 0.8 0.8

Office and administrative support ...................... 0.6 0.6

Natural resources, construction, and maintenance 0.9 0.9

Construction, extraction, farming, fishing, and

forestry ............................................................. 1.6 1.6

Installation, maintenance, and repair ................. 0.9 0.9

Production, transportation, and material moving ... 0.6 0.6

Production ......................................................... 0.9 0.9

Transportation and material moving .................. 0.7 0.7

Full time ................................................................. 0.4 0.4

Part time ................................................................ 0.7 0.7

Union ..................................................................... 0.5 0.5

Nonunion ............................................................... 0.5 0.5

Wage percentiles:2

Lowest 10 percent ............................................. 3.2 3.2

Lowest 25 percent ............................................. 1.2 1.2

Second 25 percent ............................................ 0.5 0.5

Third 25 percent ................................................ 0.5 0.5

Highest 25 percent ............................................ 0.4 0.4

Highest 10 percent ............................................ 0.5 0.5

Establishment characteristics

Goods-producing industries ................................... 0.7 0.7

Service-providing industries .................................. 0.5 0.5

Education and health services ........................... 1.0 1.0

Educational services ...................................... 1.8 1.8

Elementary and secondary schools ........... 1.4 1.4

Health care and social assistance ................. 0.7 0.7

Hospitals .................................................... 0.8 0.8

Public administration ......................................... 1.6 1.6

See footnotes at end of table.
Table 17. Standard errors for life insurance plans: Employee

contribution requirement, civilian workers,1 National

Compensation Survey, March 2009—Continued

Characteristics

Employee

contribution not

required

Employee

contribution

required

1 to 99 workers ...................................................... 0.6 0.6

1 to 49 workers .................................................. 0.7 0.7

50 to 99 workers ................................................ 0.9 0.9

100 workers or more .............................................. 0.6 0.6

100 to 499 workers ............................................ 0.6 0.6

500 workers or more .......................................... 0.9 0.9

Geographic areas

New England ......................................................... 1.7 1.7

Middle Atlantic ....................................................... 0.3 0.3

East North Central ................................................. 0.8 0.8

West North Central ................................................ 0.7 0.7

South Atlantic ........................................................ 0.9 0.9

East South Central ................................................ 4.3 4.3

West South Central ............................................... 0.8 0.8

Mountain ................................................................ 1.9 1.9

Pacific .................................................................... 0.5 0.5

1 Includes workers in the private nonfarm

economy except those in private households,

and workers in the public sector, except the

federal government. See Technical Note for

further explanation. 2 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and

below the threshold. The percentile values are

based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: Dash indicates no workers in this

category or data did not meet publication

criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 18. Life insurance plans: Method of benefit payment, civilian workers,1 National

Compensation Survey, March 2009

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

Characteristics

Basic life insurance method of payment

Fixed

multiple of

earnings

Variable

multiple of

earnings

Flat dollar

amount

Variable

dollar

amount

Other

All workers ............................................................. 54 2 40 3 1

Worker characteristics

Management, professional, and related ................ 60 3 33 2 1

Management, business, and financial ............... 67 4 26 2 2

Professional and related .................................... 57 3 36 3 1

Teachers ........................................................ 37 2 55 5 1

Primary, secondary, and special education

school teachers ........................................ 32 1 61 5 1

Registered nurses ......................................... 66 2 30 2 –

Service ................................................................... 46 1 47 5 1

Protective service .............................................. 36 2 55 5 2

Sales and office ..................................................... 62 2 33 2 1

Sales and related ............................................... 61 1 36 1 1

Office and administrative support ...................... 62 2 32 2 1

Natural resources, construction, and maintenance 36 1 57 4 1

Construction, extraction, farming, fishing, and

forestry ............................................................. 21 – 72 4 –

Installation, maintenance, and repair ................. 49 1 45 4 1

Production, transportation, and material moving ... 43 1 49 5 1

Production ......................................................... 42 1 50 5 1

Transportation and material moving .................. 45 – 48 5 2

Full time ................................................................. 54 2 39 3 1

Part time ................................................................ 47 1 48 2 2

Union ..................................................................... 36 1 55 8 1

Nonunion ............................................................... 59 2 35 2 1

Wage percentiles:2

Lowest 10 percent ............................................. 45 – 46 8 –

Lowest 25 percent ............................................. 48 1 47 4 3 ( )

Second 25 percent ............................................ 51 2 43 3 1

Third 25 percent ................................................ 53 2 41 3 1

Highest 25 percent ............................................ 58 3 33 3 2

Highest 10 percent ............................................ 60 4 33 2 2

Establishment characteristics

Goods-producing industries ................................... 43 2 50 4 1

Service-providing industries .................................. 56 2 37 3 1

Education and health services ........................... 50 2 43 4 1

Educational services ...................................... 39 2 53 5 1

Elementary and secondary schools ........... 31 1 62 5 1

Junior colleges, colleges, and universities 55 5 33 4 3

Health care and social assistance ................. 61 2 34 3 1

Hospitals .................................................... 76 3 18 2 –

Public administration ......................................... 39 3 49 7 2

See footnotes at end of table.
Table 18. Life insurance plans: Method of benefit payment, civilian workers,1 National

Compensation Survey, March 2009—Continued

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

Characteristics

Basic life insurance method of payment

Fixed

multiple of

earnings

Variable

multiple of

earnings

Flat dollar

amount

Variable

dollar

amount

Other

1 to 99 workers ...................................................... 44 1 51 2 1

1 to 49 workers .................................................. 44 1 51 2 1

50 to 99 workers ................................................ 45 1 52 2 –

100 workers or more .............................................. 58 3 34 4 1

100 to 499 workers ............................................ 58 2 37 2 1

500 workers or more .......................................... 59 3 32 5 1

Geographic areas

New England ......................................................... 60 4 32 3 –

Middle Atlantic ....................................................... 57 2 35 5 1

East North Central ................................................. 50 2 43 4 3 ( )

West North Central ................................................ 52 3 43 2 1

South Atlantic ........................................................ 61 2 32 3 2

East South Central ................................................ 55 – 36 5 –

West South Central ............................................... 53 2 42 1 2

Mountain ................................................................ 49 2 47 – –

Pacific .................................................................... 47 2 47 2 1

1 Includes workers in the private nonfarm economy except

those in private households, and workers in the public sector,

except the federal government. See Technical Note for further

explanation. 2 The percentile groupings are based on the average wage

for each occupation surveyed, which may include workers both

above and below the threshold. The percentile values are

based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details. 3 Less than 0.5 percent.

NOTE: Because of rounding, sums of individual items may not

equal totals. Dash indicates no workers in this category or data

did not meet publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 18. Standard errors for life insurance plans: Method of benefit payment, civilian

workers,1 National Compensation Survey, March 2009

Characteristics

Basic life insurance method of payment

Fixed

multiple of

earnings

Variable

multiple of

earnings

Flat dollar

amount

Variable

dollar

amount

Other

All workers ............................................................. 0.7 0.2 0.8 0.3 0.1

Worker characteristics

Management, professional, and related ................ 1.0 0.4 1.0 0.3 0.2

Management, business, and financial ............... 1.1 0.6 1.1 0.3 0.3

Professional and related .................................... 1.3 0.4 1.3 0.3 0.2

Teachers ........................................................ 2.1 0.6 2.1 0.9 0.2

Primary, secondary, and special education

school teachers ........................................ 2.4 0.3 2.4 1.1 0.2

Registered nurses ......................................... 3.3 0.7 3.1 0.4 –

Service ................................................................... 2.4 0.3 2.6 0.8 0.2

Protective service .............................................. 3.1 0.6 3.3 1.2 0.6

Sales and office ..................................................... 0.9 0.3 0.9 0.3 0.2

Sales and related ............................................... 1.5 0.3 1.6 0.4 0.3

Office and administrative support ...................... 1.1 0.4 1.1 0.3 0.2

Natural resources, construction, and maintenance 1.8 0.3 1.7 0.6 0.5

Construction, extraction, farming, fishing, and

forestry ............................................................. 1.9 – 1.7 0.9 –

Installation, maintenance, and repair ................. 2.3 0.3 2.4 0.8 0.2

Production, transportation, and material moving ... 1.5 0.3 1.5 0.6 0.3

Production ......................................................... 2.1 0.2 2.1 0.7 0.5

Transportation and material moving .................. 1.7 – 2.0 0.8 0.5

Full time ................................................................. 0.8 0.2 0.8 0.3 0.1

Part time ................................................................ 2.0 0.3 2.0 0.5 0.7

Union ..................................................................... 1.3 0.3 1.2 0.5 0.2

Nonunion ............................................................... 0.8 0.3 0.8 0.3 0.1

Wage percentiles:2

Lowest 10 percent ............................................. 5.6 – 6.4 2.0 –

Lowest 25 percent ............................................. 1.9 0.2 2.2 0.7 3 ( )

Second 25 percent ............................................ 1.2 0.3 1.2 0.3 0.1

Third 25 percent ................................................ 1.0 0.2 0.9 0.3 0.2

Highest 25 percent ............................................ 0.9 0.4 0.9 0.3 0.2

Highest 10 percent ............................................ 1.3 0.6 1.4 0.2 0.3

Establishment characteristics

Goods-producing industries ................................... 1.4 0.4 1.4 0.5 0.4

Service-providing industries .................................. 0.8 0.2 0.8 0.3 0.1

Education and health services ........................... 1.5 0.5 1.4 0.6 0.2

Educational services ...................................... 2.2 0.6 2.2 0.9 0.2

Elementary and secondary schools ........... 2.3 0.3 2.3 1.2 0.2

Junior colleges, colleges, and universities 4.1 1.9 3.9 0.9 0.6

Health care and social assistance ................. 1.9 0.8 1.7 0.8 0.3

Hospitals .................................................... 2.0 1.0 1.9 0.5 –

Public administration ......................................... 2.8 0.6 2.7 0.8 0.6

See footnotes at end of table.
Table 18. Standard errors for life insurance plans: Method of benefit payment, civilian

workers,1 National Compensation Survey, March 2009—Continued

Characteristics

Basic life insurance method of payment

Fixed

multiple of

earnings

Variable

multiple of

earnings

Flat dollar

amount

Variable

dollar

amount

Other

1 to 99 workers ...................................................... 1.4 0.2 1.5 0.3 0.2

1 to 49 workers .................................................. 1.8 0.3 1.8 0.4 0.3

50 to 99 workers ................................................ 1.8 0.3 2.0 0.5 –

100 workers or more .............................................. 0.9 0.3 0.9 0.4 0.2

100 to 499 workers ............................................ 1.4 0.3 1.4 0.5 0.2

500 workers or more .......................................... 1.2 0.4 1.2 0.5 0.2

Geographic areas

New England ......................................................... 2.1 1.1 2.9 1.0 –

Middle Atlantic ....................................................... 2.0 0.6 2.5 0.6 0.4

East North Central ................................................. 1.2 0.4 1.4 0.5 3 ( )

West North Central ................................................ 2.6 0.6 2.3 0.6 0.2

South Atlantic ........................................................ 1.9 0.3 1.8 0.7 0.3

East South Central ................................................ 5.1 – 5.5 1.5 –

West South Central ............................................... 1.9 0.6 1.4 0.5 0.4

Mountain ................................................................ 2.8 0.3 3.0 – –

Pacific .................................................................... 1.8 0.8 1.6 0.7 0.2

1 Includes workers in the private nonfarm economy except

those in private households, and workers in the public sector,

except the federal government. See Technical Note for further

explanation. 2 The percentile groupings are based on the average wage

for each occupation surveyed, which may include workers both

above and below the threshold. The percentile values are

based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details. 3 Less than 0.05.

NOTE: Dash indicates no workers in this category or data did

not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 19. Life insurance plans: Fixed multiple of earnings benefit formulas, civilian workers,1 National

Compensation Survey, March 2009

(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)

Characteristics

Multiple of earnings amounts2

Mean

multiple of

earnings

Median

multiple of

earnings

Less than

1.0 times

earnings

1.0 times

earnings

Over 1.0

and under

2.0 times

earnings

2.0 times

earnings

Greater

than 2.0

times

earnings

All workers ............................................................. 1 58 14 24 4 1.4 1.0

Worker characteristics

Management, professional, and related ................ 1 53 14 27 5 1.4 1.0

Management, business, and financial ............... 1 51 14 29 6 1.4 1.0

Professional and related .................................... 1 54 14 26 4 1.4 1.0

Teachers ........................................................ 3 ( ) 46 23 28 4 1.5 1.5

Primary, secondary, and special education

school teachers ........................................ – 47 25 27 2 1.4 1.5

Registered nurses ......................................... – 70 12 14 – 1.2 1.0

Service ................................................................... 1 60 18 18 3 1.3 1.0

Protective service .............................................. – 53 17 21 9 1.5 1.0

Sales and office ..................................................... 1 63 11 22 4 1.3 1.0

Sales and related ............................................... 1 72 8 17 3 1.2 1.0

Office and administrative support ...................... 1 60 12 24 4 1.4 1.0

Natural resources, construction, and maintenance 1 62 11 24 2 1.3 1.0

Construction, extraction, farming, fishing, and

forestry ............................................................. – 54 11 33 – 1.4 1.0

Installation, maintenance, and repair ................. 2 65 11 21 2 1.3 1.0

Production, transportation, and material moving ... 1 57 16 24 2 1.3 1.0

Production ......................................................... – 52 16 30 2 1.4 1.0

Transportation and material moving .................. 1 63 17 18 2 1.3 1.0

Full time ................................................................. 1 58 14 24 4 1.4 1.0

Part time ................................................................ 1 67 11 17 4 1.3 1.0

Union ..................................................................... 1 60 17 17 4 1.3 1.0

Nonunion ............................................................... 1 58 13 25 4 1.4 1.0

Wage percentiles:4

Lowest 10 percent ............................................. – 59 22 – – 1.3 1.0

Lowest 25 percent ............................................. – 68 14 16 2 1.3 1.0

Second 25 percent ............................................ 1 62 14 21 2 1.3 1.0

Third 25 percent ................................................ 1 56 15 24 4 1.4 1.0

Highest 25 percent ............................................ 1 54 12 28 5 1.4 1.0

Highest 10 percent ............................................ 1 48 13 31 6 1.5 –

Establishment characteristics

Goods-producing industries ................................... 1 49 14 30 6 1.5 –

Service-providing industries .................................. 1 59 14 23 3 1.4 1.0

Education and health services ........................... 2 60 16 20 3 1.3 1.0

Educational services ...................................... 1 45 21 29 4 1.5 1.5

Elementary and secondary schools ........... – 43 25 31 2 1.5 1.5

Junior colleges, colleges, and universities – 46 15 28 – 1.5 –

Health care and social assistance ................. 2 68 13 15 – 1.2 1.0

Hospitals .................................................... – 73 10 12 – 1.2 1.0

Public administration ......................................... – 53 24 17 6 1.4 1.0

See footnotes at end of table.
Table 19. Life insurance plans: Fixed multiple of earnings benefit formulas, civilian workers,1 National

Compensation Survey, March 2009—Continued

(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)

Characteristics

Multiple of earnings amounts2

Mean

multiple of

earnings

Median

multiple of

earnings

Less than

1.0 times

earnings

1.0 times

earnings

Over 1.0

and under

2.0 times

earnings

2.0 times

earnings

Greater

than 2.0

times

earnings

1 to 99 workers ...................................................... 1 58 13 24 4 1.4 1.0

1 to 49 workers .................................................. 1 57 13 25 5 1.4 1.0

50 to 99 workers ................................................ 1 60 14 23 3 1.3 1.0

100 workers or more .............................................. 1 58 14 24 3 1.4 1.0

100 to 499 workers ............................................ – 60 14 22 3 1.3 1.0

500 workers or more .......................................... 1 56 14 25 4 1.4 1.0

Geographic areas

New England ......................................................... 3 66 7 20 3 1.3 1.0

Middle Atlantic ....................................................... 3 55 19 19 4 1.4 1.0

East North Central ................................................. – 56 14 25 4 1.4 1.0

West North Central ................................................ – 57 15 20 – 1.4 1.0

South Atlantic ........................................................ 3 ( ) 60 13 25 2 1.4 1.0

East South Central ................................................ – 52 17 – – 1.4 –

West South Central ............................................... – 58 12 28 2 1.4 1.0

Mountain ................................................................ – 65 13 19 2 1.3 1.0

Pacific .................................................................... 1 58 10 26 5 1.4 1.0

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government.

See Technical Note for further explanation. 2 Includes participants in plans in which insurance equaled a multiple of

earnings plus or minus a specified amount. Includes multiple of earnings not

shown separately. 3 Less than 0.5 percent. 4 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals.

Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 19. Standard errors for life insurance plans: Fixed multiple of earnings benefit formulas, civilian

workers,1 National Compensation Survey, March 2009

Characteristics

Multiple of earnings amounts2

Mean

multiple of

earnings

Median

multiple of

earnings

Less than

1.0 times

earnings

1.0 times

earnings

Over 1.0

and under

2.0 times

earnings

2.0 times

earnings

Greater

than 2.0

times

earnings

All workers ............................................................. 0.1 0.9 0.8 0.9 0.4 0.0 0.0

Worker characteristics

Management, professional, and related ................ 0.2 1.3 0.9 1.3 0.7 0.0 0.0

Management, business, and financial ............... 0.1 1.6 1.5 1.6 0.7 0.0 0.1

Professional and related .................................... 0.3 1.7 0.9 1.5 0.9 0.0 0.0

Teachers ........................................................ 3 ( ) 3.8 2.3 3.6 1.6 0.0 0.1

Primary, secondary, and special education

school teachers ........................................ – 4.5 3.1 4.2 0.4 0.0 0.3

Registered nurses ......................................... – 2.9 1.7 2.1 – 0.0 0.0

Service ................................................................... 0.3 2.0 2.4 2.2 0.6 0.0 0.0

Protective service .............................................. – 4.9 3.5 4.3 2.4 0.1 0.3

Sales and office ..................................................... 0.1 1.1 0.7 0.9 0.4 0.0 0.0

Sales and related ............................................... 0.2 2.1 1.0 1.7 0.7 0.0 0.0

Office and administrative support ...................... 0.1 1.3 1.0 1.2 0.4 0.0 0.0

Natural resources, construction, and maintenance 0.5 2.5 1.5 2.2 0.7 0.0 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................. – 5.2 3.0 4.8 – 0.0 0.1

Installation, maintenance, and repair ................. 0.6 2.6 1.7 2.1 0.7 0.0 0.0

Production, transportation, and material moving ... 0.3 1.8 1.4 1.5 0.5 0.0 0.0

Production ......................................................... – 2.7 2.0 2.5 0.7 0.0 0.0

Transportation and material moving .................. 0.4 2.3 1.9 1.5 0.5 0.0 0.0

Full time ................................................................. 0.1 0.9 0.8 0.9 0.4 0.0 0.0

Part time ................................................................ 0.2 3.2 2.1 2.4 1.3 0.0 0.0

Union ..................................................................... 0.2 1.9 1.5 1.6 0.9 0.0 0.0

Nonunion ............................................................... 0.1 1.0 0.8 1.0 0.4 0.0 0.0

Wage percentiles:4

Lowest 10 percent ............................................. – 5.8 4.5 – – 0.1 0.0

Lowest 25 percent ............................................. – 2.3 1.9 2.3 0.4 0.0 0.0

Second 25 percent ............................................ 0.2 1.4 1.1 1.2 0.3 0.0 0.0

Third 25 percent ................................................ 0.3 1.2 1.0 1.1 0.6 0.0 0.0

Highest 25 percent ............................................ 0.1 1.2 0.8 1.2 0.6 0.0 0.0

Highest 10 percent ............................................ 0.2 1.5 1.0 1.5 0.7 0.0 –

Establishment characteristics

Goods-producing industries ................................... 0.3 2.5 1.5 2.3 0.7 0.0 –

Service-providing industries .................................. 0.1 1.0 0.8 1.0 0.4 0.0 0.0

Education and health services ........................... 0.3 2.5 1.7 2.1 1.3 0.0 0.0

Educational services ...................................... 0.3 3.7 2.2 4.2 2.0 0.1 0.2

Elementary and secondary schools ........... – 4.4 3.0 4.3 0.3 0.0 0.1

Junior colleges, colleges, and universities – 5.2 2.5 6.2 – 0.1 –

Health care and social assistance ................. 0.4 2.8 2.2 2.0 – 0.0 0.0

Hospitals .................................................... – 2.7 1.6 1.9 – 0.0 0.0

Public administration ......................................... – 4.3 3.3 2.9 1.9 0.0 0.1

See footnotes at end of table.
Table 19. Standard errors for life insurance plans: Fixed multiple of earnings benefit formulas, civilian

workers,1 National Compensation Survey, March 2009—Continued

Characteristics

Multiple of earnings amounts2

Mean

multiple of

earnings

Median

multiple of

earnings

Less than

1.0 times

earnings

1.0 times

earnings

Over 1.0

and under

2.0 times

earnings

2.0 times

earnings

Greater

than 2.0

times

earnings

1 to 99 workers ...................................................... 0.2 2.2 1.1 1.9 0.5 0.0 0.0

1 to 49 workers .................................................. 0.3 2.6 1.4 2.2 0.7 0.0 0.0

50 to 99 workers ................................................ 0.3 3.5 1.8 3.1 0.6 0.0 0.0

100 workers or more .............................................. 0.1 1.2 1.0 1.1 0.5 0.0 0.0

100 to 499 workers ............................................ – 1.9 1.7 1.1 0.5 0.0 0.0

500 workers or more .......................................... 0.2 1.9 1.1 1.8 0.8 0.0 0.0

Geographic areas

New England ......................................................... 0.6 4.7 1.4 3.7 0.5 0.0 0.0

Middle Atlantic ....................................................... 0.5 1.6 3.1 3.0 0.6 0.0 0.0

East North Central ................................................. – 2.5 1.3 2.0 0.6 0.0 0.0

West North Central ................................................ – 3.9 3.1 3.1 – 0.1 0.0

South Atlantic ........................................................ 3 ( ) 1.9 1.9 1.5 0.6 0.0 0.0

East South Central ................................................ – 6.8 4.2 – – 0.1 –

West South Central ............................................... – 2.3 1.7 1.8 0.5 0.0 0.0

Mountain ................................................................ – 2.5 2.0 2.3 0.9 0.0 0.0

Pacific .................................................................... 0.3 2.3 1.1 2.3 0.8 0.0 0.0

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government.

See Technical Note for further explanation. 2 Includes participants in plans in which insurance equaled a multiple of

earnings plus or minus a specified amount. Includes multiple of earnings not

shown separately. 3 Less than 0.05. 4 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet

publication criteria. For definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 20. Life insurance plans: Flat-dollar amount benefit formulas,1 civilian workers,2

National Compensation Survey, March 2009

(Includes workers participating in life insurance plans with flat-dollar amount formulas)

Characteristics

Flat dollar amounts3

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. $5,000 $10,000 $15,000 $25,000 $50,000

Worker characteristics

Management, professional, and related ................ 5,000 10,000 20,000 47,000 50,000

Management, business, and financial ............... 10,000 10,000 20,000 40,000 50,000

Professional and related .................................... 5,000 10,000 20,000 50,000 50,000

Teachers ........................................................ 7,000 10,000 25,000 50,000 50,000

Primary, secondary, and special education

school teachers ........................................ 10,000 10,000 25,000 50,000 50,000

Registered nurses ......................................... 5,000 10,000 15,000 40,000 50,000

Service ................................................................... 5,000 10,000 10,000 25,000 40,000

Protective service .............................................. 5,000 5,000 10,000 25,000 45,000

Sales and office ..................................................... 5,000 10,000 15,000 25,000 50,000

Sales and related ............................................... 5,000 10,000 15,000 25,000 50,000

Office and administrative support ...................... 10,000 10,000 20,000 25,000 50,000

Natural resources, construction, and maintenance 10,000 10,000 15,000 25,000 50,000

Construction, extraction, farming, fishing, and

forestry ............................................................. 5,000 10,000 15,000 25,000 50,000

Installation, maintenance, and repair ................. 10,000 10,000 15,000 25,000 50,000

Production, transportation, and material moving ... 10,000 10,000 15,000 25,000 50,000

Production ......................................................... 10,000 10,000 20,000 25,000 46,000

Transportation and material moving .................. 5,000 10,000 15,000 25,000 50,000

Full time ................................................................. 7,000 10,000 16,000 25,000 50,000

Part time ................................................................ 5,000 5,000 10,000 20,000 50,000

Union ..................................................................... 5,000 10,000 20,000 40,000 50,000

Nonunion ............................................................... 10,000 10,000 15,000 25,000 50,000

Establishment characteristics

Goods-producing industries ................................... 10,000 10,000 20,000 25,000 50,000

Service-providing industries .................................. 5,000 10,000 15,000 25,000 50,000

Education and health services ........................... 5,000 10,000 20,000 35,000 50,000

Educational services ...................................... 5,000 10,000 20,000 46,000 50,000

Elementary and secondary schools ........... 7,000 10,000 20,000 50,000 50,000

Junior colleges, colleges, and universities 5,000 6,000 10,000 30,000 50,000

Health care and social assistance ................. 5,000 10,000 15,000 25,000 50,000

Hospitals .................................................... 5,000 10,000 12,500 20,000 50,000

Public administration ......................................... 5,000 10,000 20,000 30,000 50,000

1 to 99 workers ...................................................... 8,000 10,000 15,000 25,000 50,000

1 to 49 workers .................................................. 10,000 10,000 15,000 25,000 50,000

50 to 99 workers ................................................ 7,500 10,000 15,000 25,000 50,000

100 workers or more .............................................. 5,000 10,000 20,000 30,000 50,000

100 to 499 workers ............................................ 7,500 10,000 20,000 25,000 50,000

500 workers or more .......................................... 5,000 10,000 20,000 40,000 50,000

See footnotes at end of table.
Table 20. Life insurance plans: Flat-dollar amount benefit formulas,1 civilian workers,2

National Compensation Survey, March 2009—Continued

(Includes workers participating in life insurance plans with flat-dollar amount formulas)

Characteristics

Flat dollar amounts3

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic areas

New England ......................................................... $5,000 $7,000 $15,000 $32,000 $50,000

Middle Atlantic ....................................................... 5,000 10,000 20,000 40,000 50,000

East North Central ................................................. 7,500 10,000 20,000 25,000 50,000

West North Central ................................................ 10,000 10,000 20,000 27,500 50,000

South Atlantic ........................................................ 5,000 10,000 15,000 25,000 50,000

East South Central ................................................ 10,000 10,000 15,000 25,000 50,000

West South Central ............................................... 5,000 10,000 15,000 20,000 40,000

Mountain ................................................................ 10,000 10,000 20,000 25,000 50,000

Pacific .................................................................... 5,000 10,000 15,000 30,000 50,000

1 Includes participants in plans providing a fixed benefit

amount. Dollar amounts can be a flat amount or can vary by the

employee’s earnings or length of service. 2 Includes workers in the private nonfarm economy except

those in private households, and workers in the public sector,

except the federal government. See Technical Note for further

explanation. 3 The 10th, 25th, 50th, 75th, and 90th percentiles designate

position within each published series. For example, at the 50th

percentile or median, half of participating workers receive the

same as or more than the amount shown, and half receive the

same as or less than the amount shown. At the 25th percentile,

one-fourth of participating workers receive the same or less

than the amount shown. The remaining percentiles follow the

same logic.

NOTE: For definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 20. Standard errors for life insurance plans: Flat-dollar amount benefit formulas,1

civilian workers,2 National Compensation Survey, March 2009

Characteristics

Flat dollar amounts3

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. $0.00 $0.00 $1,225.61 $0.00 $0.00

Worker characteristics

Management, professional, and related ................ 869.71 0.00 0.00 7,274.86 0.00

Management, business, and financial ............... 1,530.49 0.00 0.00 15,749.41 0.00

Professional and related .................................... 220.91 0.00 0.00 9,175.30 0.00

Teachers ........................................................ 4,254.97 0.00 0.00 0.00 0.00

Primary, secondary, and special education

school teachers ........................................ 1,431.64 390.51 2,833.30 0.00 0.00

Registered nurses ......................................... 220.91 0.00 1,295.18 18,473.88 0.00

Service ................................................................... 0.00 0.00 390.51 3,212.66 9,813.60

Protective service .............................................. 0.00 0.00 0.00 5,741.46 7,771.10

Sales and office ..................................................... 2,228.32 0.00 3,165.56 0.00 0.00

Sales and related ............................................... 0.00 0.00 0.00 4,348.56 1,562.05

Office and administrative support ...................... 2,624.29 0.00 2,523.57 3,957.88 0.00

Natural resources, construction, and maintenance 2,742.50 0.00 0.00 0.00 0.00

Construction, extraction, farming, fishing, and

forestry ............................................................. 2,948.30 0.00 0.00 0.00 0.00

Installation, maintenance, and repair ................. 0.00 0.00 0.00 0.00 8,113.64

Production, transportation, and material moving ... 3,235.37 0.00 2,612.35 0.00 6,860.58

Production ......................................................... 1,254.51 0.00 1,569.84 0.00 6,071.94

Transportation and material moving .................. 3,656.67 0.00 0.00 0.00 8,283.28

Full time ................................................................. 1,816.62 0.00 5,026.55 1,018.33 0.00

Part time ................................................................ 0.00 0.00 0.00 6,444.28 2,258.23

Union ..................................................................... 0.00 0.00 0.00 624.82 0.00

Nonunion ............................................................... 3,336.54 0.00 0.00 0.00 0.00

Establishment characteristics

Goods-producing industries ................................... 0.00 0.00 1,638.29 0.00 0.00

Service-providing industries .................................. 0.00 0.00 0.00 1,217.50 0.00

Education and health services ........................... 0.00 0.00 2,285.08 4,581.13 0.00

Educational services ...................................... 518.07 0.00 448.66 6,899.15 0.00

Elementary and secondary schools ........... 4,046.28 0.00 6,331.12 6,187.37 0.00

Junior colleges, colleges, and universities 0.00 5,647.19 5,496.11 11,887.59 0.00

Health care and social assistance ................. 0.00 0.00 0.00 2,705.55 2,000.40

Hospitals .................................................... 0.00 0.00 3,243.84 2,816.03 4,242.05

Public administration ......................................... 0.00 220.91 1,306.90 5,522.68 0.00

1 to 99 workers ...................................................... 2,978.15 0.00 0.00 0.00 0.00

1 to 49 workers .................................................. 3,768.39 0.00 0.00 0.00 0.00

50 to 99 workers ................................................ 3,093.69 0.00 0.00 0.00 6,808.82

100 workers or more .............................................. 0.00 0.00 883.63 769.29 0.00

100 to 499 workers ............................................ 2,572.64 0.00 5,718.97 0.00 0.00

500 workers or more .......................................... 0.00 0.00 0.00 5,221.80 0.00

See footnotes at end of table.
Table 20. Standard errors for life insurance plans: Flat-dollar amount benefit formulas,1

civilian workers,2 National Compensation Survey, March 2009—Continued

Characteristics

Flat dollar amounts3

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic areas

New England ......................................................... $0.00 $4,704.34 $8,228.61 $16,422.52 $0.00

Middle Atlantic ....................................................... 584.47 0.00 3,508.53 7,200.69 0.00

East North Central ................................................. 4,018.30 0.00 1,189.62 2,012.56 0.00

West North Central ................................................ 3,514.61 0.00 1,562.05 5,181.32 0.00

South Atlantic ........................................................ 2,846.19 0.00 0.00 796.49 0.00

East South Central ................................................ 0.00 0.00 0.00 382.62 18,961.38

West South Central ............................................... 0.00 0.00 0.00 5,670.91 13,742.49

Mountain ................................................................ 0.00 0.00 6,673.08 0.00 1,562.05

Pacific .................................................................... 0.00 0.00 2,682.91 3,877.59 0.00

1 Includes participants in plans providing a fixed benefit

amount. Dollar amounts can be a flat amount or can vary by the

employee’s earnings or length of service. 2 Includes workers in the private nonfarm economy except

those in private households, and workers in the public sector,

except the federal government. See Technical Note for further

explanation. 3 The 10th, 25th, 50th, 75th, and 90th percentiles designate

position within each published series. For example, at the 50th

percentile or median, half of participating workers receive the

same as or more than the amount shown, and half receive the

same as or less than the amount shown. At the 25th percentile,

one-fourth of participating workers receive the same or less

than the amount shown. The remaining percentiles follow the

same logic.
Table 21. Short-term disability plans: Method of funding, civilian workers,1

National Compensation Survey, March 2009

(All workers with short-term disability coverage = 100 percent)

Characteristics

Noncommercially

insured2

Commercially

insured

Legally

required Other

All workers ............................................................. 46 34 16 4

Worker characteristics

Management, professional, and related ................ 51 32 13 4

Management, business, and financial ............... 53 33 11 2

Professional and related .................................... 50 31 14 5

Teachers ........................................................ 46 20 20 14

Primary, secondary, and special education

school teachers ........................................ 41 – 28 –

Registered nurses ......................................... 46 34 15 4

Service ................................................................... 35 33 28 4

Protective service .............................................. 43 31 21 5

Sales and office ..................................................... 49 32 17 2

Sales and related ............................................... 51 28 20 1

Office and administrative support ...................... 48 33 16 3

Natural resources, construction, and maintenance 39 38 14 8

Construction, extraction, farming, fishing, and

forestry ............................................................. 27 42 17 14

Installation, maintenance, and repair ................. 48 36 12 4

Production, transportation, and material moving ... 44 42 11 3

Production ......................................................... 46 42 9 3

Transportation and material moving .................. 42 42 13 3

Full time ................................................................. 47 36 13 4

Part time ................................................................ 37 19 41 3

Union ..................................................................... 45 30 14 11

Nonunion ............................................................... 47 36 16 2

Wage percentiles:3

Lowest 10 percent ............................................. 34 25 40 –

Lowest 25 percent ............................................. 35 34 29 2

Second 25 percent ............................................ 43 39 14 3

Third 25 percent ................................................ 45 37 14 4

Highest 25 percent ............................................ 53 29 13 5

Highest 10 percent ............................................ 54 28 13 5

Establishment characteristics

Goods-producing industries ................................... 47 40 9 4

Service-providing industries .................................. 46 33 17 4

Education and health services ........................... 40 34 18 8

Educational services ...................................... 51 21 12 16

Elementary and secondary schools ........... 38 22 12 27

Junior colleges, colleges, and universities 69 17 11 2

Health care and social assistance ................. 34 41 21 4

Hospitals .................................................... 50 30 15 6

Public administration ......................................... 53 23 8 16

See footnotes at end of table.
Table 21. Short-term disability plans: Method of funding, civilian workers,1

National Compensation Survey, March 2009—Continued

(All workers with short-term disability coverage = 100 percent)

Characteristics

Noncommercially

insured2

Commercially

insured

Legally

required Other

1 to 99 workers ...................................................... 31 40 27 2

1 to 49 workers .................................................. 29 40 29 2

50 to 99 workers ................................................ 33 40 24 3

100 workers or more .............................................. 54 32 10 5

100 to 499 workers ............................................ 48 37 12 3

500 workers or more .......................................... 59 27 8 6

Geographic areas

New England ......................................................... 48 48 – –

Middle Atlantic ....................................................... 21 22 53 5

East North Central ................................................. 58 35 – 6

West North Central ................................................ 58 38 – 4

South Atlantic ........................................................ 56 41 – 3

East South Central ................................................ 56 43 – –

West South Central ............................................... 59 39 – 2

Mountain ................................................................ 52 44 – –

Pacific .................................................................... 51 35 12 2

1 Includes workers in the private nonfarm economy

except those in private households, and workers in the

public sector, except the federal government. See

Technical Note for further explanation. 2 Employer assumes all risks and expenses of

providing the benefit. 3 The percentile groupings are based on the average

wage for each occupation surveyed, which may include

workers both above and below the threshold. The

percentile values are based on the estimates published in

the "National Compensation Survey: Occupational Earnings

in the United States, 2008." See Technical Note for more

details.

NOTE: Because of rounding, sums of individual items may

not equal totals. Dash indicates no workers in this category

or data did not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 21. Standard errors for short-term disability plans: Method of funding,

civilian workers,1 National Compensation Survey, March 2009

Characteristics

Noncommercially

insured2

Commercially

insured

Legally

required Other

All workers ............................................................. 1.2 0.9 1.1 0.3

Worker characteristics

Management, professional, and related ................ 1.6 1.4 1.3 0.5

Management, business, and financial ............... 2.4 1.9 1.5 0.6

Professional and related .................................... 1.6 1.7 1.3 0.6

Teachers ........................................................ 3.8 2.3 1.7 2.1

Primary, secondary, and special education

school teachers ........................................ 4.2 – 2.5 –

Registered nurses ......................................... 4.3 4.6 3.4 1.5

Service ................................................................... 4.0 2.5 4.1 0.7

Protective service .............................................. 5.5 6.3 5.7 1.7

Sales and office ..................................................... 1.4 1.3 1.1 0.4

Sales and related ............................................... 2.6 2.0 1.7 0.6

Office and administrative support ...................... 1.5 1.5 1.1 0.4

Natural resources, construction, and maintenance 2.1 2.2 1.3 1.3

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.7 4.2 2.9 2.5

Installation, maintenance, and repair ................. 2.7 2.3 1.5 0.9

Production, transportation, and material moving ... 1.7 1.7 1.0 0.5

Production ......................................................... 2.2 2.2 1.0 0.7

Transportation and material moving .................. 2.2 2.3 2.0 0.8

Full time ................................................................. 1.1 0.9 0.6 0.3

Part time ................................................................ 5.1 2.6 6.8 0.6

Union ..................................................................... 1.9 1.7 2.2 0.9

Nonunion ............................................................... 1.2 1.0 0.9 0.3

Wage percentiles:3

Lowest 10 percent ............................................. 8.8 4.8 8.9 –

Lowest 25 percent ............................................. 3.9 2.8 3.5 0.5

Second 25 percent ............................................ 1.3 1.3 1.0 0.5

Third 25 percent ................................................ 1.5 1.2 1.1 0.4

Highest 25 percent ............................................ 1.5 1.4 1.1 0.5

Highest 10 percent ............................................ 2.0 2.0 1.3 0.7

Establishment characteristics

Goods-producing industries ................................... 1.9 1.8 1.1 0.6

Service-providing industries .................................. 1.4 1.0 1.4 0.3

Education and health services ........................... 1.9 1.9 0.8 0.9

Educational services ...................................... 2.6 2.3 1.4 2.1

Elementary and secondary schools ........... 3.8 3.0 2.9 3.5

Junior colleges, colleges, and universities 2.5 2.3 0.9 0.4

Health care and social assistance ................. 2.3 2.5 1.5 1.0

Hospitals .................................................... 3.3 4.1 2.8 1.2

Public administration ......................................... 3.8 3.2 1.4 2.1

See footnotes at end of table.
Table 21. Standard errors for short-term disability plans: Method of funding,

civilian workers,1 National Compensation Survey, March 2009—Continued

Characteristics

Noncommercially

insured2

Commercially

insured

Legally

required Other

1 to 99 workers ...................................................... 1.3 2.0 2.0 0.3

1 to 49 workers .................................................. 1.5 2.1 2.0 0.4

50 to 99 workers ................................................ 2.2 2.9 2.9 0.6

100 workers or more .............................................. 1.3 1.1 0.6 0.4

100 to 499 workers ............................................ 1.6 1.6 0.9 0.5

500 workers or more .......................................... 1.6 1.4 0.8 0.6

Geographic areas

New England ......................................................... 3.8 3.7 – –

Middle Atlantic ....................................................... 1.8 1.1 2.5 0.3

East North Central ................................................. 2.0 2.0 – 1.0

West North Central ................................................ 2.8 1.8 – 1.8

South Atlantic ........................................................ 2.2 2.2 – 1.1

East South Central ................................................ 9.9 9.6 – –

West South Central ............................................... 2.5 2.3 – 0.7

Mountain ................................................................ 3.7 3.4 – –

Pacific .................................................................... 3.5 3.4 1.9 0.4

1 Includes workers in the private nonfarm economy

except those in private households, and workers in the

public sector, except the federal government. See

Technical Note for further explanation. 2 Employer assumes all risks and expenses of

providing the benefit. 3 The percentile groupings are based on the average

wage for each occupation surveyed, which may include

workers both above and below the threshold. The

percentile values are based on the estimates published in

the "National Compensation Survey: Occupational Earnings

in the United States, 2008." See Technical Note for more

details.

NOTE: Dash indicates no workers in this category or data

did not meet publication criteria. For definitions of major

plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 22. Short-term disability plans: Employee contribution

requirement, civilian workers,1 National Compensation Survey, March

2009

(All workers with short-term disability coverage = 100 percent)

Characteristics

Employee

contribution

required

Employee

contribution not

required

All workers ............................................................. 19 81

Worker characteristics

Management, professional, and related ................ 15 85

Management, business, and financial ............... 14 86

Professional and related .................................... 15 85

Teachers ........................................................ 21 79

Primary, secondary, and special education

school teachers ........................................ 26 74

Registered nurses ......................................... 19 81

Service ................................................................... 34 66

Protective service .............................................. 18 82

Sales and office ..................................................... 20 80

Sales and related ............................................... 23 77

Office and administrative support ...................... 18 82

Natural resources, construction, and maintenance 20 80

Construction, extraction, farming, fishing, and

forestry ............................................................. 16 84

Installation, maintenance, and repair ................. 23 77

Production, transportation, and material moving ... 17 83

Production ......................................................... 15 85

Transportation and material moving .................. 19 81

Full time ................................................................. 18 82

Part time ................................................................ 36 64

Union ..................................................................... 16 84

Nonunion ............................................................... 20 80

Wage percentiles:2

Lowest 10 percent ............................................. 53 47

Lowest 25 percent ............................................. 36 64

Second 25 percent ............................................ 20 80

Third 25 percent ................................................ 17 83

Highest 25 percent ............................................ 14 86

Highest 10 percent ............................................ 13 87

Establishment characteristics

Goods-producing industries ................................... 13 87

Service-providing industries .................................. 21 79

Education and health services ........................... 21 79

Educational services ...................................... 14 86

Elementary and secondary schools ........... 13 87

Junior colleges, colleges, and universities 9 91

Health care and social assistance ................. 25 75

Hospitals .................................................... 21 79

Public administration ......................................... 15 85

See footnotes at end of table.
Table 22. Short-term disability plans: Employee contribution

requirement, civilian workers,1 National Compensation Survey, March

2009—Continued

(All workers with short-term disability coverage = 100 percent)

Characteristics

Employee

contribution

required

Employee

contribution not

required

1 to 99 workers ...................................................... 28 72

1 to 49 workers .................................................. 30 70

50 to 99 workers ................................................ 25 75

100 workers or more .............................................. 15 85

100 to 499 workers ............................................ 17 83

500 workers or more .......................................... 13 87

Geographic areas

New England ......................................................... 9 91

Middle Atlantic ....................................................... 46 54

East North Central ................................................. 8 92

West North Central ................................................ 6 94

South Atlantic ........................................................ 7 93

West South Central ............................................... 7 93

Mountain ................................................................ 5 95

Pacific .................................................................... 11 89

1 Includes workers in the private nonfarm

economy except those in private households, and

workers in the public sector, except the federal

government. See Technical Note for further

explanation. 2 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and below

the threshold. The percentile values are based on

the estimates published in the "National

Compensation Survey: Occupational Earnings in

the United States, 2008." See Technical Note for

more details.

NOTE: Because of rounding, sums of individual

items may not equal totals. For definitions of major

plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 22. Standard errors for short-term disability plans: Employee

contribution requirement, civilian workers,1 National Compensation

Survey, March 2009

Characteristics

Employee

contribution

required

Employee

contribution not

required

All workers ............................................................. 1.1 1.1

Worker characteristics

Management, professional, and related ................ 0.7 0.7

Management, business, and financial ............... 0.9 0.9

Professional and related .................................... 0.8 0.8

Teachers ........................................................ 1.8 1.8

Primary, secondary, and special education

school teachers ........................................ 3.3 3.3

Registered nurses ......................................... 2.1 2.1

Service ................................................................... 4.0 4.0

Protective service .............................................. 5.0 5.0

Sales and office ..................................................... 1.2 1.2

Sales and related ............................................... 1.7 1.7

Office and administrative support ...................... 1.3 1.3

Natural resources, construction, and maintenance 2.5 2.5

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.2 2.2

Installation, maintenance, and repair ................. 3.5 3.5

Production, transportation, and material moving ... 1.2 1.2

Production ......................................................... 1.4 1.4

Transportation and material moving .................. 2.1 2.1

Full time ................................................................. 1.0 1.0

Part time ................................................................ 5.7 5.7

Union ..................................................................... 1.8 1.8

Nonunion ............................................................... 1.0 1.0

Wage percentiles:2

Lowest 10 percent ............................................. 6.8 6.8

Lowest 25 percent ............................................. 3.4 3.4

Second 25 percent ............................................ 1.2 1.2

Third 25 percent ................................................ 0.8 0.8

Highest 25 percent ............................................ 0.8 0.8

Highest 10 percent ............................................ 0.8 0.8

Establishment characteristics

Goods-producing industries ................................... 1.1 1.1

Service-providing industries .................................. 1.4 1.4

Education and health services ........................... 1.2 1.2

Educational services ...................................... 1.9 1.9

Elementary and secondary schools ........... 1.5 1.5

Junior colleges, colleges, and universities 1.0 1.0

Health care and social assistance ................. 2.0 2.0

Hospitals .................................................... 2.7 2.7

Public administration ......................................... 1.9 1.9

See footnotes at end of table.
Table 22. Standard errors for short-term disability plans: Employee

contribution requirement, civilian workers,1 National Compensation

Survey, March 2009—Continued

Characteristics

Employee

contribution

required

Employee

contribution not

required

1 to 99 workers ...................................................... 2.4 2.4

1 to 49 workers .................................................. 2.9 2.9

50 to 99 workers ................................................ 2.0 2.0

100 workers or more .............................................. 1.3 1.3

100 to 499 workers ............................................ 1.1 1.1

500 workers or more .......................................... 2.4 2.4

Geographic areas

New England ......................................................... 2.2 2.2

Middle Atlantic ....................................................... 1.8 1.8

East North Central ................................................. 1.1 1.1

West North Central ................................................ 1.8 1.8

South Atlantic ........................................................ 0.9 0.9

West South Central ............................................... 1.7 1.7

Mountain ................................................................ 0.8 0.8

Pacific .................................................................... 1.5 1.5

1 Includes workers in the private nonfarm

economy except those in private households, and

workers in the public sector, except the federal

government. See Technical Note for further

explanation. 2 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and below

the threshold. The percentile values are based on

the estimates published in the "National

Compensation Survey: Occupational Earnings in

the United States, 2008." See Technical Note for

more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 23. Short-term disability plans: Method of benefit payment, civilian workers,1

National Compensation Survey, March 2009

(All workers with short-term disabilty coverage = 100 percent)

Characteristics Flat dollar

amounts

Dollar

amount

varies

Fixed

percent of

earnings

Percent

varies by

earnings

Other

All workers ............................................................. 7 2 68 21 2

Worker characteristics

Management, professional, and related ................ 1 1 67 29 3

Management, business, and financial ............... 1 1 61 36 1

Professional and related .................................... 1 1 70 25 3

Teachers ........................................................ 2 1 87 8 2

Primary, secondary, and special education

school teachers ........................................ – – 87 6 3

Registered nurses ......................................... 2 – 76 14 8

Service ................................................................... 4 1 85 8 3

Protective service .............................................. – 1 85 10 –

Sales and office ..................................................... 4 1 67 26 3

Sales and related ............................................... 4 1 68 25 2

Office and administrative support ...................... 3 1 66 27 3

Natural resources, construction, and maintenance 16 6 60 16 2

Construction, extraction, farming, fishing, and

forestry ............................................................. 21 7 62 8 1

Installation, maintenance, and repair ................. 13 5 59 21 3

Production, transportation, and material moving ... 18 6 66 10 1

Production ......................................................... 20 7 62 10 1

Transportation and material moving .................. 16 4 70 10 1

Full time ................................................................. 7 2 67 21 2

Part time ................................................................ 3 1 79 15 3

Union ..................................................................... 16 7 59 15 3

Nonunion ............................................................... 4 1 71 22 2

Wage percentiles:2

Lowest 10 percent ............................................. 3 – 89 6 –

Lowest 25 percent ............................................. 7 1 80 11 2

Second 25 percent ............................................ 9 2 72 15 2

Third 25 percent ................................................ 8 2 67 20 2

Highest 25 percent ............................................ 4 3 62 29 3

Highest 10 percent ............................................ 2 1 61 33 2

Establishment characteristics

Goods-producing industries ................................... 19 6 58 16 1

Service-providing industries .................................. 3 1 71 22 3

Education and health services ........................... 2 1 79 13 6

Educational services ...................................... 2 1 84 10 3

Elementary and secondary schools ........... 2 1 87 5 4

Junior colleges, colleges, and universities 2 – 78 19 1

Health care and social assistance ................. 1 1 76 14 8

Hospitals .................................................... – 1 79 14 5

Public administration ......................................... 2 – 86 10 –

See footnotes at end of table.
Table 23. Short-term disability plans: Method of benefit payment, civilian workers,1

National Compensation Survey, March 2009—Continued

(All workers with short-term disabilty coverage = 100 percent)

Characteristics Flat dollar

amounts

Dollar

amount

varies

Fixed

percent of

earnings

Percent

varies by

earnings

Other

1 to 99 workers ...................................................... 7 1 75 15 1

1 to 49 workers .................................................. 7 2 74 17 1

50 to 99 workers ................................................ 8 1 76 13 2

100 workers or more .............................................. 6 3 65 23 3

100 to 499 workers ............................................ 9 2 67 20 2

500 workers or more .......................................... 4 4 63 25 3

Geographic areas

New England ......................................................... 5 1 69 24 1

Middle Atlantic ....................................................... 4 1 82 12 1

East North Central ................................................. 13 4 57 23 2

West North Central ................................................ 11 2 66 19 2

South Atlantic ........................................................ 7 2 65 24 1

East South Central ................................................ – 4 79 8 –

West South Central ............................................... 7 – 56 32 –

Mountain ................................................................ 6 – 63 25 –

Pacific .................................................................... 2 2 63 27 5

1 Includes workers in the private nonfarm economy except

those in private households, and workers in the public sector,

except the federal government. See Technical Note for further

explanation. 2 The percentile groupings are based on the average wage

for each occupation surveyed, which may include workers both

above and below the threshold. The percentile values are

based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not

equal totals. Dash indicates no workers in this category or data

did not meet publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 23. Standard errors for short-term disability plans: Method of benefit payment,

civilian workers,1 National Compensation Survey, March 2009

Characteristics Flat dollar

amounts

Dollar

amount

varies

Fixed

percent of

earnings

Percent

varies by

earnings

Other

All workers ............................................................. 0.4 0.2 0.9 0.6 0.3

Worker characteristics

Management, professional, and related ................ 0.2 0.1 1.2 1.1 0.4

Management, business, and financial ............... 0.3 0.1 1.5 1.3 0.3

Professional and related .................................... 0.2 0.1 1.3 1.2 0.5

Teachers ........................................................ 0.8 0.3 2.0 1.3 0.8

Primary, secondary, and special education

school teachers ........................................ – – 3.0 2.0 1.1

Registered nurses ......................................... 1.1 – 3.5 2.9 2.5

Service ................................................................... 0.8 0.3 1.9 1.1 0.7

Protective service .............................................. – 0.5 3.3 3.0 –

Sales and office ..................................................... 0.3 0.1 1.1 1.0 0.5

Sales and related ............................................... 0.8 0.3 2.3 2.3 0.6

Office and administrative support ...................... 0.3 0.1 1.3 1.0 0.7

Natural resources, construction, and maintenance 1.7 0.8 2.2 1.4 0.7

Construction, extraction, farming, fishing, and

forestry ............................................................. 3.0 1.4 3.2 1.2 0.5

Installation, maintenance, and repair ................. 1.6 0.9 2.7 2.2 1.1

Production, transportation, and material moving ... 1.0 0.5 1.3 0.8 0.3

Production ......................................................... 1.3 0.8 1.7 1.0 0.4

Transportation and material moving .................. 1.4 0.6 2.0 1.1 0.3

Full time ................................................................. 0.4 0.2 0.9 0.7 0.3

Part time ................................................................ 0.5 0.3 2.4 1.8 0.8

Union ..................................................................... 1.3 0.6 2.0 1.1 0.6

Nonunion ............................................................... 0.3 0.1 0.9 0.7 0.4

Wage percentiles:2

Lowest 10 percent ............................................. 1.0 – 2.2 1.5 –

Lowest 25 percent ............................................. 1.1 0.4 2.0 1.6 0.4

Second 25 percent ............................................ 0.7 0.3 1.2 0.9 0.7

Third 25 percent ................................................ 0.5 0.3 0.9 0.7 0.4

Highest 25 percent ............................................ 0.4 0.3 1.3 1.1 0.4

Highest 10 percent ............................................ 0.4 0.2 1.4 1.3 0.4

Establishment characteristics

Goods-producing industries ................................... 1.1 0.6 1.4 1.1 0.3

Service-providing industries .................................. 0.3 0.1 1.0 0.8 0.4

Education and health services ........................... 0.3 0.1 1.7 1.4 1.4

Educational services ...................................... 0.6 0.1 1.7 1.5 0.7

Elementary and secondary schools ........... 1.0 0.3 2.2 1.2 1.2

Junior colleges, colleges, and universities 0.5 – 3.2 3.3 0.3

Health care and social assistance ................. 0.4 0.2 2.3 1.9 2.1

Hospitals .................................................... – 0.3 2.3 1.9 1.6

Public administration ......................................... 0.9 – 2.3 2.0 –

See footnotes at end of table.
Table 23. Standard errors for short-term disability plans: Method of benefit payment,

civilian workers,1 National Compensation Survey, March 2009—Continued

Characteristics Flat dollar

amounts

Dollar

amount

varies

Fixed

percent of

earnings

Percent

varies by

earnings

Other

1 to 99 workers ...................................................... 0.7 0.3 1.1 0.8 0.3

1 to 49 workers .................................................. 0.8 0.3 1.4 1.2 0.3

50 to 99 workers ................................................ 1.3 0.3 1.9 1.4 0.6

100 workers or more .............................................. 0.5 0.2 1.2 0.9 0.5

100 to 499 workers ............................................ 0.7 0.3 1.3 1.2 0.4

500 workers or more .......................................... 0.6 0.3 1.8 1.3 0.7

Geographic areas

New England ......................................................... 1.0 0.5 2.8 2.5 0.4

Middle Atlantic ....................................................... 0.5 0.1 0.7 0.4 0.4

East North Central ................................................. 1.1 0.5 1.7 1.4 0.5

West North Central ................................................ 1.4 0.9 2.2 2.2 1.0

South Atlantic ........................................................ 0.7 0.6 2.2 2.1 0.5

East South Central ................................................ – 1.4 6.8 2.7 –

West South Central ............................................... 1.5 – 2.9 2.3 –

Mountain ................................................................ 1.5 – 3.0 3.5 –

Pacific .................................................................... 0.4 0.4 2.6 2.1 1.7

1 Includes workers in the private nonfarm economy except

those in private households, and workers in the public sector,

except the federal government. See Technical Note for further

explanation. 2 The percentile groupings are based on the average wage

for each occupation surveyed, which may include workers both

above and below the threshold. The percentile values are

based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did

not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 24. Short-term disability plans: Duration of benefits, civilian workers,1 National Compensation

Survey, March 2009

(All workers with short-term disabilty coverage = 100 percent)

Characteristics Fixed

duration

Number of weeks2

Duration

10th varies

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. 89 13 24 26 26 26 11

Worker characteristics

Management, professional, and related ................ 87 13 24 26 26 26 13

Management, business, and financial ............... 87 13 21 26 26 26 13

Professional and related .................................... 87 13 24 26 26 26 13

Teachers ........................................................ 86 20 26 26 26 52 14

Primary, secondary, and special education

school teachers ........................................ 88 20 24 26 52 52 12

Registered nurses ......................................... 91 13 22 26 26 26 9

Service ................................................................... 93 13 26 26 26 26 7

Protective service .............................................. 91 12 20 26 26 26 9

Sales and office ..................................................... 88 13 21 26 26 26 12

Sales and related ............................................... 86 13 21 26 26 26 14

Office and administrative support ...................... 88 13 22 26 26 26 12

Natural resources, construction, and maintenance 87 13 26 26 26 36 13

Construction, extraction, farming, fishing, and

forestry ............................................................. 93 13 26 26 26 48 7

Installation, maintenance, and repair ................. 83 13 26 26 26 36 17

Production, transportation, and material moving ... 90 13 26 26 26 26 10

Production ......................................................... 89 13 26 26 26 26 11

Transportation and material moving .................. 91 13 26 26 26 26 9

Full time ................................................................. 88 13 24 26 26 26 12

Part time ................................................................ 92 13 26 26 26 26 8

Union ..................................................................... 84 16 26 26 26 52 16

Nonunion ............................................................... 90 13 23 26 26 26 10

Establishment characteristics

Goods-producing industries ................................... 90 13 26 26 26 26 10

Service-providing industries .................................. 88 13 24 26 26 26 12

Education and health services ........................... 90 13 24 26 26 26 10

Educational services ...................................... 83 20 24 26 26 52 17

Elementary and secondary schools ........... 81 20 22 26 52 52 19

Junior colleges, colleges, and universities 90 18 26 26 26 26 10

Health care and social assistance ................. 94 13 24 26 26 26 6

Hospitals .................................................... 91 13 20 26 26 26 9

Public administration ......................................... 88 12 24 26 26 52 12

1 to 99 workers ...................................................... 92 13 24 26 26 26 8

1 to 49 workers .................................................. 92 13 26 26 26 26 8

50 to 99 workers ................................................ 91 13 20 26 26 26 9

100 workers or more .............................................. 87 13 24 26 26 26 13

100 to 499 workers ............................................ 87 13 21 26 26 26 13

500 workers or more .......................................... 86 13 25 26 26 26 14

See footnotes at end of table.
Table 24. Short-term disability plans: Duration of benefits, civilian workers,1 National Compensation

Survey, March 2009—Continued

(All workers with short-term disabilty coverage = 100 percent)

Characteristics Fixed

duration

Number of weeks2

Duration

10th varies

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic areas

New England ......................................................... 91 13 24 26 26 26 9

Middle Atlantic ....................................................... 93 26 26 26 26 26 7

East North Central ................................................. 83 13 20 26 26 26 17

West North Central ................................................ 86 12 13 26 26 26 14

South Atlantic ........................................................ 91 12 20 26 26 52 9

East South Central ................................................ 92 12 24 26 26 26 8

West South Central ............................................... 83 12 20 26 26 26 17

Mountain ................................................................ 83 12 13 26 26 26 17

Pacific .................................................................... 87 13 25 26 26 26 13

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government.

See Technical Note for further explanation. 2 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within

each published series. For example, at the 50th percentile or median, half of

the participating workers receive the same as or more than the benefit shown,

and half receive the same as or less than the benefit shown. At the 25th

percentile, one-fourth of the participating workers receive the same or less

than the benefit shown. The remaining percentiles follow the same logic.

NOTE: Because of rounding, sums of individual items may not equal totals. For

definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 24. Standard errors for short-term disability plans: Duration of benefits, civilian workers,1 National

Compensation Survey, March 2009

Characteristics Fixed

duration

Number of weeks2

Duration

10th varies

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. 0.6 0.0 1.2 0.0 0.0 0.0 0.6

Worker characteristics

Management, professional, and related ................ 1.0 0.0 1.4 0.0 0.0 0.0 1.0

Management, business, and financial ............... 1.3 0.0 1.9 0.0 0.0 0.0 1.3

Professional and related .................................... 1.1 0.3 0.9 0.0 0.0 0.6 1.1

Teachers ........................................................ 3.8 6.2 1.0 0.0 0.0 0.0 3.8

Primary, secondary, and special education

school teachers ........................................ 3.3 1.0 1.7 0.0 15.2 0.0 3.3

Registered nurses ......................................... 2.3 1.2 4.3 0.0 0.0 0.0 2.3

Service ................................................................... 1.0 0.0 0.5 0.0 0.0 0.0 1.0

Protective service .............................................. 2.0 0.0 8.6 0.0 0.0 10.4 2.0

Sales and office ..................................................... 0.7 0.0 0.3 0.0 0.0 0.0 0.7

Sales and related ............................................... 1.4 0.6 1.1 0.0 0.0 0.0 1.4

Office and administrative support ...................... 0.8 0.0 2.6 0.0 0.0 0.0 0.8

Natural resources, construction, and maintenance 1.4 0.0 0.0 0.0 0.0 17.0 1.4

Construction, extraction, farming, fishing, and

forestry ............................................................. 1.2 0.0 0.0 0.0 0.0 25.6 1.2

Installation, maintenance, and repair ................. 2.2 0.0 0.3 0.0 0.0 8.4 2.2

Production, transportation, and material moving ... 0.9 0.0 0.2 0.0 0.0 0.0 0.9

Production ......................................................... 1.1 0.0 0.0 0.0 0.0 0.0 1.1

Transportation and material moving .................. 1.2 0.0 1.2 0.0 0.0 0.0 1.2

Full time ................................................................. 0.6 0.0 0.6 0.0 0.0 0.0 0.6

Part time ................................................................ 2.0 2.7 0.7 0.0 0.0 14.3 2.0

Union ..................................................................... 1.1 5.6 0.0 0.0 0.0 1.1 1.1

Nonunion ............................................................... 0.7 0.0 1.9 0.0 0.0 0.0 0.7

Establishment characteristics

Goods-producing industries ................................... 0.8 0.0 0.0 0.0 0.0 0.0 0.8

Service-providing industries .................................. 0.7 0.0 1.1 0.0 0.0 0.0 0.7

Education and health services ........................... 1.2 0.0 0.7 0.0 0.0 21.6 1.2

Educational services ...................................... 2.7 4.6 1.5 0.0 0.0 0.0 2.7

Elementary and secondary schools ........... 3.2 0.5 2.0 0.0 15.5 0.0 3.2

Junior colleges, colleges, and universities 1.1 4.0 0.0 0.0 0.0 16.8 1.1

Health care and social assistance ................. 1.0 0.0 1.0 0.0 0.0 0.0 1.0

Hospitals .................................................... 1.5 0.4 3.0 0.0 0.0 0.0 1.5

Public administration ......................................... 1.7 8.7 2.4 0.0 0.0 6.5 1.7

1 to 99 workers ...................................................... 0.8 0.0 1.4 0.0 0.0 0.0 0.8

1 to 49 workers .................................................. 0.9 0.0 1.4 0.0 0.0 0.0 0.9

50 to 99 workers ................................................ 1.1 0.5 4.5 0.0 0.0 0.0 1.1

100 workers or more .............................................. 0.8 0.0 1.2 0.0 0.0 0.0 0.8

100 to 499 workers ............................................ 1.1 0.3 0.8 0.0 0.0 0.0 1.1

500 workers or more .......................................... 1.2 0.0 1.5 0.0 0.0 9.6 1.2

See footnotes at end of table.
Table 24. Standard errors for short-term disability plans: Duration of benefits, civilian workers,1 National

Compensation Survey, March 2009—Continued

Characteristics Fixed

duration

Number of weeks2

Duration

10th varies

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic areas

New England ......................................................... 1.6 0.0 2.1 0.0 0.0 0.0 1.6

Middle Atlantic ....................................................... 1.0 1.4 0.0 0.0 0.0 0.0 1.0

East North Central ................................................. 1.7 0.2 1.1 0.0 0.0 1.9 1.7

West North Central ................................................ 2.1 0.4 4.6 0.0 0.0 0.0 2.1

South Atlantic ........................................................ 1.2 1.1 1.6 0.0 0.0 17.7 1.2

East South Central ................................................ 2.9 0.8 9.9 0.0 0.0 0.0 2.9

West South Central ............................................... 2.9 1.2 3.5 0.0 0.0 0.0 2.9

Mountain ................................................................ 3.5 0.0 2.6 0.0 0.0 0.0 3.5

Pacific .................................................................... 1.4 0.0 2.8 0.0 0.0 8.9 1.4

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government.

See Technical Note for further explanation. 2 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within

each published series. For example, at the 50th percentile or median, half of

the participating workers receive the same as or more than the benefit shown,

and half receive the same as or less than the benefit shown. At the 25th

percentile, one-fourth of the participating workers receive the same or less

than the benefit shown. The remaining percentiles follow the same logic.
Table 25. Short-term disability plans: Fixed percent of earnings, civilian workers,1 National Compensation Survey,

March 2009

(All workers with fixed percent of earnings short-term disability coverage = 100 percent)

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings

Less than

50 percent 50 percent 51 to 59percent 60 percent 61 to 69percent

Greater

than 69

percent

All workers ............................................................. 1 23 2 32 25 17 64.0 60.0

Worker characteristics

Management, professional, and related ................ 2 ( ) 18 – 31 24 23 66.4 60.0

Management, business, and financial ............... – 18 2 35 19 24 65.8 60.0

Professional and related .................................... 2 ( ) 18 3 30 26 23 66.7 60.0

Teachers ........................................................ – 31 5 13 23 27 66.9 66.0

Primary, secondary, and special education

school teachers ........................................ – 44 4 12 20 20 62.0 60.0

Registered nurses ......................................... – 18 3 42 27 9 61.2 60.0

Service ................................................................... – 37 2 27 25 8 59.8 60.0

Protective service .............................................. – 24 – 40 22 8 61.1 60.0

Sales and office ..................................................... 2 ( ) 22 2 32 25 19 64.4 60.0

Sales and related ............................................... – 23 1 30 24 22 65.0 60.0

Office and administrative support ...................... 2 ( ) 21 2 34 26 17 64.2 60.0

Natural resources, construction, and maintenance 2 24 – 31 33 10 61.7 60.0

Construction, extraction, farming, fishing, and

forestry ............................................................. 4 19 – 26 42 9 62.3 65.0

Installation, maintenance, and repair ................. 1 28 – 34 26 10 61.2 60.0

Production, transportation, and material moving ... 2 19 1 39 25 14 63.5 60.0

Production ......................................................... 2 17 1 42 26 13 62.5 60.0

Transportation and material moving .................. 1 22 1 36 25 16 64.8 60.0

Full time ................................................................. 1 21 2 34 25 18 64.2 60.0

Part time ................................................................ – 39 2 14 32 13 61.8 60.0

Union ..................................................................... 1 22 4 24 34 15 63.9 60.0

Nonunion ............................................................... 1 23 1 34 23 18 64.0 60.0

Wage percentiles:3

Lowest 10 percent ............................................. – 49 – 19 25 6 58.1 60.0

Lowest 25 percent ............................................. 2 ( ) 35 1 26 28 10 60.6 60.0

Second 25 percent ............................................ 1 24 2 37 24 13 62.4 60.0

Third 25 percent ................................................ 1 19 2 35 26 17 64.3 60.0

Highest 25 percent ............................................ 1 19 2 29 25 25 66.7 60.0

Highest 10 percent ............................................ 2 ( ) 17 3 26 25 28 67.9 66.0

Establishment characteristics

Goods-producing industries ................................... 3 13 2 ( ) 39 27 18 65.1 60.0

Service-providing industries .................................. 2 ( ) 25 2 31 25 17 63.7 60.0

Education and health services ........................... 1 27 5 27 26 15 62.7 60.0

Educational services ...................................... – 31 8 16 17 28 66.3 60.0

Elementary and secondary schools ........... – 41 4 14 24 17 61.9 60.0

Junior colleges, colleges, and universities – 20 16 19 6 39 71.2 60.0

Health care and social assistance ................. 1 24 3 34 31 7 60.6 60.0

Hospitals .................................................... – 21 3 42 25 8 60.4 60.0

Public administration ......................................... – 26 3 36 26 8 60.7 60.0

See footnotes at end of table.
Table 25. Short-term disability plans: Fixed percent of earnings, civilian workers,1 National Compensation Survey,

March 2009—Continued

(All workers with fixed percent of earnings short-term disability coverage = 100 percent)

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings

Less than

50 percent 50 percent 51 to 59percent 60 percent 61 to 69percent

Greater

than 69

percent

1 to 99 workers ...................................................... 1 26 1 31 30 12 62.4 60.0

1 to 49 workers .................................................. – 27 1 30 32 10 62.3 60.0

50 to 99 workers ................................................ – 25 – 32 28 14 62.5 60.0

100 workers or more .............................................. 1 21 2 33 22 20 64.9 60.0

100 to 499 workers ............................................ 1 16 – 38 25 19 65.0 60.0

500 workers or more .......................................... 2 ( ) 25 4 29 21 21 64.9 60.0

Geographic areas

New England ......................................................... – 13 – 42 14 29 66.5 60.0

Middle Atlantic ....................................................... – 37 1 9 45 7 61.7 66.0

East North Central ................................................. 1 13 – 42 20 24 65.3 60.0

West North Central ................................................ – 11 – 44 17 27 66.5 60.0

South Atlantic ........................................................ – 19 – 48 11 19 64.5 60.0

East South Central ................................................ – – – 46 4 – 61.1 60.0

West South Central ............................................... – 9 1 50 18 21 66.3 60.0

Mountain ................................................................ – 9 – 48 13 29 67.7 60.0

Pacific .................................................................... – 15 12 30 25 17 64.4 60.0

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government. See

Technical Note for further explanation. 2 Less than 0.5 percent. 3 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2008." See Technical Note for

more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dash

indicates no workers in this category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 25. Standard errors for short-term disability plans: Fixed percent of earnings, civilian workers,1 National

Compensation Survey, March 2009

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings

Less than

50 percent 50 percent 51 to 59percent 60 percent 61 to 69percent

Greater

than 69

percent

All workers ............................................................. 0.1 1.3 0.2 1.1 0.9 1.0 0.4 0.0

Worker characteristics

Management, professional, and related ................ 2 ( ) 1.6 – 1.8 1.3 1.6 0.7 0.0

Management, business, and financial ............... – 2.5 0.3 2.5 1.5 2.2 0.8 0.0

Professional and related .................................... 2 ( ) 1.4 0.3 2.0 1.7 1.9 0.8 2.1

Teachers ........................................................ – 4.2 0.7 1.9 1.8 4.3 2.2 8.6

Primary, secondary, and special education

school teachers ........................................ – 5.3 0.9 2.1 4.2 2.7 1.3 2.7

Registered nurses ......................................... – 2.6 1.0 4.1 3.0 2.3 0.6 0.0

Service ................................................................... – 3.6 0.9 2.3 3.3 0.9 0.6 0.0

Protective service .............................................. – 4.8 – 6.6 6.6 1.8 0.9 0.0

Sales and office ..................................................... 2 ( ) 1.2 0.3 1.3 1.0 1.3 0.4 0.0

Sales and related ............................................... – 1.9 0.4 2.0 1.9 2.3 0.7 0.0

Office and administrative support ...................... 2 ( ) 1.3 0.4 1.6 1.2 1.3 0.5 0.0

Natural resources, construction, and maintenance 0.9 3.0 – 2.1 2.6 1.3 0.7 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................. 1.9 3.9 – 3.6 3.6 2.5 1.2 7.0

Installation, maintenance, and repair ................. 0.4 3.8 – 2.6 3.1 1.6 0.7 0.0

Production, transportation, and material moving ... 0.4 1.6 0.2 2.4 1.8 1.6 0.5 0.0

Production ......................................................... 0.7 2.0 0.2 3.1 2.4 2.0 0.6 0.0

Transportation and material moving .................. 0.3 2.0 0.3 2.7 2.2 2.4 1.0 0.0

Full time ................................................................. 0.2 1.2 0.3 1.1 1.0 1.0 0.4 0.0

Part time ................................................................ – 4.4 0.5 2.9 3.6 3.4 1.4 0.0

Union ..................................................................... 0.4 1.8 0.4 1.8 1.6 1.6 0.7 3.3

Nonunion ............................................................... 0.1 1.3 0.3 1.2 1.0 1.1 0.4 0.0

Wage percentiles:3

Lowest 10 percent ............................................. – 6.0 – 2.8 6.1 2.0 1.2 11.8

Lowest 25 percent ............................................. 2 ( ) 3.7 0.2 2.1 3.2 1.4 0.8 0.0

Second 25 percent ............................................ 0.2 1.6 0.5 1.4 1.2 0.9 0.4 0.0

Third 25 percent ................................................ 0.3 1.2 0.5 1.3 1.1 1.2 0.5 0.0

Highest 25 percent ............................................ 0.2 1.1 0.2 1.9 1.3 1.7 0.6 2.8

Highest 10 percent ............................................ 2 ( ) 1.1 0.4 2.6 1.8 1.9 0.7 1.7

Establishment characteristics

Goods-producing industries ................................... 0.6 1.0 2 ( ) 2.5 1.7 2.0 0.7 0.0

Service-providing industries .................................. 2 ( ) 1.5 0.3 1.2 1.2 1.0 0.4 0.0

Education and health services ........................... 0.3 2.4 0.5 1.9 2.6 1.4 0.4 0.0

Educational services ...................................... – 2.8 0.7 1.8 1.6 2.5 1.2 0.0

Elementary and secondary schools ........... – 3.6 0.8 2.1 2.5 2.6 0.9 0.0

Junior colleges, colleges, and universities – 2.8 1.3 2.1 0.7 4.2 1.9 0.0

Health care and social assistance ................. 0.5 3.5 0.8 2.5 3.9 1.4 0.6 0.0

Hospitals .................................................... – 2.1 0.9 3.3 2.7 2.0 0.4 0.0

Public administration ......................................... – 3.6 0.7 4.4 2.9 1.7 0.7 0.0

See footnotes at end of table.
Table 25. Standard errors for short-term disability plans: Fixed percent of earnings, civilian workers,1 National

Compensation Survey, March 2009—Continued

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings

Less than

50 percent 50 percent 51 to 59percent 60 percent 61 to 69percent

Greater

than 69

percent

1 to 99 workers ...................................................... 0.2 2.1 0.4 1.9 1.6 1.2 0.5 0.0

1 to 49 workers .................................................. – 2.0 0.6 2.0 2.3 1.5 0.6 0.0

50 to 99 workers ................................................ – 4.4 – 2.7 2.6 2.3 1.0 0.0

100 workers or more .............................................. 0.2 1.7 0.3 1.3 1.1 1.2 0.6 0.0

100 to 499 workers ............................................ 0.4 1.4 – 1.9 1.6 1.5 0.5 0.0

500 workers or more .......................................... 2 ( ) 2.9 0.4 1.6 2.0 1.8 0.9 0.0

Geographic areas

New England ......................................................... – 2.9 – 6.2 2.8 4.7 1.6 0.0

Middle Atlantic ....................................................... – 1.7 0.2 1.0 1.8 1.0 0.5 1.0

East North Central ................................................. 0.4 1.4 – 2.2 1.9 2.8 0.5 0.0

West North Central ................................................ – 2.1 – 6.0 3.1 4.5 1.1 0.0

South Atlantic ........................................................ – 2.3 – 2.7 1.4 3.1 1.3 0.0

East South Central ................................................ – – – 7.2 1.7 – 3.0 0.0

West South Central ............................................... – 2.1 0.2 4.0 2.9 2.6 1.0 0.0

Mountain ................................................................ – 2.5 – 6.3 2.2 5.4 1.5 0.0

Pacific .................................................................... – 1.9 2.0 3.5 3.8 2.0 0.8 0.0

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government. See

Technical Note for further explanation. 2 Less than 0.05. 3 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2008." See Technical Note for

more details.

NOTE: Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 26. Long-term disability plans: Employee contribution

requirement, civilian workers,1 National Compensation Survey, March

2009

(All workers with long-term disability coverage = 100 percent)

Characteristics

Employee

contribution

required

Employee

contribution not

required

All workers ............................................................. 10 90

Worker characteristics

Management, professional, and related ................ 10 90

Management, business, and financial ............... 9 91

Professional and related .................................... 11 89

Teachers ........................................................ 17 83

Primary, secondary, and special education

school teachers ........................................ 19 81

Registered nurses ......................................... 8 92

Service ................................................................... 11 89

Protective service .............................................. 14 86

Sales and office ..................................................... 10 90

Sales and related ............................................... 12 88

Office and administrative support ...................... 9 91

Natural resources, construction, and maintenance 12 88

Construction, extraction, farming, fishing, and

forestry ............................................................. 8 92

Installation, maintenance, and repair ................. 14 86

Production, transportation, and material moving ... 10 90

Production ......................................................... 11 89

Transportation and material moving .................. 9 91

Full time ................................................................. 11 89

Part time ................................................................ 9 91

Union ..................................................................... 13 87

Nonunion ............................................................... 10 90

Wage percentiles:2

Lowest 25 percent ............................................. 9 91

Second 25 percent ............................................ 11 89

Third 25 percent ................................................ 10 90

Highest 25 percent ............................................ 10 90

Highest 10 percent ............................................ 12 88

Establishment characteristics

Goods-producing industries ................................... 10 90

Service-providing industries .................................. 10 90

Education and health services ........................... 13 87

Educational services ...................................... 17 83

Elementary and secondary schools ........... 20 80

Junior colleges, colleges, and universities 14 86

Health care and social assistance ................. 9 91

Hospitals .................................................... 10 90

Public administration ......................................... 17 83

See footnotes at end of table.
Table 26. Long-term disability plans: Employee contribution

requirement, civilian workers,1 National Compensation Survey, March

2009—Continued

(All workers with long-term disability coverage = 100 percent)

Characteristics

Employee

contribution

required

Employee

contribution not

required

1 to 99 workers ...................................................... 9 91

1 to 49 workers .................................................. 10 90

50 to 99 workers ................................................ 6 94

100 workers or more .............................................. 11 89

100 to 499 workers ............................................ 9 91

500 workers or more .......................................... 12 88

Geographic areas

New England ......................................................... 8 92

Middle Atlantic ....................................................... 8 92

East North Central ................................................. 14 86

West North Central ................................................ 7 93

South Atlantic ........................................................ 8 92

East South Central ................................................ 8 92

West South Central ............................................... 10 90

Mountain ................................................................ 22 78

Pacific .................................................................... 10 90

1 Includes workers in the private nonfarm

economy except those in private households, and

workers in the public sector, except the federal

government. See Technical Note for further

explanation. 2 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and below

the threshold. The percentile values are based on

the estimates published in the "National

Compensation Survey: Occupational Earnings in

the United States, 2008." See Technical Note for

more details.

NOTE: Because of rounding, sums of individual

items may not equal totals. For definitions of major

plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 26. Standard errors for long-term disability plans: Employee

contribution requirement, civilian workers,1 National Compensation

Survey, March 2009

Characteristics

Employee

contribution

required

Employee

contribution not

required

All workers ............................................................. 0.6 0.6

Worker characteristics

Management, professional, and related ................ 0.7 0.7

Management, business, and financial ............... 0.8 0.8

Professional and related .................................... 0.9 0.9

Teachers ........................................................ 2.0 2.0

Primary, secondary, and special education

school teachers ........................................ 2.7 2.7

Registered nurses ......................................... 1.3 1.3

Service ................................................................... 2.0 2.0

Protective service .............................................. 2.7 2.7

Sales and office ..................................................... 0.7 0.7

Sales and related ............................................... 1.4 1.4

Office and administrative support ...................... 0.8 0.8

Natural resources, construction, and maintenance 1.6 1.6

Construction, extraction, farming, fishing, and

forestry ............................................................. 3.0 3.0

Installation, maintenance, and repair ................. 1.8 1.8

Production, transportation, and material moving ... 1.2 1.2

Production ......................................................... 1.6 1.6

Transportation and material moving .................. 1.4 1.4

Full time ................................................................. 0.6 0.6

Part time ................................................................ 1.6 1.6

Union ..................................................................... 1.4 1.4

Nonunion ............................................................... 0.6 0.6

Wage percentiles:2

Lowest 25 percent ............................................. 1.9 1.9

Second 25 percent ............................................ 1.1 1.1

Third 25 percent ................................................ 0.8 0.8

Highest 25 percent ............................................ 0.7 0.7

Highest 10 percent ............................................ 1.0 1.0

Establishment characteristics

Goods-producing industries ................................... 1.2 1.2

Service-providing industries .................................. 0.7 0.7

Education and health services ........................... 1.3 1.3

Educational services ...................................... 2.0 2.0

Elementary and secondary schools ........... 3.0 3.0

Junior colleges, colleges, and universities 2.3 2.3

Health care and social assistance ................. 1.8 1.8

Hospitals .................................................... 1.5 1.5

Public administration ......................................... 2.8 2.8

See footnotes at end of table.
Table 26. Standard errors for long-term disability plans: Employee

contribution requirement, civilian workers,1 National Compensation

Survey, March 2009—Continued

Characteristics

Employee

contribution

required

Employee

contribution not

required

1 to 99 workers ...................................................... 0.8 0.8

1 to 49 workers .................................................. 1.0 1.0

50 to 99 workers ................................................ 1.5 1.5

100 workers or more .............................................. 0.7 0.7

100 to 499 workers ............................................ 0.9 0.9

500 workers or more .......................................... 1.0 1.0

Geographic areas

New England ......................................................... 0.6 0.6

Middle Atlantic ....................................................... 1.2 1.2

East North Central ................................................. 1.3 1.3

West North Central ................................................ 1.0 1.0

South Atlantic ........................................................ 1.1 1.1

East South Central ................................................ 2.2 2.2

West South Central ............................................... 1.2 1.2

Mountain ................................................................ 5.5 5.5

Pacific .................................................................... 1.8 1.8

1 Includes workers in the private nonfarm

economy except those in private households, and

workers in the public sector, except the federal

government. See Technical Note for further

explanation. 2 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and below

the threshold. The percentile values are based on

the estimates published in the "National

Compensation Survey: Occupational Earnings in

the United States, 2008." See Technical Note for

more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 27. Long-term disability plans: Method of benefit payment, civilian

workers,1 National Compensation Survey, March 2009

(All workers with long-term disability coverage = 100 percent)

Characteristics

Fixed

percent of

earnings

Pecent

varies by

earnings

Flat dollar

amounts Other

All workers ............................................................. 93 5 1 1

Worker characteristics

Management, professional, and related ................ 94 5 2 () 1

Management, business, and financial ............... 92 7 1 1

Professional and related .................................... 94 5 2 () 1

Teachers ........................................................ 94 3 1 1

Primary, secondary, and special education

school teachers ........................................ 96 – – 2

Registered nurses ......................................... 96 4 – –

Service ................................................................... 95 4 2 () –

Protective service .............................................. 92 8 – –

Sales and office ..................................................... 94 6 2 ( ) 2 ( )

Sales and related ............................................... 94 6 – –

Office and administrative support ...................... 94 6 2 ( ) 2 ( )

Natural resources, construction, and maintenance 91 5 2 2

Construction, extraction, farming, fishing, and

forestry ............................................................. 89 7 2 2

Installation, maintenance, and repair ................. 92 4 2 1

Production, transportation, and material moving ... 87 4 5 3

Production ......................................................... 85 5 7 3

Transportation and material moving .................. 91 4 2 4

Full time ................................................................. 93 5 1 1

Part time ................................................................ 92 7 1 –

Union ..................................................................... 85 6 5 4

Nonunion ............................................................... 94 5 2 ( ) 2 ( )

Wage percentiles:3

Lowest 10 percent ............................................. 97 – – –

Lowest 25 percent ............................................. 96 3 1 –

Second 25 percent ............................................ 94 5 1 2 ( )

Third 25 percent ................................................ 93 6 1 1

Highest 25 percent ............................................ 92 5 1 1

Highest 10 percent ............................................ 92 6 1 1

Establishment characteristics

Goods-producing industries ................................... 89 5 5 2

Service-providing industries .................................. 94 5 2 () 1

Education and health services ........................... 95 4 2 () 1

Educational services ...................................... 93 5 1 –

Elementary and secondary schools ........... 96 1 – –

Junior colleges, colleges, and universities 88 – 2 () –

Health care and social assistance ................. 96 4 – –

Hospitals .................................................... 96 4 – –

Public administration ......................................... 93 7 – –

See footnotes at end of table.
Table 27. Long-term disability plans: Method of benefit payment, civilian

workers,1 National Compensation Survey, March 2009—Continued

(All workers with long-term disability coverage = 100 percent)

Characteristics

Fixed

percent of

earnings

Pecent

varies by

earnings

Flat dollar

amounts Other

1 to 99 workers ...................................................... 95 4 1 2 ( )

1 to 49 workers .................................................. 95 4 1 –

50 to 99 workers ................................................ 96 3 1 –

100 workers or more .............................................. 92 6 1 1

100 to 499 workers ............................................ 93 5 1 1

500 workers or more .......................................... 91 6 2 1

Geographic areas

New England ......................................................... 95 4 – 1

Middle Atlantic ....................................................... 97 2 1 –

East North Central ................................................. 88 8 3 1

West North Central ................................................ 89 – 1 –

South Atlantic ........................................................ 96 3 2 ( ) 2 ( )

East South Central ................................................ 93 5 – –

West South Central ............................................... 92 6 – 1

Mountain ................................................................ 95 4 – –

Pacific .................................................................... 93 5 1 2

1 Includes workers in the private nonfarm economy

except those in private households, and workers in the

public sector, except the federal government. See

Technical Note for further explanation. 2 Less than 0.5 percent. 3 The percentile groupings are based on the

average wage for each occupation surveyed, which may

include workers both above and below the threshold.

The percentile values are based on the estimates

published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: Because of rounding, sums of individual items

may not equal totals. Dash indicates no workers in this

category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 27. Standard errors for long-term disability plans: Method of benefit

payment, civilian workers,1 National Compensation Survey, March 2009

Characteristics

Fixed

percent of

earnings

Pecent

varies by

earnings

Flat dollar

amounts Other

All workers ............................................................. 0.6 0.6 0.1 0.1

Worker characteristics

Management, professional, and related ................ 0.8 0.8 2 ( ) 0.2

Management, business, and financial ............... 0.8 0.8 0.3 0.1

Professional and related .................................... 0.9 0.9 2 ( ) 0.2

Teachers ........................................................ 1.5 1.3 0.5 0.7

Primary, secondary, and special education

school teachers ........................................ 1.3 – – 1.0

Registered nurses ......................................... 1.5 1.5 – –

Service ................................................................... 1.1 1.1 2 () –

Protective service .............................................. 1.9 1.9 – –

Sales and office ..................................................... 0.6 0.6 2 ( ) 2 ( )

Sales and related ............................................... 1.0 0.9 – –

Office and administrative support ...................... 0.7 0.7 2 ( ) 2 ( )

Natural resources, construction, and maintenance 1.4 1.3 0.4 0.4

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.9 2.9 0.7 0.6

Installation, maintenance, and repair ................. 1.3 1.1 0.7 0.4

Production, transportation, and material moving ... 1.2 0.8 0.7 0.7

Production ......................................................... 1.8 1.3 1.1 0.8

Transportation and material moving .................. 1.3 0.8 0.5 1.3

Full time ................................................................. 0.6 0.6 0.1 0.1

Part time ................................................................ 1.8 1.6 0.5 –

Union ..................................................................... 1.6 1.5 0.7 0.7

Nonunion ............................................................... 0.5 0.5 2 ( ) 2 ( )

Wage percentiles:3

Lowest 10 percent ............................................. 2.0 – – –

Lowest 25 percent ............................................. 0.9 0.7 0.3 –

Second 25 percent ............................................ 0.7 0.6 0.1 2 ( )

Third 25 percent ................................................ 1.0 0.9 0.2 0.2

Highest 25 percent ............................................ 0.7 0.6 0.2 0.3

Highest 10 percent ............................................ 0.9 0.9 0.2 0.3

Establishment characteristics

Goods-producing industries ................................... 1.0 0.8 0.6 0.4

Service-providing industries .................................. 0.6 0.6 2 ( ) 0.1

Education and health services ........................... 1.6 1.6 2 ( ) 0.3

Educational services ...................................... 2.2 2.2 0.3 –

Elementary and secondary schools ........... 1.1 0.5 – –

Junior colleges, colleges, and universities 5.4 – 2 () –

Health care and social assistance ................. 1.4 1.4 – –

Hospitals .................................................... 2.1 2.1 – –

Public administration ......................................... 2.1 2.1 – –

See footnotes at end of table.
Table 27. Standard errors for long-term disability plans: Method of benefit

payment, civilian workers,1 National Compensation Survey, March

2009—Continued

Characteristics

Fixed

percent of

earnings

Pecent

varies by

earnings

Flat dollar

amounts Other

1 to 99 workers ...................................................... 0.5 0.5 0.2 2 ( )

1 to 49 workers .................................................. 0.8 0.7 0.2 –

50 to 99 workers ................................................ 1.1 0.9 0.3 –

100 workers or more .............................................. 0.8 0.8 0.2 0.2

100 to 499 workers ............................................ 0.9 0.9 0.2 0.2

500 workers or more .......................................... 1.3 1.2 0.3 0.3

Geographic areas

New England ......................................................... 1.5 1.2 – 0.3

Middle Atlantic ....................................................... 0.3 0.2 0.3 –

East North Central ................................................. 1.3 1.2 0.5 0.3

West North Central ................................................ 4.7 – 0.6 –

South Atlantic ........................................................ 0.7 0.6 2 ( ) 2 ( )

East South Central ................................................ 3.0 2.5 – –

West South Central ............................................... 1.4 1.7 – 0.4

Mountain ................................................................ 1.1 1.1 – –

Pacific .................................................................... 1.1 1.2 0.3 0.7

1 Includes workers in the private nonfarm economy

except those in private households, and workers in the

public sector, except the federal government. See

Technical Note for further explanation. 2 Less than 0.05. 3 The percentile groupings are based on the

average wage for each occupation surveyed, which may

include workers both above and below the threshold.

The percentile values are based on the estimates

published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: Dash indicates no workers in this category or

data did not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 28. Long-term disability plans: Fixed percent of earnings, civilian workers,1 National Compensation

Survey, March 2009

(All workers with a fixed percent of earnings long-term disability coverage = 100 percent)

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings

Less than

60 percent 60 percent 61 to 66percent 67 percent

Greater

than 67

percent

All workers ............................................................. 21 59 12 7 2 59.1 60.0

Worker characteristics

Management, professional, and related ................ 21 56 14 7 2 59.2 60.0

Management, business, and financial ............... 19 61 12 7 1 59.3 60.0

Professional and related .................................... 21 54 14 7 3 59.2 60.0

Teachers ........................................................ 16 43 22 12 8 61.4 60.0

Primary, secondary, and special education

school teachers ........................................ 17 37 25 12 9 61.5 60.0

Registered nurses ......................................... 36 54 6 3 – 56.3 60.0

Service ................................................................... 38 46 8 6 2 57.3 60.0

Protective service .............................................. 25 48 16 – – 59.5 60.0

Sales and office ..................................................... 17 62 13 6 1 59.5 60.0

Sales and related ............................................... 19 63 11 6 1 59.1 60.0

Office and administrative support ...................... 17 62 13 7 2 59.7 60.0

Natural resources, construction, and maintenance 23 63 6 6 1 58.4 60.0

Construction, extraction, farming, fishing, and

forestry ............................................................. 21 66 6 6 – 58.3 60.0

Installation, maintenance, and repair ................. 24 62 6 7 1 58.4 60.0

Production, transportation, and material moving ... 17 68 7 5 2 59.2 60.0

Production ......................................................... 16 67 10 – – 59.2 60.0

Transportation and material moving .................. 18 70 4 5 2 59.1 60.0

Full time ................................................................. 21 59 12 7 2 59.0 60.0

Part time ................................................................ 25 53 12 6 4 59.3 60.0

Union ..................................................................... 27 46 10 10 6 59.5 60.0

Nonunion ............................................................... 20 61 12 6 1 59.0 60.0

Wage percentiles:2

Lowest 25 percent ............................................. – 58 8 6 2 58.6 60.0

Second 25 percent ............................................ 21 60 11 7 1 58.9 60.0

Third 25 percent ................................................ 19 60 12 7 2 59.3 60.0

Highest 25 percent ............................................ 22 57 12 7 2 59.0 60.0

Highest 10 percent ............................................ 22 55 13 7 3 59.1 60.0

Establishment characteristics

Goods-producing industries ................................... 18 67 9 5 1 58.9 60.0

Service-providing industries .................................. 22 57 12 7 2 59.1 60.0

Education and health services ........................... 24 53 12 8 3 58.8 60.0

Educational services ...................................... 15 45 22 12 6 61.3 60.0

Elementary and secondary schools ........... 18 34 27 14 8 61.7 60.0

Junior colleges, colleges, and universities 10 63 15 7 4 60.6 60.0

Health care and social assistance ................. 31 60 4 4 – 56.8 60.0

Hospitals .................................................... 38 57 3 2 – 55.7 60.0

Public administration ......................................... 21 46 21 – – 59.9 60.0

See footnotes at end of table.
Table 28. Long-term disability plans: Fixed percent of earnings, civilian workers,1 National Compensation

Survey, March 2009—Continued

(All workers with a fixed percent of earnings long-term disability coverage = 100 percent)

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings

Less than

60 percent 60 percent 61 to 66percent 67 percent

Greater

than 67

percent

1 to 99 workers ...................................................... 15 65 11 7 2 59.8 60.0

1 to 49 workers .................................................. 15 64 12 7 1 59.8 60.0

50 to 99 workers ................................................ 15 66 9 7 2 59.9 60.0

100 workers or more .............................................. 24 56 12 6 2 58.7 60.0

100 to 499 workers ............................................ 16 63 11 8 2 59.6 60.0

500 workers or more .......................................... 29 51 12 5 2 58.1 60.0

Geographic areas

New England ......................................................... 18 60 8 13 2 59.5 60.0

Middle Atlantic ....................................................... 18 66 9 6 2 59.4 60.0

East North Central ................................................. 26 58 7 6 4 58.7 60.0

West North Central ................................................ 14 63 10 9 4 60.0 60.0

South Atlantic ........................................................ 18 59 18 4 1 59.1 60.0

East South Central ................................................ – 51 4 – – 56.1 60.0

West South Central ............................................... 19 64 8 7 2 58.7 60.0

Mountain ................................................................ 17 57 16 – – 59.7 60.0

Pacific .................................................................... 24 48 18 7 2 59.6 60.0

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government.

See Technical Note for further explanation. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals.

Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 28. Standard errors for long-term disability plans: Fixed percent of earnings, civilian workers,1

National Compensation Survey, March 2009

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings

Less than

60 percent 60 percent 61 to 66percent 67 percent

Greater

than 67

percent

All workers ............................................................. 1.6 1.5 0.6 0.5 0.3 0.2 0.0

Worker characteristics

Management, professional, and related ................ 1.1 1.4 0.8 0.7 0.4 0.2 0.0

Management, business, and financial ............... 1.4 1.8 0.9 0.6 0.4 0.2 0.0

Professional and related .................................... 1.3 1.7 1.0 1.0 0.5 0.2 0.0

Teachers ........................................................ 1.9 2.6 2.3 1.7 1.9 0.6 0.0

Primary, secondary, and special education

school teachers ........................................ 2.5 3.2 3.1 2.0 2.0 0.7 0.4

Registered nurses ......................................... 3.8 4.0 1.8 1.4 – 0.5 0.0

Service ................................................................... 8.5 6.5 1.6 1.1 1.0 1.1 0.0

Protective service .............................................. 4.5 5.0 3.1 – – 0.6 0.0

Sales and office ..................................................... 1.1 1.2 0.9 0.6 0.3 0.2 0.0

Sales and related ............................................... 3.2 2.9 1.7 1.3 0.3 0.4 0.0

Office and administrative support ...................... 1.0 1.4 0.9 0.6 0.3 0.2 0.0

Natural resources, construction, and maintenance 3.3 3.2 1.2 1.4 0.2 0.4 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................. 4.8 5.4 1.9 2.9 – 0.6 0.0

Installation, maintenance, and repair ................. 4.2 3.7 1.3 1.3 0.4 0.5 0.0

Production, transportation, and material moving ... 1.6 2.1 1.2 0.7 0.8 0.3 0.0

Production ......................................................... 2.0 3.1 1.9 – – 0.3 0.0

Transportation and material moving .................. 2.3 2.3 0.9 1.0 0.9 0.5 0.0

Full time ................................................................. 1.7 1.5 0.6 0.5 0.2 0.2 0.0

Part time ................................................................ 3.6 5.2 2.1 1.2 1.0 0.5 0.0

Union ..................................................................... 2.8 2.4 1.2 1.6 1.1 0.5 0.0

Nonunion ............................................................... 1.6 1.5 0.7 0.5 0.2 0.2 0.0

Wage percentiles:2

Lowest 25 percent ............................................. – 7.3 1.6 1.5 1.0 1.1 0.0

Second 25 percent ............................................ 2.3 2.2 0.9 0.9 0.2 0.3 0.0

Third 25 percent ................................................ 1.2 1.4 0.8 0.6 0.3 0.2 0.0

Highest 25 percent ............................................ 1.4 1.3 0.8 0.7 0.4 0.2 0.0

Highest 10 percent ............................................ 1.6 1.7 1.1 0.8 0.5 0.3 0.0

Establishment characteristics

Goods-producing industries ................................... 1.6 1.9 1.1 0.7 0.5 0.2 0.0

Service-providing industries .................................. 1.9 1.7 0.7 0.6 0.3 0.2 0.0

Education and health services ........................... 1.7 2.0 1.2 1.1 0.6 0.3 0.0

Educational services ...................................... 1.8 2.1 2.0 1.5 1.3 0.4 0.0

Elementary and secondary schools ........... 2.5 2.6 2.9 1.9 1.7 0.6 2.1

Junior colleges, colleges, and universities 1.7 2.5 1.3 2.0 1.5 0.3 0.0

Health care and social assistance ................. 2.9 3.1 1.1 1.6 – 0.4 0.0

Hospitals .................................................... 2.9 2.9 0.8 0.6 – 0.4 0.0

Public administration ......................................... 3.0 3.5 3.1 – – 0.5 0.0

See footnotes at end of table.
Table 28. Standard errors for long-term disability plans: Fixed percent of earnings, civilian workers,1

National Compensation Survey, March 2009—Continued

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings

Less than

60 percent 60 percent 61 to 66percent 67 percent

Greater

than 67

percent

1 to 99 workers ...................................................... 2.0 2.2 1.0 0.8 0.4 0.3 0.0

1 to 49 workers .................................................. 2.9 2.9 1.4 1.3 0.3 0.4 0.0

50 to 99 workers ................................................ 1.9 2.5 1.3 1.4 0.9 0.4 0.0

100 workers or more .............................................. 2.1 1.8 0.7 0.6 0.3 0.3 0.0

100 to 499 workers ............................................ 1.2 1.7 1.0 1.1 0.5 0.2 0.0

500 workers or more .......................................... 3.2 2.6 1.1 0.7 0.4 0.4 0.0

Geographic areas

New England ......................................................... 2.2 2.9 1.6 1.5 0.6 0.3 0.0

Middle Atlantic ....................................................... 1.4 1.9 1.0 0.6 0.6 0.2 0.0

East North Central ................................................. 2.4 2.2 1.1 0.6 0.8 0.4 0.0

West North Central ................................................ 2.3 3.4 2.3 2.0 1.5 0.4 0.0

South Atlantic ........................................................ 2.8 3.4 1.9 0.5 0.1 0.3 0.0

East South Central ................................................ – 13.7 1.3 – – 1.7 1.6

West South Central ............................................... 2.8 3.7 1.3 2.4 0.8 0.5 0.0

Mountain ................................................................ 3.0 4.9 2.6 – – 0.6 0.0

Pacific .................................................................... 2.8 2.3 1.5 1.1 0.8 0.4 0.0

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government.

See Technical Note for further explanation. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet

publication criteria. For definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 29. Long-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation

Survey, March 2009

(All workers participating in fixed percent of earnings long-term disabilty plans = 100 percent)

Characteristics

With

maximum

benefit

amount

Maximum benefit amount2

With no

maximum

benefit

amount

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. 78 $3,000 $5,000 $7,000 $10,000 $15,000 22

Worker characteristics

Management, professional, and related ................ 78 3,500 5,000 7,500 10,000 15,000 22

Management, business, and financial ............... 79 4,000 5,000 10,000 12,000 17,300 21

Professional and related .................................... 77 3,000 5,000 7,000 10,000 15,000 23

Teachers ........................................................ 70 2,500 3,900 5,000 7,500 10,000 30

Primary, secondary, and special education

school teachers ........................................ 65 1,500 3,500 5,000 6,000 8,333 35

Registered nurses ......................................... 83 3,500 5,000 7,000 10,000 15,000 17

Service ................................................................... 77 3,000 5,000 6,500 10,000 13,000 23

Protective service .............................................. 68 2,000 3,900 5,000 10,000 15,000 32

Sales and office ..................................................... 81 3,000 5,000 7,500 10,000 15,000 19

Sales and related ............................................... 85 2,800 5,000 7,000 10,000 16,667 15

Office and administrative support ...................... 79 3,000 5,000 7,500 10,000 15,000 21

Natural resources, construction, and maintenance 77 2,917 4,000 5,000 10,000 12,000 23

Construction, extraction, farming, fishing, and

forestry ............................................................. 75 2,000 3,900 5,000 8,333 12,000 25

Installation, maintenance, and repair ................. 79 3,000 4,000 5,000 10,000 12,000 21

Production, transportation, and material moving ... 73 2,500 5,000 6,000 10,000 12,500 27

Production ......................................................... 78 2,917 5,000 7,000 10,000 15,000 22

Transportation and material moving .................. 67 2,500 5,000 5,000 8,333 10,000 33

Full time ................................................................. 78 3,000 5,000 7,500 10,000 15,000 22

Part time ................................................................ 66 3,000 5,000 6,000 10,000 15,000 34

Union ..................................................................... 64 2,000 4,000 5,000 7,500 10,000 36

Nonunion ............................................................... 80 3,000 5,000 7,500 10,000 15,000 20

Establishment characteristics

Goods-producing industries ................................... 80 2,500 5,000 7,500 10,000 15,000 20

Service-providing industries .................................. 77 3,000 5,000 7,000 10,000 15,000 23

Education and health services ........................... 76 3,000 5,000 5,500 10,000 10,500 24

Educational services ...................................... 71 2,500 3,900 5,000 7,500 10,000 29

Elementary and secondary schools ........... 66 1,500 3,750 5,000 6,000 8,333 34

Junior colleges, colleges, and universities 82 3,900 5,000 6,000 10,000 12,000 18

Health care and social assistance ................. 81 3,000 5,000 6,000 10,000 15,000 19

Hospitals .................................................... 84 3,000 5,000 7,500 10,000 15,000 16

Public administration ......................................... 60 2,000 3,000 5,000 6,000 9,000 40

1 to 99 workers ...................................................... 81 3,000 5,000 6,000 10,000 15,000 19

1 to 49 workers .................................................. 81 3,000 5,000 6,000 10,000 15,000 19

50 to 99 workers ................................................ 81 3,000 5,000 6,000 10,000 10,000 19

100 workers or more .............................................. 77 3,000 5,000 7,500 10,000 15,000 23

100 to 499 workers ............................................ 81 3,000 5,000 7,000 10,000 15,000 19

500 workers or more .......................................... 74 3,000 5,000 10,000 10,500 15,000 26

See footnotes at end of table.
Table 29. Long-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation

Survey, March 2009—Continued

(All workers participating in fixed percent of earnings long-term disabilty plans = 100 percent)

Characteristics

With

maximum

benefit

amount

Maximum benefit amount2

With no

maximum

benefit

amount

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic areas

New England ......................................................... 82 $3,000 $5,000 $7,000 $10,000 $15,000 18

Middle Atlantic ....................................................... 79 3,000 5,000 7,000 10,000 15,000 21

East North Central ................................................. 69 3,000 5,000 6,000 10,000 15,000 31

West North Central ................................................ 78 3,333 5,000 6,000 10,000 15,000 22

South Atlantic ........................................................ 83 3,000 4,000 6,000 10,000 15,000 17

West South Central ............................................... 78 3,000 5,000 7,500 10,000 15,000 22

Mountain ................................................................ 71 4,000 5,000 7,500 10,000 15,000 29

Pacific .................................................................... 77 4,000 5,000 10,000 10,000 17,300 23

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government.

See Technical Note for further explanation. 2 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within

each published series. For example, at the 50th percentile or median, half of

the participating workers receive the same as or more than the benefit shown,

and half receive the same as or less than the benefit shown. At the 25th

percentile, one-fourth of the participating workers receive the same or less

than the benefit shown. The remaining percentiles follow the same logic.

NOTE: Because of rounding, sums of individual items may not equal totals. For

definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 29. Standard errors for long-term disability plans: Maximum benefit amounts, civilian workers,1

National Compensation Survey, March 2009

Characteristics

With

maximum

benefit

amount

Maximum benefit amount2

With no

maximum

benefit

amount

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. 0.9 $0.00 $0.00 $547.46 $0.00 $0.00 0.9

Worker characteristics

Management, professional, and related ................ 1.1 663.50 0.00 78.10 0.00 0.00 1.1

Management, business, and financial ............... 1.4 435.62 846.50 0.00 326.73 1,616.33 1.4

Professional and related .................................... 1.3 232.83 0.00 485.88 0.00 0.00 1.3

Teachers ........................................................ 2.5 640.26 0.00 0.00 707.25 0.00 2.5

Primary, secondary, and special education

school teachers ........................................ 3.3 725.46 701.78 234.31 554.93 820.73 3.3

Registered nurses ......................................... 2.6 906.63 0.00 1,128.65 206.64 0.00 2.6

Service ................................................................... 3.6 332.12 0.00 1,701.18 0.00 3,980.16 3.6

Protective service .............................................. 4.6 806.88 971.79 1,316.21 1,923.75 4,400.85 4.6

Sales and office ..................................................... 1.1 0.00 0.00 111.25 0.00 0.00 1.1

Sales and related ............................................... 1.6 424.41 0.00 704.18 0.00 4,310.48 1.6

Office and administrative support ...................... 1.3 0.00 0.00 265.24 0.00 0.00 1.3

Natural resources, construction, and maintenance 2.6 443.30 0.00 91.07 927.06 2,118.87 2.6

Construction, extraction, farming, fishing, and

forestry ............................................................. 3.6 357.11 1,342.63 826.56 1,385.34 3,579.96 3.6

Installation, maintenance, and repair ................. 3.6 97.35 0.00 0.00 0.00 2,826.84 3.6

Production, transportation, and material moving ... 1.9 92.12 0.00 480.06 0.00 1,043.93 1.9

Production ......................................................... 2.5 587.35 0.00 720.07 0.00 954.10 2.5

Transportation and material moving .................. 2.4 196.33 156.20 1,121.42 1,687.19 0.00 2.4

Full time ................................................................. 0.9 0.00 0.00 731.57 0.00 0.00 0.9

Part time ................................................................ 2.6 0.00 1,752.43 1,081.68 0.00 518.07 2.6

Union ..................................................................... 2.1 249.37 95.66 0.00 781.02 0.00 2.1

Nonunion ............................................................... 0.9 152.68 0.00 111.64 0.00 0.00 0.9

Establishment characteristics

Goods-producing industries ................................... 2.5 532.91 0.00 467.57 593.03 0.00 2.5

Service-providing industries .................................. 1.0 0.00 0.00 558.49 0.00 0.00 1.0

Education and health services ........................... 1.6 206.64 110.45 856.00 835.55 1,834.79 1.6

Educational services ...................................... 2.4 779.33 0.00 0.00 156.20 0.00 2.4

Elementary and secondary schools ........... 3.3 525.38 727.40 275.47 39.05 665.47 3.3

Junior colleges, colleges, and universities 2.2 778.93 0.00 246.98 0.00 1,498.75 2.2

Health care and social assistance ................. 2.3 340.44 0.00 156.20 0.00 2,437.50 2.3

Hospitals .................................................... 2.3 292.23 0.00 650.40 0.00 0.00 2.3

Public administration ......................................... 3.4 1,211.70 388.65 0.00 0.00 796.49 3.4

1 to 99 workers ...................................................... 1.2 0.00 0.00 0.00 0.00 924.50 1.2

1 to 49 workers .................................................. 1.8 0.00 0.00 0.00 0.00 0.00 1.8

50 to 99 workers ................................................ 2.1 0.00 0.00 0.00 0.00 586.17 2.1

100 workers or more .............................................. 1.2 31.24 0.00 408.03 0.00 0.00 1.2

100 to 499 workers ............................................ 1.4 287.56 0.00 949.98 0.00 0.00 1.4

500 workers or more .......................................... 1.8 140.76 0.00 2,505.45 1,103.91 881.83 1.8

See footnotes at end of table.
Table 29. Standard errors for long-term disability plans: Maximum benefit amounts, civilian workers,1

National Compensation Survey, March 2009—Continued

Characteristics

With

maximum

benefit

amount

Maximum benefit amount2

With no

maximum

benefit

amount

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic areas

New England ......................................................... 3.1 $821.48 $0.00 $555.38 $0.00 $0.00 3.1

Middle Atlantic ....................................................... 2.1 0.00 0.00 568.59 135.28 0.00 2.1

East North Central ................................................. 2.2 497.18 0.00 222.13 0.00 0.00 2.2

West North Central ................................................ 3.6 670.26 0.00 0.00 0.00 552.27 3.6

South Atlantic ........................................................ 2.0 584.10 1,127.17 664.01 0.00 0.00 2.0

West South Central ............................................... 2.2 0.00 0.00 1,105.92 0.00 0.00 2.2

Mountain ................................................................ 4.3 1,365.09 78.10 1,454.40 0.00 2,209.07 4.3

Pacific .................................................................... 1.5 537.47 0.00 390.51 1,059.43 861.54 1.5

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government.

See Technical Note for further explanation. 2 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within

each published series. For example, at the 50th percentile or median, half of

the participating workers receive the same as or more than the benefit shown,

and half receive the same as or less than the benefit shown. At the 25th

percentile, one-fourth of the participating workers receive the same or less

than the benefit shown. The remaining percentiles follow the same logic.

NOTE: For definitions of major plans, key provisions, and related terms, see

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 30. Leave benefits: Access, civilian workers,1 National

Compensation Survey, March 2009

(All workers = 100 percent)

Characteristics Paid

holidays

Paid sick

leave

Paid

vacations

Paid jury

duty

leave

All workers ............................................................. 76 66 75 73

Worker characteristics

Management, professional, and related ................ 79 86 74 88

Management, business, and financial ............... 95 90 94 90

Professional and related .................................... 73 85 67 87

Teachers ........................................................ 35 84 17 89

Primary, secondary, and special education

school teachers ........................................ 32 91 13 93

Registered nurses ......................................... 82 78 80 84

Service ................................................................... 57 49 63 57

Protective service .............................................. 74 66 78 79

Sales and office ..................................................... 82 69 81 75

Sales and related ............................................... 71 56 72 67

Office and administrative support ...................... 88 76 86 79

Natural resources, construction, and maintenance 79 53 78 60

Construction, extraction, farming, fishing, and

forestry ............................................................. 67 39 66 47

Installation, maintenance, and repair ................. 92 69 91 74

Production, transportation, and material moving ... 84 53 82 70

Production ......................................................... 91 53 90 73

Transportation and material moving .................. 77 54 75 68

Full time ................................................................. 87 77 86 81

Part time ................................................................ 38 28 36 46

Union ..................................................................... 79 82 73 90

Nonunion ............................................................... 75 63 76 70

Wage percentiles:2

Lowest 10 percent ............................................. 37 22 43 38

Lowest 25 percent ............................................. 54 37 56 50

Second 25 percent ............................................ 84 68 83 76

Third 25 percent ................................................ 89 77 88 81

Highest 25 percent ............................................ 80 86 77 88

Highest 10 percent ............................................ 77 88 74 91

Establishment characteristics

Goods-producing industries ................................... 87 53 86 70

Service-providing industries .................................. 74 68 73 73

Education and health services ........................... 72 82 66 86

Educational services ...................................... 54 87 40 90

Elementary and secondary schools ........... 44 90 27 92

Junior colleges, colleges, and universities 79 86 69 91

Health care and social assistance ................. 85 78 85 82

Hospitals .................................................... 89 88 91 92

Public administration ......................................... 87 89 88 90

See footnotes at end of table.
Table 30. Leave benefits: Access, civilian workers,1 National

Compensation Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics Paid

holidays

Paid sick

leave

Paid

vacations

Paid jury

duty

leave

1 to 99 workers ...................................................... 69 53 70 59

1 to 49 workers .................................................. 68 52 69 56

50 to 99 workers ................................................ 74 56 75 67

100 workers or more .............................................. 81 77 79 85

100 to 499 workers ............................................ 81 70 80 80

500 workers or more .......................................... 82 84 78 91

Geographic areas

New England ......................................................... 75 73 73 82

Middle Atlantic ....................................................... 78 71 76 81

East North Central ................................................. 76 60 74 73

West North Central ................................................ 74 66 73 70

South Atlantic ........................................................ 78 64 78 74

East South Central ................................................ 77 63 77 72

West South Central ............................................... 75 65 75 70

Mountain ................................................................ 71 62 72 67

Pacific .................................................................... 74 70 75 67

1 Includes workers in the private nonfarm

economy except those in private households, and

workers in the public sector, except the federal

government. See Technical Note for further

explanation. 2 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 30. Standard errors for leave benefits: Access, civilian workers,1

National Compensation Survey, March 2009

Characteristics Paid

holidays

Paid sick

leave

Paid

vacations

Paid jury

duty

leave

All workers ............................................................. 0.5 0.5 0.4 0.5

Worker characteristics

Management, professional, and related ................ 0.6 0.7 0.7 0.7

Management, business, and financial ............... 0.6 0.8 0.7 0.9

Professional and related .................................... 0.8 0.8 0.8 0.8

Teachers ........................................................ 1.7 1.4 1.3 1.1

Primary, secondary, and special education

school teachers ........................................ 1.8 1.2 1.5 1.0

Registered nurses ......................................... 1.8 2.4 2.5 2.8

Service ................................................................... 1.7 1.3 1.6 1.5

Protective service .............................................. 2.8 3.0 2.6 2.4

Sales and office ..................................................... 0.6 0.7 0.6 0.7

Sales and related ............................................... 1.0 1.1 1.0 1.0

Office and administrative support ...................... 0.8 1.0 0.7 0.9

Natural resources, construction, and maintenance 1.1 1.4 1.1 1.4

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.0 1.9 1.9 1.9

Installation, maintenance, and repair ................. 1.0 1.8 1.0 1.5

Production, transportation, and material moving ... 0.9 1.2 0.9 1.1

Production ......................................................... 1.0 1.7 1.1 1.5

Transportation and material moving .................. 1.4 1.6 1.5 1.7

Full time ................................................................. 0.4 0.5 0.3 0.5

Part time ................................................................ 1.2 1.0 1.1 1.1

Union ..................................................................... 0.8 0.9 0.8 0.8

Nonunion ............................................................... 0.6 0.6 0.5 0.5

Wage percentiles:2

Lowest 10 percent ............................................. 2.5 2.1 2.2 1.8

Lowest 25 percent ............................................. 1.2 1.1 1.2 1.1

Second 25 percent ............................................ 0.8 0.9 0.6 0.8

Third 25 percent ................................................ 0.5 0.8 0.6 0.6

Highest 25 percent ............................................ 0.7 0.8 0.7 0.7

Highest 10 percent ............................................ 0.9 1.0 1.0 1.0

Establishment characteristics

Goods-producing industries ................................... 0.7 1.3 0.8 1.1

Service-providing industries .................................. 0.6 0.6 0.5 0.6

Education and health services ........................... 0.9 0.9 0.9 0.8

Educational services ...................................... 1.2 0.7 1.2 0.8

Elementary and secondary schools ........... 1.3 0.8 1.1 0.8

Junior colleges, colleges, and universities 1.2 1.2 1.7 1.1

Health care and social assistance ................. 1.0 1.4 1.1 1.3

Hospitals .................................................... 0.8 1.0 0.7 1.3

Public administration ......................................... 1.2 1.2 1.2 1.2

See footnotes at end of table.
Table 30. Standard errors for leave benefits: Access, civilian workers,1

National Compensation Survey, March 2009—Continued

Characteristics Paid

holidays

Paid sick

leave

Paid

vacations

Paid jury

duty

leave

1 to 99 workers ...................................................... 0.7 0.8 0.7 0.8

1 to 49 workers .................................................. 0.9 1.0 0.9 0.9

50 to 99 workers ................................................ 1.5 2.0 1.3 1.8

100 workers or more .............................................. 0.7 0.7 0.6 0.6

100 to 499 workers ............................................ 0.9 1.0 0.9 1.0

500 workers or more .......................................... 0.8 0.9 0.8 0.8

Geographic areas

New England ......................................................... 0.9 1.5 1.1 1.7

Middle Atlantic ....................................................... 0.8 1.6 0.7 1.2

East North Central ................................................. 0.9 1.3 0.9 1.0

West North Central ................................................ 1.6 1.4 1.4 1.7

South Atlantic ........................................................ 1.2 1.4 1.1 1.6

East South Central ................................................ 4.6 3.1 3.8 3.0

West South Central ............................................... 1.3 1.8 1.4 1.1

Mountain ................................................................ 2.4 1.9 1.9 1.6

Pacific .................................................................... 1.1 1.4 1.2 1.3

1 Includes workers in the private nonfarm

economy except those in private households, and

workers in the public sector, except the federal

government. See Technical Note for further

explanation. 2 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.
Table 31. Paid holidays: Number of days provided, civilian workers,1 National Compensation Survey, March 2009

(All workers with paid holidays = 100 percent)

Characteristics

Paid holidays

Mean

number of

days

Median

number of

days

Less

than 6

days

6

days

7

days

8

days

9

days

10

days

11

days

12

days

13

days

14

days

Greater

than 14

days

All workers ............................................................. 9 22 12 12 9 14 9 6 3 1 3 8 8

Worker characteristics

Management, professional, and related ................ 3 14 11 12 10 19 11 9 4 2 4 9 9

Management, business, and financial ............... 1 11 8 12 11 24 13 9 5 2 5 10 10

Professional and related .................................... 4 15 12 13 10 16 10 9 4 2 4 9 9

Teachers ........................................................ 11 13 6 5 7 12 16 9 5 4 11 10 10

Primary, secondary, and special education

school teachers ........................................ 13 19 6 4 – 15 12 6 5 – 12 10 10

Registered nurses ......................................... 5 34 19 15 8 7 4 5 2 1 1 8 7

Service ................................................................... 19 21 11 11 7 8 8 6 4 2 4 8 7

Protective service .............................................. 4 12 6 5 8 15 17 13 13 3 4 10 11

Sales and office ..................................................... 9 29 11 11 9 15 6 5 2 1 2 8 8

Sales and related ............................................... 17 44 11 8 6 7 3 2 2 ( ) 2 () – 7 6

Office and administrative support ...................... 5 21 11 13 10 19 8 6 3 1 2 9 8

Natural resources, construction, and maintenance 11 25 16 12 8 11 8 4 3 1 2 8 7

Construction, extraction, farming, fishing, and

forestry ............................................................. 16 27 13 12 9 9 6 4 2 1 2 8 7

Installation, maintenance, and repair ................. 7 24 18 12 8 12 9 5 3 1 2 8 8

Production, transportation, and material moving ... 9 21 12 13 11 14 9 4 2 1 3 8 8

Production ......................................................... 7 14 12 13 12 16 11 6 3 1 4 9 9

Transportation and material moving .................. 11 29 11 14 10 11 6 3 1 1 2 8 7

Full time ................................................................. 7 20 12 12 10 15 9 7 3 1 3 9 8

Part time ................................................................ 27 32 9 9 5 8 3 2 1 1 2 7 6

Union ..................................................................... 3 11 7 9 9 14 14 12 9 3 7 10 10

Nonunion ............................................................... 10 24 12 13 9 14 8 5 2 1 2 8 8

Wage percentiles:3

Lowest 10 percent ............................................. 38 30 11 9 5 2 3 1 – – – 6 6

Lowest 25 percent ............................................. 24 34 12 10 6 7 4 2 2 ( ) 2 () 1 7 6

Second 25 percent ............................................ 9 26 13 13 10 13 7 4 2 1 2 8 8

Third 25 percent ................................................ 5 17 11 12 10 17 11 7 4 2 3 9 9

Highest 25 percent ............................................ 3 12 10 12 10 19 11 10 5 2 5 10 10

Highest 10 percent ............................................ 2 9 9 12 11 21 13 11 5 2 5 10 10

Establishment characteristics

Goods-producing industries ................................... 7 16 10 12 12 17 12 7 3 1 3 9 9

Service-providing industries .................................. 10 23 12 12 8 14 8 6 3 1 3 8 8

Education and health services ........................... 6 23 12 12 7 10 8 7 4 3 7 9 8

Educational services ...................................... 6 6 3 5 7 13 14 11 10 7 16 11 11

Elementary and secondary schools ........... 9 11 4 3 7 13 12 10 10 6 15 11 11

Junior colleges, colleges, and universities 2 1 2 8 7 10 17 14 12 10 18 12 12

Health care and social assistance ................. 6 31 16 15 8 9 5 4 1 1 3 8 7

Hospitals .................................................... 5 36 18 15 7 5 4 6 2 1 1 8 7

Public administration ......................................... 2 ( ) – – 1 9 16 22 24 18 4 4 11 12

See footnotes at end of table.
Table 31. Paid holidays: Number of days provided, civilian workers,1 National Compensation Survey, March

2009—Continued

(All workers with paid holidays = 100 percent)

Characteristics

Paid holidays

Mean

number of

days

Median

number of

days

Less

than 6

days

6

days

7

days

8

days

9

days

10

days

11

days

12

days

13

days

14

days

Greater

than 14

days

1 to 99 workers ...................................................... 13 25 15 12 9 14 5 3 1 1 1 8 7

1 to 49 workers .................................................. 14 25 15 13 9 14 5 3 1 1 1 8 7

50 to 99 workers ................................................ 12 24 16 12 11 12 7 4 1 1 1 8 7

100 workers or more .............................................. 6 19 9 12 9 15 11 8 5 2 4 9 9

100 to 499 workers ............................................ 7 24 11 13 10 13 10 6 3 1 2 8 8

500 workers or more .......................................... 5 15 7 10 8 16 12 11 6 3 6 10 10

Geographic areas

New England ......................................................... 5 14 7 9 9 23 15 11 4 1 3 9 10

Middle Atlantic ....................................................... 7 16 11 11 10 13 10 10 4 2 5 9 9

East North Central ................................................. 7 24 14 11 10 14 6 5 2 2 4 8 8

West North Central ................................................ 7 28 15 12 7 12 11 4 2 1 1 8 8

South Atlantic ........................................................ 11 24 11 10 9 15 9 7 2 1 1 8 8

East South Central ................................................ 20 23 9 16 5 9 5 5 1 1 5 8 7

West South Central ............................................... 13 22 11 11 11 14 8 3 2 1 4 8 8

Mountain ................................................................ 8 24 11 18 8 13 10 4 3 – 1 8 8

Pacific .................................................................... 8 17 11 14 9 16 8 6 6 2 2 9 9

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government. See

Technical Note for further explanation. 2 Less than 0.5 percent. 3 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dash

indicates no workers in this category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 31. Standard errors for paid holidays: Number of days provided, civilian workers,1 National Compensation Survey,

March 2009

Characteristics

Paid holidays

Mean

number of

days

Median

number of

days

Less

than 6

days

6

days

7

days

8

days

9

days

10

days

11

days

12

days

13

days

14

days

Greater

than 14

days

All workers ............................................................. 0.5 0.5 0.5 0.4 0.4 0.5 0.4 0.3 0.2 0.1 0.2 0.1 0.0

Worker characteristics

Management, professional, and related ................ 0.4 0.7 0.7 0.8 0.7 0.9 0.7 0.6 0.3 0.2 0.5 0.1 0.8

Management, business, and financial ............... 0.3 0.8 0.7 0.9 0.8 1.3 1.1 0.7 0.4 0.3 1.1 0.3 0.0

Professional and related .................................... 0.5 0.8 0.9 1.0 0.8 1.1 0.8 0.7 0.4 0.3 0.4 0.1 0.0

Teachers ........................................................ 1.4 2.5 1.7 1.4 1.3 1.8 2.4 1.2 1.4 1.5 1.9 0.3 0.2

Primary, secondary, and special education

school teachers ........................................ 2.0 3.9 2.2 1.7 – 2.7 2.5 1.4 2.1 – 2.4 0.4 0.4

Registered nurses ......................................... 1.1 3.1 2.4 2.1 1.3 1.3 0.9 1.0 0.4 0.3 0.4 0.1 0.0

Service ................................................................... 2.1 1.1 1.0 1.0 0.9 0.8 0.8 0.6 0.4 0.2 0.6 0.2 0.4

Protective service .............................................. 1.1 2.4 2.2 1.7 1.8 2.0 1.8 2.0 1.4 0.8 0.9 0.2 1.4

Sales and office ..................................................... 0.6 0.9 0.7 0.7 0.5 0.5 0.4 0.3 0.2 0.1 0.2 0.1 0.7

Sales and related ............................................... 1.2 1.5 1.0 0.8 0.6 0.8 0.4 0.5 2 ( ) 2 ( ) – 0.1 0.0

Office and administrative support ...................... 0.6 0.9 0.9 0.8 0.7 0.7 0.5 0.4 0.3 0.1 0.3 0.1 0.1

Natural resources, construction, and maintenance 1.0 1.4 1.1 1.1 0.8 0.8 0.6 0.4 0.4 0.1 0.2 0.1 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................. 1.9 2.0 1.6 1.5 1.4 1.1 0.9 0.6 0.3 0.2 0.3 0.1 0.0

Installation, maintenance, and repair ................. 1.1 1.6 1.5 1.4 0.7 1.1 0.8 0.5 0.6 0.2 0.3 0.1 1.1

Production, transportation, and material moving ... 0.8 1.2 0.8 0.9 0.9 0.7 0.6 0.5 0.4 0.2 0.3 0.1 0.0

Production ......................................................... 1.1 1.7 1.1 1.1 1.1 1.0 0.9 0.9 0.6 0.3 0.5 0.1 0.0

Transportation and material moving .................. 1.3 1.7 1.1 1.1 1.0 1.0 0.8 0.5 0.2 0.2 0.3 0.1 0.0

Full time ................................................................. 0.5 0.5 0.5 0.4 0.4 0.5 0.4 0.3 0.2 0.1 0.2 0.1 0.0

Part time ................................................................ 1.7 1.6 0.9 0.8 0.7 0.9 0.6 0.3 0.2 0.1 0.5 0.1 0.0

Union ..................................................................... 0.5 0.9 0.7 0.7 1.0 0.9 1.2 0.8 0.6 0.3 0.5 0.1 0.0

Nonunion ............................................................... 0.6 0.6 0.6 0.5 0.4 0.5 0.4 0.3 0.2 0.1 0.2 0.1 0.0

Wage percentiles:3

Lowest 10 percent ............................................. 3.5 2.0 1.7 1.4 1.6 0.6 1.0 0.5 – – – 0.2 0.0

Lowest 25 percent ............................................. 1.5 1.2 1.0 0.8 0.7 0.8 0.6 0.3 2 ( ) 2 ( ) 0.4 0.1 0.0

Second 25 percent ............................................ 0.6 0.8 0.6 0.7 0.6 0.5 0.5 0.3 0.2 0.1 0.3 0.1 0.0

Third 25 percent ................................................ 0.4 0.6 0.7 0.6 0.6 0.6 0.7 0.5 0.3 0.2 0.3 0.1 0.0

Highest 25 percent ............................................ 0.2 0.7 0.5 0.7 0.5 0.9 0.7 0.6 0.3 0.2 0.5 0.1 0.0

Highest 10 percent ............................................ 0.3 1.1 0.9 0.9 0.9 1.3 1.1 0.7 0.3 0.3 0.7 0.1 0.0

Establishment characteristics

Goods-producing industries ................................... 0.7 1.1 0.8 0.9 0.9 0.9 0.8 0.7 0.5 0.2 0.4 0.1 0.0

Service-providing industries .................................. 0.6 0.6 0.5 0.5 0.4 0.5 0.5 0.3 0.2 0.1 0.3 0.1 0.0

Education and health services ........................... 0.6 1.4 1.1 1.2 0.9 0.9 1.0 0.5 0.3 0.3 0.8 0.2 0.0

Educational services ...................................... 0.8 0.9 0.9 1.2 0.8 1.5 1.9 0.9 0.8 0.8 1.4 0.1 0.0

Elementary and secondary schools ........... 1.2 1.7 1.1 0.6 0.9 1.6 1.5 1.1 1.1 1.2 1.4 0.2 0.2

Junior colleges, colleges, and universities 0.6 0.2 1.0 2.6 1.6 2.8 4.1 1.8 1.2 1.3 2.7 0.2 0.7

Health care and social assistance ................. 0.8 1.9 1.6 1.7 1.3 1.2 1.0 0.5 0.3 0.1 0.9 0.3 0.0

Hospitals .................................................... 0.9 2.2 1.6 1.7 0.9 0.9 1.3 0.9 0.5 0.2 0.3 0.1 0.0

Public administration ......................................... 2 ( ) – – 0.3 2.4 1.8 1.7 2.1 1.3 0.5 0.6 0.1 0.7

See footnotes at end of table.
Table 31. Standard errors for paid holidays: Number of days provided, civilian workers,1 National Compensation Survey,

March 2009—Continued

Characteristics

Paid holidays

Mean

number of

days

Median

number of

days

Less

than 6

days

6

days

7

days

8

days

9

days

10

days

11

days

12

days

13

days

14

days

Greater

than 14

days

1 to 99 workers ...................................................... 0.6 0.8 0.9 0.7 0.6 0.7 0.4 0.4 0.1 0.1 0.2 0.0 0.0

1 to 49 workers .................................................. 0.8 1.0 1.0 0.9 0.8 0.9 0.5 0.4 0.2 0.1 0.3 0.1 0.0

50 to 99 workers ................................................ 0.9 1.3 1.4 1.4 1.2 0.9 0.9 1.0 0.2 0.2 0.3 0.1 0.1

100 workers or more .............................................. 0.8 0.6 0.5 0.5 0.6 0.6 0.6 0.4 0.3 0.2 0.4 0.1 0.0

100 to 499 workers ............................................ 0.7 1.0 0.8 0.8 0.8 0.8 0.7 0.6 0.3 0.1 0.7 0.2 0.0

500 workers or more .......................................... 1.5 0.9 0.7 0.8 0.8 1.0 1.0 0.7 0.4 0.3 0.5 0.2 0.0

Geographic areas

New England ......................................................... 0.7 1.2 0.8 1.3 1.2 1.4 1.4 1.8 0.6 0.1 0.5 0.1 0.0

Middle Atlantic ....................................................... 1.3 1.0 1.0 1.2 1.0 1.2 0.5 0.7 0.5 0.3 1.0 0.3 0.0

East North Central ................................................. 0.9 1.7 1.5 1.0 1.1 1.3 0.6 0.5 0.4 0.2 0.5 0.1 0.0

West North Central ................................................ 1.1 2.6 2.1 1.1 1.1 1.0 2.8 1.1 0.5 0.5 0.3 0.1 0.8

South Atlantic ........................................................ 1.2 1.4 1.2 1.1 0.9 0.8 0.7 0.9 0.3 0.3 0.2 0.1 0.0

East South Central ................................................ 4.9 2.0 2.3 2.0 1.3 1.7 1.4 1.3 0.5 0.2 1.8 0.5 0.7

West South Central ............................................... 1.2 1.4 1.2 1.2 1.5 1.7 1.4 0.5 0.4 0.2 0.6 0.1 0.0

Mountain ................................................................ 1.2 2.7 1.9 2.9 0.7 1.5 1.8 1.1 0.8 – 0.5 0.1 0.0

Pacific .................................................................... 0.7 1.0 1.3 1.1 0.8 1.2 0.7 0.5 0.4 0.3 0.5 0.1 1.0

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government. See

Technical Note for further explanation. 2 Less than 0.05. 3 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 32. Paid sick leave: Type of provision, civilian workers,1 National

Compensation Survey, March 2009

(All workers with paid sick leave = 100 percent)

Characteristics

Sick leave provision

Fixed numer

of days per

year2

As needed3 Other basis4

All workers ............................................................. 71 8 21

Worker characteristics

Management, professional, and related ................ 70 10 20

Management, business, and financial ............... 69 11 21

Professional and related .................................... 70 10 20

Teachers ........................................................ 82 4 14

Primary, secondary, and special education

school teachers ........................................ 83 3 14

Registered nurses ......................................... 64 5 31

Service ................................................................... 71 4 25

Protective service .............................................. 77 6 17

Sales and office ..................................................... 73 8 19

Sales and related ............................................... 78 9 13

Office and administrative support ...................... 70 8 22

Natural resources, construction, and maintenance 68 11 20

Construction, extraction, farming, fishing, and

forestry ............................................................. 71 12 17

Installation, maintenance, and repair ................. 67 11 23

Production, transportation, and material moving ... 75 6 19

Production ......................................................... 72 6 22

Transportation and material moving .................. 77 7 16

Full time ................................................................. 71 8 20

Part time ................................................................ 71 7 22

Union ..................................................................... 79 6 15

Nonunion ............................................................... 69 9 22

Wage percentiles:5

Lowest 10 percent ............................................. 64 9 27

Lowest 25 percent ............................................. 72 6 21

Second 25 percent ............................................ 72 6 22

Third 25 percent ................................................ 72 8 20

Highest 25 percent ............................................ 69 11 20

Highest 10 percent ............................................ 71 12 17

Establishment characteristics

Goods-producing industries ................................... 67 12 21

Service-providing industries .................................. 72 8 20

Education and health services ........................... 72 4 24

Educational services ...................................... 83 4 14

Elementary and secondary schools ........... 83 2 15

Junior colleges, colleges, and universities 82 6 12

Health care and social assistance ................. 63 4 33

Hospitals .................................................... 59 3 38

Public administration ......................................... 80 5 15

See footnotes at end of table.
Table 32. Paid sick leave: Type of provision, civilian workers,1 National

Compensation Survey, March 2009—Continued

(All workers with paid sick leave = 100 percent)

Characteristics

Sick leave provision

Fixed numer

of days per

year2

As needed3 Other basis4

1 to 99 workers ...................................................... 71 12 18

1 to 49 workers .................................................. 69 14 17

50 to 99 workers ................................................ 75 6 18

100 workers or more .............................................. 72 6 22

100 to 499 workers ............................................ 72 7 21

500 workers or more .......................................... 71 6 23

Geographic areas

New England ......................................................... 66 11 23

Middle Atlantic ....................................................... 77 9 13

East North Central ................................................. 68 9 23

West North Central ................................................ 73 9 18

South Atlantic ........................................................ 69 7 24

East South Central ................................................ 60 – –

West South Central ............................................... 74 7 19

Mountain ................................................................ 73 8 20

Pacific .................................................................... 74 8 18

1 Includes workers in the private nonfarm

economy except those in private households, and

workers in the public sector, except the federal

government. See Technical Note for further

explanation. 2 Employees earn or accrue a specified number

of sick leave days per year. This number may vary

by length of service. 3 Plan does not specify maximum number of

days. 4 Includes sick leave plans, such as those

available as part of consolidated leave plans, which

may also provide vacations, personal leave, etc. 5 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual

items may not equal totals. Dash indicates no

workers in this category or data did not meet

publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 32. Standard errors for paid sick leave: Type of provision, civilian

workers,1 National Compensation Survey, March 2009

Characteristics

Sick leave provision

Fixed numer

of days per

year2

As needed3 Other basis4

All workers ............................................................. 0.9 0.4 0.9

Worker characteristics

Management, professional, and related ................ 0.9 0.7 0.9

Management, business, and financial ............... 1.5 0.7 1.5

Professional and related .................................... 1.1 0.9 1.0

Teachers ........................................................ 1.5 0.5 1.4

Primary, secondary, and special education

school teachers ........................................ 1.9 0.6 1.8

Registered nurses ......................................... 2.5 1.9 2.3

Service ................................................................... 3.1 0.5 3.2

Protective service .............................................. 2.6 0.7 2.6

Sales and office ..................................................... 0.9 0.6 0.7

Sales and related ............................................... 1.5 0.8 1.3

Office and administrative support ...................... 1.0 0.7 0.9

Natural resources, construction, and maintenance 1.9 1.1 1.7

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.5 2.0 1.9

Installation, maintenance, and repair ................. 2.5 1.3 2.3

Production, transportation, and material moving ... 1.4 0.6 1.3

Production ......................................................... 1.8 0.8 1.8

Transportation and material moving .................. 1.5 0.9 1.4

Full time ................................................................. 0.9 0.4 1.0

Part time ................................................................ 1.7 0.8 1.6

Union ..................................................................... 1.2 0.9 1.0

Nonunion ............................................................... 1.0 0.5 1.0

Wage percentiles:5

Lowest 10 percent ............................................. 7.5 1.6 8.2

Lowest 25 percent ............................................. 2.9 0.7 3.0

Second 25 percent ............................................ 1.4 0.6 1.3

Third 25 percent ................................................ 0.9 0.5 0.8

Highest 25 percent ............................................ 0.9 0.6 0.8

Highest 10 percent ............................................ 1.1 1.0 0.9

Establishment characteristics

Goods-producing industries ................................... 1.5 1.0 1.3

Service-providing industries .................................. 1.0 0.5 1.0

Education and health services ........................... 1.3 0.6 1.3

Educational services ...................................... 1.4 0.4 1.2

Elementary and secondary schools ........... 1.7 0.5 1.6

Junior colleges, colleges, and universities 1.9 0.7 1.6

Health care and social assistance ................. 2.1 1.1 2.1

Hospitals .................................................... 2.1 0.9 2.2

Public administration ......................................... 1.4 0.8 1.3

See footnotes at end of table.
Table 32. Standard errors for paid sick leave: Type of provision, civilian

workers,1 National Compensation Survey, March 2009—Continued

Characteristics

Sick leave provision

Fixed numer

of days per

year2

As needed3 Other basis4

1 to 99 workers ...................................................... 1.4 0.8 1.2

1 to 49 workers .................................................. 1.7 1.1 1.4

50 to 99 workers ................................................ 2.2 0.8 2.0

100 workers or more .............................................. 1.2 0.4 1.3

100 to 499 workers ............................................ 1.2 0.7 1.3

500 workers or more .......................................... 2.0 0.5 2.1

Geographic areas

New England ......................................................... 4.4 0.9 4.3

Middle Atlantic ....................................................... 1.0 0.9 1.1

East North Central ................................................. 2.0 1.2 1.5

West North Central ................................................ 1.8 1.6 1.7

South Atlantic ........................................................ 1.6 0.9 1.3

East South Central ................................................ 9.6 – –

West South Central ............................................... 1.6 0.9 1.3

Mountain ................................................................ 2.4 1.9 2.2

Pacific .................................................................... 1.3 1.1 1.3

1 Includes workers in the private nonfarm

economy except those in private households, and

workers in the public sector, except the federal

government. See Technical Note for further

explanation. 2 Employees earn or accrue a specified number

of sick leave days per year. This number may vary

by length of service. 3 Plan does not specify maximum number of

days. 4 Includes sick leave plans, such as those

available as part of consolidated leave plans, which

may also provide vacations, personal leave, etc. 5 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category

or data did not meet publication criteria. For

definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee

Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 33. Paid sick leave: Number of annual days by service requirement,1 civilian workers,2 National

Compensation Survey, March 2009

(All workers with fixed number of days per year sick leave plans = 100 percent)

Characteristics

Paid sick leave days by length of service3

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 29

days

Greater

than 29

days

After 1 year

All workers ............................................................. 16 46 31 6186

Full time ................................................................. 14 46 32 6196

Part time ................................................................ 28 45 23 4–76

Union ..................................................................... 13 25 48 13 4 ( ) 10 10

Nonunion ............................................................... 16 52 27 4186

1 to 99 workers ...................................................... 22 56 20 3–75

1 to 49 workers .................................................. 23 55 20 2–75

50 to 99 workers ................................................ 20 57 19 4–76

100 workers or more .............................................. 12 41 38 8199

100 to 499 workers ............................................ 15 52 27 6 4 () 8 6

500 workers or more .......................................... 10 31 47 10 2 11 10

After 5 years

All workers ............................................................. 14 46 32 7196

Full time ................................................................. 13 46 33 7197

Part time ................................................................ 27 45 24 4–76

Union ..................................................................... 12 25 48 14 1 10 10

Nonunion ............................................................... 15 51 28 5186

1 to 99 workers ...................................................... 20 54 22 4 4 () 7 6

1 to 49 workers .................................................. 21 53 23 3 4 () 7 5

50 to 99 workers ................................................ 18 56 20 6–76

100 workers or more .............................................. 11 41 38 9 2 10 9

100 to 499 workers ............................................ 14 52 26 7186

500 workers or more .......................................... 9 32 47 10 3 11 10

See footnotes at end of table.
Table 33. Paid sick leave: Number of annual days by service requirement,1 civilian workers,2 National

Compensation Survey, March 2009—Continued

(All workers with fixed number of days per year sick leave plans = 100 percent)

Characteristics

Paid sick leave days by length of service3

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 29

days

Greater

than 29

days

After 10 years

All workers ............................................................. 14 45 32 7197

Full time ................................................................. 13 45 33 8297

Part time ................................................................ 27 44 25 4–76

Union ..................................................................... 12 25 47 14 1 10 10

Nonunion ............................................................... 15 51 28 5296

1 to 99 workers ...................................................... 20 53 22 4 4 () 7 6

1 to 49 workers .................................................. 20 53 23 4175

50 to 99 workers ................................................ 18 56 20 6–76

100 workers or more .............................................. 11 40 38 9 2 10 9

100 to 499 workers ............................................ 14 52 27 7196

500 workers or more .......................................... 9 32 47 10 3 12 10

After 20 years

All workers ............................................................. 14 45 32 7297

Full time ................................................................. 13 45 33 8 2 10 7

Part time ................................................................ 27 44 25 4–76

Union ..................................................................... 12 25 48 14 1 11 10

Nonunion ............................................................... 15 51 28 5296

1 to 99 workers ...................................................... 20 53 22 4 4 () 7 6

1 to 49 workers .................................................. 20 53 23 4175

50 to 99 workers ................................................ 18 55 21 6–76

100 workers or more .............................................. 11 40 38 9 2 11 9

100 to 499 workers ............................................ 13 52 27 7196

500 workers or more .......................................... 9 31 47 11 3 12 10

1 Employees either are granted a specific number of days after completion

of the indicated length of service or accrue days during the next 12-month

period. The total number of days is assumed to be available for use

immediately upon completion of the service interval. Periods of service are

chosen arbitrarily and do not necessarily reflect individual provisions for

progression. 2 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government.

See Technical Note for further explanation.

3 Employees eligible for paid sick leave but who have not fulfilled the

minimum service requirement are included as receiving 0 days. 4 Less than 0.5 percent.

NOTE: Because of rounding, sums of individual items may not equal totals.

Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 33. Standard errors for paid sick leave: Number of annual days by service requirement,1 civilian

workers,2 National Compensation Survey, March 2009

Characteristics

Paid sick leave days by length of service3

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 29

days

Greater

than 29

days

After 1 year

All workers ............................................................. 0.6 0.7 0.8 0.4 0.1 0.2 0.0

Full time ................................................................. 0.6 0.8 0.8 0.4 0.1 0.2 0.0

Part time ................................................................ 1.8 1.7 1.4 0.6 – 0.1 0.0

Union ..................................................................... 1.2 1.2 1.4 0.9 4 ( ) 0.2 0.0

Nonunion ............................................................... 0.6 0.8 0.8 0.4 0.1 0.2 0.0

1 to 99 workers ...................................................... 0.8 1.1 1.1 0.5 – 0.2 0.0

1 to 49 workers .................................................. 1.1 1.4 1.3 0.4 – 0.2 0.0

50 to 99 workers ................................................ 1.7 2.3 1.9 0.9 – 0.2 0.0

100 workers or more .............................................. 0.8 1.0 1.0 0.5 0.2 0.2 0.8

100 to 499 workers ............................................ 1.0 1.6 1.5 0.6 4 ( ) 0.1 0.0

500 workers or more .......................................... 1.2 1.1 1.3 0.8 0.3 0.4 0.0

After 5 years

All workers ............................................................. 0.6 0.8 0.8 0.4 0.2 0.2 0.6

Full time ................................................................. 0.6 0.8 0.9 0.4 0.2 0.2 0.2

Part time ................................................................ 1.9 1.7 1.4 0.6 – 0.1 0.0

Union ..................................................................... 1.3 1.1 1.4 1.0 0.2 0.2 0.0

Nonunion ............................................................... 0.6 0.9 0.9 0.4 0.2 0.2 0.0

1 to 99 workers ...................................................... 0.8 1.1 1.1 0.5 4 ( ) 0.2 0.7

1 to 49 workers .................................................. 1.0 1.3 1.3 0.5 4 ( ) 0.3 0.0

50 to 99 workers ................................................ 1.6 2.2 1.8 1.1 – 0.2 0.0

100 workers or more .............................................. 0.8 1.0 1.0 0.5 0.3 0.2 0.1

100 to 499 workers ............................................ 1.0 1.6 1.5 0.7 0.4 0.2 0.0

500 workers or more .......................................... 1.2 1.1 1.3 0.8 0.4 0.4 0.0

See footnotes at end of table.
Table 33. Standard errors for paid sick leave: Number of annual days by service requirement,1 civilian

workers,2 National Compensation Survey, March 2009—Continued

Characteristics

Paid sick leave days by length of service3

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 29

days

Greater

than 29

days

After 10 years

All workers ............................................................. 0.6 0.8 0.8 0.4 0.2 0.2 0.6

Full time ................................................................. 0.6 0.8 0.8 0.4 0.2 0.2 0.0

Part time ................................................................ 1.8 1.8 1.5 0.6 – 0.2 0.0

Union ..................................................................... 1.3 1.1 1.4 0.9 0.2 0.3 0.0

Nonunion ............................................................... 0.6 0.9 0.9 0.4 0.2 0.2 0.0

1 to 99 workers ...................................................... 0.8 1.1 1.1 0.5 4 ( ) 0.2 0.4

1 to 49 workers .................................................. 1.0 1.4 1.4 0.5 0.2 0.3 0.3

50 to 99 workers ................................................ 1.6 2.3 1.9 1.0 – 0.2 0.0

100 workers or more .............................................. 0.8 1.1 1.0 0.5 0.3 0.3 0.4

100 to 499 workers ............................................ 1.0 1.6 1.6 0.7 0.4 0.3 0.0

500 workers or more .......................................... 1.1 1.3 1.3 0.7 0.4 0.4 0.0

After 20 years

All workers ............................................................. 0.6 0.8 0.8 0.4 0.2 0.2 0.6

Full time ................................................................. 0.6 0.8 0.8 0.4 0.2 0.2 0.0

Part time ................................................................ 1.8 1.8 1.5 0.6 – 0.2 0.0

Union ..................................................................... 1.2 1.1 1.4 0.9 0.3 0.3 0.0

Nonunion ............................................................... 0.6 0.9 0.9 0.4 0.2 0.2 0.0

1 to 99 workers ...................................................... 0.8 1.1 1.1 0.5 4 ( ) 0.2 0.3

1 to 49 workers .................................................. 1.0 1.4 1.4 0.5 0.2 0.3 0.4

50 to 99 workers ................................................ 1.7 2.3 1.8 1.0 – 0.2 0.0

100 workers or more .............................................. 0.8 1.1 1.0 0.5 0.3 0.3 0.7

100 to 499 workers ............................................ 1.0 1.6 1.6 0.7 0.4 0.4 0.0

500 workers or more .......................................... 1.1 1.3 1.3 0.7 0.4 0.5 0.0

1 Employees either are granted a specific number of days after completion

of the indicated length of service or accrue days during the next 12-month

period. The total number of days is assumed to be available for use

immediately upon completion of the service interval. Periods of service are

chosen arbitrarily and do not necessarily reflect individual provisions for

progression. 2 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government.

See Technical Note for further explanation.

3 Employees eligible for paid sick leave but who have not fulfilled the

minimum service requirement are included as receiving 0 days. 4 Less than 0.05.

NOTE: Dash indicates no workers in this category or data did not meet

publication criteria. For definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 34. Paid vacations:1 Number of annual days by service requirement, civilian workers,2 National Compensation

Survey, March 2009

(All workers with paid vacations = 100 percent)

Characteristics

Paid vacations days by length of service3

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 19

days

20 to 24

days

Greater

than 24

days

After 1 year

All workers ............................................................. 7 35 39 11 6 2 10 10

Full time ................................................................. 4 34 42 12 6 2 10 10

Part time ................................................................ 27 45 18 45175

Union ..................................................................... 4 34 45 9 5 2 10 10

Nonunion ............................................................... 7 36 38 11 6 2 10 10

1 to 99 workers ...................................................... 9 46 35 73185

1 to 49 workers .................................................. 9 46 35 7 3 4 () 8 5

50 to 99 workers ................................................ 8 45 37 72–87

100 workers or more .............................................. 5 27 42 14 8 3 11 10

100 to 499 workers ............................................ 7 37 38 11 4 2 9 10

500 workers or more .......................................... 4 17 45 18 12 4 13 10

After 5 years

All workers ............................................................. 2 9 36 36 11 6 14 15

Full time ................................................................. 1 7 36 38 12 6 14 15

Part time ................................................................ 11 28 32 18 4 6 11 10

Union ..................................................................... 1 6 38 41 8 6 14 15

Nonunion ............................................................... 2 10 36 34 12 6 14 15

1 to 99 workers ...................................................... 3 15 42 31 7 2 12 10

1 to 49 workers .................................................. 3 17 41 30 7 3 12 10

50 to 99 workers ................................................ 2 10 45 34 7 2 12 11

100 workers or more .............................................. 2 5 31 39 14 9 15 15

100 to 499 workers ............................................ 2 7 39 36 10 5 14 15

500 workers or more .......................................... 1 3 24 41 19 12 17 15

See footnotes at end of table.
Table 34. Paid vacations:1 Number of annual days by service requirement, civilian workers,2 National Compensation

Survey, March 2009—Continued

(All workers with paid vacations = 100 percent)

Characteristics

Paid vacations days by length of service3

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 19

days

20 to 24

days

Greater

than 24

days

After 10 years

All workers ............................................................. 2 7 15 43 23 12 17 15

Full time ................................................................. 1 5 14 44 24 12 17 15

Part time ................................................................ 10 21 18 31 12 8 13 15

Union ..................................................................... 1 3 9 55 22 9 17 15

Nonunion ............................................................... 2 7 16 40 23 12 17 15

1 to 99 workers ...................................................... 2 12 22 40 18 5 14 15

1 to 49 workers .................................................. 3 13 25 37 17 5 14 15

50 to 99 workers ................................................ 2 9 17 47 21 5 15 15

100 workers or more .............................................. 1 3 9 45 26 16 18 17

100 to 499 workers ............................................ 2 4 11 51 22 10 17 15

500 workers or more .......................................... 1 2 7 38 29 22 20 20

After 20 years

All workers ............................................................. 2 6 12 17 38 25 19 20

Full time ................................................................. 1 5 12 17 40 26 20 20

Part time ................................................................ 10 18 15 15 26 16 15 15

Union ..................................................................... 1 2 5 11 46 35 22 21

Nonunion ............................................................... 2 7 13 18 37 23 19 20

1 to 99 workers ...................................................... 2 11 20 24 30 13 16 15

1 to 49 workers .................................................. 2 13 22 23 28 12 16 15

50 to 99 workers ................................................ 2 8 14 24 36 16 17 20

100 workers or more .............................................. 1 2 6 12 44 34 22 20

100 to 499 workers ............................................ 2 3 8 16 47 24 20 20

500 workers or more .......................................... 1 1 4 8 42 43 23 23

1 Employees either are granted a specific number of days after completion of the

indicated length of service or accrue days during the next 12-month period. The total

number of days is assumed to be available for use immediately upon completion of the

service interval. Periods of service are chosen arbitrarily and do not necessarily reflect

individual provisions for progression. Fractional vacation amounts were rounded to the

nearest full number of days. 2 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government. See

Technical Note for further explanation.

3 Employees eligible for paid vacations but who have not fulfilled the minimum

service requirement are included as receiving 0 days. 4 Less than 0.5 percent.

NOTE: Because of rounding, sums of individual items may not equal totals. Dash

indicates no workers in this category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 34. Standard errors for paid vacations: Number of annual days by service requirement,1 civilian workers,2 National

Compensation Survey, March 2009

Characteristics

Paid vacations days by length of service3

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 19

days

20 to 24

days

Greater

than 24

days

After 1 year

All workers ............................................................. 0.4 0.6 0.5 0.5 0.3 0.2 0.1 0.0

Full time ................................................................. 0.3 0.6 0.6 0.5 0.3 0.2 0.1 0.0

Part time ................................................................ 1.5 1.4 1.2 0.5 0.7 0.3 0.2 0.0

Union ..................................................................... 0.5 1.5 1.3 0.9 0.7 0.4 0.1 0.0

Nonunion ............................................................... 0.4 0.6 0.6 0.5 0.3 0.2 0.1 0.0

1 to 99 workers ...................................................... 0.6 1.0 1.0 0.6 0.3 0.1 0.1 0.8

1 to 49 workers .................................................. 0.6 1.1 1.1 0.8 0.4 4 ( ) 0.1 0.3

50 to 99 workers ................................................ 1.1 1.8 2.3 0.8 0.5 – 0.2 1.7

100 workers or more .............................................. 0.4 0.8 0.8 0.7 0.4 0.4 0.1 0.0

100 to 499 workers ............................................ 0.7 1.3 1.2 0.9 0.4 0.6 0.2 0.0

500 workers or more .......................................... 0.5 1.1 0.9 0.9 0.8 0.4 0.2 0.2

After 5 years

All workers ............................................................. 0.2 0.3 0.6 0.5 0.5 0.3 0.1 0.0

Full time ................................................................. 0.1 0.3 0.6 0.5 0.5 0.3 0.1 0.0

Part time ................................................................ 1.2 1.4 1.5 1.2 0.8 0.7 0.2 0.0

Union ..................................................................... 0.2 0.6 1.2 1.2 0.7 0.7 0.1 0.0

Nonunion ............................................................... 0.2 0.4 0.6 0.6 0.5 0.3 0.1 0.0

1 to 99 workers ...................................................... 0.3 0.6 0.8 0.8 0.5 0.3 0.1 0.0

1 to 49 workers .................................................. 0.3 0.7 1.0 0.9 0.6 0.5 0.1 0.0

50 to 99 workers ................................................ 0.4 1.1 1.4 1.8 1.1 0.3 0.2 1.3

100 workers or more .............................................. 0.3 0.4 0.8 0.8 0.7 0.4 0.1 0.0

100 to 499 workers ............................................ 0.5 0.6 1.2 1.3 0.7 0.6 0.2 0.2

500 workers or more .......................................... 0.3 0.4 0.9 1.0 1.1 0.6 0.2 0.0

See footnotes at end of table.
Table 34. Standard errors for paid vacations: Number of annual days by service requirement,1 civilian workers,2 National

Compensation Survey, March 2009—Continued

Characteristics

Paid vacations days by length of service3

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 19

days

20 to 24

days

Greater

than 24

days

After 10 years

All workers ............................................................. 0.2 0.3 0.4 0.7 0.5 0.7 0.1 0.0

Full time ................................................................. 0.1 0.3 0.5 0.7 0.5 0.8 0.1 0.0

Part time ................................................................ 1.1 1.5 1.3 1.7 1.3 0.8 0.2 0.1

Union ..................................................................... 0.2 0.5 0.8 1.3 1.0 1.0 0.2 0.0

Nonunion ............................................................... 0.2 0.3 0.5 0.7 0.5 0.8 0.1 0.0

1 to 99 workers ...................................................... 0.2 0.5 0.7 0.9 0.8 0.6 0.1 0.0

1 to 49 workers .................................................. 0.3 0.6 0.9 1.0 0.9 0.7 0.2 0.0

50 to 99 workers ................................................ 0.3 1.1 1.2 1.7 1.7 1.1 0.2 0.0

100 workers or more .............................................. 0.3 0.3 0.5 1.0 0.7 1.1 0.2 0.5

100 to 499 workers ............................................ 0.5 0.4 0.7 1.1 0.9 0.8 0.2 0.0

500 workers or more .......................................... 0.3 0.3 0.6 1.3 1.1 1.8 0.2 0.0

After 20 years

All workers ............................................................. 0.2 0.3 0.4 0.5 0.6 0.8 0.1 0.0

Full time ................................................................. 0.1 0.3 0.4 0.5 0.7 0.8 0.1 0.0

Part time ................................................................ 1.1 1.4 1.1 1.4 1.5 1.2 0.3 0.2

Union ..................................................................... 0.2 0.4 0.7 0.6 1.5 1.5 0.2 1.1

Nonunion ............................................................... 0.2 0.3 0.4 0.6 0.6 0.9 0.1 0.0

1 to 99 workers ...................................................... 0.2 0.5 0.6 0.8 0.9 0.7 0.1 0.0

1 to 49 workers .................................................. 0.3 0.6 0.8 0.9 1.0 0.8 0.2 0.0

50 to 99 workers ................................................ 0.3 1.0 1.2 1.8 1.9 1.4 0.3 0.2

100 workers or more .............................................. 0.3 0.3 0.4 0.5 0.9 1.1 0.1 0.0

100 to 499 workers ............................................ 0.4 0.4 0.6 0.8 1.3 1.1 0.2 0.0

500 workers or more .......................................... 0.3 0.3 0.5 0.6 1.4 1.7 0.2 0.7

1 Employees either are granted a specific number of days after completion of the

indicated length of service or accrue days during the next 12-month period. The total

number of days is assumed to be available for use immediately upon completion of the

service interval. Periods of service are chosen arbitrarily and do not necessarily reflect

individual provisions for progression. Fractional vacation amounts were rounded to the

nearest full number of days. 2 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government. See

Technical Note for further explanation.

3 Employees eligible for paid vacations but who have not fulfilled the minimum

service requirement are included as receiving 0 days. 4 Less than 0.05.

NOTE: Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 35. Quality of life benefits: Access, civilian workers,1 National Compensation

Survey, March 2009

(All workers = 100 percent)

Characteristics Childcare2 Flexible

workplace

Subsidized

commuting

Wellness

programs

Employee

assistance

programs

All workers ............................................................. 10 5 7 33 49

Worker characteristics

Management, professional, and related ................ 16 10 11 48 66

Management, business, and financial ............... 17 16 13 48 66

Professional and related .................................... 16 7 10 48 66

Teachers ........................................................ 12 3 5 46 64

Primary, secondary, and special education

school teachers ........................................ 8 1 2 43 62

Registered nurses ......................................... 21 4 11 59 72

Service ................................................................... 8 1 3 21 34

Protective service .............................................. 9 3 9 38 54

Sales and office ..................................................... 8 5 7 33 51

Sales and related ............................................... 3 4 4 30 50

Office and administrative support ...................... 10 5 9 35 52

Natural resources, construction, and maintenance 4 2 5 23 36

Construction, extraction, farming, fishing, and

forestry ............................................................. 2 1 4 16 28

Installation, maintenance, and repair ................. 6 2 7 31 44

Production, transportation, and material moving ... 5 1 3 26 43

Production ......................................................... 7 2 3 28 44

Transportation and material moving .................. 4 1 3 23 43

Full time ................................................................. 11 5 8 36 54

Part time ................................................................ 5 2 3 20 34

Union ..................................................................... 15 2 9 48 74

Nonunion ............................................................... 8 5 6 30 44

Wage percentiles:3

Lowest 10 percent ............................................. 5 1 2 10 23

Lowest 25 percent ............................................. 5 1 2 17 30

Second 25 percent ............................................ 8 3 5 30 46

Third 25 percent ................................................ 10 5 9 37 55

Highest 25 percent ............................................ 16 10 12 49 68

Highest 10 percent ............................................ 18 12 13 50 71

Establishment characteristics

Goods-producing industries ................................... 7 5 3 29 44

Service-providing industries .................................. 10 5 7 33 50

Education and health services ........................... 14 3 7 44 61

Educational services ...................................... 13 4 7 47 67

Elementary and secondary schools ........... 8 1 2 42 65

Junior colleges, colleges, and universities 23 – 17 64 75

Health care and social assistance ................. 15 3 7 42 57

Hospitals .................................................... 27 4 14 76 89

Public administration ......................................... 17 6 16 54 75

See footnotes at end of table.
Table 35. Quality of life benefits: Access, civilian workers,1 National Compensation

Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics Childcare2 Flexible

workplace

Subsidized

commuting

Wellness

programs

Employee

assistance

programs

1 to 99 workers ...................................................... 3 3 3 13 25

1 to 49 workers .................................................. 3 3 2 11 21

50 to 99 workers ................................................ 3 3 4 19 36

100 workers or more .............................................. 15 6 10 49 70

100 to 499 workers ............................................ 8 4 6 38 58

500 workers or more .......................................... 22 8 13 60 82

Geographic areas

New England ......................................................... 10 4 8 33 49

Middle Atlantic ....................................................... 9 5 7 32 49

East North Central ................................................. 10 5 6 36 49

West North Central ................................................ 9 4 6 33 48

South Atlantic ........................................................ 8 5 4 31 53

East South Central ................................................ – 5 2 30 46

West South Central ............................................... 8 4 4 31 46

Mountain ................................................................ 9 4 9 31 49

Pacific .................................................................... 11 5 13 35 50

1 Includes workers in the private nonfarm economy except

those in private households, and workers in the public sector,

except the federal government. See Technical Note for further

explanation. 2 A workplace program that provides for either the full or

partial cost of caring for an employee’s children in a nursery,

day care center, or a baby sitter in facilities either on or off the

employer’s premises. 3 The percentile groupings are based on the average wage

for each occupation surveyed, which may include workers both

above and below the threshold. The percentile values are

based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did

not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 35. Standard errors for quality of life benefits: Access, civilian workers,1 National

Compensation Survey, March 2009

Characteristics Childcare2 Flexible

workplace

Subsidized

commuting

Wellness

programs

Employee

assistance

programs

All workers ............................................................. 0.5 0.3 0.3 0.6 0.5

Worker characteristics

Management, professional, and related ................ 0.8 0.7 0.6 1.0 0.8

Management, business, and financial ............... 1.0 1.3 0.9 1.5 1.3

Professional and related .................................... 0.9 0.6 0.6 1.1 1.0

Teachers ........................................................ 1.4 0.6 0.7 1.9 1.5

Primary, secondary, and special education

school teachers ........................................ 1.0 0.2 0.5 2.2 1.9

Registered nurses ......................................... 2.0 1.2 1.1 2.7 2.8

Service ................................................................... 1.5 0.3 0.3 0.7 1.3

Protective service .............................................. 1.1 0.6 1.0 2.4 2.8

Sales and office ..................................................... 0.4 0.4 0.3 0.8 0.8

Sales and related ............................................... 0.4 0.5 0.4 1.1 1.3

Office and administrative support ...................... 0.6 0.4 0.5 1.0 1.0

Natural resources, construction, and maintenance 0.7 0.3 0.6 1.0 1.3

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.3 0.4 0.7 1.2 1.5

Installation, maintenance, and repair ................. 1.3 0.7 0.9 1.7 2.2

Production, transportation, and material moving ... 0.5 0.2 0.4 0.9 1.1

Production ......................................................... 0.8 0.3 0.7 1.1 1.4

Transportation and material moving .................. 0.4 0.2 0.4 1.3 1.5

Full time ................................................................. 0.6 0.4 0.3 0.7 0.6

Part time ................................................................ 0.5 0.3 0.3 0.8 1.0

Union ..................................................................... 1.2 0.3 0.6 1.3 1.0

Nonunion ............................................................... 0.5 0.3 0.3 0.6 0.6

Wage percentiles:3

Lowest 10 percent ............................................. 1.9 0.3 0.3 0.9 1.9

Lowest 25 percent ............................................. 1.0 0.2 0.2 0.7 1.0

Second 25 percent ............................................ 0.7 0.3 0.3 0.9 1.0

Third 25 percent ................................................ 0.6 0.6 0.5 0.8 0.9

Highest 25 percent ............................................ 0.6 0.5 0.4 0.9 0.8

Highest 10 percent ............................................ 1.0 0.9 0.7 1.3 1.1

Establishment characteristics

Goods-producing industries ................................... 0.5 0.4 0.4 0.9 1.3

Service-providing industries .................................. 0.6 0.4 0.3 0.7 0.6

Education and health services ........................... 1.1 0.8 0.7 1.4 1.3

Educational services ...................................... 1.7 1.3 1.0 1.8 1.6

Elementary and secondary schools ........... 0.9 0.2 0.4 1.8 1.5

Junior colleges, colleges, and universities 4.7 – 3.1 4.3 4.4

Health care and social assistance ................. 1.4 0.9 0.8 1.9 1.8

Hospitals .................................................... 2.1 1.4 1.7 1.7 1.3

Public administration ......................................... 1.7 1.7 1.1 2.1 1.8

See footnotes at end of table.
Table 35. Standard errors for quality of life benefits: Access, civilian workers,1 National

Compensation Survey, March 2009—Continued

Characteristics Childcare2 Flexible

workplace

Subsidized

commuting

Wellness

programs

Employee

assistance

programs

1 to 99 workers ...................................................... 0.4 0.3 0.3 0.7 0.8

1 to 49 workers .................................................. 0.5 0.4 0.3 0.8 0.8

50 to 99 workers ................................................ 0.5 0.4 0.5 1.5 1.6

100 workers or more .............................................. 0.8 0.5 0.5 0.9 0.8

100 to 499 workers ............................................ 0.6 0.6 0.6 1.3 1.3

500 workers or more .......................................... 1.3 0.8 0.8 1.5 1.0

Geographic areas

New England ......................................................... 1.1 0.6 0.5 1.6 1.4

Middle Atlantic ....................................................... 0.6 1.0 0.5 1.3 1.1

East North Central ................................................. 0.7 0.6 0.5 1.8 1.3

West North Central ................................................ 1.4 0.7 1.8 1.8 2.1

South Atlantic ........................................................ 1.1 0.7 0.3 1.4 1.3

East South Central ................................................ – 2.5 0.6 3.0 3.9

West South Central ............................................... 1.2 0.9 0.3 1.7 1.4

Mountain ................................................................ 0.7 0.6 1.6 2.1 2.3

Pacific .................................................................... 0.8 0.5 0.9 1.4 1.4

1 Includes workers in the private nonfarm economy except

those in private households, and workers in the public sector,

except the federal government. See Technical Note for further

explanation. 2 A workplace program that provides for either the full or

partial cost of caring for an employee’s children in a nursery,

day care center, or a baby sitter in facilities either on or off the

employer’s premises. 3 The percentile groupings are based on the average wage

for each occupation surveyed, which may include workers both

above and below the threshold. The percentile values are

based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did

not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 36. Financial benefits: Access, civilian workers,1 National Compensation Survey, March 2009

(All workers = 100 percent)

Characteristics

Health

savings

account

Section 125 cafeteria benefits

Pre-tax

savings with

no employer

contributions

Financial

planning

Stock options

Flexible

benefits

Dependent

care

reimbursement

account

Health care

reimbursement

account

Total2 Performance Signing Other

All workers ............................................................. 14 20 37 39 24 16 7 2 1 6

Worker characteristics

Management, professional, and related ................ 18 32 55 59 34 25 8 4 2 6

Management, business, and financial ............... 23 33 57 61 30 30 14 6 4 10

Professional and related .................................... 17 32 54 58 35 24 7 3 2 4

Teachers ........................................................ 17 31 49 57 48 19 3 () – 3 () –

Primary, secondary, and special education

school teachers ........................................ 16 32 49 56 48 20 – – – –

Registered nurses ......................................... 11 36 57 61 29 22 2 1 3 () 1

Service ................................................................... 8 12 23 25 19 9 3 1 3 () –

Protective service .............................................. 16 22 38 40 42 18 2 – – 1

Sales and office ..................................................... 17 18 38 40 23 16 10 2 1 8

Sales and related ............................................... 18 9 31 32 20 9 12 2 1 10

Office and administrative support ...................... 16 24 41 44 25 20 9 3 1 7

Natural resources, construction, and maintenance 9 14 22 24 17 10 6 2 1 3

Construction, extraction, farming, fishing, and

forestry ............................................................. 5 10 12 15 13 6 2 – 1 2

Installation, maintenance, and repair ................. 14 18 32 34 21 14 10 4 1 5

Production, transportation, and material moving ... 9 16 28 29 18 10 7 1 1 6

Production ......................................................... 10 18 31 34 18 12 8 1 2 6

Transportation and material moving .................. 9 15 25 25 18 9 6 1 3 () 6

Full time ................................................................. 16 24 42 45 27 18 8 3 1 6

Part time ................................................................ 6 9 20 20 13 7 5 1 3 () 4

Union ..................................................................... 14 24 47 50 41 24 5 2 1 3

Nonunion ............................................................... 13 20 35 37 21 14 8 2 1 6

Wage percentiles:4

Lowest 10 percent ............................................. 4 5 11 12 10 4 6 1 3 () 5

Lowest 25 percent ............................................. 8 8 18 19 15 6 6 1 3 () 5

Second 25 percent ............................................ 13 19 33 37 22 13 6 1 1 5

Third 25 percent ................................................ 15 24 42 45 27 18 7 2 1 5

Highest 25 percent ............................................ 19 31 56 59 34 26 10 5 3 7

Highest 10 percent ............................................ 20 30 59 63 36 28 12 6 4 8

Establishment characteristics

Goods-producing industries ................................... 11 18 32 35 16 15 9 2 2 6

Service-providing industries .................................. 14 21 37 40 26 16 7 2 1 5

Education and health services ........................... 14 30 48 54 33 17 1 3 ( ) 3 ( ) 3 ( )

Educational services ...................................... 19 33 53 60 52 20 3 () – 3 ( ) 3 ( )

Elementary and secondary schools ........... 17 34 49 57 49 19 – – – –

Junior colleges, colleges, and universities 22 33 64 71 62 23 1 – 1 3 ( )

Health care and social assistance ................. 10 27 45 49 20 16 1 3 ( ) 3 () 1

Hospitals .................................................... 15 47 71 74 33 29 2 1 3 () 1

Public administration ......................................... 19 32 53 56 54 31 – – – –

See footnotes at end of table.
Table 36. Financial benefits: Access, civilian workers,1 National Compensation Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics

Health

savings

account

Section 125 cafeteria benefits

Pre-tax

savings with

no employer

contributions

Financial

planning

Stock options

Flexible

benefits

Dependent

care

reimbursement

account

Health care

reimbursement

account

Total2 Performance Signing Other

1 to 99 workers ...................................................... 7 10 18 19 12 7 4 1 1 3

1 to 49 workers .................................................. 6 8 15 16 10 7 3 1 1 2

50 to 99 workers ................................................ 9 14 26 28 19 7 7 2 3 () 6

100 workers or more .............................................. 19 30 53 57 34 23 10 3 2 8

100 to 499 workers ............................................ 16 23 43 46 26 15 10 2 1 8

500 workers or more .......................................... 22 36 62 67 42 31 10 4 2 8

Geographic areas

New England ......................................................... 8 16 37 39 25 16 7 2 1 6

Middle Atlantic ....................................................... 8 15 33 36 30 14 6 2 1 4

East North Central ................................................. 14 18 36 37 24 17 8 3 2 6

West North Central ................................................ 14 24 41 46 21 18 5 1 3 () 4

South Atlantic ........................................................ 16 24 39 42 21 13 8 2 2 6

East South Central ................................................ 23 24 22 33 – 12 – 2 1 –

West South Central ............................................... 12 22 37 40 23 14 7 2 1 5

Mountain ................................................................ 13 21 40 41 23 16 6 1 1 5

Pacific .................................................................... 15 21 39 40 23 20 7 3 2 5

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government. See

Technical Note for further explanation. 2 The sum of the individual components may be greater than the total because some

employees may have access to more than one type of stock option. 3 Less than 0.5 percent. 4 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria.

For definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 36. Standard errors for financial benefits: Access, civilian workers,1 National Compensation Survey, March 2009

Characteristics

Health

savings

account

Section 125 cafeteria benefits

Pre-tax

savings with

no employer

contributions

Financial

planning

Stock options

Flexible

benefits

Dependent

care

reimbursement

account

Health care

reimbursement

account

Total2 Performance Signing Other

All workers ............................................................. 0.4 0.5 0.6 0.5 0.8 0.4 0.4 0.1 0.1 0.4

Worker characteristics

Management, professional, and related ................ 0.7 1.0 1.1 1.0 0.9 0.8 0.5 0.3 0.4 0.4

Management, business, and financial ............... 1.0 1.1 1.4 1.3 1.5 1.1 0.9 0.5 0.6 0.7

Professional and related .................................... 0.8 1.2 1.3 1.1 1.0 0.8 0.5 0.3 0.3 0.4

Teachers ........................................................ 1.3 1.8 2.2 1.7 1.6 1.3 3 () – 3 () –

Primary, secondary, and special education

school teachers ........................................ 1.4 2.0 2.6 2.3 2.0 1.8 – – – –

Registered nurses ......................................... 1.4 2.6 3.4 3.1 2.7 2.1 0.6 0.3 3 ( ) 0.5

Service ................................................................... 1.1 0.9 1.1 1.0 2.4 0.6 1.3 0.2 3 () –

Protective service .............................................. 2.2 1.9 2.6 2.6 2.8 1.9 0.4 – – 0.4

Sales and office ..................................................... 0.5 0.7 0.7 0.8 0.8 0.5 0.5 0.2 0.1 0.4

Sales and related ............................................... 0.9 0.7 1.0 1.1 1.1 0.8 0.8 0.2 0.2 0.7

Office and administrative support ...................... 0.7 0.9 1.0 1.0 0.9 0.7 0.5 0.3 0.2 0.4

Natural resources, construction, and maintenance 0.8 0.8 1.0 1.0 1.1 0.6 0.7 0.4 0.2 0.7

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.6 1.0 1.1 1.2 1.2 0.8 0.5 – 0.2 0.4

Installation, maintenance, and repair ................. 1.4 1.1 1.6 1.5 1.7 1.2 1.3 0.7 0.2 1.2

Production, transportation, and material moving ... 0.6 0.9 0.9 0.9 1.0 0.6 0.5 0.2 0.3 0.5

Production ......................................................... 0.9 1.2 1.4 1.5 1.2 1.0 0.9 0.4 0.5 0.6

Transportation and material moving .................. 0.7 1.0 1.2 1.0 1.4 0.7 0.7 0.2 3 ( ) 0.7

Full time ................................................................. 0.5 0.6 0.8 0.6 0.9 0.5 0.5 0.2 0.1 0.5

Part time ................................................................ 0.4 0.6 0.7 0.8 0.8 0.4 0.3 0.2 3 ( ) 0.3

Union ..................................................................... 0.7 1.3 1.2 1.2 1.0 1.0 0.6 0.3 0.2 0.5

Nonunion ............................................................... 0.4 0.5 0.7 0.6 0.9 0.4 0.4 0.1 0.1 0.4

Wage percentiles:4

Lowest 10 percent ............................................. 1.5 1.2 1.1 1.4 2.8 0.8 1.7 0.3 3 ( ) 1.7

Lowest 25 percent ............................................. 0.7 0.8 0.9 1.0 1.7 0.4 0.9 0.2 3 ( ) 0.9

Second 25 percent ............................................ 0.6 0.7 0.9 0.8 1.0 0.6 0.5 0.1 0.1 0.5

Third 25 percent ................................................ 0.6 0.9 0.8 0.8 0.8 0.7 0.3 0.2 0.2 0.3

Highest 25 percent ............................................ 0.7 0.9 0.9 0.9 0.8 0.7 0.6 0.4 0.4 0.5

Highest 10 percent ............................................ 1.0 1.1 1.1 1.1 1.0 1.0 0.9 0.6 0.6 0.8

Establishment characteristics

Goods-producing industries ................................... 0.6 1.2 1.1 1.1 0.8 0.7 0.8 0.4 0.6 0.5

Service-providing industries .................................. 0.5 0.6 0.7 0.6 0.9 0.4 0.5 0.1 0.1 0.5

Education and health services ........................... 0.9 1.3 1.5 1.4 1.3 0.9 0.2 3 ( ) 3 ( ) 3 ( )

Educational services ...................................... 1.4 1.6 1.8 1.7 1.5 1.2 3 () – 3 ( ) 3 ( )

Elementary and secondary schools ........... 1.4 1.8 2.1 1.8 1.6 1.4 – – – –

Junior colleges, colleges, and universities 3.5 2.9 4.4 4.2 2.7 2.7 0.2 – 0.2 3 ( )

Health care and social assistance ................. 1.0 1.7 2.1 1.9 1.6 1.2 0.3 3 ( ) 3 ( ) 0.2

Hospitals .................................................... 1.6 1.9 2.0 1.8 2.0 2.0 0.7 0.4 3 ( ) 0.6

Public administration ......................................... 1.5 1.9 2.1 2.1 1.9 2.0 – – – –

See footnotes at end of table.
Table 36. Standard errors for financial benefits: Access, civilian workers,1 National Compensation Survey, March

2009—Continued

Characteristics

Health

savings

account

Section 125 cafeteria benefits

Pre-tax

savings with

no employer

contributions

Financial

planning

Stock options

Flexible

benefits

Dependent

care

reimbursement

account

Health care

reimbursement

account

Total2 Performance Signing Other

1 to 99 workers ...................................................... 0.5 0.5 0.6 0.6 0.6 0.3 0.3 0.1 0.1 0.2

1 to 49 workers .................................................. 0.5 0.6 0.7 0.7 0.6 0.4 0.3 0.2 0.1 0.2

50 to 99 workers ................................................ 1.0 1.2 1.5 1.4 1.2 0.5 0.7 0.3 3 ( ) 0.7

100 workers or more .............................................. 0.6 0.8 1.2 0.8 1.2 0.7 0.7 0.2 0.2 0.7

100 to 499 workers ............................................ 0.7 1.1 1.2 1.1 1.1 0.9 0.5 0.2 0.1 0.5

500 workers or more .......................................... 1.0 1.0 2.1 1.2 1.9 0.8 1.3 0.4 0.4 1.3

Geographic areas

New England ......................................................... 1.0 1.3 1.4 1.5 1.8 0.8 0.9 0.3 0.2 0.8

Middle Atlantic ....................................................... 0.6 1.8 1.3 1.3 1.7 0.6 0.8 0.3 0.3 0.5

East North Central ................................................. 0.8 1.2 1.2 1.1 0.9 0.7 0.7 0.4 0.3 0.8

West North Central ................................................ 1.2 1.5 1.9 1.9 2.2 1.5 0.6 0.3 3 ( ) 0.6

South Atlantic ........................................................ 0.8 1.2 1.4 1.3 1.1 1.1 0.7 0.2 0.5 0.5

East South Central ................................................ 3.5 2.1 4.8 3.1 – 2.2 – 0.7 0.4 –

West South Central ............................................... 1.1 1.3 1.2 1.4 1.2 1.2 0.7 0.4 0.3 0.5

Mountain ................................................................ 1.7 3.2 2.7 2.9 1.9 1.0 0.8 0.3 0.2 0.8

Pacific .................................................................... 1.1 0.8 1.1 1.1 1.1 1.4 0.6 0.4 0.2 0.4

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government. See

Technical Note for further explanation. 2 The sum of the individual components may be greater than the total because some

employees may have access to more than one type of stock option. 3 Less than 0.05. 4 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria.

For definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 38. Nonproduction bonuses: Access, civilian workers,1 National Compensation Survey, March 2009

(All workers = 100 percent)

Characteristics

All

nonproduction

bonuses2

Cash

profit-sharing

bonus

Employee

recognition

bonus

End-of-year

bonus

Holiday

bonus

Payment in

lieu of

benefits

bonus

Longevity

bonus

Referral

bonus

Other

bonus3

All workers ............................................................. 44 4 4 10 9 6 3 6 13

Worker characteristics

Management, professional, and related ................ 47 6 6 9 4 9 3 8 16

Management, business, and financial ............... 57 8 8 16 6 8 2 8 21

Professional and related .................................... 43 5 6 7 4 9 3 7 14

Teachers ........................................................ 24 – 3 1 1 11 2 – 9

Primary, secondary, and special education

school teachers ........................................ 28 – 4 – 1 14 3 – 11

Registered nurses ......................................... 50 1 5 7 4 10 3 18 17

Service ................................................................... 33 1 5 6 7 4 3 6 8

Protective service .............................................. 42 4 ( ) 8 4 4 7 10 9 13

Sales and office ..................................................... 48 4 3 12 13 5 6 6 11

Sales and related ............................................... 42 3 2 9 16 3 9 4 9

Office and administrative support ...................... 51 5 4 13 12 7 4 7 13

Natural resources, construction, and maintenance 46 5 3 14 12 3 3 4 14

Construction, extraction, farming, fishing, and

forestry ............................................................. 41 4 2 14 12 3 2 1 11

Installation, maintenance, and repair ................. 51 6 5 14 11 4 3 7 18

Production, transportation, and material moving ... 46 7 3 10 11 5 2 5 16

Production ......................................................... 50 10 2 12 10 6 1 6 18

Transportation and material moving .................. 43 4 3 9 11 5 2 4 14

Full time ................................................................. 48 5 5 11 9 7 4 7 15

Part time ................................................................ 28 1 2 6 7 2 3 5 5

Union ..................................................................... 36 4 5 3 2 12 3 3 16

Nonunion ............................................................... 45 4 4 11 10 5 3 7 12

Wage percentiles:5

Lowest 10 percent ............................................. 28 1 3 6 10 1 1 5 5

Lowest 25 percent ............................................. 33 1 3 7 10 2 4 5 7

Second 25 percent ............................................ 46 4 3 11 12 6 4 7 12

Third 25 percent ................................................ 48 5 4 12 9 7 3 6 14

Highest 25 percent ............................................ 50 8 7 10 5 9 2 8 19

Highest 10 percent ............................................ 51 9 8 10 4 10 2 8 18

Establishment characteristics

Goods-producing industries ................................... 51 11 3 14 11 6 1 5 18

Service-providing industries .................................. 42 3 5 9 9 6 4 7 12

Education and health services ........................... 36 1 4 4 5 10 3 7 10

Educational services ...................................... 22 4 ( ) 3 1 1 11 3 1 8

Elementary and secondary schools ........... 24 – 2 – 1 12 3 – 9

Junior colleges, colleges, and universities 20 4 () 5 4 ( ) 4 () 8 2 1 5

Health care and social assistance ................. 46 2 4 6 9 9 3 12 12

Hospitals .................................................... 48 2 4 3 2 14 4 18 16

Public administration ......................................... 40 – 7 – 1 13 9 1 16

See footnotes at end of table.
Table 38. Nonproduction bonuses: Access, civilian workers,1 National Compensation Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics

All

nonproduction

bonuses2

Cash

profit-sharing

bonus

Employee

recognition

bonus

End-of-year

bonus

Holiday

bonus

Payment in

lieu of

benefits

bonus

Longevity

bonus

Referral

bonus

Other

bonus3

1 to 99 workers ...................................................... 43 4 3 14 13 3 2 4 9

1 to 49 workers .................................................. 44 4 2 14 15 3 2 3 8

50 to 99 workers ................................................ 41 4 5 12 6 5 2 6 11

100 workers or more .............................................. 45 5 6 7 5 8 5 9 16

100 to 499 workers ............................................ 44 3 4 7 8 6 6 9 14

500 workers or more .......................................... 45 6 8 6 3 10 3 9 18

Geographic areas

New England ......................................................... 49 5 5 7 12 9 3 7 12

Middle Atlantic ....................................................... 42 3 4 9 6 9 2 6 13

East North Central ................................................. 45 7 3 11 9 8 4 7 13

West North Central ................................................ 43 5 4 13 8 3 3 7 12

South Atlantic ........................................................ 47 3 4 9 11 3 5 9 15

East South Central ................................................ 44 3 – 12 10 2 5 5 12

West South Central ............................................... 44 5 4 8 12 3 3 6 15

Mountain ................................................................ 40 4 3 10 10 6 2 3 10

Pacific .................................................................... 41 5 6 10 5 7 2 5 11

1 Includes workers in the private nonfarm economy except those in private households,

and workers in the public sector, except the federal government. See Technical Note for

further explanation. 2 The sum of the individual components may be greater than the total because some

employees may have access to more than one type of nonproduction bonus. 3 Includes all other bonuses provided to employees and not published separately. 4 Less than 0.5 percent. 5 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria.

For definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 38. Standard errors for nonproduction bonuses: Access, civilian workers,1 National Compensation Survey, March

2009

Characteristics

All

nonproduction

bonuses2

Cash

profit-sharing

bonus

Employee

recognition

bonus

End-of-year

bonus

Holiday

bonus

Payment in

lieu of

benefits

bonus

Longevity

bonus

Referral

bonus

Other

bonus3

All workers ............................................................. 0.6 0.2 0.3 0.3 0.4 0.2 0.2 0.3 0.4

Worker characteristics

Management, professional, and related ................ 0.9 0.4 0.5 0.5 0.3 0.5 0.3 0.5 0.7

Management, business, and financial ............... 1.2 0.7 0.6 0.8 0.6 0.7 0.3 0.7 1.2

Professional and related .................................... 1.1 0.4 0.6 0.5 0.4 0.6 0.3 0.6 0.7

Teachers ........................................................ 1.4 – 0.7 0.3 0.3 1.0 0.5 – 0.9

Primary, secondary, and special education

school teachers ........................................ 1.8 – 0.9 – 0.3 1.3 0.7 – 1.2

Registered nurses ......................................... 2.9 0.4 1.4 2.8 0.9 1.1 0.7 2.6 1.6

Service ................................................................... 1.7 0.2 0.8 0.8 0.8 0.3 0.3 0.7 0.7

Protective service .............................................. 2.9 4 ( ) 1.9 1.2 1.0 1.1 1.4 2.9 2.3

Sales and office ..................................................... 0.8 0.3 0.3 0.5 0.6 0.3 0.3 0.4 0.5

Sales and related ............................................... 1.3 0.5 0.3 0.7 0.9 0.3 0.7 0.5 0.7

Office and administrative support ...................... 1.0 0.4 0.4 0.6 0.7 0.4 0.3 0.4 0.6

Natural resources, construction, and maintenance 1.4 0.5 0.5 1.0 0.9 0.4 0.4 0.5 0.8

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.2 0.8 0.5 1.5 1.1 0.6 0.6 0.4 1.2

Installation, maintenance, and repair ................. 1.7 0.7 0.8 1.3 1.2 0.6 0.5 1.0 1.3

Production, transportation, and material moving ... 1.3 0.6 0.4 0.7 0.7 0.5 0.3 0.7 1.0

Production ......................................................... 2.0 0.8 0.4 0.9 0.9 0.8 0.4 0.9 1.2

Transportation and material moving .................. 1.6 0.6 0.6 0.8 1.0 0.5 0.4 0.8 1.2

Full time ................................................................. 0.7 0.3 0.4 0.4 0.4 0.3 0.2 0.4 0.5

Part time ................................................................ 1.1 0.2 0.3 0.5 0.6 0.2 0.3 0.6 0.5

Union ..................................................................... 1.2 0.4 0.5 0.3 0.4 0.8 0.3 0.3 0.7

Nonunion ............................................................... 0.7 0.2 0.4 0.4 0.4 0.2 0.2 0.4 0.4

Wage percentiles:5

Lowest 10 percent ............................................. 1.9 0.2 0.7 1.0 1.1 0.2 0.3 0.8 0.8

Lowest 25 percent ............................................. 1.1 0.2 0.6 0.6 0.7 0.2 0.3 0.5 0.6

Second 25 percent ............................................ 1.0 0.3 0.5 0.6 0.8 0.3 0.3 0.6 0.6

Third 25 percent ................................................ 0.9 0.3 0.2 0.5 0.6 0.4 0.3 0.4 0.5

Highest 25 percent ............................................ 0.9 0.5 0.6 0.5 0.3 0.5 0.2 0.5 0.7

Highest 10 percent ............................................ 1.1 0.8 0.9 0.5 0.5 0.8 0.2 0.7 0.9

Establishment characteristics

Goods-producing industries ................................... 1.6 0.7 0.3 0.9 0.7 0.7 0.3 0.5 1.0

Service-providing industries .................................. 0.7 0.2 0.4 0.4 0.4 0.3 0.2 0.4 0.4

Education and health services ........................... 1.2 0.3 0.5 0.6 0.7 0.7 0.4 0.7 0.7

Educational services ...................................... 1.2 4 ( ) 0.4 0.3 0.2 0.9 0.5 0.1 0.7

Elementary and secondary schools ........... 1.5 – 0.5 – 0.2 1.2 0.6 – 0.9

Junior colleges, colleges, and universities 1.9 4 ( ) 0.4 4 ( ) 4 ( ) 1.1 0.8 0.2 1.1

Health care and social assistance ................. 1.9 0.5 0.7 1.0 1.2 0.8 0.6 1.2 1.0

Hospitals .................................................... 2.2 0.6 0.7 0.8 0.7 1.2 0.9 1.8 1.4

Public administration ......................................... 2.1 – 0.9 – 0.5 1.4 1.1 0.6 2.0

See footnotes at end of table.
Table 38. Standard errors for nonproduction bonuses: Access, civilian workers,1 National Compensation Survey, March

2009—Continued

Characteristics

All

nonproduction

bonuses2

Cash

profit-sharing

bonus

Employee

recognition

bonus

End-of-year

bonus

Holiday

bonus

Payment in

lieu of

benefits

bonus

Longevity

bonus

Referral

bonus

Other

bonus3

1 to 99 workers ...................................................... 0.9 0.3 0.3 0.6 0.6 0.2 0.2 0.5 0.5

1 to 49 workers .................................................. 1.0 0.4 0.3 0.6 0.8 0.3 0.2 0.5 0.5

50 to 99 workers ................................................ 1.5 0.7 0.7 0.9 0.6 0.6 0.5 1.0 1.1

100 workers or more .............................................. 0.8 0.3 0.5 0.5 0.3 0.4 0.3 0.4 0.5

100 to 499 workers ............................................ 1.0 0.3 0.4 0.5 0.5 0.4 0.4 0.7 0.7

500 workers or more .......................................... 1.2 0.4 0.9 0.8 0.4 0.6 0.3 0.6 0.8

Geographic areas

New England ......................................................... 2.8 1.6 0.7 1.3 2.5 1.3 0.6 1.2 1.1

Middle Atlantic ....................................................... 1.8 0.4 0.4 0.6 0.6 0.9 0.5 0.4 1.1

East North Central ................................................. 1.5 0.6 0.6 0.7 0.7 0.6 0.5 0.8 1.0

West North Central ................................................ 2.1 0.8 0.8 1.4 0.8 0.8 0.7 1.5 1.3

South Atlantic ........................................................ 1.8 0.3 0.5 0.7 1.0 0.5 0.6 1.2 1.2

East South Central ................................................ 3.4 1.1 – 2.4 2.3 0.7 1.0 1.5 1.7

West South Central ............................................... 1.6 0.9 0.6 0.8 0.8 0.4 0.4 0.8 1.1

Mountain ................................................................ 2.6 0.8 0.7 1.1 2.0 0.9 0.4 0.4 1.0

Pacific .................................................................... 1.1 0.5 0.6 0.7 0.6 0.7 0.4 0.4 0.6

1 Includes workers in the private nonfarm economy except those in private households,

and workers in the public sector, except the federal government. See Technical Note for

further explanation. 2 The sum of the individual components may be greater than the total because some

employees may have access to more than one type of nonproduction bonus. 3 Includes all other bonuses provided to employees and not published separately. 4 Less than 0.05. 5 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria.

For definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 37. Health-related benefits: Access, civilian workers,1

National Compensation Survey, March 2009

(All workers = 100 percent)

Characteristics

Long-term

care

insurance2

Retiree health care

benefits3

Under age

65

Age 65 and

over

All workers ............................................................. 16 26 23

Worker characteristics

Management, professional, and related ................ 25 42 38

Management, business, and financial ............... 28 39 36

Professional and related .................................... 24 42 38

Teachers ........................................................ 24 63 57

Primary, secondary, and special education

school teachers ........................................ 21 66 58

Registered nurses ......................................... 19 24 18

Service ................................................................... 8 14 12

Protective service .............................................. 18 43 38

Sales and office ..................................................... 19 24 23

Sales and related ............................................... 18 21 19

Office and administrative support ...................... 19 26 25

Natural resources, construction, and maintenance 11 19 17

Construction, extraction, farming, fishing, and

forestry ............................................................. 6 14 13

Installation, maintenance, and repair ................. 17 24 22

Production, transportation, and material moving ... 10 19 16

Production ......................................................... 9 17 13

Transportation and material moving .................. 12 20 19

Full time ................................................................. 18 29 26

Part time ................................................................ 10 14 13

Union ..................................................................... 23 55 50

Nonunion ............................................................... 15 20 18

Wage percentiles:4

Lowest 10 percent ............................................. 5 6 5

Lowest 25 percent ............................................. 8 10 9

Second 25 percent ............................................ 13 20 19

Third 25 percent ................................................ 18 29 26

Highest 25 percent ............................................ 28 45 41

Highest 10 percent ............................................ 30 47 43

Establishment characteristics

Goods-producing industries ................................... 10 19 15

Service-providing industries .................................. 17 27 25

Education and health services ........................... 19 36 32

Educational services ...................................... 28 64 59

Elementary and secondary schools ........... 20 67 61

Junior colleges, colleges, and universities 48 62 60

Health care and social assistance ................. 13 15 12

Hospitals .................................................... 26 28 19

Public administration ......................................... 25 70 65

See footnotes at end of table.
Table 37. Health-related benefits: Access, civilian workers,1

National Compensation Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics

Long-term

care

insurance2

Retiree health care

benefits3

Under age

65

Age 65 and

over

1 to 99 workers ...................................................... 6 8 7

1 to 49 workers .................................................. 5 7 6

50 to 99 workers ................................................ 9 13 11

100 workers or more .............................................. 25 41 37

100 to 499 workers ............................................ 18 28 26

500 workers or more .......................................... 31 53 48

Geographic areas

New England ......................................................... 14 25 23

Middle Atlantic ....................................................... 15 27 27

East North Central ................................................. 16 23 21

West North Central ................................................ 14 23 18

South Atlantic ........................................................ 20 29 25

East South Central ................................................ 16 22 20

West South Central ............................................... 14 28 24

Mountain ................................................................ 15 22 22

Pacific .................................................................... 18 27 25

1 Includes workers in the private nonfarm

economy except those in private households,

and workers in the public sector, except the

federal government. See Technical Note for

further explanation. 2 A health plan that provides long-term

(more than 1 year) custodial care, home care, or

nursing home care. 3 A health plan that provides coverage to a

retiree beyond what is mandated by COBRA or

other health continuation laws. 4 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and

below the threshold. The percentile values are

based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 37. Standard errors for health-related benefits: Access,

civilian workers,1 National Compensation Survey, March 2009

Characteristics

Long-term

care

insurance2

Retiree health care

benefits3

Under age

65

Age 65 and

over

All workers ............................................................. 0.4 0.5 0.5

Worker characteristics

Management, professional, and related ................ 0.8 1.0 1.0

Management, business, and financial ............... 1.1 1.5 1.7

Professional and related .................................... 0.9 1.1 1.1

Teachers ........................................................ 1.3 1.6 1.5

Primary, secondary, and special education

school teachers ........................................ 1.6 1.8 1.8

Registered nurses ......................................... 1.5 1.9 1.8

Service ................................................................... 0.5 0.6 0.6

Protective service .............................................. 1.7 2.8 2.6

Sales and office ..................................................... 0.6 0.6 0.6

Sales and related ............................................... 0.9 1.0 0.9

Office and administrative support ...................... 0.6 0.7 0.7

Natural resources, construction, and maintenance 0.7 0.8 0.8

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.9 1.1 1.1

Installation, maintenance, and repair ................. 1.3 1.3 1.2

Production, transportation, and material moving ... 0.7 0.7 0.7

Production ......................................................... 0.8 0.9 0.9

Transportation and material moving .................. 1.0 1.0 1.0

Full time ................................................................. 0.5 0.6 0.6

Part time ................................................................ 0.5 0.5 0.5

Union ..................................................................... 1.0 1.1 1.2

Nonunion ............................................................... 0.4 0.5 0.5

Wage percentiles:4

Lowest 10 percent ............................................. 0.6 0.5 0.4

Lowest 25 percent ............................................. 0.5 0.4 0.4

Second 25 percent ............................................ 0.5 0.7 0.6

Third 25 percent ................................................ 0.7 0.8 0.8

Highest 25 percent ............................................ 0.7 0.9 0.8

Highest 10 percent ............................................ 1.1 1.2 1.2

Establishment characteristics

Goods-producing industries ................................... 0.8 0.9 0.7

Service-providing industries .................................. 0.5 0.6 0.5

Education and health services ........................... 0.9 1.1 1.0

Educational services ...................................... 1.7 1.4 1.4

Elementary and secondary schools ........... 1.5 1.5 1.5

Junior colleges, colleges, and universities 4.1 2.8 2.8

Health care and social assistance ................. 0.9 1.2 1.0

Hospitals .................................................... 2.0 2.1 1.9

Public administration ......................................... 1.5 2.0 1.9

See footnotes at end of table.
Table 37. Standard errors for health-related benefits: Access,

civilian workers,1 National Compensation Survey, March

2009—Continued

Characteristics

Long-term

care

insurance2

Retiree health care

benefits3

Under age

65

Age 65 and

over

1 to 99 workers ...................................................... 0.3 0.4 0.3

1 to 49 workers .................................................. 0.4 0.4 0.3

50 to 99 workers ................................................ 0.7 0.8 0.8

100 workers or more .............................................. 0.7 0.9 0.9

100 to 499 workers ............................................ 0.7 0.9 0.9

500 workers or more .......................................... 1.3 1.8 1.7

Geographic areas

New England ......................................................... 1.3 1.6 1.4

Middle Atlantic ....................................................... 0.9 1.3 1.4

East North Central ................................................. 0.7 0.9 0.8

West North Central ................................................ 2.0 1.9 2.1

South Atlantic ........................................................ 1.1 1.4 1.3

East South Central ................................................ 3.7 3.7 3.7

West South Central ............................................... 0.9 1.7 1.2

Mountain ................................................................ 0.7 1.6 1.7

Pacific .................................................................... 0.8 1.2 1.1

1 Includes workers in the private nonfarm

economy except those in private households,

and workers in the public sector, except the

federal government. See Technical Note for

further explanation. 2 A health plan that provides long-term

(more than 1 year) custodial care, home care, or

nursing home care. 3 A health plan that provides coverage to a

retiree beyond what is mandated by COBRA or

other health continuation laws. 4 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and

below the threshold. The percentile values are

based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2008." See

Technical Note for more details.
Table 39. Benefit combinations: Access, civilian workers,1 National Compensation Survey, March 2009

(All workers = 100 percent)

Characteristics

Medical care and retirement benefits Medical care and life insurance

Medical

care and

retirement

benefits

Medical

care and no

retirement

benefits

Retirement

benefits

and no

medical

care

benefits

No medical

care and no

retirement

benefits

Medical

care

benefits

and life

insurance

Medical

care

benefits

and no life

insurance

Life

insurance

and no

medical

care

benefits

No medical

care and no

life

insurance

All workers ............................................................. 64 9 6 20 61 13 1 25

Worker characteristics

Management, professional, and related ................ 80 7 4 9 76 11 1 12

Management, business, and financial ............... 85 9 2 4 84 10 1 5

Professional and related .................................... 78 7 4 11 74 11 1 14

Teachers ........................................................ 81 3 4 12 73 11 1 15

Primary, secondary, and special education

school teachers ........................................ 89 2 3 6 78 14 1 8

Registered nurses ......................................... 74 4 7 14 67 11 2 20

Service ................................................................... 41 10 10 39 40 11 2 47

Protective service .............................................. 66 9 5 20 68 7 4 21

Sales and office ..................................................... 64 9 8 18 59 14 1 25

Sales and related ............................................... 54 10 13 24 47 16 1 35

Office and administrative support ...................... 71 8 6 15 66 13 1 20

Natural resources, construction, and maintenance 66 12 4 18 59 20 1 20

Construction, extraction, farming, fishing, and

forestry ............................................................. 61 11 5 22 50 23 2 26

Installation, maintenance, and repair ................. 72 13 2 13 68 17 1 14

Production, transportation, and material moving ... 65 12 5 18 65 12 2 21

Production ......................................................... 67 15 3 15 71 11 2 16

Transportation and material moving .................. 63 9 6 21 59 13 1 26

Full time ................................................................. 77 11 3 9 75 13 1 11

Part time ................................................................ 20 4 20 56 14 10 2 74

Union ..................................................................... 89 3 3 5 81 11 1 7

Nonunion ............................................................... 59 11 7 23 57 13 2 28

Wage percentiles:3

Lowest 10 percent ............................................. 17 8 17 57 16 9 1 73

Lowest 25 percent ............................................. 32 9 13 45 30 12 2 56

Second 25 percent ............................................ 67 12 5 16 64 15 2 19

Third 25 percent ................................................ 76 11 3 10 72 14 1 12

Highest 25 percent ............................................ 86 6 3 6 81 11 1 7

Highest 10 percent ............................................ 87 6 3 5 83 9 1 6

Establishment characteristics

Goods-producing industries ................................... 72 13 4 11 70 15 2 13

Service-providing industries .................................. 63 9 7 22 59 12 1 27

Education and health services ........................... 73 7 6 14 68 12 2 18

Educational services ...................................... 83 3 5 9 75 11 1 13

Elementary and secondary schools ........... 86 2 5 7 75 14 1 10

Junior colleges, colleges, and universities 84 3 2 10 83 5 1 12

Health care and social assistance ................. 66 10 7 17 63 13 2 22

Hospitals .................................................... 85 3 4 8 84 4 2 10

Public administration ......................................... 87 1 3 9 81 7 1 11

See footnotes at end of table.
Table 39. Benefit combinations: Access, civilian workers,1 National Compensation Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics

Medical care and retirement benefits Medical care and life insurance

Medical

care and

retirement

benefits

Medical

care and no

retirement

benefits

Retirement

benefits

and no

medical

care

benefits

No medical

care and no

retirement

benefits

Medical

care

benefits

and life

insurance

Medical

care

benefits

and no life

insurance

Life

insurance

and no

medical

care

benefits

No medical

care and no

life

insurance

1 to 99 workers ...................................................... 45 15 9 31 42 17 2 39

1 to 49 workers .................................................. 40 15 9 35 38 18 2 43

50 to 99 workers ................................................ 59 13 9 20 55 16 1 27

100 workers or more .............................................. 81 5 4 10 77 9 1 13

100 to 499 workers ............................................ 74 7 5 13 70 12 2 17

500 workers or more .......................................... 86 3 3 7 84 5 1 9

Geographic areas

New England ......................................................... 61 12 5 22 59 13 1 27

Middle Atlantic ....................................................... 66 9 6 19 59 16 2 24

East North Central ................................................. 64 9 8 19 64 9 2 25

West North Central ................................................ 65 6 8 21 61 10 2 27

South Atlantic ........................................................ 66 10 6 18 65 11 1 24

East South Central ................................................ 67 11 6 16 66 12 2 21

West South Central ............................................... 60 10 7 23 59 11 2 28

Mountain ................................................................ 64 8 6 22 59 13 2 26

Pacific .................................................................... 63 12 5 21 56 19 1 24

See footnotes at end of table.
Table 39. Benefit combinations: Access, civilian workers,1 National Compensation Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics

Defined benefit retirement and medical care

benefits

Defined contribution retirement and medical care

benefits

Defined

benefit and

medical

care

benefits

Defined

benefit and

no medical

care

benefits

Medical

care

benefits

and no

defined

benefit

No defined

benefit and

no medical

care

benefits

Defined

contribution

and

medical

care

benefits

Defined

contribution

and no

medical

care

benefits

Medical

care

benefits

and no

defined

contribution

No defined

contribution

and no

medical

care

benefits

All workers ............................................................. 30 1 44 25 51 5 23 21

Worker characteristics

Management, professional, and related ................ 46 2 41 11 59 3 28 10

Management, business, and financial ............... 43 1 51 6 73 2 20 5

Professional and related .................................... 46 2 38 14 54 3 31 13

Teachers ........................................................ 70 3 14 13 30 1 54 15

Primary, secondary, and special education

school teachers ........................................ 83 2 8 7 20 – 71 –

Registered nurses ......................................... 37 2 41 20 59 7 19 15

Service ................................................................... 18 1 33 48 29 9 22 39

Protective service .............................................. 50 2 25 23 35 4 41 21

Sales and office ..................................................... 23 2 50 25 57 7 17 20

Sales and related ............................................... 12 3 51 34 50 11 13 26

Office and administrative support ...................... 30 1 49 19 60 5 19 16

Natural resources, construction, and maintenance 31 1 47 21 52 3 26 18

Construction, extraction, farming, fishing, and

forestry ............................................................. 31 1 42 27 45 5 28 23

Installation, maintenance, and repair ................. 32 1 53 15 61 2 24 13

Production, transportation, and material moving ... 27 1 50 22 54 4 23 19

Production ......................................................... 27 2 ( ) 55 18 60 3 22 15

Transportation and material moving .................. 27 2 45 26 49 5 24 23

Full time ................................................................. 36 2 ( ) 52 12 61 2 27 10

Part time ................................................................ 9 5 15 71 15 16 9 60

Union ..................................................................... 79 2 14 6 40 1 52 7

Nonunion ............................................................... 21 1 49 29 53 6 17 24

Wage percentiles:3

Lowest 10 percent ............................................. 3 2 23 72 16 16 10 59

Lowest 25 percent ............................................. 8 2 34 56 28 12 14 47

Second 25 percent ............................................ 25 1 54 20 55 5 23 17

Third 25 percent ................................................ 36 1 50 12 59 3 27 10

Highest 25 percent ............................................ 53 1 38 7 63 2 28 6

Highest 10 percent ............................................ 53 1 39 7 66 2 27 5

Establishment characteristics

Goods-producing industries ................................... 31 1 54 14 64 3 21 12

Service-providing industries .................................. 30 2 42 27 48 6 23 23

Education and health services ........................... 45 2 36 18 45 4 35 16

Educational services ...................................... 71 4 15 10 31 1 55 13

Elementary and secondary schools ........... 82 4 6 8 18 1 70 11

Junior colleges, colleges, and universities 54 2 33 11 61 1 26 12

Health care and social assistance ................. 25 1 51 23 56 6 20 18

Hospitals .................................................... 50 2 38 10 67 3 21 9

Public administration ......................................... 81 2 7 10 33 1 55 11

See footnotes at end of table.
Table 39. Benefit combinations: Access, civilian workers,1 National Compensation Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics

Defined benefit retirement and medical care

benefits

Defined contribution retirement and medical care

benefits

Defined

benefit and

medical

care

benefits

Defined

benefit and

no medical

care

benefits

Medical

care

benefits

and no

defined

benefit

No defined

benefit and

no medical

care

benefits

Defined

contribution

and

medical

care

benefits

Defined

contribution

and no

medical

care

benefits

Medical

care

benefits

and no

defined

contribution

No defined

contribution

and no

medical

care

benefits

1 to 99 workers ...................................................... 11 1 49 39 40 8 19 32

1 to 49 workers .................................................. 9 1 47 43 37 8 19 36

50 to 99 workers ................................................ 17 2 54 27 51 7 20 21

100 workers or more .............................................. 46 2 39 13 60 3 26 11

100 to 499 workers ............................................ 30 2 52 16 61 4 20 14

500 workers or more .......................................... 61 2 28 9 58 2 31 8

Geographic areas

New England ......................................................... 29 1 43 26 46 4 26 23

Middle Atlantic ....................................................... 34 2 40 24 49 5 25 20

East North Central ................................................. 31 2 42 25 52 6 21 21

West North Central ................................................ 29 2 42 27 51 7 20 22

South Atlantic ........................................................ 29 1 47 24 57 6 19 19

East South Central ................................................ 26 2 51 21 51 5 26 17

West South Central ............................................... 27 1 43 29 48 6 22 24

Mountain ................................................................ 24 2 47 26 51 5 20 24

Pacific .................................................................... 32 1 43 24 47 4 28 21

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government. See

Technical Note for further explanation. 2 Less than 0.5 percent. 3 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2008." See Technical Note for

more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dash

indicates no workers in this category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 39. Standard errors for benefit combinations: Access, civilian workers,1 National Compensation Survey, March

2009

Characteristics

Medical care and retirement benefits Medical care and life insurance

Medical

care and

retirement

benefits

Medical

care and no

retirement

benefits

Retirement

benefits

and no

medical

care

benefits

No medical

care and no

retirement

benefits

Medical

care

benefits

and life

insurance

Medical

care

benefits

and no life

insurance

Life

insurance

and no

medical

care

benefits

No medical

care and no

life

insurance

All workers ............................................................. 0.5 0.4 0.3 0.5 0.6 0.4 0.1 0.6

Worker characteristics

Management, professional, and related ................ 0.7 0.6 0.4 0.6 0.7 0.6 0.2 0.7

Management, business, and financial ............... 1.1 0.8 0.4 0.6 0.9 0.7 0.3 0.8

Professional and related .................................... 0.8 0.7 0.5 0.7 0.9 0.7 0.2 0.8

Teachers ........................................................ 1.2 0.6 0.9 0.9 1.3 1.0 0.2 1.1

Primary, secondary, and special education

school teachers ........................................ 1.2 0.8 0.7 1.5 1.6 1.3 0.2 1.7

Registered nurses ......................................... 2.4 1.1 2.6 1.8 2.3 1.7 0.6 2.3

Service ................................................................... 1.5 0.9 0.8 1.6 1.9 0.9 0.3 1.6

Protective service .............................................. 2.9 2.9 1.0 2.6 2.6 1.7 1.5 2.1

Sales and office ..................................................... 0.7 0.4 0.5 0.8 0.8 0.5 0.2 0.7

Sales and related ............................................... 1.0 0.7 0.8 1.2 1.0 0.7 0.3 1.1

Office and administrative support ...................... 1.1 0.6 0.5 1.0 1.1 0.7 0.2 1.0

Natural resources, construction, and maintenance 1.4 0.8 0.5 1.3 1.4 1.1 0.4 1.2

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.0 1.1 0.9 1.9 1.8 1.5 0.7 1.8

Installation, maintenance, and repair ................. 1.6 1.2 0.5 1.4 1.8 1.4 0.3 1.5

Production, transportation, and material moving ... 1.3 0.8 0.4 1.1 1.2 0.7 0.3 1.1

Production ......................................................... 1.7 1.2 0.5 1.3 1.6 0.9 0.4 1.4

Transportation and material moving .................. 1.8 0.9 0.7 1.7 1.6 1.0 0.3 1.7

Full time ................................................................. 0.5 0.5 0.2 0.4 0.5 0.4 0.1 0.4

Part time ................................................................ 0.7 0.4 0.9 1.2 0.6 0.6 0.3 0.9

Union ..................................................................... 0.8 0.5 0.4 0.7 1.1 0.9 0.2 0.8

Nonunion ............................................................... 0.6 0.5 0.3 0.6 0.7 0.4 0.1 0.7

Wage percentiles:3

Lowest 10 percent ............................................. 2.2 0.9 1.2 2.4 2.5 1.1 0.3 2.5

Lowest 25 percent ............................................. 1.2 0.6 0.7 1.3 1.4 0.6 0.3 1.3

Second 25 percent ............................................ 1.0 0.7 0.5 0.8 1.0 0.6 0.2 0.9

Third 25 percent ................................................ 0.8 0.6 0.3 0.6 0.8 0.5 0.2 0.6

Highest 25 percent ............................................ 0.6 0.4 0.4 0.5 0.7 0.6 0.2 0.6

Highest 10 percent ............................................ 0.8 0.5 0.7 0.5 1.0 0.8 0.3 0.9

Establishment characteristics

Goods-producing industries ................................... 1.0 0.8 0.4 0.8 0.9 0.6 0.3 0.8

Service-providing industries .................................. 0.6 0.5 0.3 0.6 0.7 0.4 0.1 0.7

Education and health services ........................... 1.1 0.9 0.5 0.9 1.0 0.9 0.2 1.0

Educational services ...................................... 0.7 0.4 0.5 0.6 1.0 1.0 0.2 0.7

Elementary and secondary schools ........... 0.7 0.4 0.5 0.4 1.2 1.2 0.2 0.5

Junior colleges, colleges, and universities 1.2 0.9 0.4 0.9 1.3 1.0 0.3 1.0

Health care and social assistance ................. 1.8 1.4 0.8 1.4 1.5 1.2 0.4 1.5

Hospitals .................................................... 1.2 0.4 0.7 0.8 1.2 0.5 0.4 0.8

Public administration ......................................... 1.3 0.6 0.5 1.0 1.9 1.5 0.2 1.1

See footnotes at end of table.
Table 39. Standard errors for benefit combinations: Access, civilian workers,1 National Compensation Survey, March

2009—Continued

Characteristics

Medical care and retirement benefits Medical care and life insurance

Medical

care and

retirement

benefits

Medical

care and no

retirement

benefits

Retirement

benefits

and no

medical

care

benefits

No medical

care and no

retirement

benefits

Medical

care

benefits

and life

insurance

Medical

care

benefits

and no life

insurance

Life

insurance

and no

medical

care

benefits

No medical

care and no

life

insurance

1 to 99 workers ...................................................... 0.8 0.8 0.5 1.0 0.9 0.6 0.2 0.9

1 to 49 workers .................................................. 0.9 1.0 0.5 1.1 1.0 0.7 0.2 1.1

50 to 99 workers ................................................ 1.5 1.2 1.0 1.2 1.6 1.2 0.4 1.3

100 workers or more .............................................. 0.6 0.4 0.3 0.5 0.6 0.4 0.2 0.5

100 to 499 workers ............................................ 1.0 0.6 0.4 0.9 1.0 0.6 0.3 0.9

500 workers or more .......................................... 0.6 0.4 0.4 0.5 0.7 0.4 0.2 0.5

Geographic areas

New England ......................................................... 1.7 1.7 1.0 1.4 1.4 1.2 0.2 1.1

Middle Atlantic ....................................................... 1.3 0.8 0.8 1.4 1.5 0.9 0.4 1.7

East North Central ................................................. 1.3 1.1 0.6 0.9 1.3 0.5 0.3 1.1

West North Central ................................................ 1.6 1.0 1.0 1.2 1.6 1.0 0.4 1.3

South Atlantic ........................................................ 1.4 1.3 0.7 1.3 1.5 0.8 0.2 1.3

East South Central ................................................ 3.6 1.0 1.0 4.2 5.8 2.3 0.5 4.5

West South Central ............................................... 1.6 0.8 1.0 1.2 1.5 0.8 0.6 1.6

Mountain ................................................................ 2.5 1.6 0.7 2.8 2.2 1.3 0.5 3.0

Pacific .................................................................... 1.5 1.1 0.5 1.3 1.6 1.3 0.3 1.2

See footnotes at end of table.
Table 39. Standard errors for benefit combinations: Access, civilian workers,1 National Compensation Survey, March

2009—Continued

Characteristics

Defined benefit retirement and medical care

benefits

Defined contribution retirement and medical care

benefits

Defined

benefit and

medical

care

benefits

Defined

benefit and

no medical

care

benefits

Medical

care

benefits

and no

defined

benefit

No defined

benefit and

no medical

care

benefits

Defined

contribution

and

medical

care

benefits

Defined

contribution

and no

medical

care

benefits

Medical

care

benefits

and no

defined

contribution

No defined

contribution

and no

medical

care

benefits

All workers ............................................................. 0.6 0.1 0.7 0.6 0.6 0.3 0.5 0.5

Worker characteristics

Management, professional, and related ................ 0.9 0.2 1.0 0.7 0.9 0.3 0.8 0.6

Management, business, and financial ............... 1.4 0.2 1.2 0.7 1.1 0.3 1.0 0.6

Professional and related .................................... 1.0 0.3 1.2 0.8 1.0 0.4 1.0 0.7

Teachers ........................................................ 1.6 0.8 1.3 0.9 1.5 0.4 1.6 1.1

Primary, secondary, and special education

school teachers ........................................ 1.5 0.3 1.6 1.6 1.7 – 2.0 –

Registered nurses ......................................... 2.6 0.4 2.4 2.4 2.1 2.5 2.0 1.8

Service ................................................................... 0.8 0.1 2.0 1.6 1.8 0.8 1.1 1.6

Protective service .............................................. 2.9 0.3 3.3 2.4 2.5 0.9 2.8 2.6

Sales and office ..................................................... 0.7 0.2 0.9 0.7 0.8 0.4 0.6 0.8

Sales and related ............................................... 0.8 0.4 1.3 1.1 1.0 0.7 0.8 1.2

Office and administrative support ...................... 0.8 0.2 1.1 1.0 1.2 0.5 0.8 1.0

Natural resources, construction, and maintenance 1.4 0.2 1.3 1.3 1.3 0.5 1.1 1.2

Construction, extraction, farming, fishing, and

forestry ............................................................. 1.9 0.3 1.9 1.9 1.9 0.8 1.7 1.9

Installation, maintenance, and repair ................. 1.7 0.2 1.8 1.5 1.7 0.4 1.4 1.4

Production, transportation, and material moving ... 1.1 0.2 1.1 1.2 1.2 0.4 1.0 1.1

Production ......................................................... 1.3 2 ( ) 1.6 1.5 1.8 0.5 1.3 1.3

Transportation and material moving .................. 1.4 0.3 1.4 1.7 1.6 0.7 1.4 1.7

Full time ................................................................. 0.7 2 ( ) 0.8 0.4 0.6 0.2 0.6 0.4

Part time ................................................................ 0.5 0.3 0.7 0.9 0.6 0.9 0.5 1.1

Union ..................................................................... 1.1 0.2 1.0 0.8 1.2 0.4 1.2 0.7

Nonunion ............................................................... 0.6 0.1 0.7 0.7 0.7 0.3 0.6 0.6

Wage percentiles:3

Lowest 10 percent ............................................. 0.4 0.4 2.6 2.5 2.2 1.2 0.9 2.5

Lowest 25 percent ............................................. 0.5 0.2 1.4 1.2 1.2 0.7 0.7 1.3

Second 25 percent ............................................ 0.8 0.1 0.9 0.9 1.0 0.5 0.7 0.8

Third 25 percent ................................................ 0.8 0.1 0.8 0.6 0.9 0.3 0.8 0.6

Highest 25 percent ............................................ 0.8 0.2 1.0 0.6 0.7 0.3 0.6 0.5

Highest 10 percent ............................................ 1.2 0.2 1.2 0.8 1.0 0.7 0.9 0.6

Establishment characteristics

Goods-producing industries ................................... 1.2 0.2 1.3 0.8 1.1 0.4 0.9 0.8

Service-providing industries .................................. 0.6 0.1 0.8 0.7 0.7 0.3 0.6 0.6

Education and health services ........................... 1.1 0.2 1.2 1.0 1.3 0.5 1.2 1.0

Educational services ...................................... 0.9 0.5 0.8 0.6 1.4 0.2 1.6 0.7

Elementary and secondary schools ........... 1.0 0.4 0.7 0.5 1.5 0.3 1.5 0.5

Junior colleges, colleges, and universities 2.4 0.4 2.5 0.9 2.8 0.2 2.9 1.1

Health care and social assistance ................. 1.3 0.3 1.8 1.6 2.0 0.8 1.7 1.4

Hospitals .................................................... 2.2 0.6 2.0 0.9 1.9 0.4 1.8 0.9

Public administration ......................................... 1.5 0.4 0.9 1.0 2.2 0.3 2.2 1.1

See footnotes at end of table.
Table 39. Standard errors for benefit combinations: Access, civilian workers,1 National Compensation Survey, March

2009—Continued

Characteristics

Defined benefit retirement and medical care

benefits

Defined contribution retirement and medical care

benefits

Defined

benefit and

medical

care

benefits

Defined

benefit and

no medical

care

benefits

Medical

care

benefits

and no

defined

benefit

No defined

benefit and

no medical

care

benefits

Defined

contribution

and

medical

care

benefits

Defined

contribution

and no

medical

care

benefits

Medical

care

benefits

and no

defined

contribution

No defined

contribution

and no

medical

care

benefits

1 to 99 workers ...................................................... 0.5 0.1 0.9 1.0 0.8 0.5 0.8 0.9

1 to 49 workers .................................................. 0.5 0.2 1.1 1.2 0.9 0.5 1.0 1.1

50 to 99 workers ................................................ 1.3 0.3 1.7 1.3 1.5 0.9 1.2 1.3

100 workers or more .............................................. 1.0 0.1 1.1 0.5 0.8 0.3 0.6 0.5

100 to 499 workers ............................................ 1.0 0.2 1.0 0.9 1.1 0.4 0.9 0.9

500 workers or more .......................................... 2.0 0.2 2.1 0.5 1.2 0.4 1.1 0.5

Geographic areas

New England ......................................................... 1.7 0.4 1.8 1.2 1.5 0.8 1.6 1.2

Middle Atlantic ....................................................... 1.3 0.1 1.4 1.7 1.1 0.8 1.1 1.5

East North Central ................................................. 1.1 0.2 1.1 1.1 1.3 0.6 1.1 0.9

West North Central ................................................ 2.2 0.4 1.9 1.3 1.6 0.9 1.9 1.1

South Atlantic ........................................................ 1.0 0.2 1.3 1.3 1.4 0.7 1.5 1.4

East South Central ................................................ 5.0 0.6 6.2 4.4 5.3 0.9 3.1 4.2

West South Central ............................................... 1.4 0.2 1.9 1.6 1.8 1.0 1.2 1.3

Mountain ................................................................ 1.8 0.4 2.0 3.1 2.0 1.0 2.6 2.2

Pacific .................................................................... 1.3 0.2 1.4 1.3 1.5 0.5 1.4 1.3

1 Includes workers in the private nonfarm economy except those in private

households, and workers in the public sector, except the federal government. See

Technical Note for further explanation. 2 Less than 0.05. 3 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2008." See Technical Note for

more details.

NOTE: Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Private Industry Tables 

___________________________________________________________________________ 

Types of Benefits 

• Retirement Benefits

• Health Care Benefits 

• Life, Short-term Disability, and Long-term Disability Insurance Benefits

• Establishment Data

• Holidays, Vacation and Sick Leave, and Other Leave Benefits

• Other Benefits

___________________________________________________________________________ 

 
Table 1. Establishments offering retirement and health care benefits: private

industry workers, National Compensation Survey, March 2009

(All establishments = 100 percent)

Characteristics

Retirement benefits

Health care

benefits All plans1 Defined

benefit

Defined

contribution

All establishments .................................................. 48 11 47 63

Establishment characteristics

Goods-producing industries ................................... 43 11 40 61

Construction ...................................................... 36 12 32 52

Manufacturing .................................................... 54 10 53 76

Service-providing industries .................................. 49 11 48 63

Trade, transportation, and utilities ..................... 52 11 51 69

Wholesale trade ............................................. 63 11 62 83

Retail trade .................................................... 48 9 47 62

Transportation and warehousing ................... 43 – 42 76

Utilities ........................................................... 94 73 93 96

Information ......................................................... 73 44 73 90

Financial activities ............................................. 67 28 64 75

Finance and insurance .................................. 75 34 73 83

Credit intermediation and related activities 89 53 87 95

Insurance carriers and related activities .... 55 13 55 68

Real estate and rental and leasing ................ 52 16 45 58

Professional and business services .................. 50 5 49 64

Professional and technical services .............. 55 – 54 66

Administrative and waste services ................ 37 6 36 58

Education and health services ........................... 58 7 57 61

Educational services ...................................... 44 – 42 62

Junior colleges, colleges, and universities 88 16 87 89

Health care and social assistance ................. 59 – 59 61

Leisure and hospitality ....................................... 21 3 21 42

Accommodation and food services ................ 21 3 21 41

Other services ................................................... 36 7 34 51

1 to 99 workers ...................................................... 47 10 45 61

1 to 49 workers .................................................. 45 9 44 60

50 to 99 workers ................................................ 76 20 73 87

100 workers or more .............................................. 83 30 80 95

100 to 499 workers ............................................ 81 26 79 95

500 workers or more .......................................... 93 54 90 96

See footnotes at end of table.
Table 1. Establishments offering retirement and health care benefits: private

industry workers, National Compensation Survey, March 2009—Continued

(All establishments = 100 percent)

Characteristics

Retirement benefits

Health care

benefits All plans1 Defined

benefit

Defined

contribution

Geographic areas

New England ......................................................... 42 – 41 56

Middle Atlantic ....................................................... 51 14 48 63

East North Central ................................................. 56 14 55 70

West North Central ................................................ 57 – 54 65

South Atlantic ........................................................ 52 10 52 59

East South Central ................................................ 36 – 36 70

West South Central ............................................... 42 8 41 59

Mountain ................................................................ 42 10 41 60

Pacific .................................................................... 44 10 42 64

1 Includes defined benefit pension plans and defined

contribution retirement plans. The total is less than the

sum of the individual items because some employers

offered both types of plans.

NOTE: Dash indicates no establishments in this category

or data did not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 1. Standard errors for establishments offering retirement and health care

benefits: private industry workers, National Compensation Survey, March 2009

Characteristics

Retirement benefits

Health care

benefits All plans1 Defined

benefit

Defined

contribution

All establishments .................................................. 1.3 0.7 1.3 1.4

Establishment characteristics

Goods-producing industries ................................... 3.0 1.6 2.8 2.9

Construction ...................................................... 4.2 2.4 4.0 3.9

Manufacturing .................................................... 4.0 1.2 4.0 3.9

Service-providing industries .................................. 1.6 0.7 1.5 1.6

Trade, transportation, and utilities ..................... 2.9 1.2 2.8 2.2

Wholesale trade ............................................. 4.9 1.9 4.9 3.5

Retail trade .................................................... 2.6 1.3 2.5 2.8

Transportation and warehousing ................... 9.8 – 9.6 6.8

Utilities ........................................................... 3.6 9.4 3.7 2.6

Information ......................................................... 7.4 11.5 7.4 4.1

Financial activities ............................................. 3.3 2.0 4.0 3.0

Finance and insurance .................................. 3.1 2.8 3.1 2.6

Credit intermediation and related activities 3.7 4.0 3.7 1.8

Insurance carriers and related activities .... 5.6 3.4 5.6 5.5

Real estate and rental and leasing ................ 7.7 3.6 9.4 6.9

Professional and business services .................. 4.5 1.0 4.5 4.2

Professional and technical services .............. 5.8 – 5.8 5.6

Administrative and waste services ................ 5.2 1.7 5.1 6.3

Education and health services ........................... 7.4 2.0 7.2 7.5

Educational services ...................................... 11.9 – 11.7 14.7

Junior colleges, colleges, and universities 5.1 4.8 5.1 5.7

Health care and social assistance ................. 8.1 – 8.0 8.2

Leisure and hospitality ....................................... 2.5 0.7 2.4 5.1

Accommodation and food services ................ 2.7 0.8 2.7 5.5

Other services ................................................... 4.3 1.6 4.1 4.1

1 to 99 workers ...................................................... 1.4 0.7 1.4 1.5

1 to 49 workers .................................................. 1.5 0.7 1.4 1.5

50 to 99 workers ................................................ 2.7 1.9 2.7 2.5

100 workers or more .............................................. 5.1 3.7 5.0 1.1

100 to 499 workers ............................................ 5.9 3.9 5.8 1.3

500 workers or more .......................................... 1.2 4.9 1.3 0.7

See footnotes at end of table.
Table 1. Standard errors for establishments offering retirement and health care

benefits: private industry workers, National Compensation Survey, March

2009—Continued

Characteristics

Retirement benefits

Health care

benefits All plans1 Defined

benefit

Defined

contribution

Geographic areas

New England ......................................................... 4.2 – 4.2 7.3

Middle Atlantic ....................................................... 4.4 2.1 3.5 2.1

East North Central ................................................. 2.9 1.3 2.7 3.3

West North Central ................................................ 5.0 – 5.0 3.3

South Atlantic ........................................................ 2.6 1.7 2.5 3.8

East South Central ................................................ 8.6 – 8.6 4.4

West South Central ............................................... 2.8 1.3 2.8 4.6

Mountain ................................................................ 6.9 2.2 7.2 2.8

Pacific .................................................................... 3.8 0.9 3.8 3.7

1 Includes defined benefit pension plans and defined contribution retirement plans. The total is less than the sum of the

individual items because some employers offered both types of plans.

NOTE: Dash indicates no establishments in this category or data did not meet publication criteria. For definitions of major

plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 2. Retirement benefits: Access, participation, and take-up rates,1 private industry workers, National Compensation

Survey, March 2009

(All workers = 100 percent)

Characteristics

All retirement benefits2 Defined benefit Defined contribution

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

All workers ............................................................. 67 51 77 21 20 93 61 43 70

Worker characteristics

Management, professional, and related ................ 80 69 87 30 28 95 75 60 80

Management, business, and financial ............... 86 77 90 35 33 95 83 69 83

Professional and related .................................... 77 65 85 27 25 94 72 56 78

Service ................................................................... 45 26 57 8 8 92 41 21 51

Protective service .............................................. 44 23 51 7 5 70 42 21 49

Sales and office ..................................................... 71 54 75 20 18 89 67 47 70

Sales and related ............................................... 67 44 66 15 12 80 61 39 63

Office and administrative support ...................... 74 60 81 24 22 93 70 52 74

Natural resources, construction, and maintenance 68 53 79 26 26 98 58 41 71

Construction, extraction, farming, fishing, and

forestry ............................................................. 64 49 76 25 25 98 52 36 69

Installation, maintenance, and repair ................. 72 59 81 28 27 97 65 48 74

Production, transportation, and material moving ... 69 53 77 26 24 95 60 41 68

Production ......................................................... 70 56 80 27 26 97 63 45 71

Transportation and material moving .................. 68 50 74 25 23 93 56 37 65

Full time ................................................................. 76 61 80 25 24 95 70 51 74

Part time ................................................................ 39 22 55 11 9 80 34 16 48

Union ..................................................................... 87 82 94 68 66 97 54 44 81

Nonunion ............................................................... 65 48 74 16 15 91 62 43 69

Wage percentiles:3

Lowest 10 percent ............................................. 35 15 43 5 3 67 33 13 40

Lowest 25 percent ............................................. 43 23 52 8 6 77 39 19 49

Second 25 percent ............................................ 69 50 73 16 15 91 64 43 67

Third 25 percent ................................................ 76 63 83 25 24 96 69 52 75

Highest 25 percent ............................................ 84 75 89 39 38 96 77 62 81

Highest 10 percent ............................................ 86 78 90 39 37 95 81 68 84

Establishment characteristics

Goods-producing industries ................................... 75 62 83 31 29 96 67 51 75

Construction ...................................................... 62 47 76 19 18 97 51 36 71

Manufacturing .................................................... 81 68 85 35 34 96 74 56 76

Service-providing industries .................................. 65 49 75 19 18 92 60 41 69

Trade, transportation, and utilities ..................... 73 53 72 22 19 86 64 44 68

Wholesale trade ............................................. 80 64 81 17 16 96 75 58 77

Retail trade .................................................... 69 44 63 16 12 74 60 37 61

Transportation and warehousing ................... 76 64 84 35 33 94 61 46 75

Utilities ........................................................... 95 93 98 85 83 98 91 73 80

See footnotes at end of table.
Table 2. Retirement benefits: Access, participation, and take-up rates,1 private industry workers, National Compensation

Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics

All retirement benefits2 Defined benefit Defined contribution

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

Information ......................................................... 83 74 88 49 48 97 81 60 74

Financial activities ............................................. 84 73 87 43 41 96 81 62 76

Finance and insurance .................................. 90 82 92 51 49 96 87 69 79

Credit intermediation and related activities 94 86 92 57 55 97 91 69 76

Insurance carriers and related activities .... 85 78 91 47 45 95 83 69 83

Real estate and rental and leasing ................ 65 42 64 12 12 98 60 35 58

Professional and business services .................. 59 48 80 13 13 97 58 44 77

Professional and technical services .............. 73 62 85 10 10 100 73 60 83

Administrative and waste services ................ 38 25 67 9 9 99 36 23 64

Education and health services ........................... 71 56 79 21 20 94 64 45 71

Educational services ...................................... 75 63 84 18 15 87 67 55 82

Junior colleges, colleges, and universities 88 78 88 18 15 84 87 75 86

Health care and social assistance ................. 70 55 78 22 21 95 63 43 69

Leisure and hospitality ....................................... 39 18 46 3 2 89 37 16 43

Accommodation and food services ................ 38 17 44 3 2 96 37 15 41

Other services ................................................... 45 31 68 9 9 92 40 24 62

1 to 99 workers ...................................................... 53 36 69 10 9 91 49 32 65

1 to 49 workers .................................................. 48 33 69 8 8 93 46 30 65

50 to 99 workers ................................................ 66 46 69 15 13 86 61 40 66

100 workers or more .............................................. 83 68 82 34 32 94 74 55 74

100 to 499 workers ............................................ 79 61 77 24 22 92 72 51 71

500 workers or more .......................................... 88 77 88 48 46 95 78 60 77

Geographic areas

New England ......................................................... 63 50 80 21 20 95 58 42 73

Middle Atlantic ....................................................... 69 58 84 27 25 95 60 47 77

East North Central ................................................. 70 55 78 26 24 91 62 44 71

West North Central ................................................ 70 55 79 22 20 94 63 46 73

South Atlantic ........................................................ 68 49 72 18 16 90 65 44 67

East South Central ................................................ 69 49 71 – – – 65 43 67

West South Central ............................................... 62 44 71 18 17 94 60 38 64

Mountain ................................................................ 66 50 76 17 16 95 62 44 70

Pacific .................................................................... 63 49 77 23 22 96 56 39 70

1 The take-up rate is an estimate of the percentage of workers with access to a plan

who participate in the plan, rounded for presentation. See Technical Note for more details. 2 Includes defined benefit pension plans and defined contribution retirement plans. The

total is less than the sum of the individual items because some employees had access to

and participated in both types of plans. 3 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria.

For definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 2. Standard errors for retirement benefits: Access, participation, and take-up rates,1 private industry workers, 

National Compensation Survey, March 2009

Characteristics

All retirement benefits2 Defined benefit Defined contribution

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

All workers ............................................................. 0.6 0.6 0.5 0.6 0.5 0.5 0.6 0.5 0.5

Worker characteristics

Management, professional, and related ................ 0.9 1.0 0.7 1.2 1.1 0.6 1.0 0.9 0.6

Management, business, and financial ............... 1.1 1.1 0.9 1.5 1.6 0.7 1.1 1.0 1.0

Professional and related .................................... 1.1 1.2 0.9 1.2 1.2 0.7 1.2 1.2 0.8

Service ................................................................... 1.9 1.6 1.9 0.6 0.6 1.2 1.9 1.6 2.1

Protective service .............................................. 5.4 3.4 5.0 1.1 0.9 6.6 5.5 3.3 5.1

Sales and office ..................................................... 0.9 0.7 0.6 0.7 0.6 0.9 0.9 0.6 0.6

Sales and related ............................................... 1.1 0.8 0.9 1.0 0.8 2.0 1.2 0.8 0.9

Office and administrative support ...................... 1.3 1.1 0.6 0.8 0.8 0.6 1.3 1.0 0.6

Natural resources, construction, and maintenance 1.5 1.5 1.0 1.4 1.4 0.6 1.4 1.3 1.1

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.2 2.1 1.6 1.9 1.9 0.8 2.2 1.8 1.7

Installation, maintenance, and repair ................. 1.7 1.7 1.3 1.8 1.7 0.8 1.8 1.6 1.3

Production, transportation, and material moving ... 1.3 1.2 1.0 1.1 1.1 0.6 1.3 1.1 0.9

Production ......................................................... 1.8 1.6 1.0 1.4 1.3 0.6 1.8 1.5 1.2

Transportation and material moving .................. 1.8 1.6 1.5 1.5 1.3 1.0 1.8 1.3 1.5

Full time ................................................................. 0.6 0.6 0.5 0.7 0.6 0.4 0.6 0.5 0.5

Part time ................................................................ 1.3 1.0 1.6 0.6 0.5 1.7 1.1 0.8 1.5

Union ..................................................................... 1.2 1.2 0.5 1.7 1.6 0.3 1.6 1.6 1.1

Nonunion ............................................................... 0.7 0.6 0.6 0.5 0.5 0.7 0.7 0.5 0.5

Wage percentiles:3

Lowest 10 percent ............................................. 2.6 2.3 4.2 0.7 0.6 4.7 2.7 2.3 4.7

Lowest 25 percent ............................................. 1.3 1.1 1.6 0.5 0.5 2.2 1.4 1.1 1.7

Second 25 percent ............................................ 1.1 1.0 0.8 0.8 0.7 0.8 1.1 0.9 0.8

Third 25 percent ................................................ 0.8 0.8 0.6 0.8 0.7 0.3 0.9 0.7 0.6

Highest 25 percent ............................................ 0.7 0.8 0.5 1.1 1.1 0.4 0.8 0.7 0.6

Highest 10 percent ............................................ 0.9 1.0 0.7 1.3 1.3 0.7 1.0 1.0 0.8

Establishment characteristics

Goods-producing industries ................................... 1.1 1.1 0.8 1.3 1.2 0.6 1.1 1.1 0.9

Construction ...................................................... 2.1 1.8 1.4 1.7 1.7 1.0 2.0 1.6 1.6

Manufacturing .................................................... 1.4 1.4 0.9 1.6 1.6 0.7 1.5 1.4 1.1

Service-providing industries .................................. 0.7 0.7 0.6 0.6 0.6 0.6 0.8 0.7 0.6

Trade, transportation, and utilities ..................... 1.1 0.9 0.8 1.0 0.9 1.3 1.2 0.9 0.8

Wholesale trade ............................................. 2.2 1.9 1.3 1.9 1.9 1.4 2.3 1.8 1.3

Retail trade .................................................... 1.1 0.9 0.9 1.1 0.9 2.5 1.2 0.9 0.9

Transportation and warehousing ................... 2.7 2.5 1.8 3.1 2.8 1.4 2.9 2.4 2.0

Utilities ........................................................... 2.1 2.1 0.4 3.3 3.2 0.8 2.5 3.3 3.3

See footnotes at end of table.
Table 2. Standard errors for retirement benefits: Access, participation, and take-up rates,1 private industry workers, 

National Compensation Survey, March 2009—Continued

Characteristics

All retirement benefits2 Defined benefit Defined contribution

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

Information ......................................................... 2.5 2.9 1.6 3.9 3.9 0.8 2.5 2.1 1.3

Financial activities ............................................. 1.4 1.3 1.0 1.3 1.3 0.4 1.7 1.5 1.0

Finance and insurance .................................. 1.0 0.9 0.5 1.5 1.4 0.5 1.2 1.1 0.6

Credit intermediation and related activities 0.9 1.1 0.7 2.1 2.1 0.5 1.2 1.2 0.7

Insurance carriers and related activities .... 1.7 1.6 0.9 2.7 2.5 1.0 1.9 1.7 1.1

Real estate and rental and leasing ................ 4.0 3.3 4.6 2.5 2.5 1.6 4.6 3.0 4.4

Professional and business services .................. 1.9 2.0 1.3 1.7 1.7 0.9 1.9 1.9 1.4

Professional and technical services .............. 2.7 2.6 1.5 1.7 1.7 0.2 2.8 2.7 1.7

Administrative and waste services ................ 2.6 2.4 3.4 2.2 2.2 0.6 2.6 2.3 3.5

Education and health services ........................... 1.7 1.6 1.2 1.2 1.1 0.6 2.0 1.6 1.2

Educational services ...................................... 2.7 2.5 1.7 2.8 2.7 2.8 2.2 2.0 1.6

Junior colleges, colleges, and universities 1.0 1.4 1.0 3.2 3.3 3.7 1.2 1.5 1.0

Health care and social assistance ................. 1.9 1.8 1.3 1.4 1.3 0.6 2.2 1.8 1.4

Leisure and hospitality ....................................... 4.7 3.8 5.0 0.6 0.6 5.5 4.8 3.9 5.7

Accommodation and food services ................ 4.8 4.1 5.9 0.7 0.6 2.8 4.9 4.2 6.7

Other services ................................................... 2.9 2.5 3.3 1.7 1.6 3.6 2.9 2.2 3.5

1 to 99 workers ...................................................... 0.9 0.9 1.0 0.6 0.5 1.1 0.9 0.7 1.0

1 to 49 workers .................................................. 1.2 1.0 1.0 0.5 0.5 1.1 1.1 0.9 1.1

50 to 99 workers ................................................ 1.6 1.5 1.8 1.4 1.2 2.1 1.7 1.4 1.7

100 workers or more .............................................. 0.8 0.8 0.6 1.2 1.1 0.5 0.8 0.7 0.5

100 to 499 workers ............................................ 1.2 1.1 0.8 1.1 1.0 0.8 1.1 1.0 0.8

500 workers or more .......................................... 0.9 1.1 1.0 2.5 2.4 0.4 1.1 0.8 0.8

Geographic areas

New England ......................................................... 2.2 1.9 1.7 1.6 1.6 1.1 2.1 1.4 1.5

Middle Atlantic ....................................................... 1.0 1.1 0.7 1.2 1.1 0.8 1.1 1.0 0.8

East North Central ................................................. 1.3 1.1 1.1 1.2 1.0 1.1 1.4 1.1 1.3

West North Central ................................................ 2.0 2.4 1.8 1.5 1.4 1.5 1.9 2.2 2.0

South Atlantic ........................................................ 1.1 1.1 1.6 0.8 0.8 1.4 1.2 0.9 1.5

East South Central ................................................ 4.9 4.4 2.1 – – – 5.1 4.2 1.7

West South Central ............................................... 1.6 2.0 2.4 1.2 1.3 1.1 1.7 1.7 2.1

Mountain ................................................................ 2.7 2.6 1.4 1.4 1.6 2.2 2.1 2.0 1.5

Pacific .................................................................... 2.0 2.0 1.1 1.7 1.7 0.8 1.9 1.7 0.9

1 The take-up rate is an estimate of the percentage of workers with access to a plan who participate in the plan, rounded for presentation. See Technical Note for more details. 2 Includes defined benefit pension plans and defined contribution retirement plans. The total is less than the sum of the individual items because some employees had access to and

participated in both types of plans. 3 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the threshold. The percentile values are

based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 3. Defined benefit retirement plans: Employee contribution requirement and method

of contribution, private industry workers, National Compensation Survey, March 2009

(All workers participating in defined benefit plans = 100 percent)

Characteristics

Employee

contribution

required

Fixed percent of earnings1

Employee

contibution

Total not required

Mean fixed

percent of

earnings

Median fixed

percent of

earnings

All workers ............................................................. 4 2 4.8 – 96

Worker characteristics

Management, professional, and related ................ 3 3 4.6 – 97

Management, business, and financial ............... 2 1 4.6 5.0 98

Professional and related .................................... 4 4 4.5 – 96

Sales and office:

 Sales and related ............................................... 1 – – – 99

Natural resources, construction, and maintenance 5 2 3.5 – 95

Construction, extraction, farming, fishing, and

forestry ............................................................. 4 – – – 96

Installation, maintenance, and repair ................. 6 – – – 94

Production, transportation, and material moving ... 5 1 3.3 – 95

Production ......................................................... 4 – – – 96

Transportation and material moving .................. 6 2 3.4 – 94

Full time ................................................................. 4 2 4.7 – 96

Part time ................................................................ 5 – – – 95

Union ..................................................................... 4 – – – 96

Nonunion ............................................................... 4 3 4.3 – 96

Wage percentiles:2

Second 25 percent ............................................ 2 2 – – 98

Third 25 percent ................................................ 3 1 4.3 3.9 97

Highest 25 percent ............................................ 4 2 4.3 – 96

Highest 10 percent ............................................ 3 2 4.9 – 97

Establishment characteristics

Goods-producing industries ................................... 3 1 3.0 3.0 97

Construction ...................................................... 4 – – – 96

Manufacturing .................................................... 2 1 3.0 3.0 98

Service-providing industries .................................. 4 3 5.0 – 96

Trade, transportation, and utilities ..................... 4 2 2.9 – 96

Retail trade .................................................... – – – – 100

Transportation and warehousing ................... 6 – – – 94

 Financial activities:

 Finance and insurance .................................. 1 3 ( ) 2.6 – 99

See footnotes at end of table.
Table 3. Defined benefit retirement plans: Employee contribution requirement and method

of contribution, private industry workers, National Compensation Survey, March

2009—Continued

(All workers participating in defined benefit plans = 100 percent)

Characteristics

Employee

contribution

required

Fixed percent of earnings1

Employee

contibution

Total not required

Mean fixed

percent of

earnings

Median fixed

percent of

earnings

Credit intermediation and related activities 1 1 2.2 – 99

Insurance carriers and related activities .... – – – – 100

 Education and health services:

 Educational services:

 Junior colleges, colleges, and universities 2 2 4.3 5.0 98

 Leisure and hospitality:

 Accomodation and food services ................. – – – – 100

1 to 99 workers ...................................................... 4 2 3.3 – 96

1 to 49 workers .................................................. 5 3 3.2 – 95

50 to 99 workers ................................................ 2 – – – 98

100 workers or more .............................................. 4 2 5.3 – 96

100 to 499 workers ............................................ 6 – – – 94

500 workers or more .......................................... 2 1 2.9 3.0 98

Geographic areas

New England ......................................................... 3 1 5.4 7.3 97

Middle Atlantic ....................................................... 2 1 4.3 – 98

East North Central ................................................. 2 1 5.4 – 98

West North Central ................................................ 6 – – – 94

South Atlantic ........................................................ 5 2 3.8 3.9 95

Pacific .................................................................... 2 1 4.8 – 98

1 The employee contributes a fixed percentage of his or her

earnings to the retirement plan. 2 The percentile groupings are based on the average wage

for each occupation surveyed, which may include workers both

above and below the threshold. The percentile values are based

on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical

Note for more details.

3 Less than 0.5 percent.

NOTE: Because of rounding, sums of individual items may not

equal totals. Dash indicates no workers in this category or data

did not meet publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 3. Standard errors for defined benefit retirement plans: Employee contribution

requirement and method of contribution, private industry workers, National

Compensation Survey, March 2009

Characteristics

Employee

contribution

required

Fixed percent of earnings1

Employee

contibution

Total not required

Mean fixed

percent of

earnings

Median fixed

percent of

earnings

All workers ............................................................. 0.8 0.8 0.8 – 0.8

Worker characteristics

Management, professional, and related ................ 0.6 0.6 0.6 – 0.6

Management, business, and financial ............... 0.4 0.3 0.3 0.3 0.4

Professional and related .................................... 1.0 1.0 0.7 – 1.0

Sales and office:

 Sales and related ............................................... 0.5 – – – 0.5

Natural resources, construction, and maintenance 1.4 1.0 0.3 – 1.4

Construction, extraction, farming, fishing, and

forestry ............................................................. 1.5 – – – 1.5

Installation, maintenance, and repair ................. 2.2 – – – 2.2

Production, transportation, and material moving ... 1.1 0.5 0.5 – 1.1

Production ......................................................... 1.4 – – – 1.4

Transportation and material moving .................. 1.9 0.8 0.7 – 1.9

Full time ................................................................. 0.8 0.7 0.8 – 0.8

Part time ................................................................ 2.3 – – – 2.3

Union ..................................................................... 1.3 – – – 1.3

Nonunion ............................................................... 0.7 0.6 0.8 – 0.7

Wage percentiles:2

Second 25 percent ............................................ 0.8 0.7 – – 0.8

Third 25 percent ................................................ 0.6 0.4 0.5 0.3 0.6

Highest 25 percent ............................................ 0.8 0.5 0.5 – 0.8

Highest 10 percent ............................................ 1.0 0.9 0.8 – 1.0

Establishment characteristics

Goods-producing industries ................................... 0.7 0.3 0.0 0.0 0.7

Construction ...................................................... 1.8 – – – 1.8

Manufacturing .................................................... 0.6 0.4 0.0 0.0 0.6

Service-providing industries .................................. 1.1 1.0 0.9 – 1.1

Trade, transportation, and utilities ..................... 1.2 0.9 0.7 – 1.2

Retail trade .................................................... – – – – 0.2

Transportation and warehousing ................... 2.9 – – – 2.9

 Financial activities:

 Finance and insurance .................................. 0.2 3 ( ) 0.5 – 0.2

See footnotes at end of table.
Table 3. Standard errors for defined benefit retirement plans: Employee contribution

requirement and method of contribution, private industry workers, National

Compensation Survey, March 2009—Continued

Characteristics

Employee

contribution

required

Fixed percent of earnings1

Employee

contibution

Total not required

Mean fixed

percent of

earnings

Median fixed

percent of

earnings

Credit intermediation and related activities 0.3 0.2 0.3 – 0.3

Insurance carriers and related activities .... – – – – 0.1

 Education and health services:

 Educational services:

 Junior colleges, colleges, and universities 0.9 0.7 0.2 0.0 0.9

 Leisure and hospitality:

 Accomodation and food services ................. – – – – 0.0

1 to 99 workers ...................................................... 1.1 0.8 0.7 – 1.1

1 to 49 workers .................................................. 1.6 1.2 0.8 – 1.6

50 to 99 workers ................................................ 0.9 – – – 0.9

100 workers or more .............................................. 1.0 0.9 0.8 – 1.0

100 to 499 workers ............................................ 2.4 – – – 2.4

500 workers or more .......................................... 0.5 0.4 0.6 0.2 0.5

Geographic areas

New England ......................................................... 1.2 0.6 1.0 2.0 1.2

Middle Atlantic ....................................................... 1.0 0.4 0.6 – 1.0

East North Central ................................................. 0.6 0.3 0.9 – 0.6

West North Central ................................................ 2.5 – – – 2.5

South Atlantic ........................................................ 1.0 0.8 0.3 0.0 1.0

Pacific .................................................................... 0.8 0.6 0.8 – 0.8

1 The employee contributes a fixed percentage of his or her

earnings to the retirement plan. 2 The percentile groupings are based on the average wage

for each occupation surveyed, which may include workers both

above and below the threshold. The percentile values are based

on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical

Note for more details. 3 Less than 0.05.

NOTE: Dash indicates no workers in this category or data did not

meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 4. Defined benefit retirement plans: Open and frozen plans,

private industry workers, National Compensation Survey, March

2009

(All workers participating in defined benefit plans = 100 percent)

Characteristics Open plans1 Frozen plans2

All workers ............................................................. 81 19

Worker characteristics

Management, professional, and related ................ 78 22

Management, business, and financial ............... 76 24

Professional and related .................................... 79 21

Service ................................................................... 85 15

Sales and office ..................................................... 79 21

Sales and related ............................................... 68 32

Office and administrative support ...................... 83 17

Natural resources, construction, and maintenance 92 8

Construction, extraction, farming, fishing, and

forestry ............................................................. 97 3

Installation, maintenance, and repair ................. 87 13

Production, transportation, and material moving ... 79 21

Production ......................................................... 74 26

Transportation and material moving .................. 85 15

Full time ................................................................. 80 20

Part time ................................................................ 84 16

Union ..................................................................... 90 10

Nonunion ............................................................... 76 24

Wage percentiles:3

Lowest 10 percent ............................................. 58 42

Lowest 25 percent ............................................. 67 33

Second 25 percent ............................................ 81 19

Third 25 percent ................................................ 85 15

Highest 25 percent ............................................ 81 19

Highest 10 percent ............................................ 78 22

Establishment characteristics

Goods-producing industries ................................... 79 21

Construction ...................................................... 100 –

Manufacturing .................................................... 73 27

Service-providing industries .................................. 81 19

Trade, transportation, and utilities ..................... 77 23

Wholesale trade ............................................. 77 23

Retail trade .................................................... 66 34

Transportation and warehousing ................... 90 10

Utilities ........................................................... 86 14

See footnotes at end of table.
Table 4. Defined benefit retirement plans: Open and frozen plans,

private industry workers, National Compensation Survey, March

2009—Continued

(All workers participating in defined benefit plans = 100 percent)

Characteristics Open plans1 Frozen plans2

Information ......................................................... 73 27

Financial activities ............................................. 85 15

Finance and insurance .................................. 86 14

Credit intermediation and related activities 87 13

Insurance carriers and related activities .... 88 12

Professional and business services .................. 82 18

Education and health services ........................... 85 15

Health care and social assistance ................. 85 15

1 to 99 workers ...................................................... 86 14

1 to 49 workers .................................................. 89 11

50 to 99 workers ................................................ 80 20

100 workers or more .............................................. 79 21

100 to 499 workers ............................................ 77 23

500 workers or more .......................................... 81 19

Geographic areas

New England ......................................................... 83 17

Middle Atlantic ....................................................... 86 14

East North Central ................................................. 74 26

West North Central ................................................ 82 18

South Atlantic ........................................................ 79 21

West South Central ............................................... 78 22

Pacific .................................................................... 90 10

1 Plans open to new participants. 2 Plans closed to new workers or plans that

cease accruals for some or all plan participants. 3 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and below

the threshold. The percentile values are based on

the estimates published in the "National

Compensation Survey: Occupational Earnings in

the United States, 2008." See Technical Note for

more details.

NOTE: Because of rounding, sums of individual

items may not equal totals. Dash indicates no

workers in this category or data did not meet

publication criteria. For definitions of major plans,

key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 4. Standard errors for defined benefit retirement plans: Open

and frozen plans, private industry workers, National Compensation

Survey, March 2009

Characteristics Open plans1 Frozen plans2

All workers ............................................................. 1.2 1.2

Worker characteristics

Management, professional, and related ................ 1.7 1.7

Management, business, and financial ............... 1.9 1.9

Professional and related .................................... 2.1 2.1

Service ................................................................... 3.4 3.4

Sales and office ..................................................... 1.7 1.7

Sales and related ............................................... 3.0 3.0

Office and administrative support ...................... 2.0 2.0

Natural resources, construction, and maintenance 1.0 1.0

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.6 0.6

Installation, maintenance, and repair ................. 1.7 1.7

Production, transportation, and material moving ... 1.8 1.8

Production ......................................................... 2.6 2.6

Transportation and material moving .................. 2.0 2.0

Full time ................................................................. 1.1 1.1

Part time ................................................................ 2.6 2.6

Union ..................................................................... 1.4 1.4

Nonunion ............................................................... 1.2 1.2

Wage percentiles:3

Lowest 10 percent ............................................. 9.3 9.3

Lowest 25 percent ............................................. 5.8 5.8

Second 25 percent ............................................ 1.6 1.6

Third 25 percent ................................................ 1.2 1.2

Highest 25 percent ............................................ 1.3 1.3

Highest 10 percent ............................................ 1.8 1.8

Establishment characteristics

Goods-producing industries ................................... 1.7 1.7

Construction ...................................................... 0.0 –

Manufacturing .................................................... 2.3 2.3

Service-providing industries .................................. 1.5 1.5

Trade, transportation, and utilities ..................... 1.6 1.6

Wholesale trade ............................................. 3.9 3.9

Retail trade .................................................... 3.4 3.4

Transportation and warehousing ................... 1.9 1.9

Utilities ........................................................... 4.2 4.2

See footnotes at end of table.
Table 4. Standard errors for defined benefit retirement plans: Open

and frozen plans, private industry workers, National Compensation

Survey, March 2009—Continued

Characteristics Open plans1 Frozen plans2

Information ......................................................... 2.9 2.9

Financial activities ............................................. 2.0 2.0

Finance and insurance .................................. 2.1 2.1

Credit intermediation and related activities 2.9 2.9

Insurance carriers and related activities .... 2.4 2.4

Professional and business services .................. 4.2 4.2

Education and health services ........................... 3.9 3.9

Health care and social assistance ................. 4.1 4.1

1 to 99 workers ...................................................... 1.7 1.7

1 to 49 workers .................................................. 1.9 1.9

50 to 99 workers ................................................ 3.2 3.2

100 workers or more .............................................. 1.4 1.4

100 to 499 workers ............................................ 2.5 2.5

500 workers or more .......................................... 1.3 1.3

Geographic areas

New England ......................................................... 3.3 3.3

Middle Atlantic ....................................................... 1.3 1.3

East North Central ................................................. 2.3 2.3

West North Central ................................................ 2.9 2.9

South Atlantic ........................................................ 2.5 2.5

West South Central ............................................... 2.3 2.3

Pacific .................................................................... 1.7 1.7

1 Plans open to new participants. 2 Plans closed to new workers or plans that

cease accruals for some or all plan participants. 3 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and below

the threshold. The percentile values are based on

the estimates published in the "National

Compensation Survey: Occupational Earnings in

the United States, 2008." See Technical Note for

more details.

NOTE: Dash indicates no workers in this category

or data did not meet publication criteria. For

definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee

Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 5. Defined benefit frozen retirement plans:1 Benefits accrual,

private industry workers, National Compensation Survey, March 2009

(All workers participating in frozen defined benefit plans = 100 percent)

Characteristics

Retirement benefit accrual2

All existing

participants

continue to

accrue

benefits

Some

existing

participants

continue to

accrue

benefits

No existing

participants

continue to

accrue

benefits

All workers ............................................................. 75 6 19

Worker characteristics

Management, professional, and related ................ 70 12 18

Management, business, and financial ............... 69 9 23

Professional and related .................................... 70 – –

Service ................................................................... 74 – –

Protective service .............................................. 79 – –

Sales and office ..................................................... 83 4 13

Sales and related ............................................... 90 2 8

Office and administrative support ...................... 78 5 17

Natural resources, construction, and maintenance 85 3 12

Construction, extraction, farming, fishing, and

forestry ............................................................. 90 – –

Installation, maintenance, and repair ................. 84 4 12

Production, transportation, and material moving ... 70 – –

Production ......................................................... 68 – –

Transportation and material moving .................. 74 – –

Full time ................................................................. 74 7 19

Part time ................................................................ 86 – –

Union ..................................................................... 84 – –

Nonunion ............................................................... 72 7 21

Wage percentiles:3

Lowest 10 percent ............................................. 75 – –

Lowest 25 percent ............................................. 84 – –

Second 25 percent ............................................ 71 4 25

Third 25 percent ................................................ 72 5 23

Highest 25 percent ............................................ 74 10 16

Highest 10 percent ............................................ 72 13 15

Establishment characteristics

Goods-producing industries ................................... 68 8 24

Manufacturing .................................................... 68 8 24

Service-providing industries .................................. 77 6 17

Trade, transportation, and utilities ..................... 90 – –

Wholesale trade ............................................. 84 – –

Retail trade .................................................... 93 – 7

Transportation and warehousing ................... 85 – –

Utilities ........................................................... 89 – –

See footnotes at end of table.
Table 5. Defined benefit frozen retirement plans:1 Benefits accrual,

private industry workers, National Compensation Survey, March

2009—Continued

(All workers participating in frozen defined benefit plans = 100 percent)

Characteristics

Retirement benefit accrual2

All existing

participants

continue to

accrue

benefits

Some

existing

participants

continue to

accrue

benefits

No existing

participants

continue to

accrue

benefits

Information ......................................................... 78 – 21

Financial activities ............................................. 61 7 32

Finance and insurance .................................. 58 7 34

Credit intermediation and related activities 64 – –

Insurance carriers and related activities .... 71 – –

Professional and business services .................. 54 – –

Professional and technical services .............. – 69 –

Education and health services ........................... 89 – –

Educational services ...................................... 91 – –

Junior colleges, colleges, and universities 91 – –

Health care and social assistance ................. 88 – –

1 to 99 workers ...................................................... 72 4 24

1 to 49 workers .................................................. 77 3 20

50 to 99 workers ................................................ 67 – –

100 workers or more .............................................. 75 7 18

100 to 499 workers ............................................ 82 – –

500 workers or more .......................................... 70 10 20

Geographic areas

New England ......................................................... 69 – –

Middle Atlantic ....................................................... 69 – 30

East North Central ................................................. 70 – –

West North Central ................................................ 66 – –

South Atlantic ........................................................ 82 – –

East South Central ................................................ 73 – –

West South Central ............................................... 84 4 13

Mountain ................................................................ 85 – –

Pacific .................................................................... 78 – –

1 Plans closed to new workers or plans that

cease accruals for some or all plan participants. 2 Benefit accruals are for existing participants

since the plan was closed to new workers or

stopped accruing benefits. 3 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual

items may not equal totals. Dash indicates no

workers in this category or data did not meet

publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 5. Standard errors for defined benefit frozen retirement plans:1

Benefits accrual, private industry workers, National Compensation

Survey, March 2009

Characteristics

Retirement benefit accrual2

All existing

participants

continue to

accrue

benefits

Some

existing

participants

continue to

accrue

benefits

No existing

participants

continue to

accrue

benefits

All workers ............................................................. 2.1 1.5 1.9

Worker characteristics

Management, professional, and related ................ 3.7 3.5 2.4

Management, business, and financial ............... 4.0 2.4 3.6

Professional and related .................................... 4.7 – –

Service ................................................................... 10.2 – –

Protective service .............................................. 15.9 – –

Sales and office ..................................................... 2.3 1.0 2.1

Sales and related ............................................... 2.5 0.6 2.4

Office and administrative support ...................... 3.7 1.6 3.3

Natural resources, construction, and maintenance 3.1 1.3 3.2

Construction, extraction, farming, fishing, and

forestry ............................................................. 5.8 – –

Installation, maintenance, and repair ................. 3.7 1.6 3.6

Production, transportation, and material moving ... 4.2 – –

Production ......................................................... 5.2 – –

Transportation and material moving .................. 5.9 – –

Full time ................................................................. 2.2 1.6 1.9

Part time ................................................................ 4.4 – –

Union ..................................................................... 4.2 – –

Nonunion ............................................................... 2.3 1.8 2.0

Wage percentiles:3

Lowest 10 percent ............................................. 16.8 – –

Lowest 25 percent ............................................. 6.0 – –

Second 25 percent ............................................ 3.7 1.4 4.0

Third 25 percent ................................................ 3.3 1.3 3.2

Highest 25 percent ............................................ 3.3 2.9 2.0

Highest 10 percent ............................................ 4.4 3.6 2.4

Establishment characteristics

Goods-producing industries ................................... 3.8 2.2 3.4

Manufacturing .................................................... 3.8 2.2 3.4

Service-providing industries .................................. 2.4 2.0 2.2

Trade, transportation, and utilities ..................... 3.1 – –

Wholesale trade ............................................. 6.8 – –

Retail trade .................................................... 3.0 – 3.0

Transportation and warehousing ................... 10.9 – –

Utilities ........................................................... 4.5 – –

See footnotes at end of table.
Table 5. Standard errors for defined benefit frozen retirement plans:1

Benefits accrual, private industry workers, National Compensation

Survey, March 2009—Continued

Characteristics

Retirement benefit accrual2

All existing

participants

continue to

accrue

benefits

Some

existing

participants

continue to

accrue

benefits

No existing

participants

continue to

accrue

benefits

Information ......................................................... 5.8 – 5.8

Financial activities ............................................. 5.1 1.7 4.5

Finance and insurance .................................. 5.1 1.8 4.5

Credit intermediation and related activities 5.7 – –

Insurance carriers and related activities .... 9.0 – –

Professional and business services .................. 9.5 – –

Professional and technical services .............. – 13.9 –

Education and health services ........................... 4.1 – –

Educational services ...................................... 4.9 – –

Junior colleges, colleges, and universities 4.9 – –

Health care and social assistance ................. 4.6 – –

1 to 99 workers ...................................................... 4.8 1.1 4.8

1 to 49 workers .................................................. 4.6 1.1 4.4

50 to 99 workers ................................................ 8.4 – –

100 workers or more .............................................. 2.5 1.8 1.9

100 to 499 workers ............................................ 3.1 – –

500 workers or more .......................................... 3.4 2.8 2.4

Geographic areas

New England ......................................................... 11.3 – –

Middle Atlantic ....................................................... 4.8 – 4.7

East North Central ................................................. 5.4 – –

West North Central ................................................ 7.5 – –

South Atlantic ........................................................ 5.3 – –

East South Central ................................................ 8.2 – –

West South Central ............................................... 3.8 1.7 3.5

Mountain ................................................................ 5.9 – –

Pacific .................................................................... 7.1 – –

1 Plans closed to new workers or plans that cease accruals for some or all plan participants. 2 Benefit accruals are for existing participants since the plan was closed to new workers or stopped

accruing benefits. 3 The percentile groupings are based on the average wage for each occupation surveyed, which may

include workers both above and below the threshold. The percentile values are based on the estimates

published in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 6. Defined benefit frozen retirement plans:1 Selected attributes,

private industry workers, National Compensation Survey, March 2009

(All workers participating in frozen defined benefit plans = 100 percent)

Characteristics

Time since plan closed to new workers or

stopped accruing benefits

1 year 2 to 5 years Greater than

5 years

All workers ............................................................. 6 61 33

Worker characteristics

Management, professional, and related ................ 10 50 40

Management, business, and financial ............... 10 53 37

Professional and related .................................... 11 47 42

Sales and office:

 Office and administrative support ...................... 7 54 40

Natural resources, construction, and

maintenance:

 Installation, maintenance, and repair ................. 1 80 19

Full time ................................................................. 6 62 32

Part time ................................................................ – 58 42

Nonunion ............................................................... 7 59 34

Wage percentiles:2

Lowest 25 percent ............................................. – 57 –

Second 25 percent ............................................ 5 67 28

Highest 25 percent ............................................ 9 58 33

Highest 10 percent ............................................ 13 47 40

Establishment characteristics

Service-providing industries .................................. 7 57 36

Wholesale trade ............................................. 26 49 25

Utilities ........................................................... 26 17 56

Information ......................................................... – 70 –

Financial activities ............................................. – 55 –

Finance and insurance .................................. 5 60 35

Credit intermediation and related activities – 53 –

Insurance carriers and related activities .... – 63 36

Education and health services ........................... 3 47 49

Health care and social assistance ................. – – 54

Other services ................................................... – 94 –

1 to 99 workers ...................................................... 2 63 35

1 to 49 workers .................................................. – 56 –

50 to 99 workers ................................................ – 69 31

100 workers or more:

 100 to 499 workers ............................................ 7 60 33

See footnotes at end of table.
Table 6. Defined benefit frozen retirement plans:1 Selected attributes,

private industry workers, National Compensation Survey, March

2009—Continued

(All workers participating in frozen defined benefit plans = 100 percent)

Characteristics

Time since plan closed to new workers or

stopped accruing benefits

1 year 2 to 5 years Greater than

5 years

Geographic areas

New England ......................................................... – 56 –

South Atlantic ........................................................ – 69 –

East South Central ................................................ – 54 –

Mountain ................................................................ – – 72

Pacific .................................................................... – 57 –

1 Plans closed to new workers or plans that

cease accruals for some or all plan participants. 2 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual

items may not equal totals. Dash indicates no

workers in this category or data did not meet

publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 6. Standard errors for defined benefit frozen retirement plans:1

Selected attributes, private industry workers, National Compensation

Survey, March 2009

Characteristics

Time since plan closed to new workers or

stopped accruing benefits

1 year 2 to 5 years Greater than

5 years

All workers ............................................................. 1.1 3.0 3.1

Worker characteristics

Management, professional, and related ................ 2.1 3.6 3.4

Management, business, and financial ............... 2.5 4.2 3.5

Professional and related .................................... 2.3 4.5 4.6

Sales and office:

 Office and administrative support ...................... 2.2 7.2 7.9

Natural resources, construction, and

maintenance:

 Installation, maintenance, and repair ................. 0.3 3.7 3.7

Full time ................................................................. 1.2 2.8 2.8

Part time ................................................................ – 8.2 8.3

Nonunion ............................................................... 1.3 2.7 2.6

Wage percentiles:2

Lowest 25 percent ............................................. – 13.4 –

Second 25 percent ............................................ 2.2 3.6 3.5

Highest 25 percent ............................................ 1.7 3.2 2.9

Highest 10 percent ............................................ 2.6 4.5 4.3

Establishment characteristics

Service-providing industries .................................. 1.3 3.7 3.8

Wholesale trade ............................................. 6.4 9.2 4.6

Utilities ........................................................... 7.1 2.8 5.6

Information ......................................................... – 6.0 –

Financial activities ............................................. – 5.5 –

Finance and insurance .................................. 1.8 5.3 5.6

Credit intermediation and related activities – 7.9 –

Insurance carriers and related activities .... – 8.1 8.0

Education and health services ........................... 1.2 13.7 14.3

Health care and social assistance ................. – – 14.7

Other services ................................................... – 7.0 –

1 to 99 workers ...................................................... 0.9 5.5 5.5

1 to 49 workers .................................................. – 7.6 –

50 to 99 workers ................................................ – 8.0 8.0

100 workers or more:

 100 to 499 workers ............................................ 2.3 6.7 7.2

See footnotes at end of table.
Table 6. Standard errors for defined benefit frozen retirement plans:1

Selected attributes, private industry workers, National Compensation

Survey, March 2009—Continued

Characteristics

Time since plan closed to new workers or

stopped accruing benefits

1 year 2 to 5 years Greater than

5 years

Geographic areas

New England ......................................................... – 15.5 –

South Atlantic ........................................................ – 5.7 –

East South Central ................................................ – 8.6 –

Mountain ................................................................ – – 18.0

Pacific .................................................................... – 6.8 –

1 Plans closed to new workers or plans that cease accruals for some or all plan participants. 2 The percentile groupings are based on the average wage for each occupation surveyed, which may

include workers both above and below the threshold. The percentile values are based on the estimates

published in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 7. Defined benefit frozen retirement plans:1 Plan alternatives, private industry workers, 

National Compensation Survey, March 2009

(All workers participating in frozen defined benefit plans = 100 percent)

Characteristics

No

alternative to

frozen plans

Alternatives

to frozen

plans

available

Alternatives for employees in frozen plans2

New defined

benefit plan

Enhanced

existing

defined

contribution

plan

New defined

contribution

plan

Other

All workers ............................................................. 6 94 11 28 56 1

Worker characteristics

Management, professional, and related ................ 5 95 11 25 59 3

Management, business, and financial ............... 7 93 11 33 49 4

Professional and related .................................... 3 97 12 20 66 –

Service:

 Protective service ............................................... – 100 – – 65 –

Sales and office ..................................................... 7 93 4 36 54 1

Office and administrative support ...................... 9 91 5 29 57 –

Natural resources, construction, and maintenance 5 95 24 13 62 –

Construction, extraction, farming, fishing, and

forestry ............................................................. 12 88 42 – 40 –

Production, transportation, and material moving ... 8 92 21 23 51 –

Transportation and material moving .................. 4 96 – 27 57 –

Full time ................................................................. 6 94 12 28 55 1

Part time ................................................................ 2 98 4 – 70 –

Union ..................................................................... 3 97 30 8 62 –

Nonunion ............................................................... 7 93 7 32 54 2

Wage percentiles:3

Second 25 percent ............................................ 10 90 5 29 57 –

Third 25 percent ................................................ 9 91 9 29 54 –

Highest 25 percent ............................................ 4 96 18 23 56 2

Highest 10 percent ............................................ 4 96 13 27 57 –

Establishment characteristics

Goods-producing industries ................................... 7 93 21 24 51 –

Manufacturing .................................................... 7 93 21 24 51 –

Service-providing industries .................................. 6 94 7 29 58 –

Trade, transportation, and utilities ..................... 2 98 11 42 46 –

Retail trade .................................................... – 100 1 51 47 –

Transportation and warehousing ................... – 100 – – 84 –

Utilities ........................................................... 26 74 43 – – –

See footnotes at end of table.
Table 7. Defined benefit frozen retirement plans:1 Plan alternatives, private industry workers, 

National Compensation Survey, March 2009—Continued

(All workers participating in frozen defined benefit plans = 100 percent)

Characteristics

No

alternative to

frozen plans

Alternatives

to frozen

plans

available

Alternatives for employees in frozen plans2

New defined

benefit plan

Enhanced

existing

defined

contribution

plan

New defined

contribution

plan

Other

Financial activities ............................................. 23 77 10 41 27 –

Finance and insurance .................................. 17 83 10 44 29 –

Education and health services ........................... 5 95 – 7 86 –

1 to 99 workers ...................................................... 2 98 5 38 54 2

1 to 49 workers .................................................. 4 96 – 35 55 –

50 to 99 workers ................................................ – 100 – 41 52 –

100 workers or more .............................................. 7 93 13 26 56 –

100 to 499 workers ............................................ 8 92 8 26 57 –

500 workers or more .......................................... 6 94 16 25 56 –

Geographic areas

Middle Atlantic ....................................................... 11 89 10 37 40 –

East North Central ................................................. 4 96 17 25 57 –

South Atlantic ........................................................ 11 89 – 21 60 –

Mountain ................................................................ – 100 – – 74 –

1 Plans closed to new workers or plans that cease accruals for some

or all plan participants. 2 The sum of the individual components may be greater than the total

because some employers offer more than one alternative. 3 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below

the threshold. The percentile values are based on the estimates published

in the "National Compensation Survey: Occupational Earnings in the

United States, 2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals.

Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms,

see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 7. Standard errors for frozen defined benefit retirement plans:1 Plan alternatives, private

industry workers, National Compensation Survey, March 2009

Characteristics

No

alternative to

frozen plans

Alternatives

to frozen

plans

available

Alternatives for employees in frozen plans2

New defined

benefit plan

Enhanced

existing

defined

contribution

plan

New defined

contribution

plan

Other

All workers ............................................................. 1.0 1.0 1.3 2.5 3.3 0.5

Worker characteristics

Management, professional, and related ................ 1.2 1.2 1.7 2.6 3.5 1.2

Management, business, and financial ............... 2.0 2.0 2.1 3.8 4.0 1.8

Professional and related .................................... 0.9 0.9 1.9 3.0 4.2 –

Service:

 Protective service ............................................... – 0.0 – – 15.3 –

Sales and office ..................................................... 1.7 1.7 0.8 4.4 5.1 0.4

Office and administrative support ...................... 2.4 2.4 1.3 5.2 6.6 –

Natural resources, construction, and maintenance 1.5 1.5 4.3 3.4 4.9 –

Construction, extraction, farming, fishing, and

forestry ............................................................. 3.6 3.6 9.2 – 8.1 –

Production, transportation, and material moving ... 2.5 2.5 3.3 3.6 4.6 –

Transportation and material moving .................. 1.8 1.8 – 7.2 7.9 –

Full time ................................................................. 1.0 1.0 1.4 2.2 3.0 0.6

Part time ................................................................ 1.1 1.1 1.5 – 8.2 –

Union ..................................................................... 0.9 0.9 5.4 2.5 5.8 –

Nonunion ............................................................... 1.1 1.1 0.9 2.8 3.4 0.6

Wage percentiles:3

Second 25 percent ............................................ 2.7 2.7 1.9 3.7 4.1 –

Third 25 percent ................................................ 1.6 1.6 2.1 3.4 3.8 –

Highest 25 percent ............................................ 0.9 0.9 2.3 2.1 3.3 1.0

Highest 10 percent ............................................ 1.2 1.2 2.4 3.4 4.3 –

Establishment characteristics

Goods-producing industries ................................... 2.1 2.1 3.5 3.5 5.5 –

Manufacturing .................................................... 2.1 2.1 3.5 3.5 5.5 –

Service-providing industries .................................. 1.0 1.0 1.2 3.3 3.8 –

Trade, transportation, and utilities ..................... 1.2 1.2 2.5 4.2 4.2 –

Retail trade .................................................... – 0.5 0.6 6.1 6.0 –

Transportation and warehousing ................... – 0.0 – – 7.6 –

Utilities ........................................................... 7.1 7.1 5.2 – – –

See footnotes at end of table.
Table 7. Standard errors for frozen defined benefit retirement plans:1 Plan alternatives, private

industry workers, National Compensation Survey, March 2009—Continued

Characteristics

No

alternative to

frozen plans

Alternatives

to frozen

plans

available

Alternatives for employees in frozen plans2

New defined

benefit plan

Enhanced

existing

defined

contribution

plan

New defined

contribution

plan

Other

Financial activities ............................................. 5.9 5.9 2.2 8.4 5.7 –

Finance and insurance .................................. 4.1 4.1 2.3 8.5 6.1 –

Education and health services ........................... 1.9 1.9 – 2.4 4.4 –

1 to 99 workers ...................................................... 0.8 0.8 2.5 6.5 6.1 1.2

1 to 49 workers .................................................. 1.6 1.6 – 9.8 9.2 –

50 to 99 workers ................................................ – 0.0 – 8.7 8.9 –

100 workers or more .............................................. 1.1 1.1 1.5 2.4 3.4 –

100 to 499 workers ............................................ 2.1 2.1 2.0 4.6 6.2 –

500 workers or more .......................................... 1.4 1.4 2.2 2.4 3.5 –

Geographic areas

Middle Atlantic ....................................................... 3.2 3.2 1.9 4.2 8.5 –

East North Central ................................................. 1.0 1.0 3.9 4.0 5.2 –

South Atlantic ........................................................ 2.7 2.7 – 4.0 3.9 –

Mountain ................................................................ – 0.0 – – 21.4 –

1 Plans closed to new workers or plans that cease accruals for some or all plan participants. 2 The sum of the individual components may be greater than the total because some employers offer more than one alternative. 3 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related terms,

see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 8. Defined contribution retirement plans: Selected attributes, private

industry workers, National Compensation Survey, March 2009

(All workers participating in defined contribution plans = 100 percent)

Characteristics

Employee contribution Employee contribution

option

Required Not required Pretax Not pretax

All workers ............................................................. 66 34 80 20

Worker characteristics

Management, professional, and related ................ 68 32 83 17

Management, business, and financial ............... 72 28 86 14

Professional and related .................................... 66 34 82 18

Service ................................................................... 67 33 86 14

Protective service .............................................. 70 30 79 21

Sales and office ..................................................... 62 38 74 26

Sales and related ............................................... 56 44 62 38

Office and administrative support ...................... 66 34 80 20

Natural resources, construction, and maintenance 69 31 82 18

Construction, extraction, farming, fishing, and

forestry ............................................................. 57 43 74 26

Installation, maintenance, and repair ................. 78 22 88 12

Production, transportation, and material moving ... 66 34 80 20

Production ......................................................... 68 32 82 18

Transportation and material moving .................. 63 37 76 24

Full time ................................................................. 66 34 80 20

Part time ................................................................ 61 39 78 22

Union ..................................................................... 60 40 79 21

Nonunion ............................................................... 66 34 80 20

Wage percentiles:1

Lowest 10 percent ............................................. 73 27 88 12

Lowest 25 percent ............................................. 62 38 76 24

Second 25 percent ............................................ 61 39 75 25

Third 25 percent ................................................ 68 32 82 18

Highest 25 percent ............................................ 69 31 83 17

Highest 10 percent ............................................ 68 32 83 17

Establishment characteristics

Goods-producing industries ................................... 68 32 81 19

Construction ...................................................... 55 45 72 28

Manufacturing .................................................... 71 29 84 16

Service-providing industries .................................. 65 35 80 20

Trade, transportation, and utilities ..................... 58 42 68 32

Wholesale trade ............................................. 71 29 84 16

Retail trade .................................................... 50 50 57 43

Transportation and warehousing ................... 58 42 71 29

Utilities ........................................................... 90 10 97 3

See footnotes at end of table.
Table 8. Defined contribution retirement plans: Selected attributes, private

industry workers, National Compensation Survey, March 2009—Continued

(All workers participating in defined contribution plans = 100 percent)

Characteristics

Employee contribution Employee contribution

option

Required Not required Pretax Not pretax

Information ......................................................... 83 17 90 10

Financial activities ............................................. 74 26 85 15

Finance and insurance .................................. 74 26 85 15

Credit intermediation and related activities 75 25 86 14

Insurance carriers and related activities .... 77 23 87 13

Real estate and rental and leasing ................ 78 22 83 17

Professional and business services .................. 67 33 85 15

Professional and technical services .............. 63 37 83 17

Administrative and waste services ................ 71 29 84 16

Education and health services ........................... 60 40 82 18

Educational services ...................................... 57 43 81 19

Junior colleges, colleges, and universities 59 41 84 16

Health care and social assistance ................. 61 39 82 18

Leisure and hospitality ....................................... – – 92 8

Accommodation and food services ................ – – 96 4

Other services ................................................... 61 39 87 13

1 to 99 workers ...................................................... 65 35 81 19

1 to 49 workers .................................................. 65 35 81 19

50 to 99 workers ................................................ 65 35 81 19

100 workers or more .............................................. 66 34 79 21

100 to 499 workers ............................................ 62 38 75 25

500 workers or more .......................................... 71 29 83 17

Geographic areas

New England ......................................................... 70 30 81 19

Middle Atlantic ....................................................... 62 38 83 17

East North Central ................................................. 60 40 76 24

West North Central ................................................ 64 36 81 19

South Atlantic ........................................................ 64 36 78 22

East South Central ................................................ 75 25 83 17

West South Central ............................................... 66 34 77 23

Mountain ................................................................ 67 33 79 21

Pacific .................................................................... 75 25 84 16

1 The percentile groupings are based on the average

wage for each occupation surveyed, which may include

workers both above and below the threshold. The

percentile values are based on the estimates published in

the "National Compensation Survey: Occupational

Earnings in the United States, 2008." See Technical Note

for more details.

NOTE: Because of rounding, sums of individual items may

not equal totals. Dash indicates no workers in this

category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 8. Standard errors for defined contribution retirement plans:1 Selected

attributes, private industry workers, National Compensation Survey, March

2009

Characteristics

Employee contribution Employee contribution

option

Required Not required Pretax Not pretax

All workers ............................................................. 1.0 1.0 0.6 0.6

Worker characteristics

Management, professional, and related ................ 1.4 1.4 1.1 1.1

Management, business, and financial ............... 1.2 1.2 0.9 0.9

Professional and related .................................... 1.9 1.9 1.4 1.4

Service ................................................................... 3.8 3.8 1.5 1.5

Protective service .............................................. 5.9 5.9 5.9 5.9

Sales and office ..................................................... 1.0 1.0 1.0 1.0

Sales and related ............................................... 1.5 1.5 1.8 1.8

Office and administrative support ...................... 1.1 1.1 0.9 0.9

Natural resources, construction, and maintenance 1.9 1.9 1.5 1.5

Construction, extraction, farming, fishing, and

forestry ............................................................. 3.1 3.1 3.1 3.1

Installation, maintenance, and repair ................. 1.9 1.9 1.2 1.2

Production, transportation, and material moving ... 1.2 1.2 1.2 1.2

Production ......................................................... 1.6 1.6 1.5 1.5

Transportation and material moving .................. 2.0 2.0 1.9 1.9

Full time ................................................................. 1.0 1.0 0.6 0.6

Part time ................................................................ 2.3 2.3 1.8 1.8

Union ..................................................................... 2.7 2.7 2.4 2.4

Nonunion ............................................................... 1.0 1.0 0.7 0.7

Wage percentiles:2

Lowest 10 percent ............................................. 6.9 6.9 2.4 2.4

Lowest 25 percent ............................................. 2.9 2.9 1.8 1.8

Second 25 percent ............................................ 1.5 1.5 1.1 1.1

Third 25 percent ................................................ 0.9 0.9 0.9 0.9

Highest 25 percent ............................................ 1.2 1.2 0.9 0.9

Highest 10 percent ............................................ 1.7 1.7 1.3 1.3

Establishment characteristics

Goods-producing industries ................................... 1.2 1.2 1.0 1.0

Construction ...................................................... 2.6 2.6 2.5 2.5

Manufacturing .................................................... 1.1 1.1 1.1 1.1

Service-providing industries .................................. 1.2 1.2 0.8 0.8

Trade, transportation, and utilities ..................... 1.1 1.1 1.1 1.1

Wholesale trade ............................................. 2.0 2.0 1.5 1.5

Retail trade .................................................... 1.5 1.5 1.7 1.7

Transportation and warehousing ................... 3.5 3.5 3.2 3.2

Utilities ........................................................... 2.5 2.5 1.0 1.0

See footnotes at end of table.
Table 8. Standard errors for defined contribution retirement plans:1 Selected

attributes, private industry workers, National Compensation Survey, March

2009—Continued

Characteristics

Employee contribution Employee contribution

option

Required Not required Pretax Not pretax

Information ......................................................... 2.4 2.4 1.8 1.8

Financial activities ............................................. 1.4 1.4 1.1 1.1

Finance and insurance .................................. 1.5 1.5 1.1 1.1

Credit intermediation and related activities 1.6 1.6 1.2 1.2

Insurance carriers and related activities .... 2.2 2.2 1.5 1.5

Real estate and rental and leasing ................ 3.9 3.9 3.9 3.9

Professional and business services .................. 2.8 2.8 2.3 2.3

Professional and technical services .............. 3.4 3.4 3.0 3.0

Administrative and waste services ................ 5.3 5.3 4.6 4.6

Education and health services ........................... 2.4 2.4 1.7 1.7

Educational services ...................................... 2.6 2.6 2.6 2.6

Junior colleges, colleges, and universities 2.9 2.9 2.2 2.2

Health care and social assistance ................. 2.8 2.8 2.1 2.1

Leisure and hospitality ....................................... – – 1.6 1.6

Accommodation and food services ................ – – 1.8 1.8

Other services ................................................... 4.6 4.6 3.0 3.0

1 to 99 workers ...................................................... 1.3 1.3 1.3 1.3

1 to 49 workers .................................................. 1.7 1.7 1.6 1.6

50 to 99 workers ................................................ 2.4 2.4 1.9 1.9

100 workers or more .............................................. 1.2 1.2 0.7 0.7

100 to 499 workers ............................................ 1.6 1.6 1.1 1.1

500 workers or more .......................................... 1.8 1.8 1.0 1.0

Geographic areas

New England ......................................................... 5.4 5.4 4.1 4.1

Middle Atlantic ....................................................... 2.4 2.4 1.0 1.0

East North Central ................................................. 1.8 1.8 1.7 1.7

West North Central ................................................ 2.2 2.2 1.8 1.8

South Atlantic ........................................................ 2.7 2.7 1.5 1.5

East South Central ................................................ 5.1 5.1 1.8 1.8

West South Central ............................................... 2.0 2.0 1.9 1.9

Mountain ................................................................ 4.5 4.5 2.2 2.2

Pacific .................................................................... 1.7 1.7 1.5 1.5

1 Plans closed to new workers or plans that cease accruals for some or all plan participants. 2 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers

both above and below the threshold. The percentile values are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 9. Health care benefits: Access, participation, and take-up rates,1 private industry workers, National

Compensation Survey, March 2009

(All workers = 100 percent)

Characteristics

Medical care Dental care Vision care

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

All workers ............................................................. 71 52 74 46 36 78 27 21 76

Worker characteristics

Management, professional, and related ................ 86 67 78 61 50 82 36 28 78

Management, business, and financial ............... 94 76 81 68 57 84 36 30 81

Professional and related .................................... 82 63 77 57 46 81 35 27 76

Service ................................................................... 46 29 63 28 20 71 18 12 67

Protective service .............................................. 56 36 65 22 16 71 16 9 57

Sales and office ..................................................... 72 51 70 47 35 74 24 18 74

Sales and related ............................................... 63 41 65 41 27 66 20 14 70

Office and administrative support ...................... 78 57 73 51 40 78 26 20 76

Natural resources, construction, and maintenance 77 61 80 44 38 85 31 25 83

Construction, extraction, farming, fishing, and

forestry ............................................................. 70 57 81 38 33 87 26 22 86

Installation, maintenance, and repair ................. 84 66 79 51 43 84 36 29 80

Production, transportation, and material moving ... 77 58 76 49 39 79 30 24 78

Production ......................................................... 82 66 81 53 44 83 31 25 81

Transportation and material moving .................. 72 51 71 45 33 74 29 22 75

Full time ................................................................. 86 65 75 56 45 79 33 25 77

Part time ................................................................ 24 13 56 16 10 63 10 6 65

Union ..................................................................... 90 76 85 69 61 88 54 46 84

Nonunion ............................................................... 69 49 72 44 33 76 24 18 74

Wage percentiles:3

Lowest 10 percent ............................................. 25 13 50 13 8 62 – – –

Lowest 25 percent ............................................. 38 22 57 22 14 63 12 8 63

Second 25 percent ............................................ 77 54 71 49 36 74 26 19 73

Third 25 percent ................................................ 86 67 78 54 44 81 32 26 80

Highest 25 percent ............................................ 89 72 81 66 55 84 41 33 80

Highest 10 percent ............................................ 90 73 80 69 58 85 41 33 79

Establishment characteristics

Goods-producing industries ................................... 85 70 82 55 47 85 33 27 84

Construction ...................................................... 71 56 79 35 29 83 23 20 86

Manufacturing .................................................... 91 75 83 64 54 85 37 31 83

Service-providing industries .................................. 68 48 71 44 34 76 26 19 74

Trade, transportation, and utilities ..................... 73 50 69 46 32 71 25 18 73

Wholesale trade ............................................. 87 69 79 52 43 83 33 27 82

Retail trade .................................................... 64 39 62 40 25 62 19 13 68

Transportation and warehousing ................... 82 60 73 58 43 75 36 25 69

Utilities ........................................................... 95 83 87 66 60 90 40 35 87

See footnotes at end of table.
Table 9. Health care benefits: Access, participation, and take-up rates,1 private industry workers, National

Compensation Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics

Medical care Dental care Vision care

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

Information ......................................................... 87 70 80 70 60 86 58 47 81

Financial activities ............................................. 87 66 76 66 54 82 28 22 79

Finance and insurance .................................. 91 70 77 72 59 82 29 22 78

Credit intermediation and related activities 93 71 76 77 60 78 28 21 75

Insurance carriers and related activities .... 88 68 77 65 57 87 32 26 81

Real estate and rental and leasing ................ 73 55 76 43 35 81 27 23 83

Professional and business services .................. 68 50 74 42 34 81 27 20 74

Professional and technical services .............. 84 64 76 51 42 83 33 25 76

Administrative and waste services ................ 45 32 71 24 18 74 18 12 69

Education and health services ........................... 75 53 71 48 36 76 26 19 72

Educational services ...................................... 78 58 75 49 38 76 28 19 69

Junior colleges, colleges, and universities 90 71 79 66 52 78 36 25 69

Health care and social assistance ................. 74 53 71 47 36 76 26 19 73

Leisure and hospitality ....................................... 37 24 63 27 18 68 – – –

Accommodation and food services ................ 36 22 61 26 17 66 – – –

Other services ................................................... 52 37 72 27 22 82 19 14 73

1 to 99 workers ...................................................... 59 42 72 30 23 77 18 13 73

1 to 49 workers .................................................. 55 39 71 27 21 76 15 11 74

50 to 99 workers ................................................ 71 51 72 40 31 78 26 19 72

100 workers or more .............................................. 84 63 75 64 51 79 37 29 78

100 to 499 workers ............................................ 81 59 73 58 43 75 31 24 78

500 workers or more .......................................... 88 69 78 73 60 82 46 35 77

Geographic areas

New England ......................................................... 70 50 71 51 40 79 22 16 74

Middle Atlantic ....................................................... 72 55 76 49 38 79 32 26 79

East North Central ................................................. 72 53 73 45 35 78 23 17 74

West North Central ................................................ 68 52 75 44 36 81 20 16 81

South Atlantic ........................................................ 72 51 71 44 33 74 26 18 69

East South Central ................................................ 74 56 75 51 39 77 – – –

West South Central ............................................... 66 47 71 39 29 74 19 14 75

Mountain ................................................................ 69 48 70 42 33 79 25 20 78

Pacific .................................................................... 72 56 78 54 44 81 37 29 78

See footnotes at end of table.
Table 9. Health care benefits: Access, participation, and take-up

rates,1 private industry workers, National Compensation Survey,

March 2009—Continued

(All workers = 100 percent)

Characteristics

Outpatient prescription drug

coverage

Access Participation Take-up

rate

All workers ............................................................. 69 51 73

Worker characteristics

Management, professional, and related ................ 84 65 78

Management, business, and financial ............... 92 74 81

Professional and related .................................... 80 61 76

Service ................................................................... 44 28 63

Protective service .............................................. 53 34 64

Sales and office ..................................................... 70 49 70

Sales and related ............................................... 61 39 65

Office and administrative support ...................... 76 55 73

Natural resources, construction, and maintenance 73 58 80

Construction, extraction, farming, fishing, and

forestry ............................................................. 67 54 81

Installation, maintenance, and repair ................. 81 63 79

Production, transportation, and material moving ... 74 56 76

Production ......................................................... 79 63 80

Transportation and material moving .................. 70 49 70

Full time ................................................................. 83 62 75

Part time ................................................................ 23 13 57

Union ..................................................................... 88 74 84

Nonunion ............................................................... 67 48 72

Wage percentiles:3

Lowest 10 percent ............................................. 24 12 50

Lowest 25 percent ............................................. 37 21 57

Second 25 percent ............................................ 75 52 70

Third 25 percent ................................................ 83 65 78

Highest 25 percent ............................................ 87 70 81

Highest 10 percent ............................................ 89 71 80

Establishment characteristics

Goods-producing industries ................................... 82 67 81

Construction ...................................................... 67 52 78

Manufacturing .................................................... 88 73 82

Service-providing industries .................................. 66 47 71

Trade, transportation, and utilities ..................... 71 49 69

Wholesale trade ............................................. 85 67 78

Retail trade .................................................... 62 38 62

Transportation and warehousing ................... 82 59 72

Utilities ........................................................... 92 80 88

See footnotes at end of table.
Table 9. Health care benefits: Access, participation, and take-up

rates,1 private industry workers, National Compensation Survey,

March 2009—Continued

(All workers = 100 percent)

Characteristics

Outpatient prescription drug

coverage

Access Participation Take-up

rate

Information ......................................................... 84 67 80

Financial activities ............................................. 85 65 76

Finance and insurance .................................. 88 67 76

Credit intermediation and related activities 92 69 76

Insurance carriers and related activities .... 85 65 77

Real estate and rental and leasing ................ 72 55 76

Professional and business services .................. 65 48 73

Professional and technical services .............. 81 61 76

Administrative and waste services ................ 43 30 70

Education and health services ........................... 73 52 71

Educational services ...................................... 76 56 74

Junior colleges, colleges, and universities 89 70 78

Health care and social assistance ................. 73 52 71

Leisure and hospitality ....................................... 36 23 63

Accommodation and food services ................ 35 22 61

Other services ................................................... 48 35 72

1 to 99 workers ...................................................... 57 41 71

1 to 49 workers .................................................. 53 38 71

50 to 99 workers ................................................ 68 49 72

100 workers or more .............................................. 82 61 75

100 to 499 workers ............................................ 79 57 72

500 workers or more .......................................... 86 67 78

Geographic areas

New England ......................................................... 69 48 71

Middle Atlantic ....................................................... 69 53 76

East North Central ................................................. 71 52 73

West North Central ................................................ 67 51 75

South Atlantic ........................................................ 70 50 71

East South Central ................................................ 71 53 74

West South Central ............................................... 63 45 71

Mountain ................................................................ 68 47 70

Pacific .................................................................... 69 53 78

1 The take-up rate is an estimate of the

percentage of workers with access to a plan

who participate in the plan, rounded for

presentation. See Technical Note for more

details.

NOTE: Dash indicates no workers in this

category or data did not meet publication

criteria. For definitions of major plans, key

provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 9. Standard errors for health care benefits: Access, participation, and take-up rates,1 private industry workers, 

National Compensation Survey, March 2009

Characteristics

Medical care Dental care Vision care

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

All workers ............................................................. 0.7 0.6 0.5 0.8 0.6 0.4 0.9 0.8 0.7

Worker characteristics

Management, professional, and related ................ 1.0 0.7 0.6 1.2 1.0 0.6 1.2 1.0 1.1

Management, business, and financial ............... 0.8 1.0 0.7 1.4 1.5 0.9 1.4 1.4 1.4

Professional and related .................................... 1.2 0.9 0.8 1.5 1.2 0.8 1.4 1.1 1.2

Service ................................................................... 2.1 1.8 1.8 2.6 2.4 2.6 2.7 2.4 3.6

Protective service .............................................. 5.3 4.6 4.9 3.8 2.7 3.5 3.8 2.5 10.4

Sales and office ..................................................... 0.8 0.8 0.8 0.9 0.8 0.6 0.8 0.7 1.0

Sales and related ............................................... 1.1 0.9 1.2 1.2 1.0 1.2 1.1 0.9 1.7

Office and administrative support ...................... 1.1 1.0 0.8 1.2 1.0 0.7 0.9 0.8 1.2

Natural resources, construction, and maintenance 1.4 1.4 0.9 1.4 1.3 1.0 1.5 1.3 1.3

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.0 2.1 1.4 1.8 1.6 1.5 1.8 1.7 2.0

Installation, maintenance, and repair ................. 1.6 1.5 1.1 2.0 1.7 1.1 2.1 1.7 1.6

Production, transportation, and material moving ... 1.2 1.0 0.7 1.3 1.1 1.0 0.9 0.8 1.1

Production ......................................................... 1.5 1.3 0.8 1.8 1.6 1.0 1.3 1.1 1.6

Transportation and material moving .................. 1.8 1.4 1.1 1.7 1.2 1.5 1.3 1.0 1.5

Full time ................................................................. 0.5 0.6 0.5 0.8 0.7 0.4 1.1 0.9 0.7

Part time ................................................................ 0.9 0.6 1.6 0.7 0.5 1.5 0.5 0.4 1.8

Union ..................................................................... 1.4 1.6 0.9 1.9 1.8 0.8 2.0 1.9 1.1

Nonunion ............................................................... 0.8 0.6 0.5 0.9 0.7 0.5 0.9 0.8 0.8

Wage percentiles:3

Lowest 10 percent ............................................. 3.0 2.3 4.0 3.0 2.9 9.0 – – –

Lowest 25 percent ............................................. 1.4 1.2 1.5 1.7 1.5 2.7 1.7 1.5 3.6

Second 25 percent ............................................ 1.0 0.8 0.6 1.2 0.9 0.6 1.2 1.0 1.1

Third 25 percent ................................................ 0.7 0.8 0.6 1.1 0.9 0.6 1.1 0.9 0.8

Highest 25 percent ............................................ 0.8 0.8 0.6 1.0 0.9 0.6 1.1 1.1 1.1

Highest 10 percent ............................................ 1.1 1.3 0.9 1.6 1.5 0.9 1.4 1.2 1.5

Establishment characteristics

Goods-producing industries ................................... 0.8 0.8 0.5 1.3 1.1 0.6 1.0 0.9 0.9

Construction ...................................................... 2.0 1.9 1.3 1.7 1.5 1.6 1.5 1.4 2.0

Manufacturing .................................................... 0.8 0.8 0.5 1.7 1.5 0.7 1.4 1.2 1.1

Service-providing industries .................................. 0.8 0.7 0.6 1.0 0.8 0.5 1.1 0.9 0.9

Trade, transportation, and utilities ..................... 0.8 0.8 0.8 1.0 0.8 0.8 0.8 0.7 1.1

Wholesale trade ............................................. 1.4 1.6 1.3 2.3 2.2 1.4 2.2 1.8 1.4

Retail trade .................................................... 1.1 0.9 1.1 1.3 0.9 1.2 1.0 0.8 1.9

Transportation and warehousing ................... 2.5 2.1 1.6 2.8 2.3 1.6 2.7 2.4 2.8

Utilities ........................................................... 1.9 2.2 1.4 5.7 5.2 1.4 5.1 4.5 1.9

See footnotes at end of table.
Table 9. Standard errors for health care benefits: Access, participation, and take-up rates,1 private industry workers, 

National Compensation Survey, March 2009—Continued

Characteristics

Medical care Dental care Vision care

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

Information ......................................................... 2.5 2.6 1.7 3.3 3.2 1.5 3.5 3.3 2.1

Financial activities ............................................. 1.0 1.0 0.7 1.6 1.6 0.9 1.3 1.0 1.2

Finance and insurance .................................. 0.7 0.8 0.7 1.2 1.3 0.8 1.3 1.0 1.2

Credit intermediation and related activities 0.7 0.9 0.8 1.5 1.7 1.1 1.9 1.5 1.7

Insurance carriers and related activities .... 1.4 1.7 1.6 2.4 2.2 0.9 2.5 1.9 2.2

Real estate and rental and leasing ................ 3.3 3.0 2.2 4.0 3.5 3.1 3.9 3.4 2.8

Professional and business services .................. 1.8 1.7 1.2 2.1 1.7 1.6 1.9 1.4 2.6

Professional and technical services .............. 1.9 1.8 1.6 3.0 2.7 2.1 2.7 2.2 3.3

Administrative and waste services ................ 3.1 2.6 2.3 2.7 2.2 3.4 3.0 2.0 5.1

Education and health services ........................... 1.5 1.3 1.2 1.8 1.4 1.1 1.6 1.3 1.7

Educational services ...................................... 2.4 2.4 1.6 2.3 2.1 1.7 2.2 2.0 3.4

Junior colleges, colleges, and universities 1.1 1.9 1.7 2.2 2.3 1.5 3.3 3.1 4.0

Health care and social assistance ................. 1.7 1.5 1.3 2.1 1.6 1.2 1.8 1.5 2.0

Leisure and hospitality ....................................... 5.0 4.3 3.8 5.7 5.0 4.8 – – –

Accommodation and food services ................ 5.1 4.5 4.6 5.8 5.2 6.0 – – –

Other services ................................................... 3.3 2.6 2.6 3.0 2.6 2.7 2.9 2.2 3.8

1 to 99 workers ...................................................... 1.0 0.8 0.8 0.9 0.7 0.8 0.7 0.5 1.1

1 to 49 workers .................................................. 1.1 0.9 0.9 1.0 0.7 1.0 0.8 0.6 1.6

50 to 99 workers ................................................ 1.4 1.3 1.0 1.5 1.3 1.2 1.5 1.2 1.8

100 workers or more .............................................. 0.7 0.7 0.5 1.0 0.9 0.5 1.6 1.4 0.8

100 to 499 workers ............................................ 1.0 1.0 0.7 1.3 1.1 0.7 1.2 1.0 1.0

500 workers or more .......................................... 0.8 0.9 0.6 1.7 1.4 0.6 2.7 2.4 1.1

Geographic areas

New England ......................................................... 1.1 1.7 2.7 2.3 2.1 2.6 1.2 0.7 4.3

Middle Atlantic ....................................................... 2.0 1.4 1.7 1.3 0.9 0.9 1.8 1.8 2.0

East North Central ................................................. 1.2 0.8 0.6 1.5 1.0 0.8 0.9 0.7 1.5

West North Central ................................................ 1.4 1.8 1.3 2.1 2.1 1.2 2.1 1.6 1.8

South Atlantic ........................................................ 1.5 1.3 0.9 1.5 1.0 1.2 1.4 1.1 1.6

East South Central ................................................ 5.6 4.2 1.7 7.1 6.3 3.0 – – –

West South Central ............................................... 2.1 2.1 1.6 2.4 1.8 1.4 1.8 1.6 2.5

Mountain ................................................................ 3.0 3.2 1.7 4.8 4.0 2.0 2.7 2.4 2.0

Pacific .................................................................... 1.5 1.4 1.0 1.3 1.1 1.0 1.4 1.1 1.5

See footnotes at end of table.
Table 9. Standard errors for health care benefits: Access,

participation, and take-up rates,1 private industry workers, 

National Compensation Survey, March 2009—Continued

Characteristics

Outpatient prescription drug

coverage

Access Participation Take-up

rate

All workers ............................................................. 0.7 0.6 0.5

Worker characteristics

Management, professional, and related ................ 1.0 0.8 0.6

Management, business, and financial ............... 0.9 1.0 0.7

Professional and related .................................... 1.2 1.0 0.8

Service ................................................................... 2.1 1.8 1.8

Protective service .............................................. 5.3 4.7 5.2

Sales and office ..................................................... 0.8 0.8 0.8

Sales and related ............................................... 1.1 1.0 1.2

Office and administrative support ...................... 1.1 1.0 0.8

Natural resources, construction, and maintenance 1.3 1.3 0.9

Construction, extraction, farming, fishing, and

forestry ............................................................. 1.9 1.8 1.4

Installation, maintenance, and repair ................. 1.7 1.6 1.1

Production, transportation, and material moving ... 1.2 1.0 0.7

Production ......................................................... 1.6 1.5 0.9

Transportation and material moving .................. 1.9 1.4 1.1

Full time ................................................................. 0.5 0.5 0.4

Part time ................................................................ 0.9 0.6 1.7

Union ..................................................................... 1.6 1.7 1.0

Nonunion ............................................................... 0.8 0.6 0.4

Wage percentiles:3

Lowest 10 percent ............................................. 2.9 2.1 3.6

Lowest 25 percent ............................................. 1.4 1.2 1.5

Second 25 percent ............................................ 1.1 0.8 0.7

Third 25 percent ................................................ 0.8 0.8 0.6

Highest 25 percent ............................................ 0.8 0.8 0.6

Highest 10 percent ............................................ 1.1 1.2 0.8

Establishment characteristics

Goods-producing industries ................................... 0.9 0.9 0.5

Construction ...................................................... 1.9 1.7 1.4

Manufacturing .................................................... 1.0 1.0 0.5

Service-providing industries .................................. 0.8 0.7 0.5

Trade, transportation, and utilities ..................... 0.8 0.8 0.7

Wholesale trade ............................................. 1.4 1.5 1.3

Retail trade .................................................... 1.1 1.0 1.1

Transportation and warehousing ................... 2.6 2.2 1.6

Utilities ........................................................... 2.3 2.4 1.3

See footnotes at end of table.
Table 9. Standard errors for health care benefits: Access,

participation, and take-up rates,1 private industry workers, 

National Compensation Survey, March 2009—Continued

Characteristics

Outpatient prescription drug

coverage

Access Participation Take-up

rate

Information ......................................................... 2.7 2.7 1.7

Financial activities ............................................. 1.1 1.1 0.7

Finance and insurance .................................. 0.9 1.0 0.7

Credit intermediation and related activities 0.7 0.9 0.8

Insurance carriers and related activities .... 1.8 2.0 1.6

Real estate and rental and leasing ................ 3.2 3.0 2.3

Professional and business services .................. 1.9 1.6 1.2

Professional and technical services .............. 2.0 1.9 1.5

Administrative and waste services ................ 3.2 2.6 2.5

Education and health services ........................... 1.6 1.3 1.2

Educational services ...................................... 2.7 2.5 1.5

Junior colleges, colleges, and universities 1.2 1.7 1.5

Health care and social assistance ................. 1.8 1.5 1.4

Leisure and hospitality ....................................... 5.0 4.2 3.5

Accommodation and food services ................ 5.2 4.4 4.2

Other services ................................................... 3.3 2.5 2.7

1 to 99 workers ...................................................... 1.0 0.7 0.7

1 to 49 workers .................................................. 1.1 0.8 0.9

50 to 99 workers ................................................ 1.5 1.3 1.0

100 workers or more .............................................. 0.7 0.7 0.5

100 to 499 workers ............................................ 1.0 0.9 0.7

500 workers or more .......................................... 0.9 0.9 0.7

Geographic areas

New England ......................................................... 1.3 1.8 2.8

Middle Atlantic ....................................................... 1.8 1.3 1.7

East North Central ................................................. 1.1 0.7 0.6

West North Central ................................................ 1.1 1.7 1.6

South Atlantic ........................................................ 1.5 1.2 0.8

East South Central ................................................ 6.0 4.1 1.9

West South Central ............................................... 2.4 2.1 1.5

Mountain ................................................................ 3.0 3.0 1.6

Pacific .................................................................... 1.3 1.2 0.9

1 The take-up rate is an estimate of the

percentage of workers with access to a plan

who participate in the plan, rounded for

presentation. See Technical Note for more

details.

NOTE: Dash indicates no workers in this

category or data did not meet publication

criteria. For definitions of major plans, key

provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 10. Medical care benefits: Share of premiums paid by employer and

employee, private industry workers, National Compensation Survey, March

2009

(In percent)

Characteristics

Single coverage Family coverage

Employer

share

Employee

share

Employer

share

Employee

share

All workers ............................................................. 80 20 70 30

Worker characteristics

Management, professional, and related ................ 81 19 71 29

Management, business, and financial ............... 81 19 71 29

Professional and related .................................... 81 19 71 29

Service ................................................................... 78 22 66 34

Protective service .............................................. 71 29 66 34

Sales and office ..................................................... 79 21 67 33

Sales and related ............................................... 76 24 64 36

Office and administrative support ...................... 81 19 69 31

Natural resources, construction, and maintenance 82 18 71 29

Construction, extraction, farming, fishing, and

forestry ............................................................. 85 15 72 28

Installation, maintenance, and repair ................. 80 20 71 29

Production, transportation, and material moving ... 82 18 74 26

Production ......................................................... 82 18 75 25

Transportation and material moving .................. 82 18 73 27

Full time ................................................................. 81 19 70 30

Part time ................................................................ 78 22 67 33

Union ..................................................................... 90 10 86 14

Nonunion ............................................................... 79 21 67 33

Wage percentiles:1

Lowest 10 percent ............................................. 75 25 63 37

Lowest 25 percent ............................................. 76 24 63 37

Second 25 percent ............................................ 79 21 67 33

Third 25 percent ................................................ 81 19 70 30

Highest 25 percent ............................................ 83 17 74 26

Highest 10 percent ............................................ 82 18 74 26

Establishment characteristics

Goods-producing industries ................................... 82 18 75 25

Construction ...................................................... 84 16 69 31

Manufacturing .................................................... 82 18 76 24

Service-providing industries .................................. 80 20 68 32

Trade, transportation, and utilities ..................... 78 22 68 32

Wholesale trade ............................................. 81 19 70 30

Retail trade .................................................... 75 25 64 36

Transportation and warehousing ................... 81 19 73 27

Utilities ........................................................... 84 16 79 21

See footnotes at end of table.
Table 10. Medical care benefits: Share of premiums paid by employer and

employee, private industry workers, National Compensation Survey, March

2009—Continued

(In percent)

Characteristics

Single coverage Family coverage

Employer

share

Employee

share

Employer

share

Employee

share

Information ......................................................... 83 17 77 23

Financial activities ............................................. 82 18 70 30

Finance and insurance .................................. 81 19 71 29

Credit intermediation and related activities 80 20 68 32

Insurance carriers and related activities .... 82 18 72 28

Real estate and rental and leasing ................ 84 16 67 33

Professional and business services .................. 79 21 68 32

Professional and technical services .............. 80 20 66 34

Administrative and waste services ................ 75 25 66 34

Education and health services ........................... 82 18 68 32

Educational services ...................................... 82 18 68 32

Junior colleges, colleges, and universities 80 20 69 31

Health care and social assistance ................. 82 18 68 32

Leisure and hospitality ....................................... 76 24 65 35

Accommodation and food services ................ 75 25 64 36

Other services ................................................... 83 17 67 33

1 to 99 workers ...................................................... 80 20 66 34

1 to 49 workers .................................................. 81 19 66 34

50 to 99 workers ................................................ 79 21 66 34

100 workers or more .............................................. 81 19 73 27

100 to 499 workers ............................................ 80 20 70 30

500 workers or more .......................................... 81 19 76 24

Geographic areas

New England ......................................................... 78 22 71 29

Middle Atlantic ....................................................... 82 18 74 26

East North Central ................................................. 79 21 73 27

West North Central ................................................ 80 20 71 29

South Atlantic ........................................................ 79 21 66 34

East South Central ................................................ 78 22 66 34

West South Central ............................................... 82 18 66 34

Mountain ................................................................ 79 21 67 33

Pacific .................................................................... 84 16 71 29

1 The percentile groupings are based on the

average wage for each occupation surveyed, which may

include workers both above and below the threshold.

The percentile values are based on the estimates

published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: Because of rounding, sums of individual items

may not equal totals. For definitions of major plans, key

provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 10. Standard errors for medical care benefits: Share of premiums paid

by employer and employee, private industry workers, National

Compensation Survey, March 2009

Characteristics

Single coverage Family coverage

Employer

share

Employee

share

Employer

share

Employee

share

All workers ............................................................. 0.2 0.2 0.3 0.3

Worker characteristics

Management, professional, and related ................ 0.4 0.4 0.6 0.6

Management, business, and financial ............... 0.6 0.6 0.7 0.7

Professional and related .................................... 0.6 0.6 0.7 0.7

Service ................................................................... 0.8 0.8 1.1 1.1

Protective service .............................................. 1.8 1.8 2.8 2.8

Sales and office ..................................................... 0.3 0.3 0.3 0.3

Sales and related ............................................... 0.5 0.5 0.5 0.5

Office and administrative support ...................... 0.4 0.4 0.5 0.5

Natural resources, construction, and maintenance 0.6 0.6 1.0 1.0

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.9 0.9 1.6 1.6

Installation, maintenance, and repair ................. 0.7 0.7 0.9 0.9

Production, transportation, and material moving ... 0.5 0.5 0.7 0.7

Production ......................................................... 0.6 0.6 0.8 0.8

Transportation and material moving .................. 0.7 0.7 1.0 1.0

Full time ................................................................. 0.3 0.3 0.3 0.3

Part time ................................................................ 0.9 0.9 1.1 1.1

Union ..................................................................... 0.4 0.4 0.7 0.7

Nonunion ............................................................... 0.3 0.3 0.3 0.3

Wage percentiles:1

Lowest 10 percent ............................................. 1.4 1.4 1.7 1.7

Lowest 25 percent ............................................. 0.7 0.7 0.8 0.8

Second 25 percent ............................................ 0.3 0.3 0.6 0.6

Third 25 percent ................................................ 0.3 0.3 0.5 0.5

Highest 25 percent ............................................ 0.4 0.4 0.5 0.5

Highest 10 percent ............................................ 0.6 0.6 0.7 0.7

Establishment characteristics

Goods-producing industries ................................... 0.5 0.5 0.7 0.7

Construction ...................................................... 0.8 0.8 1.5 1.5

Manufacturing .................................................... 0.5 0.5 0.7 0.7

Service-providing industries .................................. 0.3 0.3 0.4 0.4

Trade, transportation, and utilities ..................... 0.4 0.4 0.5 0.5

Wholesale trade ............................................. 0.6 0.6 0.9 0.9

Retail trade .................................................... 0.7 0.7 0.7 0.7

Transportation and warehousing ................... 1.2 1.2 1.6 1.6

Utilities ........................................................... 1.1 1.1 1.2 1.2

See footnotes at end of table.
Table 10. Standard errors for medical care benefits: Share of premiums paid

by employer and employee, private industry workers, National

Compensation Survey, March 2009—Continued

Characteristics

Single coverage Family coverage

Employer

share

Employee

share

Employer

share

Employee

share

Information ......................................................... 0.8 0.8 1.0 1.0

Financial activities ............................................. 0.4 0.4 0.6 0.6

Finance and insurance .................................. 0.4 0.4 0.6 0.6

Credit intermediation and related activities 0.5 0.5 0.6 0.6

Insurance carriers and related activities .... 0.6 0.6 0.8 0.8

Real estate and rental and leasing ................ 1.5 1.5 2.1 2.1

Professional and business services .................. 0.8 0.8 1.1 1.1

Professional and technical services .............. 1.0 1.0 1.4 1.4

Administrative and waste services ................ 1.9 1.9 2.6 2.6

Education and health services ........................... 0.5 0.5 0.9 0.9

Educational services ...................................... 0.7 0.7 1.3 1.3

Junior colleges, colleges, and universities 0.6 0.6 0.9 0.9

Health care and social assistance ................. 0.6 0.6 1.0 1.0

Leisure and hospitality ....................................... 1.2 1.2 2.0 2.0

Accommodation and food services ................ 1.6 1.6 2.7 2.7

Other services ................................................... 1.6 1.6 2.3 2.3

1 to 99 workers ...................................................... 0.4 0.4 0.6 0.6

1 to 49 workers .................................................. 0.5 0.5 0.6 0.6

50 to 99 workers ................................................ 0.8 0.8 1.0 1.0

100 workers or more .............................................. 0.3 0.3 0.3 0.3

100 to 499 workers ............................................ 0.4 0.4 0.6 0.6

500 workers or more .......................................... 0.5 0.5 0.6 0.6

Geographic areas

New England ......................................................... 0.6 0.6 0.8 0.8

Middle Atlantic ....................................................... 0.7 0.7 1.0 1.0

East North Central ................................................. 0.6 0.6 0.7 0.7

West North Central ................................................ 1.1 1.1 1.2 1.2

South Atlantic ........................................................ 0.6 0.6 0.7 0.7

East South Central ................................................ 1.0 1.0 1.3 1.3

West South Central ............................................... 0.8 0.8 1.0 1.0

Mountain ................................................................ 1.0 1.0 1.2 1.2

Pacific .................................................................... 0.5 0.5 0.8 0.8

1 The percentile groupings are based on the average wage for each occupation surveyed, which may include

workers both above and below the threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical Note for more

details.

NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 11. Medical care benefits, single coverage: Employer and employee premiums by employee

contribution requirement, private industry workers, National Compensation Survey, March 2009

(All workers with single coverage medical care benefits = 100 percent)

Characteristics

Total Employee contribution not

required Employee contribution required

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

All workers ............................................................. 100 $317.63 22 $412.45 78 $291.20 $92.43

Worker characteristics

Management, professional, and related ................ 100 327.63 20 397.40 80 310.55 90.42

Management, business, and financial ............... 100 327.03 19 435.26 81 300.89 87.12

Professional and related .................................... 100 327.98 20 376.26 80 316.06 92.29

Service ................................................................... 100 307.90 18 445.02 82 276.78 96.88

Protective service .............................................. 100 215.48 7 373.94 93 203.15 92.66

Sales and office ..................................................... 100 299.98 18 374.99 82 283.24 95.55

Sales and related ............................................... 100 268.85 15 343.32 85 255.28 102.00

Office and administrative support ...................... 100 315.20 20 387.15 80 297.63 92.23

Natural resources, construction, and maintenance 100 348.35 36 463.85 64 282.40 98.20

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 391.08 46 506.69 54 291.79 103.95

Installation, maintenance, and repair ................. 100 308.35 27 395.53 73 275.91 94.22

Production, transportation, and material moving ... 100 315.37 24 412.97 76 284.68 85.24

Production ......................................................... 100 315.74 22 401.85 78 292.04 84.55

Transportation and material moving .................. 100 314.88 27 424.81 73 274.11 86.23

Full time ................................................................. 100 317.60 22 410.89 78 291.65 91.42

Part time ................................................................ 100 318.12 22 435.72 78 284.30 108.02

Union ..................................................................... 100 430.02 49 508.18 51 354.26 79.29

Nonunion ............................................................... 100 297.59 17 362.78 83 284.33 93.86

Wage percentiles:1

Lowest 10 percent ............................................. 100 259.48 15 329.92 85 246.89 94.25

Lowest 25 percent ............................................. 100 275.43 16 344.17 84 262.56 99.92

Second 25 percent ............................................ 100 297.32 18 373.46 82 281.15 94.51

Third 25 percent ................................................ 100 320.72 24 416.65 76 290.85 91.31

Highest 25 percent ............................................ 100 345.90 26 444.97 74 311.81 88.61

Highest 10 percent ............................................ 100 341.08 22 438.24 78 313.97 87.61

Establishment characteristics

Goods-producing industries ................................... 100 330.93 26 438.93 74 292.64 87.06

Construction ...................................................... 100 386.13 47 509.24 53 276.63 111.12

Manufacturing .................................................... 100 313.06 20 387.79 80 294.71 81.80

Service-providing industries .................................. 100 313.28 20 401.32 80 290.76 94.06

Trade, transportation, and utilities ..................... 100 288.70 19 374.73 81 268.12 94.65

Wholesale trade ............................................. 100 298.57 22 352.01 78 283.55 89.69

Retail trade .................................................... 100 268.22 17 370.77 83 246.97 103.40

Transportation and warehousing ................... 100 312.41 21 416.34 79 284.17 83.25

Utilities ........................................................... 100 333.48 16 372.93 84 325.94 81.23

See footnotes at end of table.
Table 11. Medical care benefits, single coverage: Employer and employee premiums by employee

contribution requirement, private industry workers, National Compensation Survey, March 2009—Continued

(All workers with single coverage medical care benefits = 100 percent)

Characteristics

Total Employee contribution not

required Employee contribution required

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

Information ......................................................... 100 $326.75 25 $428.84 75 $293.53 $85.50

Financial activities ............................................. 100 310.84 21 404.07 79 286.67 86.73

Finance and insurance .................................. 100 307.06 17 388.09 83 289.93 87.45

Credit intermediation and related activities 100 300.93 16 389.27 84 284.20 88.36

Insurance carriers and related activities .... 100 316.51 18 395.41 82 299.00 86.78

Real estate and rental and leasing ................ 100 328.05 35 440.40 65 267.88 82.54

Professional and business services .................. 100 316.84 22 429.09 78 284.48 98.01

Professional and technical services .............. 100 307.25 24 371.16 76 286.94 97.13

Administrative and waste services ................ 100 311.49 21 481.77 79 267.57 105.34

Education and health services ........................... 100 348.41 18 404.22 82 336.50 94.21

Educational services ...................................... 100 360.29 17 458.65 83 340.33 98.84

Junior colleges, colleges, and universities 100 358.46 12 426.52 88 349.42 103.22

Health care and social assistance ................. 100 346.33 18 395.17 82 335.82 93.40

Leisure and hospitality ....................................... 100 272.39 18 391.21 82 246.75 95.48

Accommodation and food services ................ 100 273.18 17 406.91 83 245.78 95.95

Other services ................................................... 100 337.38 39 400.58 61 297.36 101.93

1 to 99 workers ...................................................... 100 311.43 30 402.23 70 272.46 101.97

1 to 49 workers .................................................. 100 312.30 32 393.36 68 273.76 104.37

50 to 99 workers ................................................ 100 309.46 25 428.23 75 269.78 97.04

100 workers or more .............................................. 100 322.24 16 427.06 84 302.78 86.53

100 to 499 workers ............................................ 100 320.50 15 435.63 85 299.45 88.44

500 workers or more .......................................... 100 324.18 16 417.83 84 306.48 84.42

Geographic areas

New England ......................................................... 100 322.38 18 458.10 82 293.30 108.53

Middle Atlantic ....................................................... 100 339.97 24 419.75 76 314.09 91.48

East North Central ................................................. 100 318.12 20 437.52 80 288.59 92.67

West North Central ................................................ 100 325.71 20 434.23 80 298.21 87.64

South Atlantic ........................................................ 100 294.22 16 358.34 84 282.10 94.21

East South Central ................................................ 100 283.47 18 345.82 82 269.70 98.76

West South Central ............................................... 100 316.22 21 386.03 79 297.83 87.99

Mountain ................................................................ 100 312.87 22 442.77 78 277.04 97.98

Pacific .................................................................... 100 331.01 32 421.00 68 288.93 84.85

1 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. For

definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 11. Standard errors for medical care benefits, single coverage: Employer and employee

premiums by employee contribution requirement, private industry workers, National

Compensation Survey, March 2009

Characteristics

Total Employee contribution not

required Employee contribution required

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

All workers ............................................................. $2.95 0.6 $7.74 0.6 $2.13 $1.00

Worker characteristics

Management, professional, and related ................ 4.92 1.0 13.57 1.0 3.72 1.65

Management, business, and financial ............... 8.54 1.2 29.18 1.2 5.47 1.69

Professional and related .................................... 4.40 1.4 10.37 1.4 4.33 2.30

Service ................................................................... 10.49 1.6 38.25 1.6 5.57 3.04

Protective service .............................................. 24.03 1.9 22.16 1.9 24.44 13.93

Sales and office ..................................................... 2.81 0.9 9.62 0.9 2.38 1.25

Sales and related ............................................... 3.47 1.4 11.01 1.4 3.39 2.19

Office and administrative support ...................... 3.45 1.0 11.63 1.0 2.99 1.53

Natural resources, construction, and maintenance 7.83 1.6 12.77 1.6 7.22 2.94

Construction, extraction, farming, fishing, and

forestry ............................................................. 13.69 2.3 19.87 2.3 13.27 5.76

Installation, maintenance, and repair ................. 7.10 1.9 12.27 1.9 8.28 2.66

Production, transportation, and material moving ... 4.56 1.1 11.76 1.1 3.54 1.68

Production ......................................................... 4.92 1.6 9.97 1.6 4.96 2.34

Transportation and material moving .................. 7.06 2.2 20.03 2.2 4.02 2.12

Full time ................................................................. 2.91 0.6 7.62 0.6 2.17 0.99

Part time ................................................................ 9.86 1.9 25.94 1.9 6.79 4.21

Union ..................................................................... 9.13 1.6 15.10 1.6 6.25 2.66

Nonunion ............................................................... 2.51 0.6 6.54 0.6 2.18 1.00

Wage percentiles:1

Lowest 10 percent ............................................. 10.98 3.6 54.61 3.6 8.35 4.42

Lowest 25 percent ............................................. 4.48 1.5 15.87 1.5 4.13 2.29

Second 25 percent ............................................ 3.30 0.8 9.78 0.8 2.94 1.67

Third 25 percent ................................................ 4.64 1.0 14.78 1.0 2.94 1.43

Highest 25 percent ............................................ 4.45 0.9 9.40 0.9 3.66 1.09

Highest 10 percent ............................................ 7.40 1.6 21.88 1.6 5.46 1.78

Establishment characteristics

Goods-producing industries ................................... 5.03 1.1 10.04 1.1 4.09 1.94

Construction ...................................................... 13.48 2.2 20.33 2.2 13.32 5.21

Manufacturing .................................................... 4.34 1.3 12.80 1.3 3.79 1.88

Service-providing industries .................................. 3.34 0.7 10.99 0.7 2.23 1.06

Trade, transportation, and utilities ..................... 2.92 1.1 10.72 1.1 2.59 1.58

Wholesale trade ............................................. 5.38 1.5 14.79 1.5 5.52 3.55

Retail trade .................................................... 3.70 1.5 14.19 1.5 3.04 2.08

Transportation and warehousing ................... 9.51 3.1 39.92 3.1 6.08 3.90

Utilities ........................................................... 10.15 3.2 19.75 3.2 12.50 5.98

See footnotes at end of table.
Table 11. Standard errors for medical care benefits, single coverage: Employer and employee

premiums by employee contribution requirement, private industry workers, National

Compensation Survey, March 2009—Continued

Characteristics

Total Employee contribution not

required Employee contribution required

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

Information ......................................................... $10.77 2.4 $16.41 2.4 $10.96 $4.02

Financial activities ............................................. 4.04 1.3 16.62 1.3 2.10 1.75

Finance and insurance .................................. 3.48 1.3 19.54 1.3 2.20 1.89

Credit intermediation and related activities 3.21 1.6 10.39 1.6 3.24 2.88

Insurance carriers and related activities .... 7.86 1.7 42.51 1.7 4.19 3.04

Real estate and rental and leasing ................ 14.90 4.7 29.63 4.7 8.70 5.67

Professional and business services .................. 7.76 2.0 23.20 2.0 6.48 2.58

Professional and technical services .............. 7.35 2.8 12.50 2.8 8.23 3.78

Administrative and waste services ................ 19.51 3.7 55.98 3.7 14.53 6.50

Education and health services ........................... 6.60 1.8 27.38 1.8 4.83 2.42

Educational services ...................................... 9.36 2.5 39.90 2.5 6.10 2.58

Junior colleges, colleges, and universities 6.75 2.1 22.05 2.1 6.60 2.46

Health care and social assistance ................. 7.72 2.1 32.02 2.1 5.64 2.77

Leisure and hospitality ....................................... 10.54 3.0 34.76 3.0 9.19 3.81

Accommodation and food services ................ 11.77 3.4 32.10 3.4 10.56 4.30

Other services ................................................... 13.29 4.5 25.83 4.5 11.55 5.59

1 to 99 workers ...................................................... 3.83 1.0 7.91 1.0 3.10 1.67

1 to 49 workers .................................................. 4.29 1.3 7.95 1.3 3.91 1.90

50 to 99 workers ................................................ 6.48 1.8 19.74 1.8 4.94 2.73

100 workers or more .............................................. 3.84 0.7 16.31 0.7 2.73 1.19

100 to 499 workers ............................................ 4.03 0.9 11.77 0.9 3.57 1.50

500 workers or more .......................................... 5.96 0.8 31.78 0.8 4.08 1.78

Geographic areas

New England ......................................................... 4.87 2.8 11.44 2.8 7.72 2.39

Middle Atlantic ....................................................... 7.56 1.2 24.79 1.2 3.46 3.32

East North Central ................................................. 7.74 1.4 18.33 1.4 6.43 2.41

West North Central ................................................ 13.18 2.0 40.52 2.0 10.80 3.33

South Atlantic ........................................................ 3.68 1.7 9.49 1.7 3.65 1.87

East South Central ................................................ 5.35 2.2 11.16 2.2 5.29 1.96

West South Central ............................................... 7.87 2.0 16.72 2.0 6.48 3.41

Mountain ................................................................ 7.22 2.0 19.80 2.0 7.91 4.95

Pacific .................................................................... 10.57 1.2 19.55 1.2 6.95 2.17

1 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 12. Medical care benefits, single coverage: Employee participation by type of contribution, private industry

workers, National Compensation Survey, March 2009

(All workers with contributory coverage = 100 percent)

Characteristics

Single coverage

Total with

contributory

coverage

Flat dollar

amount

Composite

rate1 Varies2 Flexiblebenefits3

Percent of

earnings

Exists, but

unknown Other

All workers ............................................................. 100 78 1 7 1 4 ( ) 12 1

Worker characteristics

Management, professional, and related ................ 100 78 2 9 2 4 () 9 1

Management, business, and financial ............... 100 76 2 11 2 4 () 9 1

Professional and related .................................... 100 79 2 8 2 – 10 1

Service ................................................................... 100 75 – 7 1 – 15 –

Protective service .............................................. 100 67 – 3 – – 27 –

Sales and office ..................................................... 100 74 4 ( ) 8 1 – 16 4 ( )

Sales and related ............................................... 100 68 – 7 – – 24 4 ( )

Office and administrative support ...................... 100 76 4 ( ) 9 1 – 12 1

Natural resources, construction, and maintenance 100 82 1 5 – – 11 2

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 79 – 5 – – 13 3

Installation, maintenance, and repair ................. 100 84 – 5 – – 10 –

Production, transportation, and material moving ... 100 83 1 5 4 ( ) – 10 1

Production ......................................................... 100 83 1 5 4 ( ) – 10 –

Transportation and material moving .................. 100 83 – 4 1 – 10 2

Full time ................................................................. 100 78 1 7 1 4 ( ) 12 1

Part time ................................................................ 100 75 – 8 1 – 15 –

Union ..................................................................... 100 79 2 4 – 4 ( ) 11 3

Nonunion ............................................................... 100 77 1 8 1 4 ( ) 12 4 ( )

Wage percentiles:5

Lowest 10 percent ............................................. 100 70 – 9––––

Lowest 25 percent ............................................. 100 73 1 6 4 ( ) – 19 –

Second 25 percent ............................................ 100 77 1 7 1 – 14 1

Third 25 percent ................................................ 100 80 1 6 1 4 ( ) 11 1

Highest 25 percent ............................................ 100 77 2 9 2 4 ( ) 10 1

Highest 10 percent ............................................ 100 76 2 9 2 4 ( ) 10 1

Establishment characteristics

Goods-producing industries ................................... 100 83 – 5 4 ( ) – 10 –

Construction ...................................................... 100 80 – 6 – – 11 –

Manufacturing .................................................... 100 84 – 4 4 ( ) – 10 –

Service-providing industries .................................. 100 76 1 8 1 4 ( ) 13 1

Trade, transportation, and utilities ..................... 100 74 1 6 4 ( ) – 18 1

Wholesale trade ............................................. 100 82 – 9––7–

Retail trade .................................................... 100 65 – 6 – – 28 –

Transportation and warehousing ................... 100 81 – – – – 14 –

Utilities ........................................................... 100 81 – –4–4–

See footnotes at end of table.
Table 12. Medical care benefits, single coverage: Employee participation by type of contribution, private industry

workers, National Compensation Survey, March 2009—Continued

(All workers with contributory coverage = 100 percent)

Characteristics

Single coverage

Total with

contributory

coverage

Flat dollar

amount

Composite

rate1 Varies2 Flexiblebenefits3

Percent of

earnings

Exists, but

unknown Other

Information ......................................................... 100 86 – 6––7–

Financial activities ............................................. 100 72 – 13 2 4 ( ) 11 1

Finance and insurance .................................. 100 70 1 15 2 4 ( ) 11 1

Credit intermediation and related activities 100 74 – 16 – – 8 –

Insurance carriers and related activities .... 100 68 1 8 3 – 17 –

Real estate and rental and leasing ................ 100 83 – –––––

Professional and business services .................. 100 79 – 72–9–

Professional and technical services .............. 100 82 – 7––9–

Administrative and waste services ................ 100 74 – –––––

Education and health services ........................... 100 78 – 10 2 – 9 1

Educational services ...................................... 100 81 – 10 2 – 7 –

Junior colleges, colleges, and universities 100 78 – 12 2 – 7 –

Health care and social assistance ................. 100 78 – 10 1 – 9 1

Leisure and hospitality ....................................... 100 69 – 6––––

Accommodation and food services ................ 100 69 – 8––––

Other services ................................................... 100 83 – –––––

1 to 99 workers ...................................................... 100 82 4 () 7 4 ( ) – 10 1

1 to 49 workers .................................................. 100 80 1 8 4 () – 9 1

50 to 99 workers ................................................ 100 84 – 5 – – 10 –

100 workers or more .............................................. 100 75 1 7 1 4 ( ) 14 1

100 to 499 workers ............................................ 100 80 1 5 1 – 14 4 ( )

500 workers or more .......................................... 100 70 2 10 2 – 15 1

Geographic areas

New England ......................................................... 100 84 – 61–9–

Middle Atlantic ....................................................... 100 79 – 6 1 1 12 –

East North Central ................................................. 100 76 1 7 2 – 14 –

West North Central ................................................ 100 79 – 8 – – 11 –

South Atlantic ........................................................ 100 80 – 7 – – 11 1

East South Central ................................................ 100 73 – 7––––

West South Central ............................................... 100 72 – 12 – – 14 –

Mountain ................................................................ 100 73 1 10 – – 15 1

Pacific .................................................................... 100 79 – 62–92

Average monthly employer premium6 ................... $291.20 $288.98 $299.63 $301.59 $307.00 $271.70 $291.73 $384.43

1 A composite rate is a set contribution covering more than one benefit area, for

example, health care and life insurance. Cost data for individual plans cannot be

determined. 2 Based on worker attributes. For example, employee contributions may vary

based on earnings, length of service, or age. 3 Amount varies by options selected under a "cafeteria plan" or

employer-sponsored reimbursement account. 4 Less than 0.5 percent. 5 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2008." See Technical Note for

more details. 6 Average premium is for all workers.

NOTE: Because of rounding, sums of individual items may not equal totals. Dash

indicates no workers in this category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 12. Standard errors for medical care benefits, single coverage: Employee participation by type of contribution,

private industry workers, National Compensation Survey, March 2009

Characteristics

Single coverage

Total with

contributory

coverage

Flat dollar

amount

Composite

rate1 Varies2 Flexiblebenefits3

Percent of

earnings

Exists, but

unknown Other

All workers ............................................................. 0.0 1.0 0.3 0.5 0.1 4 ( ) 0.8 0.2

Worker characteristics

Management, professional, and related ................ 0.0 1.2 0.7 0.8 0.3 4 ( ) 0.7 0.2

Management, business, and financial ............... 0.0 1.3 0.7 1.3 0.4 4 ( ) 0.8 0.2

Professional and related .................................... 0.0 1.5 0.7 0.8 0.3 – 1.0 0.3

Service ................................................................... 0.0 3.5 – 0.9 0.3 – 3.3 –

Protective service .............................................. 0.0 8.4 – 1.2 – – 7.6 –

Sales and office ..................................................... 0.0 1.0 4 ( ) 0.7 0.2 – 0.8 4 ( )

Sales and related ............................................... 0.0 1.7 – 0.8 – – 1.6 4 ( )

Office and administrative support ...................... 0.0 1.1 4 ( ) 0.8 0.3 – 0.7 0.2

Natural resources, construction, and maintenance 0.0 1.7 0.2 0.8 – – 1.4 0.6

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.0 2.8 – 1.2 – – 2.7 1.3

Installation, maintenance, and repair ................. 0.0 2.0 – 0.8 – – 1.7 –

Production, transportation, and material moving ... 0.0 1.2 0.4 0.7 4 ( ) – 1.0 0.3

Production ......................................................... 0.0 1.6 0.5 1.0 4 ( ) – 1.1 –

Transportation and material moving .................. 0.0 1.6 – 0.7 0.2 – 1.3 0.7

Full time ................................................................. 0.0 1.1 0.3 0.5 0.1 4 ( ) 0.9 0.2

Part time ................................................................ 0.0 2.0 – 1.1 0.3 – 1.5 –

Union ..................................................................... 0.0 2.2 0.9 1.5 – 4 ( ) 1.4 1.2

Nonunion ............................................................... 0.0 1.0 0.3 0.5 0.2 4 ( ) 0.8 4 ( )

Wage percentiles:5

Lowest 10 percent ............................................. 0.0 6.5 – 1.6 – – – –

Lowest 25 percent ............................................. 0.0 2.6 0.5 0.7 4 ( ) – 2.3 –

Second 25 percent ............................................ 0.0 1.4 0.2 0.7 0.2 – 1.1 0.2

Third 25 percent ................................................ 0.0 1.1 0.2 0.6 0.2 4 ( ) 0.7 0.2

Highest 25 percent ............................................ 0.0 1.2 0.8 0.7 0.3 4 ( ) 0.7 0.4

Highest 10 percent ............................................ 0.0 1.5 0.9 0.9 0.5 4 ( ) 1.0 0.4

Establishment characteristics

Goods-producing industries ................................... 0.0 1.7 – 0.8 4 ( ) – 1.0 –

Construction ...................................................... 0.0 2.8 – 1.6 – – 2.3 –

Manufacturing .................................................... 0.0 1.9 – 0.9 4 ( ) – 1.1 –

Service-providing industries .................................. 0.0 1.2 0.2 0.6 0.2 4 ( ) 0.9 0.2

Trade, transportation, and utilities ..................... 0.0 1.1 0.3 0.6 4 ( ) – 0.8 0.4

Wholesale trade ............................................. 0.0 1.8 – 1.1 – – 1.1 –

Retail trade .................................................... 0.0 1.7 – 0.9 – – 1.5 –

Transportation and warehousing ................... 0.0 2.7 – – – – 2.3 –

Utilities ........................................................... 0.0 6.1 – – 1.8 – 1.7 –

See footnotes at end of table.
Table 12. Standard errors for medical care benefits, single coverage: Employee participation by type of contribution,

private industry workers, National Compensation Survey, March 2009—Continued

Characteristics

Single coverage

Total with

contributory

coverage

Flat dollar

amount

Composite

rate1 Varies2 Flexiblebenefits3

Percent of

earnings

Exists, but

unknown Other

Information ......................................................... 0.0 2.4 – 1.4 – – 1.7 –

Financial activities ............................................. 0.0 1.8 – 1.3 0.8 4 ( ) 1.2 0.3

Finance and insurance .................................. 0.0 2.1 0.2 1.6 0.9 4 ( ) 1.3 0.3

Credit intermediation and related activities 0.0 2.3 – 2.2 – – 1.2 –

Insurance carriers and related activities .... 0.0 3.3 0.6 1.4 1.5 – 2.5 –

Real estate and rental and leasing ................ 0.0 6.0 – –––––

Professional and business services .................. 0.0 2.5 – 1.5 0.7 – 1.6 –

Professional and technical services .............. 0.0 3.0 – 1.7 – – 2.2 –

Administrative and waste services ................ 0.0 6.6 – –––––

Education and health services ........................... 0.0 1.9 – 1.5 0.4 – 1.0 0.3

Educational services ...................................... 0.0 2.3 – 1.7 0.9 – 1.4 –

Junior colleges, colleges, and universities 0.0 2.8 – 2.2 0.2 – 1.5 –

Health care and social assistance ................. 0.0 2.2 – 1.8 0.4 – 1.1 0.4

Leisure and hospitality ....................................... 0.0 9.3 – 2.4 – – – –

Accommodation and food services ................ 0.0 8.5 – 2.7 – – – –

Other services ................................................... 0.0 4.6 – –––––

1 to 99 workers ...................................................... 0.0 1.1 4 ( ) 0.7 4 ( ) – 0.9 0.3

1 to 49 workers .................................................. 0.0 1.3 0.2 1.0 4 ( ) – 1.0 0.3

50 to 99 workers ................................................ 0.0 1.8 – 0.9 – – 1.4 –

100 workers or more .............................................. 0.0 1.3 0.4 0.6 0.2 4 ( ) 1.1 0.2

100 to 499 workers ............................................ 0.0 0.9 0.3 0.5 0.3 – 0.7 4 ( )

500 workers or more .......................................... 0.0 2.3 0.8 1.0 0.4 – 2.2 0.5

Geographic areas

New England ......................................................... 0.0 3.1 – 2.1 0.4 – 1.6 –

Middle Atlantic ....................................................... 0.0 2.0 – 0.7 0.3 0.3 1.6 –

East North Central ................................................. 0.0 2.1 0.2 0.9 0.3 – 1.9 –

West North Central ................................................ 0.0 1.1 – 1.2 – – 1.5 –

South Atlantic ........................................................ 0.0 1.8 – 1.2 – – 1.1 0.3

East South Central ................................................ 0.0 9.6 – 2.2 – – – –

West South Central ............................................... 0.0 2.7 – 1.7 – – 1.3 –

Mountain ................................................................ 0.0 3.1 0.2 2.2 – – 2.2 0.3

Pacific .................................................................... 0.0 2.1 – 1.4 0.6 – 1.0 0.9

Average monthly employer premium6 ................... $2.13 $2.44 $23.61 $9.23 $8.80 $30.87 $5.85 $51.84

1 A composite rate is a set contribution covering more than one benefit area, for example, health care and life insurance. Cost data for individual plans cannot be determined. 2 Based on worker attributes. For example, employee contributions may vary based on earnings, length of service, or age. 3 Amount varies by options selected under a "cafeteria plan" or employer-sponsored reimbursement account. 4 Less than 0.05. 5 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical Note for more details. 6 Average premium is for all workers.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 13. Medical care benefits, family coverage: Employer and employee premiums by employee

contribution requirement, private industry workers, National Compensation Survey, March 2009

(All workers with family coverage medical care benefits = 100 percent)

Characteristics

Total Employee contribution not

required Employee contribution required

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

All workers ............................................................. 100 $737.68 12 $911.60 88 $714.83 $349.36

Worker characteristics

Management, professional, and related ................ 100 795.57 9 949.62 91 780.58 346.44

Management, business, and financial ............... 100 800.08 9 1,003.40 91 780.61 329.63

Professional and related .................................... 100 793.03 9 919.99 91 780.57 355.93

Service ................................................................... 100 658.57 10 820.70 90 640.01 380.16

Protective service .............................................. 100 568.59 3 721.99 97 563.56 317.90

Sales and office ..................................................... 100 704.00 8 890.18 92 688.85 366.58

Sales and related ............................................... 100 631.16 7 730.74 93 624.05 372.96

Office and administrative support ...................... 100 739.78 8 955.93 92 721.13 363.41

Natural resources, construction, and maintenance 100 714.98 24 919.21 76 650.44 359.12

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 678.81 32 852.68 68 596.19 385.11

Installation, maintenance, and repair ................. 100 747.37 17 1,034.31 83 689.96 340.19

Production, transportation, and material moving ... 100 754.39 16 921.34 84 723.24 301.94

Production ......................................................... 100 779.33 15 943.39 85 751.41 293.99

Transportation and material moving .................. 100 720.65 17 896.31 83 683.82 313.06

Full time ................................................................. 100 739.60 12 919.91 88 716.04 345.79

Part time ................................................................ 100 707.05 12 789.25 88 695.31 406.86

Union ..................................................................... 100 879.80 42 917.26 58 853.22 262.30

Nonunion ............................................................... 100 713.12 6 905.31 94 699.87 358.77

Wage percentiles:1

Lowest 10 percent ............................................. 100 560.91 9 434.47 91 572.78 366.64

Lowest 25 percent ............................................. 100 624.20 8 720.45 92 616.36 382.35

Second 25 percent ............................................ 100 686.47 8 823.75 92 674.94 364.75

Third 25 percent ................................................ 100 735.17 12 898.67 88 713.36 345.20

Highest 25 percent ............................................ 100 819.79 16 985.18 84 788.47 327.24

Highest 10 percent ............................................ 100 826.16 13 937.06 87 809.95 321.30

Establishment characteristics

Goods-producing industries ................................... 100 769.09 18 899.97 82 740.70 304.04

Construction ...................................................... 100 633.51 33 806.11 67 549.85 427.29

Manufacturing .................................................... 100 808.64 14 979.64 86 781.02 276.42

Service-providing industries .................................. 100 727.42 10 918.67 90 707.15 362.81

Trade, transportation, and utilities ..................... 100 687.75 10 849.95 90 668.94 348.90

Wholesale trade ............................................. 100 717.00 10 899.52 90 696.65 337.52

Retail trade .................................................... 100 606.21 9 635.44 91 603.27 384.20

Transportation and warehousing ................... 100 783.65 14 1,102.38 86 732.43 295.70

Utilities ........................................................... 100 905.25 10 1,000.67 90 894.30 282.61

See footnotes at end of table.
Table 13. Medical care benefits, family coverage: Employer and employee premiums by employee

contribution requirement, private industry workers, National Compensation Survey, March 2009—Continued

(All workers with family coverage medical care benefits = 100 percent)

Characteristics

Total Employee contribution not

required Employee contribution required

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

Information ......................................................... 100 $835.87 17 $1,217.69 83 $756.72 $293.09

Financial activities ............................................. 100 736.82 9 938.26 91 716.01 350.80

Finance and insurance .................................. 100 749.43 8 933.62 92 734.19 339.51

Credit intermediation and related activities 100 711.99 5 1,021.05 95 697.17 351.38

Insurance carriers and related activities .... 100 788.75 8 922.42 92 776.43 328.83

Real estate and rental and leasing ................ 100 679.26 17 947.66 83 623.38 408.32

Professional and business services .................. 100 742.28 10 960.99 90 719.17 360.16

Professional and technical services .............. 100 727.49 8 888.12 92 712.62 388.79

Administrative and waste services ................ 100 669.65 11 1,075.33 89 619.10 338.87

Education and health services ........................... 100 778.97 6 861.00 94 773.40 400.09

Educational services ...................................... 100 773.40 6 940.24 94 763.57 400.76

Junior colleges, colleges, and universities 100 809.68 2 1,012.98 98 804.77 378.14

Health care and social assistance ................. 100 779.98 7 848.72 93 775.20 399.97

Leisure and hospitality ....................................... 100 589.47 9 662.95 91 581.87 354.32

Accommodation and food services ................ 100 578.29 8 615.19 92 575.06 355.83

Other services ................................................... 100 737.73 17 1,175.13 83 650.44 378.14

1 to 99 workers ...................................................... 100 666.58 15 916.08 85 624.06 398.41

1 to 49 workers .................................................. 100 663.20 15 924.32 85 617.82 400.40

50 to 99 workers ................................................ 100 674.10 14 896.75 86 637.80 394.04

100 workers or more .............................................. 100 789.77 9 906.55 91 777.58 315.45

100 to 499 workers ............................................ 100 764.65 8 857.40 92 756.56 340.04

500 workers or more .......................................... 100 817.54 11 946.08 89 801.60 287.35

Geographic areas

New England ......................................................... 100 776.62 10 967.62 90 755.07 364.44

Middle Atlantic ....................................................... 100 811.12 16 891.14 84 796.08 339.28

East North Central ................................................. 100 768.24 14 926.76 86 742.68 313.60

West North Central ................................................ 100 738.25 12 851.82 88 722.16 325.27

South Atlantic ........................................................ 100 697.59 5 1,042.75 95 678.04 361.29

East South Central ................................................ 100 655.09 8 795.03 92 642.50 359.57

West South Central ............................................... 100 705.90 6 946.26 94 689.87 378.07

Mountain ................................................................ 100 686.62 11 850.74 89 666.23 383.14

Pacific .................................................................... 100 733.56 17 910.97 83 697.69 354.06

1 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. For

definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 13. Standard errors for medical care benefits, family coverage: Employer and employee

premiums by employee contribution requirement, private industry workers, National

Compensation Survey, March 2009

Characteristics

Total Employee contribution not

required Employee contribution required

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

All workers ............................................................. $6.04 0.5 $16.66 0.5 $5.85 $3.89

Worker characteristics

Management, professional, and related ................ 9.89 0.9 35.13 0.9 9.93 5.95

Management, business, and financial ............... 19.18 0.8 42.48 0.8 20.23 6.04

Professional and related .................................... 10.26 1.2 43.88 1.2 10.04 8.41

Service ................................................................... 20.70 1.1 72.79 1.1 18.26 10.27

Protective service .............................................. 56.34 1.3 208.52 1.3 57.55 48.34

Sales and office ..................................................... 6.18 0.5 28.20 0.5 6.03 5.03

Sales and related ............................................... 8.28 0.7 37.15 0.7 8.52 7.19

Office and administrative support ...................... 7.32 0.6 38.92 0.6 7.09 5.79

Natural resources, construction, and maintenance 14.42 1.5 26.53 1.5 14.81 8.71

Construction, extraction, farming, fishing, and

forestry ............................................................. 19.46 2.2 30.17 2.2 23.15 14.20

Installation, maintenance, and repair ................. 18.93 1.5 51.55 1.5 17.91 9.68

Production, transportation, and material moving ... 10.38 1.1 24.05 1.1 10.44 6.80

Production ......................................................... 13.99 1.4 28.14 1.4 15.20 8.17

Transportation and material moving .................. 15.17 1.6 40.75 1.6 13.38 9.54

Full time ................................................................. 6.23 0.5 17.64 0.5 5.94 3.96

Part time ................................................................ 17.55 1.6 67.55 1.6 15.96 13.40

Union ..................................................................... 14.32 1.6 21.86 1.6 15.58 11.91

Nonunion ............................................................... 5.94 0.5 26.90 0.5 5.98 3.98

Wage percentiles:1

Lowest 10 percent ............................................. 31.56 2.2 116.10 2.2 27.65 19.04

Lowest 25 percent ............................................. 12.50 0.7 78.77 0.7 11.62 8.33

Second 25 percent ............................................ 8.64 0.6 33.09 0.6 8.64 7.77

Third 25 percent ................................................ 8.44 0.8 22.97 0.8 8.49 5.58

Highest 25 percent ............................................ 9.10 0.9 23.18 0.9 10.33 3.91

Highest 10 percent ............................................ 12.61 1.3 41.19 1.3 13.65 6.58

Establishment characteristics

Goods-producing industries ................................... 9.62 1.0 16.91 1.0 10.97 6.43

Construction ...................................................... 16.78 2.2 20.51 2.2 20.37 13.38

Manufacturing .................................................... 12.03 1.1 24.10 1.1 12.76 6.53

Service-providing industries .................................. 6.35 0.5 25.41 0.5 5.85 4.37

Trade, transportation, and utilities ..................... 7.07 0.8 41.36 0.8 6.89 6.27

Wholesale trade ............................................. 13.99 1.1 54.94 1.1 13.42 12.74

Retail trade .................................................... 8.44 1.1 41.54 1.1 8.53 7.40

Transportation and warehousing ................... 27.95 2.0 90.91 2.0 23.42 14.22

Utilities ........................................................... 25.13 2.3 59.17 2.3 25.99 19.70

See footnotes at end of table.
Table 13. Standard errors for medical care benefits, family coverage: Employer and employee

premiums by employee contribution requirement, private industry workers, National

Compensation Survey, March 2009—Continued

Characteristics

Total Employee contribution not

required Employee contribution required

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

Information ......................................................... $22.41 2.3 $57.71 2.3 $17.24 $13.35

Financial activities ............................................. 8.41 1.0 27.31 1.0 8.71 7.33

Finance and insurance .................................. 9.21 0.9 38.44 0.9 8.58 6.81

Credit intermediation and related activities 10.30 1.0 49.90 1.0 10.75 8.69

Insurance carriers and related activities .... 14.49 1.3 54.37 1.3 15.19 8.63

Real estate and rental and leasing ................ 29.53 3.7 60.95 3.7 27.32 20.52

Professional and business services .................. 20.25 1.4 73.84 1.4 20.02 9.08

Professional and technical services .............. 25.31 1.9 116.99 1.9 23.46 15.37

Administrative and waste services ................ 39.06 3.3 106.12 3.3 33.57 22.04

Education and health services ........................... 16.38 1.2 68.84 1.2 14.67 11.87

Educational services ...................................... 19.82 1.8 77.75 1.8 18.84 15.01

Junior colleges, colleges, and universities 23.48 1.0 76.72 1.0 23.72 10.43

Health care and social assistance ................. 19.08 1.4 76.86 1.4 17.29 14.82

Leisure and hospitality ....................................... 31.74 1.8 87.28 1.8 30.76 14.73

Accommodation and food services ................ 35.51 2.1 109.05 2.1 34.34 17.45

Other services ................................................... 45.93 3.5 164.50 3.5 32.71 18.47

1 to 99 workers ...................................................... 7.97 0.8 24.60 0.8 7.52 5.90

1 to 49 workers .................................................. 9.10 1.0 28.58 1.0 9.12 6.49

50 to 99 workers ................................................ 16.54 1.5 41.66 1.5 17.62 9.48

100 workers or more .............................................. 8.40 0.5 26.00 0.5 8.12 4.34

100 to 499 workers ............................................ 9.87 0.6 21.84 0.6 10.88 7.83

500 workers or more .......................................... 12.69 0.6 50.92 0.6 11.95 5.69

Geographic areas

New England ......................................................... 15.31 1.8 24.44 1.8 16.41 12.15

Middle Atlantic ....................................................... 18.57 1.2 47.76 1.2 13.37 9.60

East North Central ................................................. 13.23 1.3 22.81 1.3 14.45 9.36

West North Central ................................................ 17.75 1.3 60.81 1.3 17.84 18.60

South Atlantic ........................................................ 14.74 1.0 59.16 1.0 13.50 6.38

East South Central ................................................ 15.52 1.2 34.49 1.2 15.99 11.51

West South Central ............................................... 13.82 0.9 90.40 0.9 13.26 14.24

Mountain ................................................................ 11.67 2.0 114.52 2.0 14.86 13.49

Pacific .................................................................... 18.42 1.7 28.98 1.7 20.92 8.91

1 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 14. Medical care benefits, family coverage: Employee participation by type of contribution, private industry

workers, National Compensation Survey, March 2009

(All workers with contributory coverage = 100 percent)

Characteristics

Family coverage

Total with

contributory

coverage

Flat dollar

amount

Composite

rate1 Varies2 Flexiblebenefits3

Percent of

earnings

Exists, but

unknown Other

All workers ............................................................. 100 79 1 6 1 4 ( ) 12 1

Worker characteristics

Management, professional, and related ................ 100 80 – 8 1 4 () 9 1

Management, business, and financial ............... 100 79 – 9 1 4 () 9 –

Professional and related .................................... 100 80 – 7 1 – 10 1

Service ................................................................... 100 77 – 6 1 – 14 –

Protective service .............................................. 100 68 – 3 – – 26 –

Sales and office ..................................................... 100 75 4 ( ) 7 1 – 16 4 ( )

Sales and related ............................................... 100 70 – 5 4 ( ) – 23 –

Office and administrative support ...................... 100 78 4 ( ) 8 1 – 12 4 ( )

Natural resources, construction, and maintenance 100 83 – 5 – – 11 2

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 79 – 5 – – 13 2

Installation, maintenance, and repair ................. 100 85 – 4––9–

Production, transportation, and material moving ... 100 85 1 4 4 () – 9 1

Production ......................................................... 100 85 – 5 4 () – 9 –

Transportation and material moving .................. 100 86 – 3 4 () – 9 –

Full time ................................................................. 100 80 1 6 1 4 ( ) 12 1

Part time ................................................................ 100 78 – 5 1 – 16 –

Union ..................................................................... 100 83 1 3––93

Nonunion ............................................................... 100 79 1 7 1 4 ( ) 12 4 ( )

Wage percentiles:5

Lowest 10 percent ............................................. 100 77 – 5 – – 16 –

Lowest 25 percent ............................................. 100 75 – 5 4 ( ) – 18 –

Second 25 percent ............................................ 100 78 4 () 6 4 ( ) – 14 4 ( )

Third 25 percent ................................................ 100 82 4 () 6 1 4 ( ) 11 1

Highest 25 percent ............................................ 100 80 – 7 1 4 () 9 1

Highest 10 percent ............................................ 100 79 – 82–91

Establishment characteristics

Goods-producing industries ................................... 100 84 – 4 4 ( ) – 10 –

Construction ...................................................... 100 81 – 6 – – 12 –

Manufacturing .................................................... 100 84 – 4 4 () – 9 –

Service-providing industries .................................. 100 78 4 () 7 1 4 ( ) 13 1

Trade, transportation, and utilities ..................... 100 76 1 5 4 ( ) – 18 1

Wholesale trade ............................................. 100 83 – 7––8–

Retail trade .................................................... 100 67 – 4 – – 27 –

Transportation and warehousing ................... 100 83 – 2 – – 13 –

Utilities ........................................................... 100 82 – –4–4–

See footnotes at end of table.
Table 14. Medical care benefits, family coverage: Employee participation by type of contribution, private industry

workers, National Compensation Survey, March 2009—Continued

(All workers with contributory coverage = 100 percent)

Characteristics

Family coverage

Total with

contributory

coverage

Flat dollar

amount

Composite

rate1 Varies2 Flexiblebenefits3

Percent of

earnings

Exists, but

unknown Other

Information ......................................................... 100 84 – 6––9–

Financial activities ............................................. 100 76 – 11 2 4 ( ) 11 –

Finance and insurance .................................. 100 74 – 13 2 4 ( ) 11 –

Credit intermediation and related activities 100 76 – 15 – – 7 –

Insurance carriers and related activities .... 100 73 – 6 3 – 17 –

Real estate and rental and leasing ................ 100 86 – –––––

Professional and business services .................. 100 83 – 52–9–

Professional and technical services .............. 100 85 – 5––9–

Administrative and waste services ................ 100 79 – 6 – – 11 –

Education and health services ........................... 100 79 – 9 1 – 10 1

Educational services ...................................... 100 80 – 82–9–

Junior colleges, colleges, and universities 100 80 – 11 2 – 6 –

Health care and social assistance ................. 100 79 – 9 1 – 10 1

Leisure and hospitality ....................................... 100 73 – 6 – – 19 –

Accommodation and food services ................ 100 74 – 7 – – 17 –

Other services ................................................... 100 84 – –––9–

1 to 99 workers ...................................................... 100 83 4 () 6 4 ( ) – 10 1

1 to 49 workers .................................................. 100 82 4 () 6 4 ( ) – 11 4 ( )

50 to 99 workers ................................................ 100 85 – 4 – – 10 –

100 workers or more .............................................. 100 77 1 7 1 4 ( ) 13 1

100 to 499 workers ............................................ 100 80 1 4 1 – 13 4 ( )

500 workers or more .......................................... 100 73 – 10 2 – 13 1

Geographic areas

New England ......................................................... 100 85 – 51–9–

Middle Atlantic ....................................................... 100 80 – 6 1 1 12 –

East North Central ................................................. 100 77 1 7 2 – 13 4 ( )

West North Central ................................................ 100 80 – 7 – – 12 –

South Atlantic ........................................................ 100 82 – 5 4 ( ) – 11 –

East South Central ................................................ 100 79 – 6––––

West South Central ............................................... 100 75 – 10 – – 13 –

Mountain ................................................................ 100 74 – 10 – – 16 –

Pacific .................................................................... 100 82 – 4 1 – 10 2

Average monthly employer premium6 ................... $714.83 $715.87 $725.68 $718.15 $762.30 $771.38 $703.54 $677.60

1 A composite rate is a set contribution covering more than one benefit area, for

example, health care and life insurance. Cost data for individual plans cannot be

determined. 2 Based on worker attributes. For example, employee contributions may vary

based on earnings, length of service, or age. 3 Amount varies by options selected under a "cafeteria plan" or

employer-sponsored reimbursement account. 4 Less than 0.5 percent. 5 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2008." See Technical Note for

more details. 6 Average premium is for all workers.

NOTE: Because of rounding, sums of individual items may not equal totals. Dash

indicates no workers in this category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 14. Standard errors for medical care benefits, family coverage: Employee participation by type of contribution,

private industry workers, National Compensation Survey, March 2009

Characteristics

Family coverage

Total with

contributory

coverage

Flat dollar

amount

Composite

rate1 Varies2 Flexiblebenefits3

Percent of

earnings

Exists, but

unknown Other

All workers ............................................................. 0.0 0.9 0.2 0.4 0.1 4 ( ) 0.6 0.2

Worker characteristics

Management, professional, and related ................ 0.0 1.2 – 0.7 0.3 4 ( ) 0.7 0.2

Management, business, and financial ............... 0.0 1.3 – 1.1 0.3 4 ( ) 0.8 –

Professional and related .................................... 0.0 1.5 – 0.8 0.3 – 1.0 0.3

Service ................................................................... 0.0 2.8 – 0.9 0.3 – 2.4 –

Protective service .............................................. 0.0 8.1 – 1.2 – – 7.4 –

Sales and office ..................................................... 0.0 1.0 4 ( ) 0.5 0.2 – 0.8 4 ( )

Sales and related ............................................... 0.0 1.8 – 0.7 4 ( ) – 1.8 –

Office and administrative support ...................... 0.0 1.0 4 ( ) 0.7 0.2 – 0.7 4 ( )

Natural resources, construction, and maintenance 0.0 1.5 – 0.8 – – 1.2 0.6

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.0 2.8 – 1.2 – – 2.5 1.1

Installation, maintenance, and repair ................. 0.0 1.6 – 0.8 – – 1.2 –

Production, transportation, and material moving ... 0.0 1.1 0.3 0.6 4 ( ) – 0.9 0.2

Production ......................................................... 0.0 1.4 – 0.9 4 ( ) – 1.1 –

Transportation and material moving .................. 0.0 1.4 – 0.7 4 ( ) – 1.1 –

Full time ................................................................. 0.0 0.9 0.2 0.4 0.1 4 ( ) 0.7 0.2

Part time ................................................................ 0.0 1.9 – 0.9 0.2 – 1.5 –

Union ..................................................................... 0.0 1.7 0.5 1.4 – – 1.0 1.0

Nonunion ............................................................... 0.0 0.9 0.2 0.4 0.1 4 ( ) 0.7 4 ( )

Wage percentiles:5

Lowest 10 percent ............................................. 0.0 3.7 – 1.5 – – 2.7 –

Lowest 25 percent ............................................. 0.0 1.8 – 0.7 4 ( ) – 1.7 –

Second 25 percent ............................................ 0.0 1.2 4 ( ) 0.7 4 ( ) – 0.9 4 ( )

Third 25 percent ................................................ 0.0 0.9 4 ( ) 0.6 0.1 4 ( ) 0.7 0.2

Highest 25 percent ............................................ 0.0 1.1 – 0.6 0.3 4 ( ) 0.7 0.3

Highest 10 percent ............................................ 0.0 1.4 – 0.8 0.4 – 0.8 0.4

Establishment characteristics

Goods-producing industries ................................... 0.0 1.5 – 0.6 4 ( ) – 1.0 –

Construction ...................................................... 0.0 2.7 – 1.4 – – 2.3 –

Manufacturing .................................................... 0.0 1.7 – 0.7 4 ( ) – 1.0 –

Service-providing industries .................................. 0.0 0.9 4 ( ) 0.5 0.2 4 ( ) 0.7 0.2

Trade, transportation, and utilities ..................... 0.0 1.0 0.2 0.5 4 ( ) – 0.9 0.3

Wholesale trade ............................................. 0.0 1.7 – 1.1 – – 1.3 –

Retail trade .................................................... 0.0 1.8 – 0.7 – – 1.8 –

Transportation and warehousing ................... 0.0 2.4 – 0.8 – – 2.1 –

Utilities ........................................................... 0.0 5.7 – – 1.7 – 1.4 –

See footnotes at end of table.
Table 14. Standard errors for medical care benefits, family coverage: Employee participation by type of contribution,

private industry workers, National Compensation Survey, March 2009—Continued

Characteristics

Family coverage

Total with

contributory

coverage

Flat dollar

amount

Composite

rate1 Varies2 Flexiblebenefits3

Percent of

earnings

Exists, but

unknown Other

Information ......................................................... 0.0 2.6 – 1.7 – – 1.7 –

Financial activities ............................................. 0.0 1.5 – 1.2 0.7 4 ( ) 1.0 –

Finance and insurance .................................. 0.0 1.9 – 1.4 0.8 4 ( ) 1.2 –

Credit intermediation and related activities 0.0 2.2 – 2.0 – – 1.1 –

Insurance carriers and related activities .... 0.0 3.0 – 1.2 1.3 – 2.4 –

Real estate and rental and leasing ................ 0.0 4.6 – –––––

Professional and business services .................. 0.0 1.9 – 1.1 0.7 – 1.3 –

Professional and technical services .............. 0.0 2.8 – 1.4 – – 2.0 –

Administrative and waste services ................ 0.0 4.4 – 2.6 – – 3.1 –

Education and health services ........................... 0.0 1.9 – 1.4 0.4 – 1.2 0.3

Educational services ...................................... 0.0 2.5 – 1.4 0.8 – 2.1 –

Junior colleges, colleges, and universities 0.0 2.5 – 2.0 0.2 – 1.4 –

Health care and social assistance ................. 0.0 2.2 – 1.7 0.4 – 1.3 0.3

Leisure and hospitality ....................................... 0.0 6.5 – 2.2 – – 4.9 –

Accommodation and food services ................ 0.0 5.4 – 2.6 – – 3.7 –

Other services ................................................... 0.0 3.6 – – – – 2.5 –

1 to 99 workers ...................................................... 0.0 1.0 4 ( ) 0.6 4 ( ) – 0.8 0.2

1 to 49 workers .................................................. 0.0 1.2 4 ( ) 0.8 4 ( ) – 0.9 4 ( )

50 to 99 workers ................................................ 0.0 1.7 – 0.8 – – 1.5 –

100 workers or more .............................................. 0.0 1.1 0.4 0.6 0.2 4 ( ) 0.8 0.2

100 to 499 workers ............................................ 0.0 1.0 0.3 0.5 0.3 – 0.8 4 ( )

500 workers or more .......................................... 0.0 1.8 – 1.0 0.3 – 1.6 0.4

Geographic areas

New England ......................................................... 0.0 3.6 – 1.7 0.4 – 2.3 –

Middle Atlantic ....................................................... 0.0 2.5 – 0.8 0.3 0.3 1.8 –

East North Central ................................................. 0.0 2.1 0.2 0.9 0.3 – 1.7 4 ( )

West North Central ................................................ 0.0 1.7 – 1.3 – – 1.7 –

South Atlantic ........................................................ 0.0 1.8 – 0.9 4 ( ) – 1.2 –

East South Central ................................................ 0.0 6.6 – 2.1 – – – –

West South Central ............................................... 0.0 2.2 – 1.7 – – 0.9 –

Mountain ................................................................ 0.0 3.0 – 2.1 – – 2.6 –

Pacific .................................................................... 0.0 1.6 – 1.2 0.5 – 1.0 0.8

Average monthly employer premium6 ................... $5.85 $7.03 $52.00 $18.18 $35.22 $80.21 $11.94 $53.52

1 A composite rate is a set contribution covering more than one benefit area, for example, health care and life insurance. Cost data for individual plans cannot be determined. 2 Based on worker attributes. For example, employee contributions may vary based on earnings, length of service, or age. 3 Amount varies by options selected under a "cafeteria plan" or employer-sponsored reimbursement account. 4 Less than 0.05. 5 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical Note for more details. 6 Average premium is for all workers.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 15. Medical care benefits: Employee contributions for single and family coverage, private industry workers, National

Compensation Survey, March 2009

(Includes workers participating in medical care benefits with flat dollar amount contributory coverage)

Characteristics

Single coverage1 Family coverage1

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. $28.21 $49.75 $77.88 $115.70 $165.65 $100.41 $183.62 $289.96 $450.09 $664.51

Worker characteristics

Management, professional, and related ................ 28.82 47.66 76.34 110.84 158.80 101.25 181.48 290.41 441.90 654.42

Management, business, and financial ............... 28.50 47.67 76.13 110.23 153.77 100.70 175.00 285.20 433.65 625.00

Professional and related .................................... 29.00 47.66 76.49 111.09 163.22 101.83 183.62 294.47 442.75 661.86

Service ................................................................... 25.85 49.98 81.01 126.90 168.49 99.60 211.00 312.89 504.72 695.36

Protective service .............................................. 17.52 21.38 71.49 132.62 148.58 59.57 72.69 234.00 540.86 647.64

Sales and office ..................................................... 29.26 52.15 80.90 119.63 173.38 114.82 200.00 313.10 477.57 688.40

Sales and related ............................................... 29.19 54.00 88.00 130.07 187.92 103.99 216.65 319.47 485.72 696.52

Office and administrative support ...................... 29.44 51.40 78.00 112.66 164.87 120.12 194.99 307.77 474.71 681.46

Natural resources, construction, and maintenance 28.24 49.84 82.44 128.00 188.55 108.00 186.94 305.00 488.64 721.42

Construction, extraction, farming, fishing, and

forestry ............................................................. 25.00 48.12 86.66 135.00 212.42 108.00 215.00 337.00 526.20 779.12

Installation, maintenance, and repair ................. 30.93 50.00 79.78 123.24 181.53 108.00 168.99 286.00 460.14 668.92

Production, transportation, and material moving ... 26.65 46.35 72.00 107.37 152.16 83.97 153.90 254.75 379.80 602.29

Production ......................................................... 26.08 45.08 70.52 105.73 150.68 84.00 145.00 246.97 355.31 558.56

Transportation and material moving .................. 28.84 49.20 73.66 108.62 160.32 76.88 167.26 263.37 404.99 639.91

Full time ................................................................. 28.27 49.83 77.30 114.59 162.60 100.85 182.72 287.00 446.09 658.48

Part time ................................................................ 28.00 46.00 83.25 149.60 222.99 90.00 206.47 346.16 558.74 738.93

Union ..................................................................... 22.32 39.00 65.34 96.63 132.02 65.00 113.00 203.79 297.29 466.15

Nonunion ............................................................... 29.59 50.00 80.00 118.97 170.08 110.00 193.58 300.38 469.45 673.20

Establishment characteristics

Goods-producing industries ................................... 26.65 46.28 73.01 106.80 153.76 94.00 159.54 254.00 389.97 588.02

Construction ...................................................... 28.00 53.86 92.40 149.13 221.00 140.08 240.65 407.30 588.02 801.26

Manufacturing .................................................... 26.02 44.98 69.33 101.80 144.92 85.00 145.00 231.00 327.00 507.45

Service-providing industries .................................. 29.00 50.00 80.00 119.31 170.91 103.00 192.50 305.45 473.19 685.21

Trade, transportation, and utilities ..................... 29.04 51.00 78.00 120.03 178.44 99.67 182.72 290.15 460.08 682.53

Wholesale trade ............................................. 25.29 47.66 73.00 107.17 161.13 100.00 174.62 278.34 450.45 646.00

Retail trade .................................................... 28.60 55.90 91.00 138.00 198.00 102.46 225.14 333.64 522.21 730.88

Transportation and warehousing ................... 30.00 50.61 70.52 107.00 173.33 99.00 172.08 242.65 346.64 631.98

Utilities ........................................................... 28.71 48.00 75.26 106.00 151.46 108.00 165.35 273.38 366.17 488.64

Information ......................................................... 19.92 41.99 74.88 105.10 145.54 80.41 145.54 230.92 330.48 547.86

Financial activities ............................................. 26.87 46.84 76.00 108.00 154.99 124.99 205.50 307.82 463.11 643.57

Finance and insurance .................................. 27.06 48.29 77.17 109.34 153.40 122.00 201.48 300.00 436.00 618.00

Credit intermediation and related activities 25.66 49.00 76.99 108.95 152.04 127.65 205.75 312.33 448.96 644.00

Insurance carriers and related activities .... 28.01 46.84 77.00 112.38 159.20 116.00 188.72 295.00 437.46 598.00

Real estate and rental and leasing ................ 25.00 43.25 71.17 103.84 162.27 143.00 230.17 327.44 565.62 693.75

See footnotes at end of table.
Table 15. Medical care benefits: Employee contributions for single and family coverage, private industry workers, National

Compensation Survey, March 2009—Continued

(Includes workers participating in medical care benefits with flat dollar amount contributory coverage)

Characteristics

Single coverage1 Family coverage1

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Professional and business services .................. $32.31 $52.99 $84.91 $126.61 $177.20 $108.76 $190.65 $307.43 $488.21 $689.60

Professional and technical services .............. 32.00 54.00 85.08 126.61 174.00 140.00 201.42 322.00 523.82 714.03

Administrative and waste services ................ 23.26 51.17 93.95 138.93 222.99 72.69 191.72 323.37 478.00 689.60

Education and health services ........................... 29.60 46.39 79.28 113.45 166.58 106.02 208.03 339.06 498.35 750.00

Educational services ...................................... 32.32 54.20 85.98 121.94 190.00 158.40 243.06 335.30 486.00 696.19

Junior colleges, colleges, and universities 33.34 55.82 92.00 135.49 210.00 174.56 253.77 331.22 478.25 639.83

Health care and social assistance ................. 29.60 45.50 77.90 111.83 163.71 99.60 202.07 340.24 498.35 756.91

Leisure and hospitality ....................................... 20.39 53.34 82.86 130.00 168.00 129.67 227.07 285.89 448.47 615.80

Accommodation and food services ................ 22.65 60.45 89.70 131.41 168.99 132.76 229.62 300.15 448.47 615.80

Other services ................................................... 37.59 58.01 84.40 132.60 192.40 104.97 207.00 323.76 491.19 688.46

1 to 99 workers ...................................................... 31.66 54.16 87.70 129.57 182.80 115.03 211.70 335.20 527.48 747.64

1 to 49 workers .................................................. 32.00 55.00 90.00 133.95 193.35 112.00 213.10 345.72 527.98 754.80

50 to 99 workers ................................................ 30.26 52.11 82.50 124.57 172.00 124.97 206.40 318.49 526.20 730.88

100 workers or more .............................................. 25.84 45.99 72.07 108.00 151.66 99.00 168.03 262.60 392.00 587.30

100 to 499 workers ............................................ 26.68 47.19 75.81 110.65 153.76 100.70 182.50 286.47 426.51 633.15

500 workers or more .......................................... 23.44 44.63 68.66 103.20 150.07 89.71 155.99 233.07 346.16 481.96

Geographic areas

New England ......................................................... 38.04 70.04 96.00 135.85 198.97 117.51 210.27 322.00 448.00 663.02

Middle Atlantic ....................................................... 31.77 49.83 75.23 114.87 164.74 99.60 168.48 277.31 411.64 673.10

East North Central ................................................. 28.61 47.08 76.06 115.42 165.62 82.10 153.61 258.89 410.00 572.95

West North Central ................................................ 31.63 48.50 69.24 104.11 154.05 105.00 190.65 280.10 425.80 588.85

South Atlantic ........................................................ 30.00 51.09 81.01 119.06 173.88 124.80 202.00 316.31 479.19 682.53

East South Central ................................................ 30.00 54.21 84.00 124.00 194.99 109.62 206.47 299.21 479.46 672.41

West South Central ............................................... 26.00 47.47 71.85 108.33 153.00 122.06 202.00 329.31 498.35 689.86

Mountain ................................................................ 27.86 49.12 86.33 123.40 159.50 99.90 203.52 309.00 463.80 656.78

Pacific .................................................................... 17.33 43.05 70.52 108.17 151.24 99.00 174.00 280.18 485.40 695.36

1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each

published series. For example, at the 50th percentile or median, half of participating

workers pay the same as or more than the premium shown, and half pay the same as or

less than the premium shown. At the 25th percentile, one-fourth of participating workers

pay the same or less than the premium shown. The remaining percentiles follow the same

logic.

NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 15. Standard errors for medical care benefits: Employee contributions for single and family coverage, private

industry workers, National Compensation Survey, March 2009

Characteristics

Single coverage1 Family coverage1

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. $1.66 $1.01 $1.27 $2.00 $3.31 $1.56 $3.25 $4.07 $5.49 $9.74

Worker characteristics

Management, professional, and related ................ 2.24 1.77 1.70 2.75 4.44 1.85 3.96 6.57 10.10 18.32

Management, business, and financial ............... 2.96 2.70 2.44 3.42 4.08 2.86 6.26 7.34 18.01 24.55

Professional and related .................................... 2.61 1.92 2.35 3.58 6.78 3.47 5.14 8.37 11.55 24.36

Service ................................................................... 6.34 5.62 3.66 4.49 6.38 14.79 11.28 20.46 24.13 30.06

Protective service .............................................. 2.49 28.63 24.63 21.79 105.84 8.26 51.67 92.77 136.19 230.93

Sales and office ..................................................... 1.18 1.50 1.09 2.31 4.99 5.86 4.37 6.97 8.99 16.15

Sales and related ............................................... 1.90 2.45 3.02 5.66 7.08 10.26 7.72 5.01 12.62 21.09

Office and administrative support ...................... 1.89 1.63 1.82 3.85 6.67 7.42 4.62 9.43 12.79 20.16

Natural resources, construction, and maintenance 2.67 2.03 2.93 5.01 14.73 7.92 6.89 8.36 11.20 26.58

Construction, extraction, farming, fishing, and

forestry ............................................................. 15.42 2.64 6.23 9.77 20.99 13.53 16.90 27.52 35.27 40.23

Installation, maintenance, and repair ................. 2.11 2.60 2.26 5.57 10.99 10.98 9.37 10.02 24.55 23.87

Production, transportation, and material moving ... 2.43 1.86 1.73 2.32 2.87 5.92 6.18 5.90 12.34 21.63

Production ......................................................... 2.99 2.09 2.58 3.36 3.06 6.14 6.60 8.60 16.72 34.53

Transportation and material moving .................. 3.28 3.02 2.25 2.04 14.12 14.47 6.77 8.33 22.46 24.27

Full time ................................................................. 1.86 0.66 1.23 2.28 2.63 2.30 3.16 3.36 4.53 7.41

Part time ................................................................ 2.01 2.72 4.97 13.18 16.24 5.68 13.75 22.67 31.86 28.27

Union ..................................................................... 1.50 2.08 1.94 2.54 4.35 4.59 6.14 7.24 9.49 22.61

Nonunion ............................................................... 1.27 0.50 1.17 2.11 3.77 4.09 3.45 4.23 8.32 9.72

Establishment characteristics

Goods-producing industries ................................... 1.76 1.33 2.36 2.28 5.37 6.94 6.94 4.43 14.35 17.58

Construction ...................................................... 12.12 5.75 3.31 8.79 18.66 20.55 13.57 17.42 23.29 33.66

Manufacturing .................................................... 1.77 1.97 1.94 3.20 5.26 5.69 4.47 6.94 9.21 26.80

Service-providing industries .................................. 1.61 0.56 1.34 2.24 3.50 5.41 4.63 4.96 7.31 11.88

Trade, transportation, and utilities ..................... 1.33 1.59 1.82 2.62 5.46 1.78 5.35 7.28 14.33 11.95

Wholesale trade ............................................. 7.07 2.78 3.03 3.57 13.83 19.84 8.33 14.59 24.44 27.27

Retail trade .................................................... 3.54 3.18 4.56 3.53 6.07 10.61 8.23 9.07 28.50 6.74

Transportation and warehousing ................... 2.57 3.86 2.30 6.46 11.04 10.05 8.66 19.17 22.48 87.50

Utilities ........................................................... 5.61 7.56 11.41 14.47 8.68 6.59 19.72 17.25 84.81 27.02

Information ......................................................... 4.04 4.07 4.26 3.67 9.45 8.12 4.63 7.83 9.64 44.64

Financial activities ............................................. 2.00 2.68 2.53 2.60 4.78 5.42 6.48 6.44 19.81 26.36

Finance and insurance .................................. 2.24 2.39 2.30 2.27 4.12 3.71 4.87 5.36 13.27 28.28

Credit intermediation and related activities 4.63 3.32 2.07 3.20 5.06 5.18 7.68 10.45 15.74 28.49

Insurance carriers and related activities .... 2.42 4.59 6.91 9.22 5.79 7.11 11.71 9.09 16.51 10.87

Real estate and rental and leasing ................ 4.35 5.69 8.34 6.81 19.36 37.09 19.93 68.09 27.59 36.38

See footnotes at end of table.
Table 15. Standard errors for medical care benefits: Employee contributions for single and family coverage, private

industry workers, National Compensation Survey, March 2009—Continued

Characteristics

Single coverage1 Family coverage1

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Professional and business services .................. $2.80 $1.94 $3.38 $4.26 $7.61 $16.25 $7.75 $14.87 $21.46 $32.91

Professional and technical services .............. 2.39 2.72 3.73 6.58 7.58 15.43 14.66 9.55 40.96 33.13

Administrative and waste services ................ 14.56 8.90 8.33 12.00 27.04 14.32 33.69 19.26 30.32 93.45

Education and health services ........................... 2.78 2.11 2.75 4.56 5.79 12.37 10.57 11.02 24.48 26.75

Educational services ...................................... 3.19 3.18 3.23 5.65 9.78 14.20 10.83 10.50 20.98 59.49

Junior colleges, colleges, and universities 3.04 3.48 4.76 4.06 13.06 8.93 8.77 15.54 18.37 44.87

Health care and social assistance ................. 3.72 2.00 3.13 4.82 7.44 8.76 10.60 13.49 30.90 28.72

Leisure and hospitality ....................................... 5.10 11.24 9.36 2.12 7.03 16.77 8.14 35.30 64.03 15.87

Accommodation and food services ................ 7.02 11.63 9.96 3.58 8.09 18.02 2.75 42.20 75.26 12.84

Other services ................................................... 9.24 4.01 8.07 4.19 27.63 29.70 32.17 46.63 26.11 75.85

1 to 99 workers ...................................................... 1.60 1.48 1.63 3.95 5.54 5.98 6.48 7.53 13.83 15.82

1 to 49 workers .................................................. 1.53 1.88 2.32 4.55 8.83 8.47 6.38 11.72 15.30 11.44

50 to 99 workers ................................................ 4.10 3.54 2.87 3.55 5.92 11.10 12.34 9.23 27.31 13.97

100 workers or more .............................................. 1.67 1.23 1.32 2.03 1.70 1.83 3.65 4.46 9.62 12.48

100 to 499 workers ............................................ 2.66 2.48 1.51 2.62 5.21 7.83 6.29 5.30 15.83 22.89

500 workers or more .......................................... 2.20 1.18 1.82 2.85 5.38 6.17 4.72 4.81 12.44 11.10

Geographic areas

New England ......................................................... 4.62 5.49 0.19 2.91 13.68 14.65 12.89 1.47 13.43 9.39

Middle Atlantic ....................................................... 1.63 2.58 3.58 6.73 9.25 2.38 9.13 7.61 11.13 27.18

East North Central ................................................. 3.47 2.01 2.32 4.53 5.46 9.83 8.52 8.14 17.01 19.91

West North Central ................................................ 3.33 3.29 5.23 1.92 8.58 7.60 8.29 11.26 31.70 52.59

South Atlantic ........................................................ 1.98 1.56 1.10 3.46 6.61 9.21 9.03 6.26 14.01 17.94

East South Central ................................................ 2.19 1.99 3.50 9.05 11.05 11.87 15.67 19.70 14.25 51.03

West South Central ............................................... 3.23 4.02 3.41 4.15 8.48 13.73 15.50 17.19 26.12 29.44

Mountain ................................................................ 4.01 6.82 3.59 7.07 19.66 9.60 19.40 12.17 23.07 62.93

Pacific .................................................................... 3.59 2.86 2.11 5.49 4.60 4.06 6.55 9.76 32.68 40.52

1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th percentile or median, half of participating workers pay the

same as or more than the premium shown, and half pay the same as or less than the premium shown. At the 25th percentile, one-fourth of participating workers pay the same or less than

the premium shown. The remaining percentiles follow the same logic.

NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 private industry workers, National Compensation

Survey, March 2009

(All workers = 100 percent)

Characteristics

Life insurance Short-term disabilty Long-term disability

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

All workers ............................................................. 59 57 96 39 38 97 33 31 95

Worker characteristics

Management, professional, and related ................ 77 75 98 52 51 98 58 55 96

Management, business, and financial ............... 85 84 99 60 59 98 64 62 96

Professional and related .................................... 73 71 98 48 47 98 55 52 96

Service ................................................................... 36 33 92 23 21 93 13 12 93

Protective service .............................................. 54 51 94 31 30 95 15 14 95

Sales and office ..................................................... 59 56 95 37 36 97 32 31 96

Sales and related ............................................... 48 44 92 30 29 96 19 18 93

Office and administrative support ...................... 66 64 97 42 41 98 41 40 97

Natural resources, construction, and maintenance 57 54 95 37 36 97 23 22 96

Construction, extraction, farming, fishing, and

forestry ............................................................. 47 44 94 29 28 97 13 13 97

Installation, maintenance, and repair ................. 67 65 97 46 45 97 34 33 96

Production, transportation, and material moving ... 66 63 96 48 47 98 28 27 96

Production ......................................................... 72 70 97 56 55 98 31 30 96

Transportation and material moving .................. 60 57 95 40 39 97 24 23 95

Full time ................................................................. 73 70 96 47 46 97 41 39 96

Part time ................................................................ 15 14 89 14 14 96 6 6 92

Union ..................................................................... 79 77 98 62 61 98 35 34 96

Nonunion ............................................................... 57 54 96 37 36 97 32 31 95

Wage percentiles:2

Lowest 10 percent ............................................. 17 15 87 15 13 88 – – –

Lowest 25 percent ............................................. 28 25 89 18 17 92 9 8 92

Second 25 percent ............................................ 64 61 95 38 37 97 28 27 95

Third 25 percent ................................................ 71 69 97 47 46 98 40 39 96

Highest 25 percent ............................................ 79 78 99 59 58 98 58 56 96

Highest 10 percent ............................................ 82 81 99 61 60 98 64 61 96

Establishment characteristics

Goods-producing industries ................................... 71 69 97 52 51 98 33 32 96

Construction ...................................................... 44 41 93 25 24 97 12 11 92

Manufacturing .................................................... 82 80 98 64 63 98 41 40 97

Service-providing industries .................................. 56 54 96 37 35 97 33 31 95

Trade, transportation, and utilities ..................... 58 55 94 35 34 96 23 22 94

Wholesale trade ............................................. 71 69 97 48 46 97 39 37 95

Retail trade .................................................... 48 43 91 28 27 95 12 11 89

Transportation and warehousing ................... 75 74 98 41 40 99 34 33 97

Utilities ........................................................... 92 91 99 50 50 100 87 85 98

See footnotes at end of table.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 private industry workers, National Compensation

Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics

Life insurance Short-term disabilty Long-term disability

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

Information ......................................................... 81 81 99 71 69 98 62 61 98

Financial activities ............................................. 79 77 98 63 61 98 65 61 95

Finance and insurance .................................. 86 85 99 69 68 98 74 70 95

Credit intermediation and related activities 90 89 99 69 68 98 77 73 96

Insurance carriers and related activities .... 80 79 99 67 67 99 73 68 93

Real estate and rental and leasing ................ 53 49 93 39 38 97 32 31 95

Professional and business services .................. 57 56 97 41 40 97 40 38 97

Professional and technical services .............. 71 71 99 52 49 96 58 56 97

Administrative and waste services ................ 36 33 93 25 25 97 15 15 97

Education and health services ........................... 64 62 96 32 32 98 39 37 95

Educational services ...................................... 68 67 99 36 36 98 59 56 96

Junior colleges, colleges, and universities 86 85 99 44 43 97 79 76 96

Health care and social assistance ................. 63 61 96 32 31 98 35 34 95

Leisure and hospitality ....................................... 28 25 91 21 19 90 – – –

Accommodation and food services ................ 27 24 90 21 19 90 – – –

Other services ................................................... 37 35 93 25 24 96 25 24 95

1 to 99 workers ...................................................... 43 41 95 27 26 97 20 20 95

1 to 49 workers .................................................. 39 36 94 24 23 96 18 17 95

50 to 99 workers ................................................ 56 53 96 36 35 97 27 26 96

100 workers or more .............................................. 77 75 97 53 52 97 46 44 96

100 to 499 workers ............................................ 71 68 95 47 45 97 36 34 96

500 workers or more .......................................... 85 84 98 62 60 98 60 57 96

Geographic areas

New England ......................................................... 58 56 97 41 40 97 36 34 95

Middle Atlantic ....................................................... 56 55 98 73 73 100 32 31 97

East North Central ................................................. 64 62 97 42 41 96 36 34 95

West North Central ................................................ 60 58 97 32 31 98 31 29 95

South Atlantic ........................................................ 62 60 96 34 33 95 34 32 95

East South Central ................................................ 64 61 96 39 36 93 36 35 97

West South Central ............................................... 58 53 91 29 27 95 33 32 96

Mountain ................................................................ 57 53 94 27 26 97 29 27 95

Pacific .................................................................... 53 51 96 28 27 97 29 28 95

1 The take-up rate is an estimate of the percentage of workers with access to a plan

who participate in the plan, rounded for presentation. See Technical Note for more details. 2 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria.

For definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 16. Standard errors for insurance benefits: Access, participation, and take-up rates,1 private industry workers, 

National Compensation Survey, March 2009

Characteristics

Life insurance Short-term disabilty Long-term disability

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

All workers ............................................................. 0.7 0.8 0.2 0.8 0.8 0.3 0.7 0.7 0.3

Worker characteristics

Management, professional, and related ................ 1.0 1.0 0.3 1.2 1.2 0.4 0.9 1.0 0.4

Management, business, and financial ............... 1.0 1.0 0.2 1.8 1.8 0.5 1.3 1.3 0.5

Professional and related .................................... 1.3 1.3 0.4 1.4 1.4 0.5 1.3 1.3 0.5

Service ................................................................... 2.3 2.3 1.2 2.0 1.8 1.5 1.8 1.8 1.8

Protective service .............................................. 5.5 5.5 2.4 5.2 4.9 2.7 3.0 3.0 2.6

Sales and office ..................................................... 0.8 0.8 0.3 0.9 0.8 0.3 0.8 0.8 0.4

Sales and related ............................................... 1.1 1.1 0.7 1.3 1.3 0.7 1.0 0.9 1.0

Office and administrative support ...................... 1.2 1.2 0.4 1.0 1.0 0.3 1.1 1.1 0.3

Natural resources, construction, and maintenance 1.5 1.5 0.6 1.4 1.4 0.6 1.4 1.4 0.8

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.0 2.0 1.1 1.9 1.8 1.0 1.2 1.2 0.7

Installation, maintenance, and repair ................. 2.0 2.0 0.8 1.9 1.8 0.6 2.4 2.4 1.0

Production, transportation, and material moving ... 1.2 1.2 0.3 1.2 1.2 0.4 1.0 1.0 0.5

Production ......................................................... 1.5 1.5 0.4 1.8 1.8 0.5 1.6 1.5 0.6

Transportation and material moving .................. 1.7 1.6 0.6 1.4 1.4 0.6 1.1 1.1 0.9

Full time ................................................................. 0.6 0.7 0.2 0.8 0.8 0.3 0.8 0.8 0.3

Part time ................................................................ 0.7 0.7 1.0 1.5 1.4 0.8 0.7 0.7 1.5

Union ..................................................................... 1.4 1.5 0.5 1.8 1.8 0.4 1.6 1.6 0.7

Nonunion ............................................................... 0.8 0.8 0.2 0.8 0.7 0.3 0.7 0.7 0.3

Wage percentiles:2

Lowest 10 percent ............................................. 3.0 2.9 3.2 2.8 2.3 3.3 – – –

Lowest 25 percent ............................................. 1.5 1.5 1.1 1.4 1.2 1.3 1.3 1.3 2.0

Second 25 percent ............................................ 1.2 1.2 0.4 1.1 1.1 0.4 1.0 1.0 0.5

Third 25 percent ................................................ 0.8 0.8 0.2 0.9 0.9 0.2 1.0 1.0 0.3

Highest 25 percent ............................................ 0.9 0.9 0.2 1.1 1.1 0.3 0.8 0.8 0.4

Highest 10 percent ............................................ 1.3 1.3 0.4 1.7 1.7 0.5 1.4 1.4 0.6

Establishment characteristics

Goods-producing industries ................................... 0.9 0.9 0.3 1.3 1.2 0.3 1.3 1.2 0.5

Construction ...................................................... 1.8 1.7 1.0 1.6 1.6 0.9 1.2 1.1 1.9

Manufacturing .................................................... 1.1 1.1 0.3 1.8 1.8 0.3 1.8 1.8 0.5

Service-providing industries .................................. 0.9 0.9 0.3 0.9 0.8 0.4 0.7 0.7 0.3

Trade, transportation, and utilities ..................... 1.0 1.0 0.4 0.8 0.8 0.4 0.8 0.7 0.7

Wholesale trade ............................................. 2.7 2.7 0.5 2.6 2.6 0.7 2.3 2.2 0.9

Retail trade .................................................... 1.2 1.2 0.7 1.2 1.1 0.7 0.9 0.8 1.4

Transportation and warehousing ................... 2.6 2.6 0.4 2.7 2.7 1.0 2.6 2.6 1.3

Utilities ........................................................... 2.2 2.3 1.1 6.3 6.3 0.0 2.9 2.8 0.4

See footnotes at end of table.
Table 16. Standard errors for insurance benefits: Access, participation, and take-up rates,1 private industry workers, 

National Compensation Survey, March 2009—Continued

Characteristics

Life insurance Short-term disabilty Long-term disability

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

Information ......................................................... 2.9 2.8 0.4 3.5 3.5 0.6 3.5 3.5 0.6

Financial activities ............................................. 1.5 1.5 0.4 1.2 1.2 0.5 1.6 1.6 0.6

Finance and insurance .................................. 1.0 1.0 0.2 1.2 1.2 0.3 1.3 1.3 0.6

Credit intermediation and related activities 1.0 1.0 0.2 1.6 1.6 0.4 1.5 1.4 0.7

Insurance carriers and related activities .... 2.0 2.0 0.3 2.5 2.5 0.5 2.4 2.5 1.2

Real estate and rental and leasing ................ 4.2 4.2 2.2 4.7 4.6 2.7 3.9 3.8 2.8

Professional and business services .................. 1.9 1.9 0.6 2.2 2.1 0.8 2.0 2.0 0.8

Professional and technical services .............. 2.6 2.5 0.4 3.6 3.5 1.3 2.7 2.7 1.1

Administrative and waste services ................ 2.9 2.8 1.4 2.6 2.6 1.0 2.6 2.5 1.0

Education and health services ........................... 1.5 1.5 0.8 1.6 1.5 0.4 1.6 1.5 0.6

Educational services ...................................... 2.7 2.7 0.3 2.9 2.9 0.3 3.0 2.8 0.5

Junior colleges, colleges, and universities 1.2 1.3 0.3 2.9 2.9 0.6 1.4 1.5 0.6

Health care and social assistance ................. 1.6 1.6 0.9 1.8 1.7 0.5 1.8 1.7 0.7

Leisure and hospitality ....................................... 5.6 5.5 2.7 4.2 3.7 2.5 – – –

Accommodation and food services ................ 5.8 5.7 3.1 5.0 4.4 2.8 – – –

Other services ................................................... 2.9 2.9 1.9 3.6 3.5 1.6 4.3 4.4 2.0

1 to 99 workers ...................................................... 0.9 0.9 0.4 0.9 0.9 0.5 0.8 0.8 0.5

1 to 49 workers .................................................. 1.0 1.0 0.6 0.8 0.7 0.7 0.9 0.8 0.5

50 to 99 workers ................................................ 1.7 1.7 0.5 2.2 2.1 1.0 2.2 2.1 1.2

100 workers or more .............................................. 0.8 0.8 0.3 1.1 1.1 0.3 1.0 1.0 0.4

100 to 499 workers ............................................ 1.1 1.1 0.5 1.6 1.5 0.4 1.3 1.2 0.5

500 workers or more .......................................... 1.0 0.9 0.2 1.3 1.2 0.6 1.3 1.3 0.5

Geographic areas

New England ......................................................... 1.6 1.5 0.5 2.0 2.1 1.5 2.1 2.1 0.7

Middle Atlantic ....................................................... 1.5 1.5 0.3 3.1 3.0 0.0 1.7 1.7 0.5

East North Central ................................................. 1.3 1.3 0.4 1.2 1.3 0.8 1.6 1.5 0.8

West North Central ................................................ 1.9 2.1 0.8 2.4 2.4 1.0 3.3 3.2 0.9

South Atlantic ........................................................ 1.5 1.5 0.4 2.1 2.0 0.9 1.5 1.5 0.9

East South Central ................................................ 7.9 7.7 0.6 5.9 5.2 1.5 5.8 6.0 1.2

West South Central ............................................... 1.7 1.6 1.1 1.7 1.7 1.4 1.8 1.8 0.6

Mountain ................................................................ 2.4 3.3 2.1 2.7 2.5 1.0 2.8 2.5 1.1

Pacific .................................................................... 1.9 1.8 0.5 1.7 1.6 0.7 1.2 1.1 0.8

1 The take-up rate is an estimate of the percentage of workers with access to a plan who participate in the plan, rounded for presentation. See Technical Note for more details. 2 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the threshold. The percentile values are

based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 17. Life insurance plans: Employee contribution

requirement, private industry workers, National Compensation

Survey, March 2009

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

Characteristics

Employee

contribution not

required

Employee

contribution

required

All workers ............................................................. 95 5

Worker characteristics

Management, professional, and related ................ 97 3

Management, business, and financial ............... 97 3

Professional and related .................................... 97 3

Service ................................................................... 93 7

Sales and office ..................................................... 95 5

Sales and related ............................................... 93 7

Office and administrative support ...................... 96 4

Natural resources, construction, and maintenance 91 9

Construction, extraction, farming, fishing, and

forestry ............................................................. 87 13

Installation, maintenance, and repair ................. 94 6

Production, transportation, and material moving ... 95 5

Production ......................................................... 94 6

Transportation and material moving .................. 96 4

Full time ................................................................. 95 5

Part time ................................................................ 97 3

Union ..................................................................... 96 4

Nonunion ............................................................... 95 5

Wage percentiles:1

Lowest 25 percent ............................................. 92 8

Second 25 percent ............................................ 94 6

Third 25 percent ................................................ 95 5

Highest 25 percent ............................................ 97 3

Highest 10 percent ............................................ 97 3

Establishment characteristics

Goods-producing industries ................................... 93 7

Construction ...................................................... 88 12

Manufacturing .................................................... 95 5

Service-providing industries .................................. 95 5

Trade, transportation, and utilities ..................... 94 6

Wholesale trade ............................................. 94 6

Retail trade .................................................... 93 7

Transportation and warehousing ................... 98 2

Utilities ........................................................... 95 5

See footnotes at end of table.
Table 17. Life insurance plans: Employee contribution

requirement, private industry workers, National Compensation

Survey, March 2009—Continued

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

Characteristics

Employee

contribution not

required

Employee

contribution

required

Information ......................................................... 97 3

Financial activities ............................................. 96 4

Finance and insurance .................................. 97 3

Credit intermediation and related activities 97 3

Insurance carriers and related activities .... 96 4

Professional and business services .................. 96 4

Professional and technical services .............. 98 2

Administrative and waste services ................ 93 7

Education and health services ........................... 97 3

Educational services ...................................... 96 4

Junior colleges, colleges, and universities 98 2

Health care and social assistance ................. 98 2

Other services ................................................... 95 5

1 to 99 workers ...................................................... 94 6

1 to 49 workers .................................................. 94 6

50 to 99 workers ................................................ 95 5

100 workers or more .............................................. 95 5

100 to 499 workers ............................................ 94 6

500 workers or more .......................................... 96 4

Geographic areas

New England ......................................................... 95 5

Middle Atlantic ....................................................... 98 2

East North Central ................................................. 95 5

West North Central ................................................ 96 4

South Atlantic ........................................................ 95 5

East South Central ................................................ 88 12

West South Central ............................................... 93 7

Mountain ................................................................ 94 6

Pacific .................................................................... 95 5

1 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and

below the threshold. The percentile values are

based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: Because of rounding, sums of individual

items may not equal totals. Dash indicates no

workers in this category or data did not meet

publication criteria. For definitions of major

plans, key provisions, and related terms, see

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 17. Standard errors for life insurance plans: Employee

contribution requirement, private industry workers, National

Compensation Survey, March 2009

Characteristics

Employee

contribution not

required

Employee

contribution

required

All workers ............................................................. 0.4 0.4

Worker characteristics

Management, professional, and related ................ 0.4 0.4

Management, business, and financial ............... 0.5 0.5

Professional and related .................................... 0.5 0.5

Service ................................................................... 1.6 1.6

Sales and office ..................................................... 0.6 0.6

Sales and related ............................................... 0.8 0.8

Office and administrative support ...................... 0.6 0.6

Natural resources, construction, and maintenance 1.0 1.0

Construction, extraction, farming, fishing, and

forestry ............................................................. 1.9 1.9

Installation, maintenance, and repair ................. 1.0 1.0

Production, transportation, and material moving ... 0.6 0.6

Production ......................................................... 0.9 0.9

Transportation and material moving .................. 0.7 0.7

Full time ................................................................. 0.4 0.4

Part time ................................................................ 0.7 0.7

Union ..................................................................... 0.8 0.8

Nonunion ............................................................... 0.4 0.4

Wage percentiles:1

Lowest 25 percent ............................................. 1.4 1.4

Second 25 percent ............................................ 0.4 0.4

Third 25 percent ................................................ 0.4 0.4

Highest 25 percent ............................................ 0.4 0.4

Highest 10 percent ............................................ 0.5 0.5

Establishment characteristics

Goods-producing industries ................................... 0.7 0.7

Construction ...................................................... 1.8 1.8

Manufacturing .................................................... 0.7 0.7

Service-providing industries .................................. 0.5 0.5

Trade, transportation, and utilities ..................... 0.5 0.5

Wholesale trade ............................................. 1.2 1.2

Retail trade .................................................... 0.8 0.8

Transportation and warehousing ................... 0.6 0.6

Utilities ........................................................... 1.9 1.9

See footnotes at end of table.
Table 17. Standard errors for life insurance plans: Employee

contribution requirement, private industry workers, National

Compensation Survey, March 2009—Continued

Characteristics

Employee

contribution not

required

Employee

contribution

required

Information ......................................................... 1.0 1.0

Financial activities ............................................. 0.7 0.7

Finance and insurance .................................. 0.6 0.6

Credit intermediation and related activities 0.8 0.8

Insurance carriers and related activities .... 1.2 1.2

Professional and business services .................. 1.0 1.0

Professional and technical services .............. 0.8 0.8

Administrative and waste services ................ 2.8 2.8

Education and health services ........................... 0.7 0.7

Educational services ...................................... 1.2 1.2

Junior colleges, colleges, and universities 0.6 0.6

Health care and social assistance ................. 0.8 0.8

Other services ................................................... 1.4 1.4

1 to 99 workers ...................................................... 0.6 0.6

1 to 49 workers .................................................. 0.7 0.7

50 to 99 workers ................................................ 0.9 0.9

100 workers or more .............................................. 0.5 0.5

100 to 499 workers ............................................ 0.6 0.6

500 workers or more .......................................... 1.1 1.1

Geographic areas

New England ......................................................... 1.6 1.6

Middle Atlantic ....................................................... 0.2 0.2

East North Central ................................................. 0.7 0.7

West North Central ................................................ 0.7 0.7

South Atlantic ........................................................ 0.8 0.8

East South Central ................................................ 2.4 2.4

West South Central ............................................... 0.8 0.8

Mountain ................................................................ 2.4 2.4

Pacific .................................................................... 0.7 0.7

1 The percentile groupings are based on the average wage for each occupation surveyed, which

may include workers both above and below the threshold. The percentile values are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 18. Life insurance plans: Method of benefit payment, private industry workers, 

National Compensation Survey, March 2009

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

Characteristics

Basic life insurance method of payment

Fixed

multiple of

earnings

Variable

multiple of

earnings

Flat dollar

amount

Variable

dollar

amount

Other

All workers ............................................................. 58 2 36 3 1

Worker characteristics

Management, professional, and related ................ 71 4 23 1 1

Management, business, and financial ............... 73 4 21 1 1

Professional and related .................................... 69 4 24 1 1

Service ................................................................... 49 1 45 4 1 ( )

Protective service .............................................. 32 – 67 – –

Sales and office ..................................................... 65 2 31 1 1

Sales and related ............................................... 62 1 36 1 1

Office and administrative support ...................... 66 2 29 2 1

Natural resources, construction, and maintenance 35 1 59 4 –

Construction, extraction, farming, fishing, and

forestry ............................................................. 16 1 78 4 –

Installation, maintenance, and repair ................. 50 1 45 4 1

Production, transportation, and material moving ... 44 1 49 5 1

Production ......................................................... 42 1 50 5 1

Transportation and material moving .................. 46 – 47 4 –

Full time ................................................................. 58 2 36 3 1

Part time ................................................................ 50 1 46 2 2

Union ..................................................................... 39 1 51 7 1

Nonunion ............................................................... 61 2 34 2 1

Wage percentiles:2

Lowest 10 percent ............................................. 46 – 45 7 –

Lowest 25 percent ............................................. 47 1 48 4 –

Second 25 percent ............................................ 55 2 41 2 1

Third 25 percent ................................................ 55 2 40 2 1

Highest 25 percent ............................................ 67 4 25 2 2

Highest 10 percent ............................................ 70 5 22 1 2

Establishment characteristics

Goods-producing industries ................................... 43 2 50 4 1

Construction ...................................................... 14 – 83 2 –

Manufacturing .................................................... 49 2 43 5 1

Service-providing industries .................................. 62 2 32 2 1

Trade, transportation, and utilities ..................... 55 2 40 2 1

Wholesale trade ............................................. 50 3 43 4 –

Retail trade .................................................... 53 1 44 1 1

Transportation and warehousing ................... 60 – 33 – 3

Utilities ........................................................... 82 2 14 – –

See footnotes at end of table.
Table 18. Life insurance plans: Method of benefit payment, private industry workers, 

National Compensation Survey, March 2009—Continued

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

Characteristics

Basic life insurance method of payment

Fixed

multiple of

earnings

Variable

multiple of

earnings

Flat dollar

amount

Variable

dollar

amount

Other

Information ......................................................... 85 3 11 – –

Financial activities ............................................. 80 3 15 1 1

Finance and insurance .................................. 83 3 11 1 1

Credit intermediation and related activities 87 48–1

Insurance carriers and related activities .... 80 3 15 1 1

Real estate and rental and leasing ................ 59 – 38 – –

Professional and business services .................. 64 2 31 – –

Professional and technical services .............. 67 1 30 – –

Administrative and waste services ................ 49 – 47 – –

Education and health services ........................... 61 3 32 3 1

Educational services ...................................... 59 6 30 3 2

Junior colleges, colleges, and universities 64 – 23 1 2

Health care and social assistance ................. 62 3 33 3 1

Leisure and hospitality ....................................... 53 – 40 7 –

Accommodation and food services ................ 53 – 39 8 –

Other services ................................................... 46 – 54 – –

1 to 99 workers ...................................................... 45 1 51 2 1

1 to 49 workers .................................................. 45 2 51 2 1

50 to 99 workers ................................................ 45 – 51 2 –

100 workers or more .............................................. 66 3 27 3 1

100 to 499 workers ............................................ 61 2 34 2 1

500 workers or more .......................................... 71 4 20 4 1

Geographic areas

New England ......................................................... 69 4 25 – –

Middle Atlantic ....................................................... 62 2 32 3 1

East North Central ................................................. 52 2 42 4 1

West North Central ................................................ 54 3 41 1 1

South Atlantic ........................................................ 61 2 34 2 1

East South Central ................................................ 55 – 36 6 –

West South Central ............................................... 61 2 33 2 2

Mountain ................................................................ 54 2 43 – –

Pacific .................................................................... 57 2 38 2 1

1 Less than 0.5 percent. 2 The percentile groupings are based on the average wage

for each occupation surveyed, which may include workers both

above and below the threshold. The percentile values are

based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not

equal totals. Dash indicates no workers in this category or data

did not meet publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 18. Standard errors for life insurance plans: Method of benefit payment, private

industry workers, National Compensation Survey, March 2009

Characteristics

Basic life insurance method of payment

Fixed

multiple of

earnings

Variable

multiple of

earnings

Flat dollar

amount

Variable

dollar

amount

Other

All workers ............................................................. 0.8 0.2 0.8 0.3 0.1

Worker characteristics

Management, professional, and related ................ 1.2 0.5 1.2 0.1 0.2

Management, business, and financial ............... 1.3 0.7 1.3 0.2 0.3

Professional and related .................................... 1.5 0.6 1.6 0.2 0.2

Service ................................................................... 3.1 0.3 3.5 1.0 1 ( )

Protective service .............................................. 6.0 – 6.2 – –

Sales and office ..................................................... 1.0 0.3 1.0 0.3 0.2

Sales and related ............................................... 1.5 0.3 1.7 0.3 0.3

Office and administrative support ...................... 1.2 0.4 1.2 0.3 0.2

Natural resources, construction, and maintenance 2.0 0.3 2.0 0.6 –

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.0 0.6 1.8 0.9 –

Installation, maintenance, and repair ................. 2.5 0.3 2.6 0.9 0.2

Production, transportation, and material moving ... 1.5 0.3 1.5 0.6 0.3

Production ......................................................... 2.1 0.2 2.1 0.7 0.5

Transportation and material moving .................. 1.8 – 2.2 0.8 –

Full time ................................................................. 0.8 0.3 0.8 0.3 0.1

Part time ................................................................ 2.3 0.3 2.4 0.5 0.8

Union ..................................................................... 1.9 0.5 1.9 0.7 0.3

Nonunion ............................................................... 0.8 0.3 0.9 0.3 0.1

Wage percentiles:2

Lowest 10 percent ............................................. 6.9 – 8.4 2.3 –

Lowest 25 percent ............................................. 2.4 0.2 2.9 0.9 –

Second 25 percent ............................................ 1.3 0.3 1.3 0.3 0.1

Third 25 percent ................................................ 1.1 0.2 1.1 0.3 0.2

Highest 25 percent ............................................ 1.0 0.5 1.0 0.3 0.3

Highest 10 percent ............................................ 1.6 0.8 1.7 0.2 0.4

Establishment characteristics

Goods-producing industries ................................... 1.4 0.4 1.4 0.5 0.3

Construction ...................................................... 1.8 – 1.9 0.6 –

Manufacturing .................................................... 1.7 0.4 1.8 0.6 0.3

Service-providing industries .................................. 0.8 0.3 0.9 0.3 0.2

Trade, transportation, and utilities ..................... 1.3 0.4 1.4 0.4 0.3

Wholesale trade ............................................. 2.3 0.8 2.3 0.8 –

Retail trade .................................................... 1.7 0.3 1.7 0.3 0.3

Transportation and warehousing ................... 2.8 – 3.3 – 1.1

Utilities ........................................................... 3.3 1.0 2.8 – –

See footnotes at end of table.
Table 18. Standard errors for life insurance plans: Method of benefit payment, private

industry workers, National Compensation Survey, March 2009—Continued

Characteristics

Basic life insurance method of payment

Fixed

multiple of

earnings

Variable

multiple of

earnings

Flat dollar

amount

Variable

dollar

amount

Other

Information ......................................................... 2.1 0.9 1.7 – –

Financial activities ............................................. 1.2 0.6 1.1 0.2 0.3

Finance and insurance .................................. 1.1 0.5 1.0 0.2 0.3

Credit intermediation and related activities 1.2 0.8 1.0 – 0.5

Insurance carriers and related activities .... 2.4 0.8 2.0 0.4 0.4

Real estate and rental and leasing ................ 5.4 – 5.1 – –

Professional and business services .................. 2.8 0.8 2.9 – –

Professional and technical services .............. 4.0 0.6 4.2 – –

Administrative and waste services ................ 5.3 – 5.4 – –

Education and health services ........................... 1.8 0.9 1.6 0.8 0.3

Educational services ...................................... 3.2 2.9 2.6 1.1 0.2

Junior colleges, colleges, and universities 3.8 – 2.6 0.4 0.2

Health care and social assistance ................. 2.1 0.9 1.9 0.9 0.3

Leisure and hospitality ....................................... 6.1 – 7.3 2.3 –

Accommodation and food services ................ 5.8 – 7.0 2.6 –

Other services ................................................... 4.8 – 4.8 – –

1 to 99 workers ...................................................... 1.5 0.3 1.5 0.3 0.2

1 to 49 workers .................................................. 1.8 0.3 1.8 0.4 0.2

50 to 99 workers ................................................ 2.0 – 2.1 0.6 –

100 workers or more .............................................. 0.9 0.4 1.0 0.4 0.2

100 to 499 workers ............................................ 1.5 0.4 1.6 0.5 0.3

500 workers or more .......................................... 1.3 0.7 1.3 0.6 0.3

Geographic areas

New England ......................................................... 2.8 1.3 3.6 – –

Middle Atlantic ....................................................... 2.4 0.7 3.1 0.8 0.5

East North Central ................................................. 1.3 0.5 1.5 0.6 0.1

West North Central ................................................ 2.5 0.7 2.2 0.3 0.2

South Atlantic ........................................................ 2.0 0.4 2.0 0.4 0.2

East South Central ................................................ 5.5 – 6.0 1.8 –

West South Central ............................................... 2.4 0.7 1.8 0.6 0.6

Mountain ................................................................ 3.1 0.3 3.0 – –

Pacific .................................................................... 2.0 1.0 1.7 0.7 0.2

1 Less than 0.05. 2 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above

and below the threshold. The percentile values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 19. Life insurance plans: Fixed multiple of earnings benefit formulas, private industry workers, 

National Compensation Survey, March 2009

(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)

Characteristics

Multiple of earnings amounts1

Mean

multiple of

earnings

Median

multiple of

earnings

Less than

1.0 times

earnings

1.0 times

earnings

Over 1.0

and under

2.0 times

earnings

2.0 times

earnings

Greater

than 2.0

times

earnings

All workers ............................................................. 1 60 12 24 3 1.3 1.0

Worker characteristics

Management, professional, and related ................ 1 56 12 27 4 1.4 1.0

Management, business, and financial ............... 1 52 13 29 6 1.4 1.0

Professional and related .................................... 1 58 11 26 3 1.4 1.0

Service ................................................................... 2 63 18 16 1 1.3 1.0

Protective service .............................................. – 53 – – – 1.4 –

Sales and office ..................................................... 1 64 9 22 4 1.3 1.0

Sales and related ............................................... 1 72 7 17 3 1.2 1.0

Office and administrative support ...................... 1 61 10 24 4 1.4 1.0

Natural resources, construction, and maintenance 2 63 9 25 2 1.3 1.0

Construction, extraction, farming, fishing, and

forestry ............................................................. – 51 7 42 – 1.5 –

Installation, maintenance, and repair ................. 2 66 9 21 2 1.3 1.0

Production, transportation, and material moving ... 1 58 16 24 2 1.3 1.0

Production ......................................................... – 52 15 30 2 1.4 1.0

Transportation and material moving .................. 1 64 16 17 1 1.3 1.0

Full time ................................................................. 1 60 12 24 3 1.4 1.0

Part time ................................................................ 1 69 9 17 3 1.3 1.0

Union ..................................................................... 2 63 9 23 3 1.3 1.0

Nonunion ............................................................... 1 60 12 24 3 1.4 1.0

Wage percentiles:2

Lowest 10 percent ............................................. – 60 21 – – 1.3 1.0

Lowest 25 percent ............................................. – 68 15 15 2 1.3 1.0

Second 25 percent ............................................ 1 65 12 19 2 1.3 1.0

Third 25 percent ................................................ 1 58 13 24 3 1.4 1.0

Highest 25 percent ............................................ 1 56 10 29 4 1.4 1.0

Highest 10 percent ............................................ 1 51 11 32 5 1.4 1.0

Establishment characteristics

Goods-producing industries ................................... 1 49 14 31 6 1.5 –

Construction ...................................................... – 67 – 26 – 1.3 1.0

Manufacturing .................................................... 1 48 15 31 6 1.5 –

Service-providing industries .................................. 1 62 11 22 3 1.3 1.0

Trade, transportation, and utilities ..................... 1 67 11 19 3 1.3 1.0

Wholesale trade ............................................. – 48 18 27 6 1.5 1.5

Retail trade .................................................... – 84 6 9 1 1.1 1.0

Transportation and warehousing ................... 2 64 14 19 – 1.3 1.0

Utilities ........................................................... 2 38 6 49 6 1.7 2.0

See footnotes at end of table.
Table 19. Life insurance plans: Fixed multiple of earnings benefit formulas, private industry workers, 

National Compensation Survey, March 2009—Continued

(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)

Characteristics

Multiple of earnings amounts1

Mean

multiple of

earnings

Median

multiple of

earnings

Less than

1.0 times

earnings

1.0 times

earnings

Over 1.0

and under

2.0 times

earnings

2.0 times

earnings

Greater

than 2.0

times

earnings

Information ......................................................... – 67 5 24 4 1.3 1.0

Financial activities ............................................. 1 60 6 27 6 1.4 1.0

Finance and insurance .................................. 1 59 5 27 7 1.4 1.0

Credit intermediation and related activities 1 56 6 30 8 1.5 1.0

Insurance carriers and related activities .... 2 65 4 23 5 1.3 1.0

Real estate and rental and leasing ................ – 63 – 27 – 1.3 1.0

Professional and business services .................. – 51 13 34 2 1.5 –

Professional and technical services .............. – 51 10 35 3 1.5 –

Administrative and waste services ................ – 50 – 31 – 1.4 –

Education and health services ........................... 2 68 12 16 1 1.2 1.0

Educational services ...................................... 5 59 14 18 4 1.3 1.0

Junior colleges, colleges, and universities 7 54 14 20 5 1.3 1.0

Health care and social assistance ................. 2 70 12 15 1 1.2 1.0

Leisure and hospitality ....................................... – 61 28 11 – 1.2 1.0

Accommodation and food services ................ – 60 32 7 – 1.2 1.0

Other services ................................................... 5 44 – 30 – 1.5 –

1 to 99 workers ...................................................... 1 59 12 24 4 1.4 1.0

1 to 49 workers .................................................. 1 58 12 25 4 1.4 1.0

50 to 99 workers ................................................ 1 61 12 24 3 1.4 1.0

100 workers or more .............................................. 1 61 12 23 3 1.3 1.0

100 to 499 workers ............................................ – 62 13 22 2 1.3 1.0

500 workers or more .......................................... 2 59 11 24 4 1.3 1.0

Geographic areas

New England ......................................................... 3 67 6 21 3 1.3 1.0

Middle Atlantic ....................................................... 3 59 14 21 3 1.3 1.0

East North Central ................................................. – 54 15 27 3 1.4 1.0

West North Central ................................................ – 62 10 21 6 1.4 1.0

South Atlantic ........................................................ 1 64 11 22 2 1.3 1.0

East South Central ................................................ – 58 19 20 – 1.3 1.0

West South Central ............................................... – 59 10 28 2 1.4 1.0

Mountain ................................................................ – 65 12 20 3 1.3 1.0

Pacific .................................................................... 1 57 10 27 5 1.4 1.0

1 Includes participants in plans in which insurance equaled a multiple of

earnings plus or minus a specified amount. Includes multiple of earnings not

shown separately. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals.

Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 19. Standard errors for life insurance plans: Fixed multiple of earnings benefit formulas, private

industry workers, National Compensation Survey, March 2009

Characteristics

Multiple of earnings amounts1

Mean

multiple of

earnings

Median

multiple of

earnings

Less than

1.0 times

earnings

1.0 times

earnings

Over 1.0

and under

2.0 times

earnings

2.0 times

earnings

Greater

than 2.0

times

earnings

All workers ............................................................. 0.1 0.9 0.8 0.9 0.2 0.0 0.0

Worker characteristics

Management, professional, and related ................ 0.2 1.5 0.9 1.4 0.4 0.0 0.0

Management, business, and financial ............... 0.1 1.9 1.6 1.7 0.6 0.0 0.0

Professional and related .................................... 0.4 1.8 0.9 1.7 0.5 0.0 0.0

Service ................................................................... 0.5 2.3 3.0 2.4 0.4 0.0 0.0

Protective service .............................................. – 9.5 – – – 0.1 –

Sales and office ..................................................... 0.1 1.1 0.8 0.9 0.4 0.0 0.0

Sales and related ............................................... 0.2 2.1 1.0 1.7 0.7 0.0 0.0

Office and administrative support ...................... 0.1 1.4 1.0 1.2 0.4 0.0 0.0

Natural resources, construction, and maintenance 0.5 2.7 1.5 2.5 0.6 0.0 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................. – 7.4 2.4 6.7 – 0.1 –

Installation, maintenance, and repair ................. 0.7 2.7 1.8 2.2 0.8 0.0 0.0

Production, transportation, and material moving ... 0.3 1.8 1.5 1.5 0.5 0.0 0.0

Production ......................................................... – 2.7 2.1 2.5 0.7 0.0 0.0

Transportation and material moving .................. 0.4 2.5 2.0 1.6 0.4 0.0 0.0

Full time ................................................................. 0.1 0.9 0.8 0.9 0.2 0.0 0.0

Part time ................................................................ 0.3 3.4 2.3 2.7 0.9 0.0 0.0

Union ..................................................................... 0.3 2.4 1.6 2.2 0.5 0.0 0.0

Nonunion ............................................................... 0.2 1.0 0.8 1.0 0.3 0.0 0.0

Wage percentiles:2

Lowest 10 percent ............................................. – 7.5 5.1 – – 0.1 0.0

Lowest 25 percent ............................................. – 2.6 2.3 2.4 0.6 0.0 0.0

Second 25 percent ............................................ 0.2 1.4 1.1 1.2 0.3 0.0 0.0

Third 25 percent ................................................ 0.3 1.2 1.1 1.2 0.4 0.0 0.0

Highest 25 percent ............................................ 0.1 1.4 0.8 1.3 0.4 0.0 0.0

Highest 10 percent ............................................ 0.2 1.7 1.1 1.6 0.4 0.0 0.0

Establishment characteristics

Goods-producing industries ................................... 0.3 2.5 1.5 2.3 0.7 0.0 –

Construction ...................................................... – 6.2 – 5.7 – 0.1 0.0

Manufacturing .................................................... 0.3 2.6 1.7 2.3 0.8 0.0 –

Service-providing industries .................................. 0.2 1.0 0.9 0.9 0.3 0.0 0.0

Trade, transportation, and utilities ..................... 0.2 1.5 1.0 1.3 0.4 0.0 0.0

Wholesale trade ............................................. – 3.2 2.5 3.5 1.6 0.0 0.4

Retail trade .................................................... – 1.6 1.0 1.3 0.4 0.0 0.0

Transportation and warehousing ................... 0.4 3.8 3.3 2.9 – 0.0 0.0

Utilities ........................................................... 0.5 6.1 1.8 6.7 1.8 0.1 0.3

See footnotes at end of table.
Table 19. Standard errors for life insurance plans: Fixed multiple of earnings benefit formulas, private

industry workers, National Compensation Survey, March 2009—Continued

Characteristics

Multiple of earnings amounts1

Mean

multiple of

earnings

Median

multiple of

earnings

Less than

1.0 times

earnings

1.0 times

earnings

Over 1.0

and under

2.0 times

earnings

2.0 times

earnings

Greater

than 2.0

times

earnings

Information ......................................................... – 3.9 1.3 3.8 1.6 0.0 0.0

Financial activities ............................................. 0.3 1.7 0.9 1.6 0.6 0.0 0.0

Finance and insurance .................................. 0.4 1.7 0.7 1.7 0.6 0.0 0.0

Credit intermediation and related activities 0.3 2.4 0.9 2.3 0.9 0.0 0.0

Insurance carriers and related activities .... 0.9 3.4 1.5 2.6 1.3 0.0 0.0

Real estate and rental and leasing ................ – 8.5 – 7.8 – 0.1 0.0

Professional and business services .................. – 3.2 1.9 2.8 0.9 0.0 –

Professional and technical services .............. – 3.9 2.0 3.8 1.3 0.0 –

Administrative and waste services ................ – 8.1 – 8.5 – 0.1 –

Education and health services ........................... 0.5 2.6 2.1 1.9 0.3 0.0 0.0

Educational services ...................................... 0.9 2.9 2.1 2.2 0.5 0.0 0.0

Junior colleges, colleges, and universities 1.3 2.4 1.4 2.2 0.7 0.0 0.0

Health care and social assistance ................. 0.5 2.9 2.5 2.2 0.3 0.0 0.0

Leisure and hospitality ....................................... – 3.9 3.5 1.8 – 0.0 0.0

Accommodation and food services ................ – 4.5 4.5 2.2 – 0.0 0.0

Other services ................................................... 2.3 6.2 – 6.4 – 0.1 –

1 to 99 workers ...................................................... 0.2 2.3 1.0 2.0 0.5 0.0 0.0

1 to 49 workers .................................................. 0.3 2.6 1.4 2.3 0.7 0.0 0.0

50 to 99 workers ................................................ 0.3 3.7 1.7 3.4 0.7 0.0 0.0

100 workers or more .............................................. 0.2 1.2 1.1 1.1 0.3 0.0 0.0

100 to 499 workers ............................................ – 2.0 1.8 1.1 0.4 0.0 0.0

500 workers or more .......................................... 0.3 2.0 1.4 1.9 0.4 0.0 0.0

Geographic areas

New England ......................................................... 0.7 5.0 1.3 4.0 0.3 0.0 0.0

Middle Atlantic ....................................................... 0.7 1.7 3.4 3.5 0.3 0.0 0.0

East North Central ................................................. – 2.6 1.5 2.1 0.5 0.0 0.0

West North Central ................................................ – 3.6 2.1 3.5 1.2 0.0 0.0

South Atlantic ........................................................ 0.1 2.0 1.9 1.2 0.5 0.0 0.0

East South Central ................................................ – 4.0 4.6 5.3 – 0.1 0.0

West South Central ............................................... – 2.6 1.5 2.0 0.6 0.0 0.0

Mountain ................................................................ – 2.5 1.9 2.5 1.1 0.0 0.0

Pacific .................................................................... 0.3 2.5 1.1 2.5 0.9 0.0 0.0

1 Includes participants in plans in which insurance equaled a multiple of earnings plus or minus a specified amount. Includes multiple of earnings not shown

separately. 2 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the threshold. The

percentile values are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical

Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 20. Life insurance plans: Flat-dollar amount benefit formulas,1 private industry

workers, National Compensation Survey, March 2009

(Includes workers participating in life insurance plans with flat-dollar amount formulas)

Characteristics

Flat dollar amounts2

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. $7,500 $10,000 $15,000 $25,000 $50,000

Worker characteristics

Management, professional, and related ................ 10,000 10,000 20,000 50,000 50,000

Management, business, and financial ............... 10,000 10,000 20,000 40,000 50,000

Professional and related .................................... 10,000 10,000 20,000 50,000 50,000

Service ................................................................... 5,000 10,000 10,000 20,000 30,000

Protective service .............................................. 5,000 5,000 5,000 10,000 10,000

Sales and office ..................................................... 10,000 10,000 15,000 25,000 50,000

Sales and related ............................................... 5,000 10,000 15,000 20,000 50,000

Office and administrative support ...................... 10,000 10,000 20,000 25,000 50,000

Natural resources, construction, and maintenance 10,000 10,000 15,000 25,000 50,000

Construction, extraction, farming, fishing, and

forestry ............................................................. 5,000 10,000 15,000 25,000 50,000

Installation, maintenance, and repair ................. 10,000 10,000 15,000 25,000 50,000

Production, transportation, and material moving ... 10,000 10,000 15,000 25,000 46,000

Production ......................................................... 10,000 10,000 20,000 25,000 46,000

Transportation and material moving .................. 6,000 10,000 15,000 25,000 46,000

Full time ................................................................. 10,000 10,000 15,000 25,000 50,000

Part time ................................................................ 5,000 5,000 10,000 20,000 25,000

Union ..................................................................... 5,000 10,000 15,000 29,000 50,000

Nonunion ............................................................... 10,000 10,000 15,000 25,000 50,000

Establishment characteristics

Goods-producing industries ................................... 10,000 10,000 20,000 25,000 50,000

Construction ...................................................... 5,000 10,000 15,000 25,000 50,000

Manufacturing .................................................... 10,000 10,000 20,000 25,000 50,000

Service-providing industries .................................. 5,000 10,000 15,000 25,000 50,000

Trade, transportation, and utilities ..................... 5,000 10,000 15,000 25,000 40,000

Wholesale trade ............................................. 10,000 10,000 20,000 25,000 40,000

Retail trade .................................................... 5,000 10,000 10,000 20,000 25,000

Transportation and warehousing ................... 10,000 10,000 15,000 25,000 50,000

Utilities ........................................................... 10,000 10,000 15,000 45,000 50,000

Information ......................................................... 1,000 10,000 15,000 25,000 50,000

Financial activities ............................................. 10,000 15,000 25,000 50,000 50,000

Finance and insurance .................................. 10,000 15,000 25,000 50,000 50,000

Credit intermediation and related activities 10,000 20,000 30,000 50,000 50,000

Insurance carriers and related activities .... 10,000 15,000 20,000 50,000 50,000

Real estate and rental and leasing ................ 10,000 10,000 20,000 25,000 40,000

See footnotes at end of table.
Table 20. Life insurance plans: Flat-dollar amount benefit formulas,1 private industry

workers, National Compensation Survey, March 2009—Continued

(Includes workers participating in life insurance plans with flat-dollar amount formulas)

Characteristics

Flat dollar amounts2

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Professional and business services .................. $5,000 $10,000 $20,000 $25,000 $50,000

Professional and technical services .............. 15,000 15,000 25,000 50,000 100,000

Administrative and waste services ................ 5,000 5,000 10,000 20,000 25,000

Education and health services ........................... 5,000 10,000 15,000 25,000 50,000

Educational services ...................................... 10,000 15,000 25,000 50,000 50,000

Junior colleges, colleges, and universities 5,000 10,000 20,000 50,000 50,000

Health care and social assistance ................. 5,000 10,000 15,000 25,000 50,000

Leisure and hospitality ....................................... 10,000 10,000 10,000 20,000 30,000

Accommodation and food services ................ 10,000 10,000 10,000 20,000 35,000

Other services ................................................... 10,000 10,000 15,000 30,000 50,000

1 to 99 workers ...................................................... 10,000 10,000 15,000 25,000 50,000

1 to 49 workers .................................................. 10,000 10,000 15,000 25,000 50,000

50 to 99 workers ................................................ 8,000 10,000 15,000 25,000 50,000

100 workers or more .............................................. 5,000 10,000 15,000 25,000 50,000

100 to 499 workers ............................................ 8,000 10,000 15,000 25,000 50,000

500 workers or more .......................................... 5,000 10,000 15,000 30,000 50,000

Geographic areas

New England ......................................................... 8,000 10,000 20,000 50,000 50,000

Middle Atlantic ....................................................... 6,000 10,000 20,000 30,000 50,000

East North Central ................................................. 5,000 10,000 15,000 25,000 50,000

West North Central ................................................ 5,000 10,000 20,000 25,000 50,000

South Atlantic ........................................................ 5,000 10,000 15,000 25,000 50,000

East South Central ................................................ 10,000 10,000 15,000 25,000 50,000

West South Central ............................................... 10,000 10,000 15,000 25,000 50,000

Mountain ................................................................ 10,000 10,000 15,000 25,000 50,000

Pacific .................................................................... 5,000 10,000 15,000 25,000 50,000

1 Includes participants in plans providing a fixed benefit

amount. Dollar amounts can be a flat amount or can vary by the

employee’s earnings or length of service. 2 The 10th, 25th, 50th, 75th, and 90th percentiles designate

position within each published series. For example, at the 50th

percentile or median, half of participating workers receive the

same as or more than the amount shown, and half receive the

same as or less than the amount shown. At the 25th percentile,

one-fourth of participating workers receive the same or less

than the amount shown. The remaining percentiles follow the

same logic.

NOTE: For definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 20. Standard errors for life insurance plans: Flat-dollar amount benefit formulas,1

private industry workers, National Compensation Survey, March 2009

Characteristics

Flat dollar amounts2

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. $2,345.68 $0.00 $0.00 $0.00 $0.00

Worker characteristics

Management, professional, and related ................ 644.05 0.00 0.00 11,389.05 1,874.46

Management, business, and financial ............... 0.00 1,027.28 0.00 19,019.20 0.00

Professional and related .................................... 5,868.09 0.00 0.00 11,210.91 34,115.69

Service ................................................................... 0.00 541.11 0.00 1,361.76 7,514.09

Protective service .............................................. 0.00 0.00 6,149.80 0.00 4,348.56

Sales and office ..................................................... 2,793.19 0.00 1,241.07 0.00 0.00

Sales and related ............................................... 0.00 0.00 0.00 7,572.32 2,209.07

Office and administrative support ...................... 0.00 639.30 2,623.71 3,306.24 0.00

Natural resources, construction, and maintenance 2,036.66 0.00 0.00 0.00 2,209.07

Construction, extraction, farming, fishing, and

forestry ............................................................. 2,407.28 0.00 0.00 0.00 0.00

Installation, maintenance, and repair ................. 0.00 0.00 0.00 0.00 11,523.49

Production, transportation, and material moving ... 2,509.02 0.00 1,829.17 0.00 6,451.85

Production ......................................................... 1,171.54 0.00 1,732.40 0.00 5,917.26

Transportation and material moving .................. 4,256.41 0.00 0.00 0.00 9,748.74

Full time ................................................................. 312.41 0.00 0.00 0.00 0.00

Part time ................................................................ 0.00 0.00 0.00 6,926.07 7,926.54

Union ..................................................................... 0.00 441.81 1,675.11 3,811.05 4,292.09

Nonunion ............................................................... 0.00 0.00 0.00 0.00 0.00

Establishment characteristics

Goods-producing industries ................................... 0.00 0.00 1,352.77 0.00 0.00

Construction ...................................................... 3,230.65 0.00 0.00 0.00 4,132.80

Manufacturing .................................................... 0.00 2,456.20 0.00 557.76 1,530.49

Service-providing industries .................................. 1,099.00 0.00 0.00 0.00 0.00

Trade, transportation, and utilities ..................... 0.00 0.00 0.00 3,425.84 8,484.10

Wholesale trade ............................................. 0.00 3,488.48 2,568.19 0.00 13,115.64

Retail trade .................................................... 0.00 0.00 0.00 0.00 2,776.76

Transportation and warehousing ................... 6,100.00 0.00 0.00 13,797.42 0.00

Utilities ........................................................... 0.00 0.00 14,808.61 20,336.67 0.00

Information ......................................................... 9,001.80 781.02 1,562.05 1,104.54 26,076.64

Financial activities ............................................. 0.00 0.00 1,913.11 0.00 0.00

Finance and insurance .................................. 0.00 0.00 4,205.95 0.00 0.00

Credit intermediation and related activities 1,352.77 6,808.82 16,732.90 0.00 16,308.28

Insurance carriers and related activities .... 4,678.33 4,586.15 4,058.32 0.00 0.00

Real estate and rental and leasing ................ 0.00 6,345.08 2,209.07 3,313.61 4,132.80

See footnotes at end of table.
Table 20. Standard errors for life insurance plans: Flat-dollar amount benefit formulas,1

private industry workers, National Compensation Survey, March 2009—Continued

Characteristics

Flat dollar amounts2

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Professional and business services .................. $1,306.90 $0.00 $4,486.65 $16,308.28 $0.00

Professional and technical services .............. 5,948.11 3,124.10 2,343.07 3,124.10 68,088.18

Administrative and waste services ................ 0.00 1,306.90 0.00 6,581.03 6,487.68

Education and health services ........................... 1,528.50 0.00 0.00 0.00 0.00

Educational services ...................................... 0.00 4,034.20 2,590.37 1,562.05 0.00

Junior colleges, colleges, and universities 7,072.48 0.00 0.00 9,817.33 0.00

Health care and social assistance ................. 1,003.24 0.00 676.39 3,905.12 5,253.81

Leisure and hospitality ....................................... 541.11 0.00 0.00 6,392.96 9,629.12

Accommodation and food services ................ 765.25 0.00 0.00 7,242.93 12,857.29

Other services ................................................... 5,632.05 0.00 781.02 22,035.43 0.00

1 to 99 workers ...................................................... 2,596.25 0.00 0.00 0.00 0.00

1 to 49 workers .................................................. 2,599.77 0.00 0.00 0.00 0.00

50 to 99 workers ................................................ 3,196.48 0.00 0.00 156.20 10,069.17

100 workers or more .............................................. 1,427.38 0.00 1,722.24 0.00 0.00

100 to 499 workers ............................................ 2,755.81 0.00 3,314.53 0.00 0.00

500 workers or more .......................................... 0.00 0.00 3,131.90 4,195.06 0.00

Geographic areas

New England ......................................................... 3,771.63 2,479.68 0.00 0.00 0.00

Middle Atlantic ....................................................... 4,422.97 0.00 1,104.54 1,640.15 0.00

East North Central ................................................. 3,800.63 0.00 0.00 0.00 11,469.11

West North Central ................................................ 7,072.48 0.00 6,226.81 5,393.03 0.00

South Atlantic ........................................................ 5,641.79 0.00 0.00 2,164.44 0.00

East South Central ................................................ 0.00 0.00 0.00 962.91 20,944.87

West South Central ............................................... 0.00 0.00 0.00 0.00 8,519.98

Mountain ................................................................ 390.51 0.00 4,058.32 0.00 10,680.36

Pacific .................................................................... 0.00 0.00 0.00 0.00 0.00

1 Includes participants in plans providing a fixed benefit amount. Dollar amounts can be a flat amount or can vary by the

employee’s earnings or length of service. 2 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th

percentile or median, half of participating workers receive the same as or more than the amount shown, and half receive the same as

or less than the amount shown. At the 25th percentile, one-fourth of participating workers receive the same or less than the amount

shown. The remaining percentiles follow the same logic.

NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 21. Short-term disability plans: Method of funding, private industry

workers, National Compensation Survey, March 2009

(All workers with short-term disability coverage = 100 percent)

Characteristics

Noncommercially

insured1

Commercially

insured

Legally

required Other

All workers ............................................................. 45 36 16 2

Worker characteristics

Management, professional, and related ................ 51 34 14 2

Management, business, and financial ............... 52 34 11 2

Professional and related .................................... 49 34 15 2

Service ................................................................... 31 36 32 1

Protective service .............................................. 25 38 36 –

Sales and office ..................................................... 49 33 18 1

Sales and related ............................................... 50 29 20 1

Office and administrative support ...................... 48 34 17 1

Natural resources, construction, and maintenance 39 40 15 7

Construction, extraction, farming, fishing, and

forestry ............................................................. 24 45 19 12

Installation, maintenance, and repair ................. 48 36 12 3

Production, transportation, and material moving ... 44 42 11 3

Production ......................................................... 46 42 9 3

Transportation and material moving .................. 41 42 14 3

Full time ................................................................. 46 37 14 2

Part time ................................................................ 36 20 43 1

Union ..................................................................... 44 34 15 7

Nonunion ............................................................... 46 36 17 1

Wage percentiles:2

Lowest 10 percent ............................................. 34 24 41 –

Lowest 25 percent ............................................. 36 32 31 1

Second 25 percent ............................................ 42 41 16 1

Third 25 percent ................................................ 44 39 14 3

Highest 25 percent ............................................ 52 32 14 3

Highest 10 percent ............................................ 54 30 13 3

Establishment characteristics

Goods-producing industries ................................... 47 40 9 4

Construction ...................................................... 17 44 27 12

Manufacturing .................................................... 52 39 7 3

Service-providing industries .................................. 45 35 19 2

Trade, transportation, and utilities ..................... 49 30 19 2

Wholesale trade ............................................. 48 35 16 –

Retail trade .................................................... 51 25 22 2

Transportation and warehousing ................... 45 37 – –

Utilities ........................................................... 63 21 – –

See footnotes at end of table.
Table 21. Short-term disability plans: Method of funding, private industry

workers, National Compensation Survey, March 2009—Continued

(All workers with short-term disability coverage = 100 percent)

Characteristics

Noncommercially

insured1

Commercially

insured

Legally

required Other

Information ......................................................... 65 25 9 –

Financial activities ............................................. 64 27 9 –

Finance and insurance .................................. 69 24 7 –

Credit intermediation and related activities 73 21 6 –

Insurance carriers and related activities .... 63 30 6 –

Real estate and rental and leasing ................ 29 47 – –

Professional and business services .................. 36 44 19 2

Professional and technical services .............. 36 45 18 –

Administrative and waste services ................ 24 50 26 –

Education and health services ........................... 35 41 21 3

Educational services ...................................... 53 26 20 –

Junior colleges, colleges, and universities 69 24 7 –

Health care and social assistance ................. 31 44 22 3

Leisure and hospitality ....................................... – 34 – –

Accommodation and food services ................ – 31 – –

Other services ................................................... 15 35 50 –

1 to 99 workers ...................................................... 30 40 28 2

1 to 49 workers .................................................. 28 40 30 2

50 to 99 workers ................................................ 33 40 25 2

100 workers or more .............................................. 54 34 10 2

100 to 499 workers ............................................ 48 38 12 2

500 workers or more .......................................... 60 30 7 2

Geographic areas

New England ......................................................... 48 49 – –

Middle Atlantic ....................................................... 20 23 55 1

East North Central ................................................. 59 37 – 4

West North Central ................................................ 59 38 – 4

South Atlantic ........................................................ 54 44 – 1

East South Central ................................................ 56 43 – –

West South Central ............................................... 59 39 – 2

Mountain ................................................................ 54 41 – –

Pacific .................................................................... 44 40 14 2

1 Employer assumes all risks and expenses of

providing the benefit. 2 The percentile groupings are based on the average

wage for each occupation surveyed, which may include

workers both above and below the threshold. The

percentile values are based on the estimates published in

the "National Compensation Survey: Occupational Earnings

in the United States, 2008." See Technical Note for more

details.

NOTE: Because of rounding, sums of individual items may

not equal totals. Dash indicates no workers in this category

or data did not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 21. Standard errors for short-term disability plans: Method of funding,

private industry workers, National Compensation Survey, March 2009

Characteristics

Noncommercially

insured1

Commericially

insured

Legally

required Other

All workers ............................................................. 1.3 1.0 1.2 0.2

Worker characteristics

Management, professional, and related ................ 1.8 1.6 1.5 0.5

Management, business, and financial ............... 2.5 2.1 1.7 0.6

Professional and related .................................... 1.8 2.0 1.6 0.4

Service ................................................................... 4.9 3.1 4.9 0.3

Protective service .............................................. 5.5 11.2 10.4 –

Sales and office ..................................................... 1.5 1.4 1.1 0.2

Sales and related ............................................... 2.6 2.0 1.8 0.5

Office and administrative support ...................... 1.7 1.6 1.2 0.3

Natural resources, construction, and maintenance 2.2 2.4 1.5 1.3

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.7 4.6 3.3 2.6

Installation, maintenance, and repair ................. 2.7 2.4 1.5 0.8

Production, transportation, and material moving ... 1.7 1.7 1.0 0.5

Production ......................................................... 2.2 2.2 1.0 0.7

Transportation and material moving .................. 2.3 2.4 2.0 0.8

Full time ................................................................. 1.1 1.0 0.6 0.3

Part time ................................................................ 5.5 2.9 7.2 0.4

Union ..................................................................... 2.3 2.1 2.9 1.1

Nonunion ............................................................... 1.2 1.0 0.9 0.2

Wage percentiles:2

Lowest 10 percent ............................................. 9.7 5.2 10.1 –

Lowest 25 percent ............................................. 4.5 3.2 4.4 0.4

Second 25 percent ............................................ 1.6 1.5 0.8 0.3

Third 25 percent ................................................ 1.5 1.2 1.3 0.4

Highest 25 percent ............................................ 1.7 1.6 1.0 0.5

Highest 10 percent ............................................ 2.1 2.2 1.4 0.8

Establishment characteristics

Goods-producing industries ................................... 1.9 1.8 1.1 0.6

Construction ...................................................... 2.5 4.0 3.9 2.6

Manufacturing .................................................... 2.0 1.9 0.8 0.5

Service-providing industries .................................. 1.5 1.2 1.5 0.3

Trade, transportation, and utilities ..................... 1.5 1.4 1.0 0.5

Wholesale trade ............................................. 3.2 3.2 1.7 –

Retail trade .................................................... 2.2 1.9 2.0 0.6

Transportation and warehousing ................... 3.2 4.1 – –

Utilities ........................................................... 5.1 3.3 – –

See footnotes at end of table.
Table 21. Standard errors for short-term disability plans: Method of funding,

private industry workers, National Compensation Survey, March

2009—Continued

Characteristics

Noncommercially

insured1

Commericially

insured

Legally

required Other

Information ......................................................... 3.5 3.0 2.0 –

Financial activities ............................................. 2.1 2.3 0.8 –

Finance and insurance .................................. 2.1 2.2 0.6 –

Credit intermediation and related activities 1.9 1.8 0.7 –

Insurance carriers and related activities .... 4.2 4.5 1.5 –

Real estate and rental and leasing ................ 5.8 7.2 – –

Professional and business services .................. 3.1 3.5 2.4 0.8

Professional and technical services .............. 3.9 4.9 4.5 –

Administrative and waste services ................ 6.5 5.8 3.5 –

Education and health services ........................... 2.2 2.3 1.1 0.9

Educational services ...................................... 3.2 5.1 3.2 –

Junior colleges, colleges, and universities 3.4 3.0 1.0 –

Health care and social assistance ................. 2.4 2.6 1.6 1.1

Leisure and hospitality ....................................... – 5.8 – –

Accommodation and food services ................ – 5.7 – –

Other services ................................................... 4.0 7.3 8.2 –

1 to 99 workers ...................................................... 1.3 2.0 2.1 0.3

1 to 49 workers .................................................. 1.5 2.1 2.0 0.4

50 to 99 workers ................................................ 2.2 3.0 3.0 0.4

100 workers or more .............................................. 1.4 1.3 0.6 0.4

100 to 499 workers ............................................ 1.7 1.7 0.9 0.5

500 workers or more .......................................... 1.9 1.8 0.9 0.5

Geographic areas

New England ......................................................... 3.8 3.8 – –

Middle Atlantic ....................................................... 1.9 1.2 2.7 0.2

East North Central ................................................. 2.2 2.3 – 0.8

West North Central ................................................ 3.0 1.8 – 1.8

South Atlantic ........................................................ 2.3 2.4 – 0.5

East South Central ................................................ 10.1 9.7 – –

West South Central ............................................... 2.6 2.4 – 0.7

Mountain ................................................................ 4.1 3.9 – –

Pacific .................................................................... 4.1 4.1 2.3 0.5

1 Employer assumes all risks and expenses of providing the benefit. 2 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers

both above and below the threshold. The percentile values are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 22. Short-term disability plans: Employee contribution

requirement, private industry workers, National Compensation

Survey, March 2009

(All workers with short-term disability coverage = 100 percent)

Characteristics

Employee

contribution

required

Employee

contribution not

required

All workers ............................................................. 20 80

Worker characteristics

Management, professional, and related ................ 16 84

Management, business, and financial ............... 14 86

Professional and related .................................... 16 84

Service ................................................................... 38 62

Sales and office ..................................................... 20 80

Sales and related ............................................... 23 77

Office and administrative support ...................... 18 82

Natural resources, construction, and maintenance 20 80

Construction, extraction, farming, fishing, and

forestry ............................................................. 17 83

Installation, maintenance, and repair ................. 23 77

Production, transportation, and material moving ... 17 83

Production ......................................................... 15 85

Transportation and material moving .................. 20 80

Full time ................................................................. 18 82

Part time ................................................................ 38 62

Union ..................................................................... 16 84

Nonunion ............................................................... 21 79

Wage percentiles:1

Lowest 10 percent ............................................. 57 43

Lowest 25 percent ............................................. 39 61

Second 25 percent ............................................ 21 79

Third 25 percent ................................................ 17 83

Highest 25 percent ............................................ 15 85

Highest 10 percent ............................................ 13 87

Establishment characteristics

Goods-producing industries ................................... 13 87

Construction ...................................................... 24 76

Manufacturing .................................................... 12 88

Service-providing industries .................................. 22 78

Trade, transportation, and utilities ..................... 21 79

Wholesale trade ............................................. 16 84

Retail trade .................................................... 28 72

Transportation and warehousing ................... 14 86

Utilities ........................................................... 13 87

See footnotes at end of table.
Table 22. Short-term disability plans: Employee contribution

requirement, private industry workers, National Compensation

Survey, March 2009—Continued

(All workers with short-term disability coverage = 100 percent)

Characteristics

Employee

contribution

required

Employee

contribution not

required

Information ......................................................... 15 85

Financial activities ............................................. 8 92

Finance and insurance .................................. 8 92

Credit intermediation and related activities 7 93

Insurance carriers and related activities .... 7 93

Professional and business services .................. 18 82

Professional and technical services .............. 14 86

Administrative and waste services ................ 32 68

Education and health services ........................... 25 75

Educational services ...................................... 26 74

Junior colleges, colleges, and universities 12 88

Health care and social assistance ................. 25 75

Leisure and hospitality ....................................... 51 49

Accommodation and food services ................ 54 46

Other services ................................................... 55 45

1 to 99 workers ...................................................... 29 71

1 to 49 workers .................................................. 30 70

50 to 99 workers ................................................ 25 75

100 workers or more .............................................. 15 85

100 to 499 workers ............................................ 17 83

500 workers or more .......................................... 14 86

Geographic areas

New England ......................................................... 9 91

Middle Atlantic ....................................................... 48 52

East North Central ................................................. 7 93

West North Central ................................................ 6 94

South Atlantic ........................................................ 8 92

West South Central ............................................... 7 93

Mountain ................................................................ 4 96

Pacific .................................................................... 13 87

1 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and below

the threshold. The percentile values are based on

the estimates published in the "National

Compensation Survey: Occupational Earnings in

the United States, 2008." See Technical Note for

more details.

NOTE: Because of rounding, sums of individual

items may not equal totals. For definitions of major

plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 22. Standard errors for short-term disability plans: Employee

contribution requirement, private industry workers, National

Compensation Survey, March 2009

Characteristics

Employee

contribution

required

Employee

contribution not

required

All workers ............................................................. 1.2 1.2

Worker characteristics

Management, professional, and related ................ 0.8 0.8

Management, business, and financial ............... 1.0 1.0

Professional and related .................................... 1.0 1.0

Service ................................................................... 4.4 4.4

Sales and office ..................................................... 1.3 1.3

Sales and related ............................................... 1.7 1.7

Office and administrative support ...................... 1.4 1.4

Natural resources, construction, and maintenance 2.7 2.7

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.5 2.5

Installation, maintenance, and repair ................. 3.7 3.7

Production, transportation, and material moving ... 1.3 1.3

Production ......................................................... 1.4 1.4

Transportation and material moving .................. 2.2 2.2

Full time ................................................................. 1.1 1.1

Part time ................................................................ 6.0 6.0

Union ..................................................................... 2.3 2.3

Nonunion ............................................................... 1.1 1.1

Wage percentiles:1

Lowest 10 percent ............................................. 7.6 7.6

Lowest 25 percent ............................................. 4.0 4.0

Second 25 percent ............................................ 1.3 1.3

Third 25 percent ................................................ 0.9 0.9

Highest 25 percent ............................................ 0.9 0.9

Highest 10 percent ............................................ 0.8 0.8

Establishment characteristics

Goods-producing industries ................................... 1.1 1.1

Construction ...................................................... 3.2 3.2

Manufacturing .................................................... 1.2 1.2

Service-providing industries .................................. 1.5 1.5

Trade, transportation, and utilities ..................... 1.3 1.3

Wholesale trade ............................................. 1.7 1.7

Retail trade .................................................... 2.7 2.7

Transportation and warehousing ................... 2.9 2.9

Utilities ........................................................... 2.9 2.9

See footnotes at end of table.
Table 22. Standard errors for short-term disability plans: Employee

contribution requirement, private industry workers, National

Compensation Survey, March 2009—Continued

Characteristics

Employee

contribution

required

Employee

contribution not

required

Information ......................................................... 2.1 2.1

Financial activities ............................................. 1.2 1.2

Finance and insurance .................................. 1.4 1.4

Credit intermediation and related activities 0.7 0.7

Insurance carriers and related activities .... 1.3 1.3

Professional and business services .................. 2.2 2.2

Professional and technical services .............. 3.1 3.1

Administrative and waste services ................ 4.4 4.4

Education and health services ........................... 1.6 1.6

Educational services ...................................... 4.3 4.3

Junior colleges, colleges, and universities 1.7 1.7

Health care and social assistance ................. 2.1 2.1

Leisure and hospitality ....................................... 8.8 8.8

Accommodation and food services ................ 8.7 8.7

Other services ................................................... 6.6 6.6

1 to 99 workers ...................................................... 2.5 2.5

1 to 49 workers .................................................. 3.0 3.0

50 to 99 workers ................................................ 2.1 2.1

100 workers or more .............................................. 1.5 1.5

100 to 499 workers ............................................ 1.2 1.2

500 workers or more .......................................... 3.0 3.0

Geographic areas

New England ......................................................... 2.3 2.3

Middle Atlantic ....................................................... 2.0 2.0

East North Central ................................................. 1.1 1.1

West North Central ................................................ 1.9 1.9

South Atlantic ........................................................ 1.0 1.0

West South Central ............................................... 1.8 1.8

Mountain ................................................................ 0.9 0.9

Pacific .................................................................... 1.8 1.8

1 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and below

the threshold. The percentile values are based on

the estimates published in the "National

Compensation Survey: Occupational Earnings in

the United States, 2008." See Technical Note for

more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 23. Short-term disability plans: Method of benefit payment, private industry

workers, National Compensation Survey, March 2009

(All workers with short-term disabilty coverage = 100 percent)

Characteristics Flat dollar

amounts

Dollar

amount

varies

Fixed

percent of

earnings

Percent

varies by

earnings

Other

All workers ............................................................. 7 2 66 22 2

Worker characteristics

Management, professional, and related ................ 1 1 63 32 3

Management, business, and financial ............... 1 1 58 39 1

Professional and related .................................... 1 1 66 29 3

Service ................................................................... 4 2 84 7 3

Protective service .............................................. – 2 88 8 –

Sales and office ..................................................... 4 1 66 27 3

Sales and related ............................................... 4 1 67 26 2

Office and administrative support ...................... 3 1 65 28 3

Natural resources, construction, and maintenance 17 6 58 16 2

Construction, extraction, farming, fishing, and

forestry ............................................................. 24 8 59 7 2

Installation, maintenance, and repair ................. 13 5 58 22 3

Production, transportation, and material moving ... 18 6 65 10 1

Production ......................................................... 20 7 62 10 1

Transportation and material moving .................. 16 4 70 10 –

Full time ................................................................. 8 3 65 22 2

Part time ................................................................ 3 1 78 16 3

Union ..................................................................... 21 9 51 17 2

Nonunion ............................................................... 5 1 69 23 2

Wage percentiles:1

Lowest 10 percent ............................................. 3 – 89 6 –

Lowest 25 percent ............................................. 7 1 81 10 1

Second 25 percent ............................................ 10 2 71 15 2

Third 25 percent ................................................ 9 2 66 20 2

Highest 25 percent ............................................ 4 3 59 31 3

Highest 10 percent ............................................ 3 1 57 37 2

Establishment characteristics

Goods-producing industries ................................... 19 6 58 15 1

Construction ...................................................... 25 5 64 5 1

Manufacturing .................................................... 19 7 57 16 1

Service-providing industries .................................. 3 1 69 24 3

Trade, transportation, and utilities ..................... 8 3 68 19 2

Wholesale trade ............................................. 7 6 61 23 3

Retail trade .................................................... 6 1 71 20 1

Transportation and warehousing ................... 12 – 77 10 –

Utilities ........................................................... 8 – 50 33 –

See footnotes at end of table.
Table 23. Short-term disability plans: Method of benefit payment, private industry

workers, National Compensation Survey, March 2009—Continued

(All workers with short-term disabilty coverage = 100 percent)

Characteristics Flat dollar

amounts

Dollar

amount

varies

Fixed

percent of

earnings

Percent

varies by

earnings

Other

Information ......................................................... – – 37 56 7

Financial activities ............................................. 1 2 ( ) 49 49 2 ( )

Finance and insurance .................................. 1 2 ( ) 45 54 2 ( )

Credit intermediation and related activities 1 – 36 62 –

Insurance carriers and related activities .... 1 – 55 44 –

Real estate and rental and leasing ................ – – 75 21 –

Professional and business services .................. – 2 ( ) 77 21 –

Professional and technical services .............. – – 78 21 –

Administrative and waste services ................ – – 88 8 –

Education and health services ........................... 1 1 76 14 7

Educational services ...................................... 2 – 81 16 –

Junior colleges, colleges, and universities 2 – 71 25 –

Health care and social assistance ................. 1 1 75 14 8

Leisure and hospitality ....................................... 5 – 89 – –

Accommodation and food services ................ 6 – 91 – –

Other services ................................................... – – 86 – –

1 to 99 workers ...................................................... 7 1 74 16 1

1 to 49 workers .................................................. 7 2 73 17 1

50 to 99 workers ................................................ 9 1 76 13 2

100 workers or more .............................................. 7 3 62 25 3

100 to 499 workers ............................................ 9 2 66 21 2

500 workers or more .......................................... 5 4 58 29 4

Geographic areas

New England ......................................................... 5 1 68 24 1

Middle Atlantic ....................................................... 4 1 82 13 1

East North Central ................................................. 14 5 55 24 2

West North Central ................................................ 11 3 65 19 3

South Atlantic ........................................................ 8 3 62 26 2

East South Central ................................................ – 4 79 9 –

West South Central ............................................... 7 – 53 33 –

Mountain ................................................................ 6 – 59 28 –

Pacific .................................................................... 2 2 58 31 6

1 The percentile groupings are based on the average wage

for each occupation surveyed, which may include workers both

above and below the threshold. The percentile values are

based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details. 2 Less than 0.5 percent.

NOTE: Because of rounding, sums of individual items may not

equal totals. Dash indicates no workers in this category or data

did not meet publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 23. Standard errors for short-term disability plans: Method of benefit payment,

private industry workers, National Compensation Survey, March 2009

Characteristics Flat dollar

amounts

Dollar

amount

varies

Fixed

percent of

earnings

Percent

varies by

earnings

Other

All workers ............................................................. 0.4 0.2 0.9 0.7 0.4

Worker characteristics

Management, professional, and related ................ 0.2 0.1 1.4 1.2 0.5

Management, business, and financial ............... 0.4 0.2 1.6 1.5 0.4

Professional and related .................................... 0.3 0.2 1.6 1.5 0.6

Service ................................................................... 0.9 0.4 2.2 1.2 0.9

Protective service .............................................. – 0.8 3.0 2.3 –

Sales and office ..................................................... 0.3 0.1 1.2 1.1 0.6

Sales and related ............................................... 0.8 0.3 2.3 2.3 0.6

Office and administrative support ...................... 0.3 0.2 1.4 1.1 0.7

Natural resources, construction, and maintenance 1.8 0.8 2.3 1.5 0.7

Construction, extraction, farming, fishing, and

forestry ............................................................. 3.2 1.6 3.4 1.2 0.6

Installation, maintenance, and repair ................. 1.7 0.9 2.8 2.4 1.1

Production, transportation, and material moving ... 1.0 0.6 1.3 0.8 0.3

Production ......................................................... 1.3 0.8 1.7 1.1 0.4

Transportation and material moving .................. 1.4 0.7 2.0 1.1 –

Full time ................................................................. 0.4 0.2 1.0 0.7 0.4

Part time ................................................................ 0.6 0.3 2.7 2.0 0.9

Union ..................................................................... 1.7 0.8 2.7 1.5 0.7

Nonunion ............................................................... 0.4 0.2 1.0 0.7 0.4

Wage percentiles:1

Lowest 10 percent ............................................. 1.1 – 2.5 1.7 –

Lowest 25 percent ............................................. 1.1 0.4 2.2 1.9 0.4

Second 25 percent ............................................ 0.8 0.3 1.2 0.9 0.7

Third 25 percent ................................................ 0.6 0.3 1.0 0.7 0.4

Highest 25 percent ............................................ 0.4 0.3 1.4 1.2 0.4

Highest 10 percent ............................................ 0.5 0.2 1.6 1.5 0.5

Establishment characteristics

Goods-producing industries ................................... 1.1 0.6 1.4 1.1 0.3

Construction ...................................................... 3.6 1.3 3.9 1.3 0.5

Manufacturing .................................................... 1.2 0.7 1.7 1.2 0.4

Service-providing industries .................................. 0.3 0.1 1.1 0.9 0.5

Trade, transportation, and utilities ..................... 0.8 0.5 1.4 1.2 0.5

Wholesale trade ............................................. 1.2 1.2 2.8 2.6 0.9

Retail trade .................................................... 1.1 0.4 2.1 2.0 0.7

Transportation and warehousing ................... 2.9 – 3.9 2.4 –

Utilities ........................................................... 2.0 – 8.5 5.2 –

See footnotes at end of table.
Table 23. Standard errors for short-term disability plans: Method of benefit payment,

private industry workers, National Compensation Survey, March 2009—Continued

Characteristics Flat dollar

amounts

Dollar

amount

varies

Fixed

percent of

earnings

Percent

varies by

earnings

Other

Information ......................................................... – – 3.7 3.7 1.8

Financial activities ............................................. 0.4 2 ( ) 2.4 2.2 2 ( )

Finance and insurance .................................. 0.3 2 ( ) 2.2 2.1 2 ( )

Credit intermediation and related activities 0.4 – 2.5 2.5 –

Insurance carriers and related activities .... 0.4 – 3.3 3.3 –

Real estate and rental and leasing ................ – – 5.1 4.7 –

Professional and business services .................. – 2 ( ) 2.0 1.8 –

Professional and technical services .............. – – 2.9 2.8 –

Administrative and waste services ................ – – 3.3 2.5 –

Education and health services ........................... 0.4 0.2 2.3 1.9 1.9

Educational services ...................................... 0.8 – 3.9 3.9 –

Junior colleges, colleges, and universities 0.9 – 5.0 5.2 –

Health care and social assistance ................. 0.4 0.2 2.5 2.1 2.2

Leisure and hospitality ....................................... 2.3 – 4.6 – –

Accommodation and food services ................ 2.7 – 4.2 – –

Other services ................................................... – – 4.1 – –

1 to 99 workers ...................................................... 0.7 0.3 1.1 0.9 0.3

1 to 49 workers .................................................. 0.8 0.4 1.5 1.2 0.3

50 to 99 workers ................................................ 1.4 0.4 2.0 1.4 0.7

100 workers or more .............................................. 0.6 0.2 1.4 1.1 0.5

100 to 499 workers ............................................ 0.8 0.3 1.4 1.3 0.5

500 workers or more .......................................... 0.7 0.4 2.4 1.7 0.9

Geographic areas

New England ......................................................... 1.1 0.5 2.9 2.5 0.4

Middle Atlantic ....................................................... 0.5 0.1 0.8 0.4 0.4

East North Central ................................................. 1.1 0.5 1.7 1.5 0.5

West North Central ................................................ 1.4 0.9 1.9 2.1 1.1

South Atlantic ........................................................ 0.8 0.6 2.5 2.4 0.6

East South Central ................................................ – 1.5 7.0 2.8 –

West South Central ............................................... 1.6 – 2.9 2.4 –

Mountain ................................................................ 1.8 – 3.5 4.0 –

Pacific .................................................................... 0.6 0.5 3.2 2.6 2.1

1 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above

and below the threshold. The percentile values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details. 2 Less than 0.05.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 24. Short-term disability plans: Duration of benefits, private industry workers, National

Compensation Survey, March 2009

(All workers with short-term disabilty coverage = 100 percent)

Characteristics Fixed

duration

Number of weeks1

Duration

10th varies

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. 89 13 24 26 26 26 11

Worker characteristics

Management, professional, and related ................ 87 13 24 26 26 26 13

Management, business, and financial ............... 87 13 21 26 26 26 13

Professional and related .................................... 88 12 24 26 26 26 12

Service ................................................................... 95 13 26 26 26 26 5

Protective service .............................................. 94 12 12 26 26 26 6

Sales and office ..................................................... 88 13 21 26 26 26 12

Sales and related ............................................... 86 13 21 26 26 26 14

Office and administrative support ...................... 89 13 21 26 26 26 11

Natural resources, construction, and maintenance 87 13 26 26 26 26 13

Construction, extraction, farming, fishing, and

forestry ............................................................. 94 13 26 26 26 26 6

Installation, maintenance, and repair ................. 82 13 26 26 26 26 18

Production, transportation, and material moving ... 90 13 26 26 26 26 10

Production ......................................................... 89 13 26 26 26 26 11

Transportation and material moving .................. 92 13 26 26 26 26 8

Full time ................................................................. 88 13 24 26 26 26 12

Part time ................................................................ 93 13 26 26 26 26 7

Union ..................................................................... 85 13 26 26 26 52 15

Nonunion ............................................................... 90 13 24 26 26 26 10

Establishment characteristics

Goods-producing industries ................................... 90 13 26 26 26 26 10

Construction ...................................................... 95 13 26 26 26 26 5

Manufacturing .................................................... 90 13 26 26 26 26 10

Service-providing industries .................................. 89 13 24 26 26 26 11

Trade, transportation, and utilities ..................... 86 13 21 26 26 26 14

Wholesale trade ............................................. 88 12 24 26 26 26 12

Retail trade .................................................... 81 13 20 26 26 26 19

Utilities ........................................................... 71 13 25 26 26 26 29

Information ......................................................... 66 12 21 26 26 52 34

Financial activities ............................................. 85 13 20 26 26 26 15

Finance and insurance .................................. 84 13 20 26 26 26 16

Credit intermediation and related activities 82 13 20 25 26 26 18

Insurance carriers and related activities .... 87 12 13 26 26 26 13

Real estate and rental and leasing ................ 91 12 13 26 26 26 9

See footnotes at end of table.
Table 24. Short-term disability plans: Duration of benefits, private industry workers, National

Compensation Survey, March 2009—Continued

(All workers with short-term disabilty coverage = 100 percent)

Characteristics Fixed

duration

Number of weeks1

Duration

10th varies

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Professional and business services .................. 93 12 22 26 26 26 7

Professional and technical services .............. 94 12 16 26 26 26 6

Administrative and waste services ................ 96 12 20 26 26 26 4

Education and health services ........................... 93 13 24 26 26 26 7

 Educational services:

 Junior colleges, colleges, and universities ... 91 12 24 26 26 26 9

Health care and social assistance ................. 94 13 24 26 26 26 6

1 to 99 workers ...................................................... 92 13 25 26 26 26 8

1 to 49 workers .................................................. 92 13 25 26 26 26 8

50 to 99 workers ................................................ 92 13 22 26 26 26 8

100 workers or more .............................................. 87 13 24 26 26 26 13

100 to 499 workers ............................................ 88 13 21 26 26 26 12

500 workers or more .......................................... 87 13 26 26 26 26 13

Geographic areas

New England ......................................................... 91 13 24 26 26 26 9

Middle Atlantic ....................................................... 94 25 26 26 26 26 6

East North Central ................................................. 85 13 20 26 26 26 15

West North Central ................................................ 86 12 13 26 26 26 14

South Atlantic ........................................................ 91 12 16 26 26 26 9

West South Central ............................................... 82 13 21 26 26 26 18

Mountain ................................................................ 83 12 13 26 26 26 17

Pacific .................................................................... 86 13 25 26 26 26 14

1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within

each published series. For example, at the 50th percentile or median, half of

the participating workers receive the same as or more than the benefit shown,

and half receive the same as or less than the benefit shown. At the 25th

percentile, one-fourth of the participating workers receive the same or less

than the benefit shown. The remaining percentiles follow the same logic.

NOTE: Because of rounding, sums of individual items may not equal totals. For

definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 24. Standard errors for short-term disability plans: Duration of benefits, private industry workers, 

National Compensation Survey, March 2009

Characteristics Fixed

duration

Number of weeks1

Duration

10th varies

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. 0.6 0.0 1.2 0.0 0.0 0.0 0.6

Worker characteristics

Management, professional, and related ................ 1.2 0.2 1.9 0.0 0.0 0.0 1.2

Management, business, and financial ............... 1.4 0.0 3.1 0.0 0.0 0.0 1.4

Professional and related .................................... 1.3 1.5 1.4 0.0 0.0 0.0 1.3

Service ................................................................... 0.9 0.0 0.6 0.0 0.0 0.0 0.9

Protective service .............................................. 2.3 0.0 7.1 0.4 0.0 0.0 2.3

Sales and office ..................................................... 0.8 0.0 0.2 0.0 0.0 0.0 0.8

Sales and related ............................................... 1.4 0.7 1.1 0.0 0.0 0.0 1.4

Office and administrative support ...................... 0.8 0.0 3.0 0.0 0.0 0.0 0.8

Natural resources, construction, and maintenance 1.5 0.0 0.0 0.0 0.0 6.3 1.5

Construction, extraction, farming, fishing, and

forestry ............................................................. 1.3 0.0 0.0 0.0 0.0 10.8 1.3

Installation, maintenance, and repair ................. 2.2 0.0 0.0 0.0 0.0 10.3 2.2

Production, transportation, and material moving ... 0.9 0.0 0.0 0.0 0.0 0.0 0.9

Production ......................................................... 1.1 0.0 0.0 0.0 0.0 0.0 1.1

Transportation and material moving .................. 1.1 0.0 1.2 0.0 0.0 0.0 1.1

Full time ................................................................. 0.6 0.0 0.6 0.0 0.0 0.0 0.6

Part time ................................................................ 2.1 0.8 0.9 0.0 0.0 16.2 2.1

Union ..................................................................... 1.2 2.9 0.0 0.0 0.0 7.4 1.2

Nonunion ............................................................... 0.7 0.0 2.1 0.0 0.0 0.0 0.7

Establishment characteristics

Goods-producing industries ................................... 0.8 0.0 0.0 0.0 0.0 0.0 0.8

Construction ...................................................... 1.6 0.2 0.0 0.0 0.0 0.0 1.6

Manufacturing .................................................... 0.9 0.0 0.0 0.0 0.0 0.0 0.9

Service-providing industries .................................. 0.8 0.0 2.0 0.0 0.0 0.0 0.8

Trade, transportation, and utilities ..................... 1.1 0.0 1.8 0.0 0.0 0.0 1.1

Wholesale trade ............................................. 1.8 0.6 3.9 0.0 0.0 0.0 1.8

Retail trade .................................................... 1.8 0.3 1.3 0.0 0.0 0.0 1.8

Utilities ........................................................... 8.7 0.9 1.2 0.0 0.0 0.0 8.7

Information ......................................................... 4.4 1.5 7.4 0.0 0.0 0.0 4.4

Financial activities ............................................. 1.3 0.7 3.4 0.0 0.0 0.0 1.3

Finance and insurance .................................. 1.5 0.0 0.6 0.0 0.0 0.0 1.5

Credit intermediation and related activities 2.4 0.0 0.7 1.0 0.0 0.0 2.4

Insurance carriers and related activities .... 1.9 1.3 6.0 0.2 0.0 0.0 1.9

Real estate and rental and leasing ................ 2.7 1.2 1.7 1.5 0.0 0.0 2.7

See footnotes at end of table.
Table 24. Standard errors for short-term disability plans: Duration of benefits, private industry workers, 

National Compensation Survey, March 2009—Continued

Characteristics Fixed

duration

Number of weeks1

Duration

10th varies

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Professional and business services .................. 1.3 0.2 4.0 0.0 0.0 0.0 1.3

Professional and technical services .............. 1.6 0.6 8.9 0.0 0.0 0.0 1.6

Administrative and waste services ................ 1.7 0.0 8.5 0.0 0.0 0.0 1.7

Education and health services ........................... 1.5 0.0 1.4 0.0 0.0 0.0 1.5

 Educational services:

 Junior colleges, colleges, and universities ... 1.1 0.8 2.6 0.0 0.0 0.0 1.1

Health care and social assistance ................. 1.0 0.0 1.3 0.0 0.0 0.0 1.0

1 to 99 workers ...................................................... 0.8 0.0 1.5 0.0 0.0 0.0 0.8

1 to 49 workers .................................................. 0.9 0.0 1.5 0.0 0.0 0.0 0.9

50 to 99 workers ................................................ 1.0 0.2 4.1 0.0 0.0 0.0 1.0

100 workers or more .............................................. 0.9 0.0 1.2 0.0 0.0 0.0 0.9

100 to 499 workers ............................................ 1.1 0.0 0.8 0.0 0.0 0.0 1.1

500 workers or more .......................................... 1.3 0.0 1.3 0.0 0.0 0.0 1.3

Geographic areas

New England ......................................................... 1.4 0.0 2.7 0.0 0.0 0.0 1.4

Middle Atlantic ....................................................... 1.1 1.2 0.0 0.0 0.0 0.0 1.1

East North Central ................................................. 1.5 0.2 2.0 0.0 0.0 0.0 1.5

West North Central ................................................ 2.1 0.5 3.7 0.0 0.0 0.0 2.1

South Atlantic ........................................................ 1.3 0.3 4.1 0.0 0.0 0.0 1.3

West South Central ............................................... 3.1 1.0 4.6 0.0 0.0 0.0 3.1

Mountain ................................................................ 3.6 0.0 1.2 0.0 0.0 0.0 3.6

Pacific .................................................................... 1.7 0.0 2.0 0.0 0.0 12.0 1.7

1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th percentile or median, half of the

participating workers receive the same as or more than the benefit shown, and half receive the same as or less than the benefit shown. At the 25th percentile,

one-fourth of the participating workers receive the same or less than the benefit shown. The remaining percentiles follow the same logic.

NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 25. Short-term disability plans: Fixed percent of earnings, private industry workers, National Compensation

Survey, March 2009

(All workers with fixed percent of earnings short-term disability coverage = 100 percent)

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings

Less than

50 percent 50 percent 51 to 59percent 60 percent 61 to 69percent

Greater

than 69

percent

All workers ............................................................. 1 22 1 33 26 18 64.4 60.0

Worker characteristics

Management, professional, and related ................ 1 15 1 33 25 25 67.6 65.0

Management, business, and financial ............... – 16 1 35 21 28 67.1 60.0

Professional and related .................................... 1 15 1 32 27 24 67.8 65.0

Service ................................................................... – 38 2 26 26 7 59.6 60.0

Protective service .............................................. – – – 43 – 5 61.6 60.0

Sales and office ..................................................... 1 ( ) 21 1 32 25 20 64.8 60.0

Sales and related ............................................... – 23 1 30 24 22 65.1 60.0

Office and administrative support ...................... 1 ( ) 21 1 33 26 18 64.6 60.0

Natural resources, construction, and maintenance 3 23 – 31 34 9 61.6 60.0

Construction, extraction, farming, fishing, and

forestry ............................................................. 5 16 – 27 45 7 62.0 66.0

Installation, maintenance, and repair ................. 1 28 – 33 27 10 61.4 60.0

Production, transportation, and material moving ... 2 19 1 39 25 14 63.6 60.0

Production ......................................................... 2 17 1 42 25 13 62.5 60.0

Transportation and material moving .................. 1 21 1 36 25 16 65.0 60.0

Full time ................................................................. 1 20 1 35 25 18 64.6 60.0

Part time ................................................................ – 38 – 15 33 13 62.2 60.0

Union ..................................................................... 2 25 2 19 36 17 64.7 66.0

Nonunion ............................................................... 1 21 1 35 25 18 64.3 60.0

Wage percentiles:2

Lowest 10 percent ............................................. – 50 – 20 24 6 58.0 60.0

Lowest 25 percent ............................................. – 36 – 25 29 9 60.4 60.0

Second 25 percent ............................................ 1 23 1 38 25 13 62.6 60.0

Third 25 percent ................................................ 1 18 1 35 26 17 64.7 60.0

Highest 25 percent ............................................ 1 17 1 30 25 26 67.4 65.0

Highest 10 percent ............................................ 1 16 1 28 25 30 68.8 66.0

Establishment characteristics

Goods-producing industries ................................... 3 13 1 ( ) 39 27 18 65.1 60.0

Construction ...................................................... – 18 – 21 50 9 63.2 67.0

Manufacturing .................................................... 3 12 1 ( ) 41 24 19 65.4 60.0

Service-providing industries .................................. 1 ( ) 24 1 31 26 18 64.2 60.0

Trade, transportation, and utilities ..................... – 23 1 30 26 21 65.5 60.0

Wholesale trade ............................................. – 16 – 39 29 14 64.1 60.0

Retail trade .................................................... – 25 – 27 28 19 64.4 60.0

Transportation and warehousing ................... – 25 – 27 18 29 68.8 60.0

Utilities ........................................................... – 24 – – 28 35 70.6 67.0

See footnotes at end of table.
Table 25. Short-term disability plans: Fixed percent of earnings, private industry workers, National Compensation

Survey, March 2009—Continued

(All workers with fixed percent of earnings short-term disability coverage = 100 percent)

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings

Less than

50 percent 50 percent 51 to 59percent 60 percent 61 to 69percent

Greater

than 69

percent

Information ......................................................... – 22 – 26 30 22 65.0 66.0

Financial activities ............................................. – 15 2 31 21 31 68.8 66.0

Finance and insurance .................................. – 12 3 28 23 34 70.3 66.0

Credit intermediation and related activities – 16 2 27 26 28 69.5 66.0

Insurance carriers and related activities .... – 8 – 34 20 35 69.6 66.0

Real estate and rental and leasing ................ – – – 39 – – 62.9 60.0

Professional and business services .................. – 15 – 38 27 19 65.8 60.0

Professional and technical services .............. – 12 – 40 26 22 67.4 60.0

Administrative and waste services ................ – 22 – 33 37 – 61.6 60.0

Education and health services ........................... 1 23 2 30 29 14 62.9 60.0

Educational services ...................................... – 17 2 17 19 45 74.5 67.0

Junior colleges, colleges, and universities – 19 – 22 6 51 76.2 70.0

Health care and social assistance ................. 1 25 2 33 31 8 60.6 60.0

Leisure and hospitality ....................................... – 49 – 28 – 3 56.9 58.0

Accommodation and food services ................ – 52 – 24 – 3 56.6 50.0

Other services ................................................... – 54 – – – 7 57.5 50.0

1 to 99 workers ...................................................... 1 25 1 30 31 12 62.6 60.0

1 to 49 workers .................................................. – 26 1 29 32 11 62.6 60.0

50 to 99 workers ................................................ – 25 – 32 28 15 62.6 60.0

100 workers or more .............................................. 1 19 1 35 23 21 65.6 60.0

100 to 499 workers ............................................ 2 15 – 38 25 20 65.3 60.0

500 workers or more .......................................... 1 23 2 31 20 23 65.9 60.0

Geographic areas

New England ......................................................... – 14 – 44 14 27 65.8 60.0

Middle Atlantic ....................................................... – 40 1 9 43 7 61.5 66.0

East North Central ................................................. 1 9 – 44 21 25 66.1 60.0

West North Central ................................................ – 9 – 47 17 26 66.7 60.0

South Atlantic ........................................................ 2 10 – 55 12 21 65.9 60.0

East South Central ................................................ – – – 48 4 – 60.2 60.0

West South Central ............................................... – 7 1 50 20 22 66.9 60.0

Mountain ................................................................ – 10 – 47 13 29 67.8 60.0

Pacific .................................................................... – 13 7 26 32 22 66.9 65.0

1 Less than 0.5 percent. 2 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2008." See Technical Note for

more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dash

indicates no workers in this category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 25. Standard errors for short-term disability plans: Fixed percent of earnings, private industry workers, 

National Compensation Survey, March 2009

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings

Less than

50 percent 50 percent 51 to 59percent 60 percent 61 to 69percent

Greater

than 69

percent

All workers ............................................................. 0.2 1.4 0.3 1.2 1.1 1.1 0.5 0.0

Worker characteristics

Management, professional, and related ................ 0.2 1.8 0.2 2.1 1.7 2.0 0.8 6.8

Management, business, and financial ............... – 2.7 0.2 2.7 1.9 2.5 0.9 2.5

Professional and related .................................... 0.2 1.6 0.2 2.4 2.1 2.3 0.9 4.1

Service ................................................................... – 4.2 1.1 2.7 3.9 1.1 0.7 0.0

Protective service .............................................. – – – 11.9 – 2.2 1.3 0.0

Sales and office ..................................................... 1 ( ) 1.3 0.3 1.3 1.2 1.4 0.5 0.0

Sales and related ............................................... – 1.9 0.4 2.0 1.9 2.3 0.7 0.0

Office and administrative support ...................... 1 ( ) 1.4 0.4 1.7 1.3 1.4 0.5 0.0

Natural resources, construction, and maintenance 1.0 3.3 – 2.3 3.0 1.3 0.8 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.2 4.3 – 4.2 4.4 2.5 1.3 6.6

Installation, maintenance, and repair ................. 0.5 4.0 – 2.8 3.3 1.6 0.8 0.0

Production, transportation, and material moving ... 0.5 1.6 0.2 2.5 1.9 1.6 0.6 0.0

Production ......................................................... 0.7 2.0 0.2 3.2 2.4 2.0 0.6 0.0

Transportation and material moving .................. 0.3 2.1 0.3 2.7 2.3 2.6 1.0 0.0

Full time ................................................................. 0.2 1.4 0.3 1.2 1.1 1.1 0.4 0.0

Part time ................................................................ – 4.9 – 3.3 3.8 3.9 1.6 1.4

Union ..................................................................... 0.6 2.7 0.5 2.0 2.2 2.2 1.0 3.1

Nonunion ............................................................... 0.2 1.4 0.3 1.2 1.1 1.1 0.5 0.0

Wage percentiles:2

Lowest 10 percent ............................................. – 6.2 – 3.4 6.6 2.1 1.3 12.8

Lowest 25 percent ............................................. – 4.2 – 2.4 3.6 1.6 0.9 0.0

Second 25 percent ............................................ 0.3 1.8 0.6 1.5 1.4 1.0 0.4 0.0

Third 25 percent ................................................ 0.3 0.9 0.6 1.4 1.3 1.5 0.5 0.0

Highest 25 percent ............................................ 0.2 1.3 0.2 2.2 1.5 2.0 0.7 4.8

Highest 10 percent ............................................ 0.2 1.1 0.3 2.9 2.0 2.2 0.8 0.7

Establishment characteristics

Goods-producing industries ................................... 0.6 1.0 1 ( ) 2.5 1.8 2.0 0.7 0.0

Construction ...................................................... – 3.9 – 3.1 3.6 2.8 1.4 1.2

Manufacturing .................................................... 0.7 1.2 1 ( ) 2.7 2.2 2.3 0.8 0.0

Service-providing industries .................................. 1 ( ) 1.7 0.3 1.3 1.4 1.2 0.5 0.0

Trade, transportation, and utilities ..................... – 1.5 0.4 1.4 1.2 1.8 0.6 0.0

Wholesale trade ............................................. – 2.3 – 3.3 2.7 2.7 0.7 0.0

Retail trade .................................................... – 2.5 – 2.0 2.2 2.0 0.7 2.4

Transportation and warehousing ................... – 3.8 – 4.5 2.7 4.5 1.8 3.2

Utilities ........................................................... – 4.7 – – 5.7 7.1 2.8 0.0

See footnotes at end of table.
Table 25. Standard errors for short-term disability plans: Fixed percent of earnings, private industry workers, 

National Compensation Survey, March 2009—Continued

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings

Less than

50 percent 50 percent 51 to 59percent 60 percent 61 to 69percent

Greater

than 69

percent

Information ......................................................... – 3.1 – 4.4 3.5 4.5 1.3 6.5

Financial activities ............................................. – 3.0 0.7 2.5 3.0 2.2 0.8 3.5

Finance and insurance .................................. – 1.4 0.9 2.5 2.5 2.2 0.7 0.3

Credit intermediation and related activities – 4.1 1.0 2.9 3.5 2.4 1.2 2.5

Insurance carriers and related activities .... – 2.4 – 4.5 3.3 3.8 1.2 0.0

Real estate and rental and leasing ................ – – – 7.7 – – 2.1 0.0

Professional and business services .................. – 2.4 – 3.8 3.2 3.0 1.0 0.0

Professional and technical services .............. – 2.5 – 5.4 4.2 4.3 1.5 3.7

Administrative and waste services ................ – 5.8 – 5.8 7.0 – 1.7 0.8

Education and health services ........................... 0.4 3.1 0.6 2.5 3.6 1.6 0.4 0.0

Educational services ...................................... – 2.1 0.8 3.6 2.2 3.6 1.7 0.0

Junior colleges, colleges, and universities – 2.2 – 2.2 1.3 2.5 1.1 2.3

Health care and social assistance ................. 0.5 3.8 0.8 2.7 4.2 1.5 0.6 0.0

Leisure and hospitality ....................................... – 6.6 – 4.6 – 1.1 1.2 11.4

Accommodation and food services ................ – 6.5 – 4.7 – 1.1 1.2 11.1

Other services ................................................... – 11.9 – – – 2.9 2.0 11.8

1 to 99 workers ...................................................... 0.2 2.1 0.4 2.0 1.6 1.3 0.5 0.0

1 to 49 workers .................................................. – 2.0 0.6 2.2 2.3 1.5 0.6 0.0

50 to 99 workers ................................................ – 4.6 – 2.7 2.7 2.4 1.0 0.0

100 workers or more .............................................. 0.2 2.1 0.3 1.5 1.4 1.4 0.7 0.0

100 to 499 workers ............................................ 0.4 1.4 – 1.9 1.6 1.6 0.6 0.0

500 workers or more .......................................... 0.2 3.9 0.4 2.1 2.7 2.5 1.2 0.0

Geographic areas

New England ......................................................... – 3.1 – 6.4 2.9 4.7 1.5 0.0

Middle Atlantic ....................................................... – 1.8 0.3 1.1 1.9 1.1 0.5 4.5

East North Central ................................................. 0.4 1.2 – 2.3 2.1 3.1 0.6 0.0

West North Central ................................................ – 1.8 – 6.4 3.3 4.5 1.1 0.0

South Atlantic ........................................................ 0.5 1.3 – 3.1 1.6 3.6 1.5 0.0

East South Central ................................................ – – – 7.7 1.6 – 2.8 0.0

West South Central ............................................... – 2.1 0.2 4.2 3.2 2.7 1.0 0.0

Mountain ................................................................ – 3.0 – 7.5 1.8 6.3 1.8 0.0

Pacific .................................................................... – 2.1 2.6 3.5 4.5 3.0 1.2 2.1

1 Less than 0.05. 2 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 26. Long-term disability plans: Employee contribution

requirement, private industry workers, National Compensation

Survey, March 2009

(All workers with long-term disability coverage = 100 percent)

Characteristics

Employee

contribution

required

Employee

contribution not

required

All workers ............................................................. 9 91

Worker characteristics

Management, professional, and related ................ 8 92

Management, business, and financial ............... 8 92

Professional and related .................................... 8 92

Service ................................................................... 8 92

Protective service .............................................. 4 96

Sales and office ..................................................... 9 91

Sales and related ............................................... 12 88

Office and administrative support ...................... 9 91

Natural resources, construction, and maintenance 11 89

Construction, extraction, farming, fishing, and

forestry ............................................................. 7 93

Installation, maintenance, and repair ................. 13 87

Production, transportation, and material moving ... 10 90

Production ......................................................... 11 89

Transportation and material moving .................. 9 91

Full time ................................................................. 9 91

Part time ................................................................ 7 93

Union ..................................................................... 8 92

Nonunion ............................................................... 9 91

Wage percentiles:1

Lowest 25 percent ............................................. 8 92

Second 25 percent ............................................ 9 91

Third 25 percent ................................................ 10 90

Highest 25 percent ............................................ 8 92

Highest 10 percent ............................................ 9 91

Establishment characteristics

Goods-producing industries ................................... 11 89

Construction ...................................................... 7 93

Manufacturing .................................................... 11 89

Service-providing industries .................................. 9 91

Trade, transportation, and utilities ..................... 12 88

Wholesale trade ............................................. 11 89

Retail trade .................................................... 16 84

Transportation and warehousing ................... 6 94

Utilities ........................................................... 24 76

See footnotes at end of table.
Table 26. Long-term disability plans: Employee contribution

requirement, private industry workers, National Compensation

Survey, March 2009—Continued

(All workers with long-term disability coverage = 100 percent)

Characteristics

Employee

contribution

required

Employee

contribution not

required

Information ......................................................... 8 92

Financial activities ............................................. 9 91

Finance and insurance .................................. 9 91

Credit intermediation and related activities 11 89

Insurance carriers and related activities .... 6 94

Professional and business services .................. 7 93

Professional and technical services .............. 8 92

Education and health services ........................... 9 91

Educational services ...................................... 9 91

Junior colleges, colleges, and universities 11 89

Health care and social assistance ................. 9 91

Other services ................................................... 4 96

1 to 99 workers ...................................................... 8 92

1 to 49 workers .................................................. 10 90

50 to 99 workers ................................................ 5 95

100 workers or more .............................................. 9 91

100 to 499 workers ............................................ 9 91

500 workers or more .......................................... 10 90

Geographic areas

New England ......................................................... 8 92

Middle Atlantic ....................................................... 8 92

East North Central ................................................. 9 91

West North Central ................................................ 6 94

South Atlantic ........................................................ 9 91

East South Central ................................................ 8 92

West South Central ............................................... 10 90

Pacific .................................................................... 10 90

1 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and below

the threshold. The percentile values are based on

the estimates published in the "National

Compensation Survey: Occupational Earnings in

the United States, 2008." See Technical Note for

more details.

NOTE: Because of rounding, sums of individual

items may not equal totals. For definitions of major

plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 26. Standard errors for long-term disability plans: Employee

contribution requirement, private industry workers, National

Compensation Survey, March 2009

Characteristics

Employee

contribution

required

Employee

contribution not

required

All workers ............................................................. 0.6 0.6

Worker characteristics

Management, professional, and related ................ 0.7 0.7

Management, business, and financial ............... 0.8 0.8

Professional and related .................................... 0.9 0.9

Service ................................................................... 2.2 2.2

Protective service .............................................. 1.8 1.8

Sales and office ..................................................... 0.7 0.7

Sales and related ............................................... 1.4 1.4

Office and administrative support ...................... 0.8 0.8

Natural resources, construction, and maintenance 1.5 1.5

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.2 2.2

Installation, maintenance, and repair ................. 1.8 1.8

Production, transportation, and material moving ... 1.2 1.2

Production ......................................................... 1.7 1.7

Transportation and material moving .................. 1.3 1.3

Full time ................................................................. 0.6 0.6

Part time ................................................................ 1.5 1.5

Union ..................................................................... 1.5 1.5

Nonunion ............................................................... 0.6 0.6

Wage percentiles:1

Lowest 25 percent ............................................. 2.1 2.1

Second 25 percent ............................................ 1.1 1.1

Third 25 percent ................................................ 0.8 0.8

Highest 25 percent ............................................ 0.7 0.7

Highest 10 percent ............................................ 1.0 1.0

Establishment characteristics

Goods-producing industries ................................... 1.2 1.2

Construction ...................................................... 2.1 2.1

Manufacturing .................................................... 1.3 1.3

Service-providing industries .................................. 0.7 0.7

Trade, transportation, and utilities ..................... 1.2 1.2

Wholesale trade ............................................. 1.7 1.7

Retail trade .................................................... 2.2 2.2

Transportation and warehousing ................... 1.3 1.3

Utilities ........................................................... 5.9 5.9

See footnotes at end of table.
Table 26. Standard errors for long-term disability plans: Employee

contribution requirement, private industry workers, National

Compensation Survey, March 2009—Continued

Characteristics

Employee

contribution

required

Employee

contribution not

required

Information ......................................................... 2.4 2.4

Financial activities ............................................. 0.9 0.9

Finance and insurance .................................. 0.8 0.8

Credit intermediation and related activities 1.3 1.3

Insurance carriers and related activities .... 1.1 1.1

Professional and business services .................. 1.6 1.6

Professional and technical services .............. 2.1 2.1

Education and health services ........................... 1.5 1.5

Educational services ...................................... 1.7 1.7

Junior colleges, colleges, and universities 2.2 2.2

Health care and social assistance ................. 1.9 1.9

Other services ................................................... 1.6 1.6

1 to 99 workers ...................................................... 0.7 0.7

1 to 49 workers .................................................. 0.9 0.9

50 to 99 workers ................................................ 1.4 1.4

100 workers or more .............................................. 0.7 0.7

100 to 499 workers ............................................ 0.9 0.9

500 workers or more .......................................... 1.1 1.1

Geographic areas

New England ......................................................... 0.8 0.8

Middle Atlantic ....................................................... 1.3 1.3

East North Central ................................................. 1.1 1.1

West North Central ................................................ 1.0 1.0

South Atlantic ........................................................ 1.4 1.4

East South Central ................................................ 2.1 2.1

West South Central ............................................... 1.3 1.3

Pacific .................................................................... 2.1 2.1

1 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and below

the threshold. The percentile values are based on

the estimates published in the "National

Compensation Survey: Occupational Earnings in

the United States, 2008." See Technical Note for

more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 27. Long-term disability plans: Method of benefit payment, private

industry workers, National Compensation Survey, March 2009

(All workers with long-term disability coverage = 100 percent)

Characteristics

Fixed

percent of

earnings

Pecent

varies by

earnings

Flat dollar

amounts Other

All workers ............................................................. 93 5 1 1

Worker characteristics

Management, professional, and related ................ 94 5 1 ( ) 1 ( )

Management, business, and financial ............... 92 7 1 1 ( )

Professional and related .................................... 95 5 1 () –

Service ................................................................... 96 3 – –

Protective service .............................................. 87 – – –

Sales and office ..................................................... 94 5 1 ( ) 1 ( )

Sales and related ............................................... 94 6 – –

Office and administrative support ...................... 94 5 1 1 ( )

Natural resources, construction, and maintenance 90 6 3 2

Construction, extraction, farming, fishing, and

forestry ............................................................. 86 – 3 –

Installation, maintenance, and repair ................. 92 4 2 2

Production, transportation, and material moving ... 87 4 5 4

Production ......................................................... 84 5 7 3

Transportation and material moving .................. 90 4 2 4

Full time ................................................................. 93 5 1 1

Part time ................................................................ 92 7 – –

Union ..................................................................... 78 7 9 6

Nonunion ............................................................... 95 5 1 ( ) 1 ( )

Wage percentiles:2

Lowest 10 percent ............................................. 97 – – –

Lowest 25 percent ............................................. 96 3 – –

Second 25 percent ............................................ 95 4 1 1 ( )

Third 25 percent ................................................ 93 5 1 1

Highest 25 percent ............................................ 91 6 2 1

Highest 10 percent ............................................ 92 7 1 () 1

Establishment characteristics

Goods-producing industries ................................... 88 5 5 2

Construction ...................................................... 90 8 – –

Manufacturing .................................................... 89 4 5 2

Service-providing industries .................................. 94 5 1 () 1

Trade, transportation, and utilities ..................... 90 7 1 2

Wholesale trade ............................................. 92 2 2 4

Retail trade .................................................... 87 11 1 –

Transportation and warehousing ................... 96 2 – –

Utilities ........................................................... 78 21 – –

See footnotes at end of table.
Table 27. Long-term disability plans: Method of benefit payment, private

industry workers, National Compensation Survey, March 2009—Continued

(All workers with long-term disability coverage = 100 percent)

Characteristics

Fixed

percent of

earnings

Pecent

varies by

earnings

Flat dollar

amounts Other

Information ......................................................... 92 8 – –

Financial activities ............................................. 91 8 1 () 1

Finance and insurance .................................. 90 9 1 () 1

Credit intermediation and related activities 90 9 1 –

Insurance carriers and related activities .... 88 10 1 () –

Real estate and rental and leasing ................ 98 – – –

Professional and business services .................. 96 4 – –

Professional and technical services .............. 97 3 – –

Administrative and waste services ................ 94 – – –

Education and health services ........................... 96 4 – –

Educational services ...................................... 94 – 1 () –

Junior colleges, colleges, and universities 92 – 1 () –

Health care and social assistance ................. 97 3 – –

Leisure and hospitality ....................................... 100 – – –

Accommodation and food services ................ 99 – – –

Other services ................................................... 92 – – –

1 to 99 workers ...................................................... 95 4 1 1 ( )

1 to 49 workers .................................................. 95 4 1 –

50 to 99 workers ................................................ 96 3 1 –

100 workers or more .............................................. 92 6 1 1

100 to 499 workers ............................................ 93 6 1 1

500 workers or more .......................................... 91 6 2 1

Geographic areas

New England ......................................................... 95 4 – –

Middle Atlantic ....................................................... 97 2 1 –

East North Central ................................................. 88 7 3 2

West North Central ................................................ 91 6 2 –

South Atlantic ........................................................ 95 4 1 ( ) 1 ( )

East South Central ................................................ 94 5 – –

West South Central ............................................... 92 7 – 1

Mountain ................................................................ 94 5 – –

Pacific .................................................................... 92 5 1 2

1 Less than 0.5 percent. 2 The percentile groupings are based on the

average wage for each occupation surveyed, which may

include workers both above and below the threshold.

The percentile values are based on the estimates

published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: Because of rounding, sums of individual items

may not equal totals. Dash indicates no workers in this

category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 27. Standard errors for long-term disability plans: Method of benefit

payment, private industry workers, National Compensation Survey, March

2009

Characteristics

Fixed

percent of

earnings

Pecent

varies by

earnings

Flat dollar

amounts Other

All workers ............................................................. 0.5 0.4 0.2 0.1

Worker characteristics

Management, professional, and related ................ 0.7 0.7 1 ( ) 1 ( )

Management, business, and financial ............... 0.9 0.8 0.3 1 ( )

Professional and related .................................... 0.7 0.8 1 () –

Service ................................................................... 1.1 1.0 – –

Protective service .............................................. 3.8 – – –

Sales and office ..................................................... 0.5 0.5 1 ( ) 1 ( )

Sales and related ............................................... 1.0 1.0 – –

Office and administrative support ...................... 0.6 0.6 0.1 1 ( )

Natural resources, construction, and maintenance 1.6 1.5 0.5 0.4

Construction, extraction, farming, fishing, and

forestry ............................................................. 3.8 – 0.9 –

Installation, maintenance, and repair ................. 1.4 1.2 0.7 0.4

Production, transportation, and material moving ... 1.2 0.9 0.8 0.7

Production ......................................................... 1.9 1.4 1.1 0.8

Transportation and material moving .................. 1.4 0.9 0.5 1.4

Full time ................................................................. 0.5 0.4 0.2 0.2

Part time ................................................................ 2.1 1.8 – –

Union ..................................................................... 2.1 1.6 1.3 1.1

Nonunion ............................................................... 0.4 0.4 1 ( ) 1 ( )

Wage percentiles:2

Lowest 10 percent ............................................. 2.0 – – –

Lowest 25 percent ............................................. 1.0 0.8 – –

Second 25 percent ............................................ 0.7 0.7 0.2 1 ( )

Third 25 percent ................................................ 0.7 0.6 0.3 0.2

Highest 25 percent ............................................ 0.7 0.7 0.3 0.3

Highest 10 percent ............................................ 0.9 0.9 1 ( ) 0.3

Establishment characteristics

Goods-producing industries ................................... 1.1 0.8 0.6 0.4

Construction ...................................................... 3.1 2.7 – –

Manufacturing .................................................... 1.1 0.7 0.7 0.5

Service-providing industries .................................. 0.5 0.5 1 ( ) 0.2

Trade, transportation, and utilities ..................... 1.1 0.9 0.3 0.8

Wholesale trade ............................................. 1.7 0.8 0.8 1.8

Retail trade .................................................... 1.9 1.6 0.4 –

Transportation and warehousing ................... 1.9 0.9 – –

Utilities ........................................................... 6.1 6.1 – –

See footnotes at end of table.
Table 27. Standard errors for long-term disability plans: Method of benefit

payment, private industry workers, National Compensation Survey, March

2009—Continued

Characteristics

Fixed

percent of

earnings

Pecent

varies by

earnings

Flat dollar

amounts Other

Information ......................................................... 1.6 1.6 – –

Financial activities ............................................. 1.0 1.0 1 ( ) 0.2

Finance and insurance .................................. 1.1 1.0 1 ( ) 0.3

Credit intermediation and related activities 1.4 1.3 0.2 –

Insurance carriers and related activities .... 2.2 2.0 1 () –

Real estate and rental and leasing ................ 1.6 – – –

Professional and business services .................. 1.1 1.1 – –

Professional and technical services .............. 1.2 1.2 – –

Administrative and waste services ................ 2.8 – – –

Education and health services ........................... 1.1 1.1 – –

Educational services ...................................... 3.3 – 1 () –

Junior colleges, colleges, and universities 4.4 – 1 () –

Health care and social assistance ................. 1.1 1.1 – –

Leisure and hospitality ....................................... 0.4 – – –

Accommodation and food services ................ 0.6 – – –

Other services ................................................... 4.4 – – –

1 to 99 workers ...................................................... 0.6 0.5 0.2 1 ( )

1 to 49 workers .................................................. 0.8 0.7 0.2 –

50 to 99 workers ................................................ 1.1 0.9 0.3 –

100 workers or more .............................................. 0.6 0.6 0.2 0.2

100 to 499 workers ............................................ 1.0 1.0 0.2 0.3

500 workers or more .......................................... 0.9 0.7 0.3 0.3

Geographic areas

New England ......................................................... 1.6 1.3 – –

Middle Atlantic ....................................................... 0.3 0.2 0.2 –

East North Central ................................................. 1.0 1.1 0.6 0.3

West North Central ................................................ 2.3 2.2 0.9 –

South Atlantic ........................................................ 0.7 0.7 1 ( ) 1 ( )

East South Central ................................................ 2.9 2.3 – –

West South Central ............................................... 1.6 1.8 – 0.4

Mountain ................................................................ 1.5 1.5 – –

Pacific .................................................................... 1.3 1.4 0.3 0.7

1 Less than 0.05. 2 The percentile groupings are based on the average wage for each occupation surveyed, which may include

workers both above and below the threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical Note for more

details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major

plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 28. Long-term disability plans: Fixed percent of earnings, private industry workers, National

Compensation Survey, March 2009

(All workers with a fixed percent of earnings long-term disability coverage = 100 percent)

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings

Less than

60 percent 60 percent 61 to 66percent 67 percent

Greater

than 67

percent

All workers ............................................................. 22 62 9 5 1 58.7 60.0

Worker characteristics

Management, professional, and related ................ 22 61 10 6 1 58.7 60.0

Management, business, and financial ............... 19 63 11 6 2 59.1 60.0

Professional and related .................................... 23 61 9 6 1 58.5 60.0

Service ................................................................... 44 46 5 4 – 56.2 60.0

Protective service .............................................. – 52 – – – 58.1 60.0

Sales and office ..................................................... 17 63 12 6 1 59.5 60.0

Sales and related ............................................... 19 63 11 6 1 59.1 60.0

Office and administrative support ...................... 17 64 12 6 2 59.6 60.0

Natural resources, construction, and maintenance 24 67 3 5 1 58.1 60.0

Construction, extraction, farming, fishing, and

forestry ............................................................. – 74 – 5 – 58.2 60.0

Installation, maintenance, and repair ................. 26 64 4 5 1 58.0 60.0

Production, transportation, and material moving ... 17 69 7 4 2 59.1 60.0

Production ......................................................... 16 67 10 – – 59.2 60.0

Transportation and material moving .................. 18 72 3 4 2 58.9 60.0

Full time ................................................................. 22 62 9 5 1 58.7 60.0

Part time ................................................................ 22 60 11 4 2 59.3 60.0

Union ..................................................................... 31 55 4 6 4 58.1 60.0

Nonunion ............................................................... 21 63 10 5 1 58.8 60.0

Wage percentiles:1

Lowest 10 percent ............................................. 67 – – – – 53.0 50.0

Lowest 25 percent ............................................. – 56 7 5 – 58.2 60.0

Second 25 percent ............................................ 21 64 8 6 1 58.6 60.0

Third 25 percent ................................................ 20 63 10 6 2 59.1 60.0

Highest 25 percent ............................................ 22 62 10 5 1 58.6 60.0

Highest 10 percent ............................................ 22 58 12 6 2 58.8 60.0

Establishment characteristics

Goods-producing industries ................................... 18 67 9 5 1 59.0 60.0

Construction ...................................................... – 82 – 6 – 59.5 60.0

Manufacturing .................................................... 18 65 11 5 2 59.0 60.0

Service-providing industries .................................. 23 61 9 6 1 58.7 60.0

Trade, transportation, and utilities ..................... 20 65 7 5 3 59.2 60.0

Wholesale trade ............................................. 15 69 10 5 1 58.9 60.0

Retail trade .................................................... 11 75 8 5 2 60.2 60.0

Transportation and warehousing ................... 23 64 – 6 – 60.1 60.0

Information ......................................................... 18 68 8 4 3 59.1 60.0

See footnotes at end of table.
Table 28. Long-term disability plans: Fixed percent of earnings, private industry workers, National

Compensation Survey, March 2009—Continued

(All workers with a fixed percent of earnings long-term disability coverage = 100 percent)

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings

Less than

60 percent 60 percent 61 to 66percent 67 percent

Greater

than 67

percent

Financial activities ............................................. 16 58 17 6 2 60.1 60.0

Finance and insurance .................................. 15 57 19 7 2 60.4 60.0

Credit intermediation and related activities 13 54 22 9 2 60.9 60.0

Insurance carriers and related activities .... 19 61 14 4 2 59.7 60.0

Real estate and rental and leasing ................ 24 68 – – – 58.5 60.0

Professional and business services .................. 18 60 15 8 – 59.2 60.0

Professional and technical services .............. 12 60 17 10 – 60.1 60.0

Administrative and waste services ................ – 56 – 6 – 58.0 60.0

Education and health services ........................... 27 63 4 5 1 57.6 60.0

Educational services ...................................... 8 74 7 8 3 60.7 60.0

Junior colleges, colleges, and universities 8 74 8 8 2 60.2 60.0

Health care and social assistance ................. 32 60 4 4 – 56.8 60.0

Other services ................................................... 18 75 3 – – 58.5 60.0

1 to 99 workers ...................................................... 16 66 10 7 1 59.7 60.0

1 to 49 workers .................................................. 16 65 11 6 1 59.6 60.0

50 to 99 workers ................................................ 15 68 8 7 2 59.7 60.0

100 workers or more .............................................. 25 60 9 5 1 58.2 60.0

100 to 499 workers ............................................ 15 67 10 7 1 59.5 60.0

500 workers or more .......................................... 33 55 7 3 2 57.3 60.0

Geographic areas

New England ......................................................... 19 61 7 11 1 59.0 60.0

Middle Atlantic ....................................................... 18 67 9 4 2 59.2 60.0

East North Central ................................................. 20 67 6 5 2 58.9 60.0

West North Central ................................................ 14 68 9 7 1 59.5 60.0

South Atlantic ........................................................ 21 65 9 4 1 58.5 60.0

East South Central ................................................ – – 3 – – 55.8 60.0

West South Central ............................................... 19 63 8 8 2 58.7 60.0

Mountain ................................................................ 21 65 13 1 – 58.3 60.0

Pacific .................................................................... 26 49 16 6 3 59.3 60.0

1 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals.

Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 28. Standard errors for long-term disability plans: Fixed percent of earnings, private industry

workers, National Compensation Survey, March 2009

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings

Less than

60 percent 60 percent 61 to 66percent 67 percent

Greater

than 67

percent

All workers ............................................................. 1.9 1.7 0.5 0.4 0.2 0.2 0.0

Worker characteristics

Management, professional, and related ................ 1.3 1.6 0.8 0.7 0.2 0.2 0.0

Management, business, and financial ............... 1.5 2.0 0.9 0.6 0.5 0.2 0.0

Professional and related .................................... 1.6 1.9 1.0 1.1 0.3 0.2 0.0

Service ................................................................... 10.8 9.1 1.5 1.2 – 1.3 4.6

Protective service .............................................. – 11.6 – – – 1.3 0.0

Sales and office ..................................................... 1.2 1.3 0.9 0.6 0.3 0.2 0.0

Sales and related ............................................... 3.3 3.0 1.7 1.3 0.3 0.4 0.0

Office and administrative support ...................... 1.1 1.4 0.9 0.6 0.4 0.2 0.0

Natural resources, construction, and maintenance 3.9 3.7 0.7 1.1 0.2 0.4 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................. – 6.7 – 2.0 – 0.7 0.0

Installation, maintenance, and repair ................. 4.6 4.1 0.8 1.3 0.3 0.5 0.0

Production, transportation, and material moving ... 1.6 2.2 1.2 0.7 0.8 0.3 0.0

Production ......................................................... 2.0 3.1 2.0 – – 0.3 0.0

Transportation and material moving .................. 2.4 2.4 0.9 0.9 0.9 0.5 0.0

Full time ................................................................. 2.0 1.8 0.5 0.5 0.2 0.2 0.0

Part time ................................................................ 3.9 5.7 2.5 1.2 0.9 0.5 0.0

Union ..................................................................... 4.6 4.3 1.0 1.5 1.2 0.6 0.0

Nonunion ............................................................... 1.8 1.7 0.6 0.5 0.2 0.2 0.0

Wage percentiles:1

Lowest 10 percent ............................................. 20.0 – – – – 1.9 2.2

Lowest 25 percent ............................................. – 9.8 1.9 1.7 – 1.4 0.0

Second 25 percent ............................................ 2.7 2.5 0.8 1.0 0.3 0.4 0.0

Third 25 percent ................................................ 1.3 1.5 0.8 0.6 0.3 0.2 0.0

Highest 25 percent ............................................ 1.5 1.5 0.8 0.6 0.3 0.2 0.0

Highest 10 percent ............................................ 1.8 1.8 1.2 0.9 0.4 0.3 0.0

Establishment characteristics

Goods-producing industries ................................... 1.6 1.9 1.1 0.7 0.5 0.2 0.0

Construction ...................................................... – 4.8 – 2.6 – 0.4 0.0

Manufacturing .................................................... 1.7 2.1 1.3 0.8 0.6 0.2 0.0

Service-providing industries .................................. 2.3 2.1 0.6 0.5 0.2 0.3 0.0

Trade, transportation, and utilities ..................... 1.7 1.7 1.0 0.7 0.6 0.3 0.0

Wholesale trade ............................................. 2.0 2.8 1.8 1.2 0.6 0.4 0.0

Retail trade .................................................... 2.3 2.5 2.1 1.5 0.7 0.4 0.0

Transportation and warehousing ................... 4.0 4.2 – 1.7 – 0.9 0.0

Information ......................................................... 3.0 3.6 2.1 1.4 1.3 0.4 0.0

See footnotes at end of table.
Table 28. Standard errors for long-term disability plans: Fixed percent of earnings, private industry

workers, National Compensation Survey, March 2009—Continued

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings

Less than

60 percent 60 percent 61 to 66percent 67 percent

Greater

than 67

percent

Financial activities ............................................. 1.4 1.9 1.3 0.8 0.9 0.2 0.0

Finance and insurance .................................. 1.5 1.9 1.4 0.8 0.4 0.2 0.0

Credit intermediation and related activities 1.9 2.3 1.7 1.1 0.5 0.3 0.0

Insurance carriers and related activities .... 2.6 3.7 2.6 1.2 0.8 0.4 0.0

Real estate and rental and leasing ................ 5.4 7.4 – – – 1.0 0.0

Professional and business services .................. 3.4 3.3 2.2 1.6 – 0.5 0.0

Professional and technical services .............. 3.0 3.9 2.9 2.3 – 0.5 0.0

Administrative and waste services ................ – 9.2 – 2.8 – 1.2 0.0

Education and health services ........................... 2.5 2.7 0.9 1.5 0.2 0.3 0.0

Educational services ...................................... 1.6 2.4 1.2 2.0 0.9 0.4 0.0

Junior colleges, colleges, and universities 2.1 2.4 1.3 1.8 0.2 0.3 0.0

Health care and social assistance ................. 3.2 3.4 1.1 1.8 – 0.4 0.0

Other services ................................................... 4.3 4.8 1.6 – – 0.5 0.0

1 to 99 workers ...................................................... 2.1 2.3 0.9 0.8 0.3 0.3 0.0

1 to 49 workers .................................................. 3.0 3.0 1.4 1.3 0.3 0.4 0.0

50 to 99 workers ................................................ 2.0 2.6 1.3 1.4 1.0 0.4 0.0

100 workers or more .............................................. 2.6 2.2 0.7 0.6 0.3 0.3 0.0

100 to 499 workers ............................................ 1.3 1.8 1.1 1.3 0.5 0.2 0.0

500 workers or more .......................................... 4.0 3.6 0.9 0.6 0.3 0.4 0.0

Geographic areas

New England ......................................................... 2.5 3.1 1.7 1.6 0.4 0.3 0.0

Middle Atlantic ....................................................... 1.6 1.9 0.9 0.6 0.6 0.2 0.0

East North Central ................................................. 2.2 2.3 1.1 0.7 0.5 0.3 0.0

West North Central ................................................ 2.2 3.1 2.5 1.1 0.4 0.3 0.0

South Atlantic ........................................................ 3.4 4.2 1.2 0.6 0.2 0.4 0.0

East South Central ................................................ – – 1.1 – – 1.8 12.3

West South Central ............................................... 2.8 3.8 1.5 2.7 0.9 0.5 0.0

Mountain ................................................................ 4.1 4.6 2.8 0.4 – 0.5 0.0

Pacific .................................................................... 3.2 2.6 1.6 1.3 0.9 0.5 0.0

1 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the threshold. The

percentile values are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical

Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 29. Long-term disability plans: Maximum benefit amounts, private industry workers, National

Compensation Survey, March 2009

(All workers participating in fixed percent of earnings long-term disabilty plans = 100 percent)

Characteristics

With

maximum

benefit

amount

Maximum benefit amount1

With no

maximum

benefit

amount

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. 80 $3,000 $5,000 $8,000 $10,000 $15,000 20

Worker characteristics

Management, professional, and related ................ 81 4,166 5,000 10,000 12,000 15,000 19

Management, business, and financial ............... 81 5,000 6,000 10,000 12,500 18,500 19

Professional and related .................................... 81 4,000 5,000 8,000 10,500 15,000 19

Service ................................................................... 83 3,000 5,000 8,000 10,000 15,000 17

Sales and office ..................................................... 83 3,000 5,000 8,000 10,000 15,000 17

Sales and related ............................................... 86 2,800 5,000 7,000 10,000 16,667 14

Office and administrative support ...................... 82 3,000 5,000 8,500 10,000 15,000 18

Natural resources, construction, and maintenance 80 2,917 4,000 5,000 10,000 15,000 20

Construction, extraction, farming, fishing, and

forestry ............................................................. 82 2,000 4,000 6,000 8,500 15,000 18

Installation, maintenance, and repair ................. 79 3,000 4,000 5,000 10,000 15,000 21

Production, transportation, and material moving ... 74 2,500 5,000 6,000 10,000 13,000 26

Production ......................................................... 78 2,917 5,000 7,500 10,000 15,000 22

Transportation and material moving .................. 68 2,500 5,000 5,400 10,000 10,000 32

Full time ................................................................. 81 3,333 5,000 8,000 10,000 15,000 19

Part time ................................................................ 69 3,000 5,000 6,000 10,000 15,000 31

Union ..................................................................... 66 2,118 4,000 5,000 10,000 15,000 34

Nonunion ............................................................... 82 3,399 5,000 8,000 10,000 15,000 18

Establishment characteristics

Goods-producing industries ................................... 81 2,500 5,000 7,500 10,000 15,000 19

Manufacturing .................................................... 79 2,917 5,000 8,000 11,000 15,000 21

Service-providing industries .................................. 80 4,000 5,000 8,000 10,000 15,000 20

Trade, transportation, and utilities ..................... 73 2,800 5,000 5,400 10,000 15,000 27

Wholesale trade ............................................. 76 3,000 5,000 7,292 10,000 15,000 24

Retail trade .................................................... 87 2,000 3,333 5,000 6,000 10,000 13

Transportation and warehousing ................... 57 3,000 5,000 5,000 8,000 10,000 43

Utilities ........................................................... 69 3,100 5,000 10,000 15,000 15,000 31

Information ......................................................... 82 3,000 4,000 6,000 10,000 15,000 18

Financial activities ............................................. 82 5,000 7,500 10,000 15,000 25,000 18

Finance and insurance .................................. 82 5,000 8,000 10,000 20,000 25,000 18

Credit intermediation and related activities 83 5,000 8,000 10,000 20,000 25,000 17

Insurance carriers and related activities .... 75 5,000 6,000 10,000 15,000 20,000 25

Professional and business services .................. 82 5,000 6,000 10,000 12,500 15,000 18

See footnotes at end of table.
Table 29. Long-term disability plans: Maximum benefit amounts, private industry workers, National

Compensation Survey, March 2009—Continued

(All workers participating in fixed percent of earnings long-term disabilty plans = 100 percent)

Characteristics

With

maximum

benefit

amount

Maximum benefit amount1

With no

maximum

benefit

amount

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Professional and technical services .............. 88 $5,000 $6,000 $10,000 $10,000 $15,000 12

Administrative and waste services ................ 85 3,000 6,000 10,000 15,000 17,300 15

Education and health services ........................... 82 3,000 5,000 6,000 10,000 15,000 18

Educational services ...................................... 84 4,000 5,000 6,000 10,000 14,000 16

Junior colleges, colleges, and universities 87 4,000 5,000 7,500 10,000 15,000 13

Health care and social assistance ................. 82 3,000 5,000 6,000 10,000 15,000 18

Other services ................................................... 66 3,000 4,000 5,000 10,000 10,000 34

1 to 99 workers ...................................................... 82 3,000 5,000 6,000 10,000 15,000 18

1 to 49 workers .................................................. 82 3,000 5,000 6,000 10,000 15,000 18

50 to 99 workers ................................................ 83 3,000 5,000 6,000 10,000 10,000 17

100 workers or more .............................................. 80 4,000 5,000 10,000 12,000 15,000 20

100 to 499 workers ............................................ 84 3,500 5,000 7,500 10,000 15,000 16

500 workers or more .......................................... 76 4,000 6,000 10,000 15,000 17,300 24

Geographic areas

New England ......................................................... 82 3,100 5,000 7,500 10,000 15,000 18

Middle Atlantic ....................................................... 80 3,000 5,000 7,500 10,000 15,000 20

East North Central ................................................. 74 3,000 5,000 6,500 10,000 15,000 26

West North Central ................................................ 85 4,000 5,000 8,000 10,000 15,000 15

South Atlantic ........................................................ 83 3,000 5,000 7,500 10,000 15,000 17

West South Central ............................................... 76 3,000 5,000 8,500 10,000 15,000 24

Mountain ................................................................ 81 5,000 5,000 7,500 10,000 15,000 19

Pacific .................................................................... 81 4,000 5,000 10,000 12,500 17,300 19

1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within

each published series. For example, at the 50th percentile or median, half of

the participating workers receive the same as or more than the benefit shown,

and half receive the same as or less than the benefit shown. At the 25th

percentile, one-fourth of the participating workers receive the same or less

than the benefit shown. The remaining percentiles follow the same logic.

NOTE: Because of rounding, sums of individual items may not equal totals. For

definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 29. Standard errors for long-term disability plans: Maximum benefit amounts, private industry

workers, National Compensation Survey, March 2009

Characteristics

With

maximum

benefit

amount

Maximum benefit amount1

With no

maximum

benefit

amount

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. 0.9 $332.73 $0.00 $663.27 $0.00 $0.00 0.9

Worker characteristics

Management, professional, and related ................ 1.2 931.22 322.59 790.09 918.26 685.35 1.2

Management, business, and financial ............... 1.5 0.00 0.00 0.00 2,618.98 2,015.35 1.5

Professional and related .................................... 1.5 211.17 0.00 863.24 1,348.09 0.00 1.5

Service ................................................................... 3.9 416.95 0.00 3,186.42 0.00 1,985.11 3.9

Sales and office ..................................................... 1.2 0.00 0.00 649.31 0.00 220.91 1.2

Sales and related ............................................... 1.6 438.78 0.00 676.28 0.00 4,452.04 1.6

Office and administrative support ...................... 1.4 624.54 0.00 1,706.38 838.20 0.00 1.4

Natural resources, construction, and maintenance 2.9 274.45 0.00 469.13 0.00 3,492.85 2.9

Construction, extraction, farming, fishing, and

forestry ............................................................. 3.5 312.10 1,805.55 1,343.73 1,590.02 3,707.20 3.5

Installation, maintenance, and repair ................. 3.9 379.46 0.00 285.47 0.00 3,778.09 3.9

Production, transportation, and material moving ... 2.0 80.24 0.00 1,181.64 0.00 1,430.90 2.0

Production ......................................................... 2.6 628.13 0.00 685.52 0.00 815.85 2.6

Transportation and material moving .................. 2.6 164.75 0.00 907.33 2,776.56 0.00 2.6

Full time ................................................................. 1.0 577.20 0.00 575.02 0.00 0.00 1.0

Part time ................................................................ 2.9 0.00 2,296.96 1,389.09 2,423.70 2,083.16 2.9

Union ..................................................................... 3.5 719.01 0.00 0.00 1,573.79 3,495.95 3.5

Nonunion ............................................................... 1.0 655.41 0.00 431.91 0.00 0.00 1.0

Establishment characteristics

Goods-producing industries ................................... 2.5 569.24 0.00 321.27 758.05 0.00 2.5

Manufacturing .................................................... 2.8 694.40 0.00 430.39 814.26 0.00 2.8

Service-providing industries .................................. 1.0 840.57 0.00 579.50 0.00 174.64 1.0

Trade, transportation, and utilities ..................... 1.6 359.27 0.00 856.26 0.00 0.00 1.6

Wholesale trade ............................................. 2.9 1,445.27 0.00 491.31 0.00 0.00 2.9

Retail trade .................................................... 2.2 36.66 727.13 0.00 1,073.44 0.00 2.2

Transportation and warehousing ................... 3.7 760.93 0.00 987.93 644.05 0.00 3.7

Utilities ........................................................... 5.1 361.78 780.52 6,118.97 0.00 1,104.54 5.1

Information ......................................................... 4.5 1,158.45 0.00 987.93 2,595.07 0.00 4.5

Financial activities ............................................. 1.8 0.00 135.28 0.00 0.00 0.00 1.8

Finance and insurance .................................. 2.0 0.00 707.18 0.00 6,390.99 0.00 2.0

Credit intermediation and related activities 1.5 0.00 968.42 0.00 0.00 0.00 1.5

Insurance carriers and related activities .... 4.7 411.72 1,968.12 0.00 475.08 0.00 4.7

Professional and business services .................. 2.1 0.00 324.53 0.00 3,492.85 1,909.76 2.1

See footnotes at end of table.
Table 29. Standard errors for long-term disability plans: Maximum benefit amounts, private industry

workers, National Compensation Survey, March 2009—Continued

Characteristics

With

maximum

benefit

amount

Maximum benefit amount1

With no

maximum

benefit

amount

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Professional and technical services .............. 2.2 $0.00 $529.48 $312.41 $2,655.48 $0.00 2.2

Administrative and waste services ................ 3.8 2,755.81 962.91 390.51 2,360.66 359.27 3.8

Education and health services ........................... 1.9 760.77 0.00 156.20 0.00 1,254.51 1.9

Educational services ...................................... 2.0 0.00 0.00 484.61 0.00 2,134.64 2.0

Junior colleges, colleges, and universities 1.6 664.26 0.00 724.29 0.00 270.55 1.6

Health care and social assistance ................. 2.5 468.61 0.00 182.16 0.00 1,214.99 2.5

Other services ................................................... 6.4 0.00 1,925.82 859.13 2,947.27 0.00 6.4

1 to 99 workers ...................................................... 1.3 0.00 0.00 0.00 0.00 156.20 1.3

1 to 49 workers .................................................. 1.9 0.00 0.00 207.94 0.00 0.00 1.9

50 to 99 workers ................................................ 2.1 172.66 0.00 0.00 0.00 1,852.95 2.1

100 workers or more .............................................. 1.3 638.79 0.00 552.82 1,051.80 978.98 1.3

100 to 499 workers ............................................ 1.4 647.65 0.00 302.49 0.00 0.00 1.4

500 workers or more .......................................... 2.2 484.43 1,206.23 0.00 568.59 1,934.39 2.2

Geographic areas

New England ......................................................... 3.4 1,515.12 0.00 792.65 0.00 0.00 3.4

Middle Atlantic ....................................................... 2.1 0.00 0.00 174.64 1,071.43 0.00 2.1

East North Central ................................................. 2.1 507.14 0.00 904.39 0.00 0.00 2.1

West North Central ................................................ 2.7 1,100.81 0.00 2,383.47 1,245.97 2,461.06 2.7

South Atlantic ........................................................ 2.5 839.87 0.00 311.44 1,267.40 0.00 2.5

West South Central ............................................... 2.5 1,210.56 0.00 1,741.96 0.00 0.00 2.5

Mountain ................................................................ 2.6 1,386.26 987.93 1,717.45 2,500.50 5,838.39 2.6

Pacific .................................................................... 1.7 0.00 78.10 0.00 4,040.00 2,320.20 1.7

1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th percentile or median, half of the

participating workers receive the same as or more than the benefit shown, and half receive the same as or less than the benefit shown. At the 25th percentile,

one-fourth of the participating workers receive the same or less than the benefit shown. The remaining percentiles follow the same logic.

NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 30. Leave benefits: Access, private industry workers, National

Compensation Survey, March 2009

(All workers = 100 percent)

Characteristics Paid

holidays

Paid sick

leave

Paid

vacations

Paid jury

duty

leave

All workers ............................................................. 77 61 78 70

Worker characteristics

Management, professional, and related ................ 89 84 87 86

Management, business, and financial ............... 96 89 96 89

Professional and related .................................... 85 82 83 85

Service ................................................................... 53 42 61 51

Protective service .............................................. 59 35 65 62

Sales and office ..................................................... 81 66 80 73

Sales and related ............................................... 71 56 72 67

Office and administrative support ...................... 88 74 86 78

Natural resources, construction, and maintenance 77 49 76 56

Construction, extraction, farming, fishing, and

forestry ............................................................. 64 33 63 42

Installation, maintenance, and repair ................. 91 67 91 72

Production, transportation, and material moving ... 84 52 83 70

Production ......................................................... 91 52 90 72

Transportation and material moving .................. 78 52 76 67

Full time ................................................................. 89 73 91 78

Part time ................................................................ 39 26 38 44

Union ..................................................................... 86 69 85 83

Nonunion ............................................................... 76 61 77 68

Wage percentiles:1

Lowest 10 percent ............................................. 36 21 42 37

Lowest 25 percent ............................................. 52 33 55 47

Second 25 percent ............................................ 84 64 85 73

Third 25 percent ................................................ 89 73 89 78

Highest 25 percent ............................................ 88 81 88 85

Highest 10 percent ............................................ 88 84 88 88

Establishment characteristics

Goods-producing industries ................................... 87 52 86 70

Construction ...................................................... 66 35 65 41

Manufacturing .................................................... 95 59 95 81

Service-providing industries .................................. 75 63 76 70

Trade, transportation, and utilities ..................... 79 61 79 72

Wholesale trade ............................................. 93 77 93 77

Retail trade .................................................... 73 52 73 67

Transportation and warehousing ................... 80 66 83 78

Utilities ........................................................... 98 94 96 92

See footnotes at end of table.
Table 30. Leave benefits: Access, private industry workers, National

Compensation Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics Paid

holidays

Paid sick

leave

Paid

vacations

Paid jury

duty

leave

Information ......................................................... 92 89 90 90

Financial activities ............................................. 92 88 92 88

Finance and insurance .................................. 94 91 94 92

Credit intermediation and related activities 96 93 96 93

Insurance carriers and related activities .... 93 89 94 92

Real estate and rental and leasing ................ 85 81 83 75

Professional and business services .................. 81 64 77 68

Professional and technical services .............. 89 84 90 82

Administrative and waste services ................ 68 38 59 47

Education and health services ........................... 82 77 80 82

Educational services ...................................... 64 76 54 82

Junior colleges, colleges, and universities 81 82 73 93

Health care and social assistance ................. 84 77 84 82

Leisure and hospitality ....................................... 39 31 53 39

Accommodation and food services ................ 37 30 53 37

Other services ................................................... 71 55 71 56

1 to 99 workers ...................................................... 69 52 71 58

1 to 49 workers .................................................. 68 51 69 55

50 to 99 workers ................................................ 74 54 76 65

100 workers or more .............................................. 86 72 86 83

100 to 499 workers ............................................ 84 67 84 79

500 workers or more .......................................... 89 80 90 89

Geographic areas

New England ......................................................... 78 70 77 80

Middle Atlantic ....................................................... 81 67 79 79

East North Central ................................................. 77 56 78 71

West North Central ................................................ 75 62 77 67

South Atlantic ........................................................ 78 59 80 71

East South Central ................................................ 77 55 79 68

West South Central ............................................... 80 61 79 67

Mountain ................................................................ 74 59 75 63

Pacific .................................................................... 74 65 77 61

1 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 30. Standard errors for leave benefits: Access, private industry

workers, National Compensation Survey, March 2009

Characteristics Paid

holidays

Paid sick

leave

Paid

vacations

Paid jury

duty

leave

All workers ............................................................. 0.6 0.6 0.5 0.6

Worker characteristics

Management, professional, and related ................ 0.6 0.9 0.7 0.9

Management, business, and financial ............... 0.6 0.9 0.6 1.1

Professional and related .................................... 0.9 1.1 0.9 1.1

Service ................................................................... 2.0 1.6 1.9 1.8

Protective service .............................................. 5.5 4.9 5.6 5.2

Sales and office ..................................................... 0.7 0.8 0.6 0.8

Sales and related ............................................... 1.0 1.1 1.0 1.1

Office and administrative support ...................... 0.9 1.2 0.8 1.0

Natural resources, construction, and maintenance 1.2 1.5 1.2 1.5

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.2 1.9 2.1 2.0

Installation, maintenance, and repair ................. 1.1 2.0 1.1 1.6

Production, transportation, and material moving ... 0.9 1.2 1.0 1.1

Production ......................................................... 1.0 1.7 1.1 1.5

Transportation and material moving .................. 1.4 1.6 1.6 1.7

Full time ................................................................. 0.4 0.7 0.3 0.5

Part time ................................................................ 1.3 1.1 1.2 1.2

Union ..................................................................... 1.2 1.4 1.1 1.4

Nonunion ............................................................... 0.6 0.6 0.6 0.6

Wage percentiles:1

Lowest 10 percent ............................................. 3.0 2.6 2.6 2.1

Lowest 25 percent ............................................. 1.4 1.2 1.3 1.2

Second 25 percent ............................................ 0.9 1.1 0.7 0.8

Third 25 percent ................................................ 0.5 0.9 0.7 0.8

Highest 25 percent ............................................ 0.7 1.0 0.7 0.8

Highest 10 percent ............................................ 0.9 1.4 1.1 1.2

Establishment characteristics

Goods-producing industries ................................... 0.7 1.3 0.8 1.1

Construction ...................................................... 2.3 1.8 2.1 1.8

Manufacturing .................................................... 0.6 1.8 0.7 1.2

Service-providing industries .................................. 0.7 0.7 0.6 0.7

Trade, transportation, and utilities ..................... 0.8 1.0 0.7 1.0

Wholesale trade ............................................. 1.0 1.8 1.0 2.1

Retail trade .................................................... 1.1 1.2 0.9 1.1

Transportation and warehousing ................... 2.8 2.8 2.2 2.4

Utilities ........................................................... 1.1 2.2 1.9 4.3

See footnotes at end of table.
Table 30. Standard errors for leave benefits: Access, private industry

workers, National Compensation Survey, March 2009—Continued

Characteristics Paid

holidays

Paid sick

leave

Paid

vacations

Paid jury

duty

leave

Information ......................................................... 1.8 1.8 2.1 1.9

Financial activities ............................................. 0.9 1.1 0.9 0.8

Finance and insurance .................................. 0.6 0.9 0.6 0.7

Credit intermediation and related activities 0.5 0.9 0.5 1.0

Insurance carriers and related activities .... 1.1 1.5 1.0 1.2

Real estate and rental and leasing ................ 2.8 3.1 2.6 3.2

Professional and business services .................. 1.7 1.8 1.6 1.9

Professional and technical services .............. 1.6 1.8 1.3 1.9

Administrative and waste services ................ 3.2 3.2 2.6 3.2

Education and health services ........................... 1.1 1.4 1.3 1.3

Educational services ...................................... 3.0 2.4 3.2 3.0

Junior colleges, colleges, and universities 1.3 1.3 1.6 0.8

Health care and social assistance ................. 1.1 1.6 1.2 1.4

Leisure and hospitality ....................................... 5.0 3.7 4.0 3.6

Accommodation and food services ................ 5.3 4.6 4.2 4.3

Other services ................................................... 2.7 2.8 2.4 3.4

1 to 99 workers ...................................................... 0.7 0.8 0.8 0.8

1 to 49 workers .................................................. 0.9 1.0 0.9 1.0

50 to 99 workers ................................................ 1.6 2.1 1.4 1.9

100 workers or more .............................................. 0.8 0.9 0.6 0.8

100 to 499 workers ............................................ 1.0 1.2 1.0 1.2

500 workers or more .......................................... 1.0 1.2 0.9 1.1

Geographic areas

New England ......................................................... 0.6 1.6 1.0 2.0

Middle Atlantic ....................................................... 0.9 1.8 0.8 1.3

East North Central ................................................. 1.0 1.4 1.0 1.1

West North Central ................................................ 1.9 1.6 1.8 2.0

South Atlantic ........................................................ 1.3 1.5 1.2 1.8

East South Central ................................................ 5.6 4.4 4.7 3.5

West South Central ............................................... 1.3 2.2 1.6 1.4

Mountain ................................................................ 3.0 2.2 2.3 2.1

Pacific .................................................................... 1.4 1.7 1.4 1.4

1 The percentile groupings are based on the average wage for each occupation surveyed, which may

include workers both above and below the threshold. The percentile values are based on the estimates

published in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 31. Paid holidays: Number of days provided, private industry workers, National Compensation Survey, March

2009

(All workers with paid holidays = 100 percent)

Characteristics

Paid holidays

Mean

number of

days

Median

number of

days

Less

than 6

days

6

days

7

days

8

days

9

days

10

days

11

days

12

days

13

days

14

days

Greater

than 14

days

All workers ............................................................. 10 24 13 13 9 14 7 4 1 1 2 8 8

Worker characteristics

Management, professional, and related ................ 2 16 13 15 11 20 10 7 2 1 3 9 9

Management, business, and financial ............... 1 12 10 13 11 25 11 8 3 2 4 10 10

Professional and related .................................... 3 17 15 16 11 17 9 7 2 1 3 9 8

Service ................................................................... 24 27 13 13 6 6 5 3 1 1 () 2 7 6

Protective service .............................................. – 35 – – – – 3 2 – – – 7 7

Sales and office ..................................................... 10 31 12 12 9 15 5 3 1 1 () 1 8 7

Sales and related ............................................... 18 45 11 8 6 7 3 2 1 ( ) 1 () – 7 6

Office and administrative support ...................... 6 24 13 15 10 19 7 3 1 1 () 1 8 8

Natural resources, construction, and maintenance 12 28 18 13 8 10 6 2 1 1 () 1 7 7

Construction, extraction, farming, fishing, and

forestry ............................................................. 18 31 15 13 9 8 3 1 1 – 1 7 7

Installation, maintenance, and repair ................. 8 26 20 13 8 11 8 4 2 1 () 1 8 7

Production, transportation, and material moving ... 9 22 12 14 12 13 9 4 2 1 3 8 8

Production ......................................................... 7 14 13 13 12 15 11 6 3 1 4 9 9

Transportation and material moving .................. 12 31 12 15 10 11 5 2 1 1 1 7 7

Full time ................................................................. 7 23 13 14 10 15 8 5 2 1 2 8 8

Part time ................................................................ 29 35 10 9 5 8 3 2 1 () – – 6 6

Union ..................................................................... 3 15 11 14 11 15 12 7 4 2 6 9 9

Nonunion ............................................................... 11 26 13 13 9 14 7 4 1 1 2 8 8

Wage percentiles:2

Lowest 10 percent ............................................. 42 29 11 8 5 2 – – – – – 5 6

Lowest 25 percent ............................................. 27 35 12 10 6 5 3 1 1 () – – 6 6

Second 25 percent ............................................ 10 31 14 15 9 12 6 2 1 1 () 1 8 7

Third 25 percent ................................................ 6 21 13 15 10 16 9 5 2 1 2 8 8

Highest 25 percent ............................................ 3 14 12 14 11 21 10 7 2 1 4 9 9

Highest 10 percent ............................................ 1 11 10 13 12 23 12 9 3 1 3 9 10

Establishment characteristics

Goods-producing industries ................................... 7 16 10 13 13 17 11 6 3 1 3 9 9

Construction ...................................................... 18 35 17 14 8 3 3 – 1 – – 7 6

Manufacturing .................................................... 4 10 9 12 13 19 14 9 4 1 4 10 10

Service-providing industries .................................. 11 27 14 14 9 14 6 4 1 1 2 8 7

Trade, transportation, and utilities ..................... 14 39 12 10 8 9 4 2 1 1 () 1 7 6

Wholesale trade ............................................. 3 21 20 16 12 14 5 4 – 1 3 8 8

Retail trade .................................................... 21 54 10 6 4 2 1 1 – – – 6 6

Transportation and warehousing ................... 8 23 8 17 13 19 8 3 1 – – 8 8

Utilities ........................................................... – – – 6 20 16 16 – 16 – – 10 11

See footnotes at end of table.
Table 31. Paid holidays: Number of days provided, private industry workers, National Compensation Survey, March

2009—Continued

(All workers with paid holidays = 100 percent)

Characteristics

Paid holidays

Mean

number of

days

Median

number of

days

Less

than 6

days

6

days

7

days

8

days

9

days

10

days

11

days

12

days

13

days

14

days

Greater

than 14

days

Information ......................................................... – 14 34 13 8 15 12 4 – – – 8 8

Financial activities ............................................. 1 12 8 13 12 36 11 4 1 1 1 9 10

Finance and insurance .................................. 1 9 6 14 13 42 9 5 1 – 1 ( ) 9 10

Credit intermediation and related activities – 11 4 6 7 59 7 3 2 – 1 ( ) 9 10

Insurance carriers and related activities .... – 7 12 26 17 20 10 7 – – – 9 9

Real estate and rental and leasing ................ 4 22 13 11 12 11 21 – – – – 8 9

Professional and business services .................. 7 19 12 17 11 19 6 6 – – 2 8 8

Professional and technical services .............. 2 7 13 23 15 24 7 8 – – – 9 9

Administrative and waste services ................ 16 35 12 12 6 10 4 2 – – – 7 6

Education and health services ........................... 6 29 16 15 8 9 6 4 2 1 4 8 7

Educational services ...................................... 2 1 3 7 5 13 19 14 9 8 17 12 11

Junior colleges, colleges, and universities 1 1 2 7 5 8 22 15 11 12 17 12 12

Health care and social assistance ................. 6 33 18 16 8 9 5 2 1 1 () 3 8 7

Leisure and hospitality ....................................... 41 16 14 15 4 4 5 – – – – 6 6

Accommodation and food services ................ 47 16 13 14 4 2 3 – – – – 5 6

Other services ................................................... 10 24 13 14 8 12 5 6 4 2 2 8 8

1 to 99 workers ...................................................... 14 26 16 13 9 13 5 2 1 1 1 7 7

1 to 49 workers .................................................. 14 26 15 13 9 14 4 2 1 1 1 7 7

50 to 99 workers ................................................ 12 26 17 12 10 12 6 3 1 – 1 7 7

100 workers or more .............................................. 7 23 11 14 10 15 9 6 2 1 3 9 8

100 to 499 workers ............................................ 8 26 11 14 10 13 9 5 2 1 () 2 8 8

500 workers or more .......................................... 5 19 10 14 9 18 10 7 3 1 4 9 9

Geographic areas

New England ......................................................... 6 15 7 9 10 24 15 9 2 1 3 9 10

Middle Atlantic ....................................................... 8 19 12 12 10 14 10 7 2 1 4 9 8

East North Central ................................................. 6 27 16 12 10 13 5 3 2 1 4 8 8

West North Central ................................................ 7 32 16 14 7 10 9 2 1 – 1 8 7

South Atlantic ........................................................ 13 27 13 12 9 15 5 4 1 1 () 1 8 7

East South Central ................................................ 22 27 12 17 6 8 4 2 – – – 7 7

West South Central ............................................... 14 24 12 12 12 14 7 3 1 1 () – 8 7

Mountain ................................................................ 9 26 13 20 9 11 7 3 2 – 1 () 8 8

Pacific .................................................................... 9 20 13 17 10 18 7 4 1 1 () 1 8 8

1 Less than 0.5 percent. 2 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dash

indicates no workers in this category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 31. Standard errors for paid holidays: Number of days provided, private industry workers, National Compensation

Survey, March 2009

Characteristics

Paid holidays

Mean

number of

days

Median

number of

days

Less

than 6

days

6

days

7

days

8

days

9

days

10

days

11

days

12

days

13

days

14

days

Greater

than 14

days

All workers ............................................................. 0.6 0.6 0.6 0.5 0.4 0.5 0.3 0.3 0.1 0.1 0.2 0.1 0.0

Worker characteristics

Management, professional, and related ................ 0.5 0.8 0.9 1.0 0.7 1.1 0.7 0.6 0.2 0.2 0.6 0.1 0.0

Management, business, and financial ............... 0.3 0.9 0.8 1.1 0.8 1.5 1.2 0.8 0.4 0.4 1.2 0.3 0.1

Professional and related .................................... 0.6 1.0 1.2 1.3 1.0 1.4 0.7 0.8 0.2 0.2 0.4 0.1 0.6

Service ................................................................... 2.4 1.4 1.3 1.2 1.1 0.9 0.9 0.5 0.1 1 ( ) 0.6 0.2 1.2

Protective service .............................................. – 6.5 – – – – 1.4 0.6 – – – 0.3 0.5

Sales and office ..................................................... 0.6 1.0 0.8 0.7 0.5 0.6 0.4 0.2 0.2 1 ( ) 0.1 0.0 0.0

Sales and related ............................................... 1.2 1.5 1.0 0.8 0.6 0.8 0.4 0.4 1 ( ) 1 ( ) – 0.1 0.0

Office and administrative support ...................... 0.7 1.1 1.0 0.9 0.7 0.8 0.5 0.3 0.2 1 ( ) 0.2 0.1 0.0

Natural resources, construction, and maintenance 1.2 1.6 1.2 1.2 0.8 0.9 0.5 0.3 0.4 1 ( ) 0.2 0.1 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.1 2.3 1.9 1.7 1.6 1.1 0.5 0.2 0.3 – 0.2 0.1 0.9

Installation, maintenance, and repair ................. 1.2 1.8 1.6 1.6 0.8 1.2 0.8 0.5 0.6 1 ( ) 0.2 0.1 0.0

Production, transportation, and material moving ... 0.9 1.2 0.8 0.9 0.9 0.7 0.6 0.6 0.4 0.2 0.3 0.1 0.0

Production ......................................................... 1.1 1.7 1.2 1.2 1.2 1.0 0.9 0.9 0.7 0.3 0.5 0.1 0.0

Transportation and material moving .................. 1.3 1.8 1.2 1.2 1.0 1.0 0.7 0.4 0.2 0.2 0.3 0.1 0.0

Full time ................................................................. 0.6 0.6 0.6 0.5 0.4 0.6 0.4 0.3 0.2 0.1 0.2 0.1 0.0

Part time ................................................................ 1.8 1.8 1.0 0.9 0.7 0.9 0.7 0.3 1 ( ) – – 0.1 0.0

Union ..................................................................... 0.8 1.3 1.0 1.2 1.4 1.4 1.6 0.8 0.6 0.3 0.6 0.1 0.0

Nonunion ............................................................... 0.7 0.7 0.6 0.5 0.4 0.6 0.4 0.3 0.1 0.1 0.2 0.1 0.5

Wage percentiles:2

Lowest 10 percent ............................................. 3.9 2.4 2.1 1.5 1.8 0.5 – – – – – 0.3 0.0

Lowest 25 percent ............................................. 1.8 1.2 1.1 0.9 0.8 0.7 0.6 0.3 1 ( ) – – 0.1 0.0

Second 25 percent ............................................ 0.7 1.0 0.7 0.8 0.7 0.6 0.5 0.2 0.1 1 ( ) 0.2 0.1 0.0

Third 25 percent ................................................ 0.4 0.7 0.8 0.7 0.6 0.7 0.6 0.4 0.3 0.2 0.2 0.1 0.0

Highest 25 percent ............................................ 0.3 0.7 0.6 0.8 0.6 1.1 0.7 0.6 0.3 0.2 0.5 0.1 0.0

Highest 10 percent ............................................ 0.3 1.2 1.0 1.1 0.9 1.4 1.1 0.7 0.3 0.2 0.7 0.1 0.3

Establishment characteristics

Goods-producing industries ................................... 0.7 1.1 0.8 0.9 0.9 0.9 0.8 0.7 0.5 0.2 0.4 0.1 0.0

Construction ...................................................... 2.2 2.4 1.9 1.6 1.2 0.8 0.7 – 0.3 – – 0.1 0.0

Manufacturing .................................................... 0.7 1.3 0.9 1.0 1.2 1.2 1.1 1.0 0.7 0.3 0.6 0.1 0.3

Service-providing industries .................................. 0.8 0.7 0.6 0.6 0.5 0.6 0.4 0.3 0.1 0.1 0.3 0.1 0.1

Trade, transportation, and utilities ..................... 0.8 1.0 0.8 0.8 0.6 0.6 0.5 0.3 0.2 1 ( ) 0.2 0.1 0.0

Wholesale trade ............................................. 0.7 1.9 2.1 1.8 1.5 1.5 1.0 0.7 – 0.4 0.7 0.1 0.1

Retail trade .................................................... 1.1 1.5 1.0 0.9 0.5 0.6 0.2 0.2 – – – 0.1 0.0

Transportation and warehousing ................... 1.9 2.3 1.8 2.6 2.3 2.1 1.9 0.9 0.3 – – 0.1 0.0

Utilities ........................................................... – – – 1.9 4.9 3.3 3.0 – 4.4 – – 0.2 1.2

See footnotes at end of table.
Table 31. Standard errors for paid holidays: Number of days provided, private industry workers, National Compensation

Survey, March 2009—Continued

Characteristics

Paid holidays

Mean

number of

days

Median

number of

days

Less

than 6

days

6

days

7

days

8

days

9

days

10

days

11

days

12

days

13

days

14

days

Greater

than 14

days

Information ......................................................... – 1.9 2.8 2.1 1.6 2.4 3.0 1.0 – – – 0.1 0.7

Financial activities ............................................. 0.4 0.9 1.1 1.0 0.9 1.4 1.1 0.5 0.3 0.1 0.3 0.1 0.0

Finance and insurance .................................. 0.3 0.9 1.3 1.0 0.9 1.6 1.0 0.6 0.3 – 1 ( ) 0.1 0.0

Credit intermediation and related activities – 1.4 0.9 1.0 0.9 1.9 0.9 0.8 0.4 – 1 ( ) 0.1 0.0

Insurance carriers and related activities .... – 1.4 3.1 2.3 2.1 1.9 1.3 1.3 – – – 0.1 0.1

Real estate and rental and leasing ................ 1.6 3.8 3.3 2.7 2.7 3.3 4.5 – – – – 0.3 0.8

Professional and business services .................. 1.1 1.7 1.6 1.6 1.4 2.0 1.1 1.3 – – 0.6 0.1 0.0

Professional and technical services .............. 0.6 1.3 2.1 2.6 2.1 2.6 1.4 2.2 – – – 0.1 0.4

Administrative and waste services ................ 2.5 3.6 2.3 2.2 1.6 2.2 1.5 0.9 – – – 0.2 0.8

Education and health services ........................... 0.8 1.9 1.6 1.6 1.2 1.2 1.0 0.5 0.3 0.2 1.0 0.3 0.5

Educational services ...................................... 0.8 0.3 1.1 1.3 1.1 2.4 3.0 2.1 1.5 1.7 2.5 0.2 0.6

Junior colleges, colleges, and universities 0.3 0.3 0.7 1.4 0.8 1.3 4.2 2.2 1.5 2.5 2.4 0.2 0.5

Health care and social assistance ................. 0.9 2.1 1.8 1.9 1.4 1.3 1.0 0.5 0.2 1 ( ) 1.0 0.3 0.0

Leisure and hospitality ....................................... 3.1 2.4 3.0 2.3 1.4 1.1 1.7 – – – – 0.3 0.0

Accommodation and food services ................ 3.4 3.3 3.2 2.0 1.5 1.1 1.5 – – – – 0.3 0.0

Other services ................................................... 1.9 2.9 2.0 2.1 1.8 2.6 1.5 1.8 1.4 0.9 0.8 0.2 0.5

1 to 99 workers ...................................................... 0.6 0.8 0.9 0.8 0.6 0.7 0.4 0.4 0.1 0.1 0.2 0.1 0.0

1 to 49 workers .................................................. 0.8 1.0 1.1 0.9 0.8 1.0 0.5 0.4 0.2 0.2 0.3 0.1 0.0

50 to 99 workers ................................................ 1.0 1.4 1.5 1.5 1.3 1.0 0.9 1.1 0.2 – 0.3 0.1 0.0

100 workers or more .............................................. 1.0 0.8 0.6 0.6 0.6 0.7 0.6 0.4 0.3 0.1 0.5 0.1 0.0

100 to 499 workers ............................................ 0.8 1.1 0.8 0.9 0.9 0.8 0.7 0.6 0.3 1 ( ) 0.7 0.2 0.0

500 workers or more .......................................... 2.2 1.1 1.0 0.9 1.1 1.3 1.0 0.7 0.4 0.3 0.5 0.2 0.5

Geographic areas

New England ......................................................... 0.7 1.4 0.9 1.5 1.3 1.6 1.6 1.7 0.6 0.1 0.6 0.1 0.2

Middle Atlantic ....................................................... 1.5 1.1 1.2 1.4 1.2 1.2 0.5 0.8 0.5 0.3 1.2 0.4 0.3

East North Central ................................................. 1.0 1.9 1.7 1.1 1.2 1.4 0.7 0.4 0.4 0.2 0.6 0.1 0.7

West North Central ................................................ 1.4 2.9 1.8 1.2 1.2 1.0 1.4 0.5 0.6 – 0.4 0.1 0.0

South Atlantic ........................................................ 1.4 1.6 1.4 1.3 0.8 1.0 0.5 0.9 0.2 1 ( ) 0.2 0.1 0.0

East South Central ................................................ 5.7 1.9 3.4 1.7 1.7 1.3 1.4 0.9 – – – 0.5 1.4

West South Central ............................................... 1.3 1.5 1.3 1.3 1.7 1.9 1.6 0.5 0.4 1 ( ) – 0.1 1.0

Mountain ................................................................ 1.5 3.1 2.3 3.1 0.7 1.3 2.1 1.2 0.7 – 1 ( ) 0.1 0.8

Pacific .................................................................... 0.9 1.3 1.5 1.3 0.6 1.4 0.8 0.4 0.3 1 ( ) 0.6 0.1 0.0

1 Less than 0.05. 2 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the threshold. The percentile values are

based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 32. Paid sick leave: Type of provision, private industry workers, 

National Compensation Survey, March 2009

(All workers with paid sick leave = 100 percent)

Characteristics

Sick leave provision

Fixed numer

of days per

year1

As needed2 Other basis3

All workers ............................................................. 69 9 22

Worker characteristics

Management, professional, and related ................ 65 13 23

Management, business, and financial ............... 66 12 22

Professional and related .................................... 64 13 23

Service ................................................................... 67 4 29

Protective service .............................................. 70 – –

Sales and office ..................................................... 71 9 20

Sales and related ............................................... 78 9 13

Office and administrative support ...................... 68 9 23

Natural resources, construction, and maintenance 66 13 21

Construction, extraction, farming, fishing, and

forestry ............................................................. 68 15 17

Installation, maintenance, and repair ................. 65 12 23

Production, transportation, and material moving ... 75 6 19

Production ......................................................... 72 6 22

Transportation and material moving .................. 77 7 16

Full time ................................................................. 68 10 22

Part time ................................................................ 70 7 23

Union ..................................................................... 75 8 17

Nonunion ............................................................... 68 10 23

Wage percentiles:4

Lowest 10 percent ............................................. 61 – –

Lowest 25 percent ............................................. 71 7 22

Second 25 percent ............................................ 71 6 23

Third 25 percent ................................................ 70 9 21

Highest 25 percent ............................................ 65 13 22

Highest 10 percent ............................................ 66 15 19

Establishment characteristics

Goods-producing industries ................................... 67 12 21

Construction ...................................................... 67 18 15

Manufacturing .................................................... 67 10 23

Service-providing industries .................................. 69 9 22

Trade, transportation, and utilities ..................... 79 9 12

Wholesale trade ............................................. 75 13 12

Retail trade .................................................... 83 7 9

Transportation and warehousing ................... 74 5 20

Utilities ........................................................... 64 – –

See footnotes at end of table.
Table 32. Paid sick leave: Type of provision, private industry workers, 

National Compensation Survey, March 2009—Continued

(All workers with paid sick leave = 100 percent)

Characteristics

Sick leave provision

Fixed numer

of days per

year1

As needed2 Other basis3

Information ......................................................... 58 22 20

Financial activities ............................................. 67 9 24

Finance and insurance .................................. 67 8 25

Credit intermediation and related activities 74 5 20

Insurance carriers and related activities .... 54 10 36

Real estate and rental and leasing ................ 69 13 18

Professional and business services .................. 67 14 19

Professional and technical services .............. 64 19 18

Administrative and waste services ................ 74 6 19

Education and health services ........................... 64 5 31

Educational services ...................................... 78 9 13

Junior colleges, colleges, and universities 77 10 13

Health care and social assistance ................. 62 4 34

Leisure and hospitality ....................................... 59 – –

Accommodation and food services ................ 55 – –

Other services ................................................... 76 7 17

1 to 99 workers ...................................................... 70 12 18

1 to 49 workers .................................................. 68 14 17

50 to 99 workers ................................................ 75 7 18

100 workers or more .............................................. 68 7 25

100 to 499 workers ............................................ 70 7 23

500 workers or more .......................................... 65 7 28

Geographic areas

New England ......................................................... 62 12 26

Middle Atlantic ....................................................... 75 11 14

East North Central ................................................. 65 10 25

West North Central ................................................ 70 11 19

South Atlantic ........................................................ 69 8 23

East South Central ................................................ 50 – –

West South Central ............................................... 72 8 20

Mountain ................................................................ 69 9 22

Pacific .................................................................... 71 8 20

1 Employees earn or accrue a specified number

of sick leave days per year. This number may vary

by length of service. 2 Plan does not specify maximum number of

days. 3 Includes sick leave plans, such as those

available as part of consolidated leave plans, which

may also provide vacations, personal leave, etc. 4 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual

items may not equal totals. Dash indicates no

workers in this category or data did not meet

publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 32. Standard errors for paid sick leave: Type of provision, private

industry workers, National Compensation Survey, March 2009

Characteristics

Sick leave provision

Fixed numer

of days per

year1

As needed2 Other basis3

All workers ............................................................. 1.1 0.5 1.1

Worker characteristics

Management, professional, and related ................ 1.2 1.0 1.3

Management, business, and financial ............... 1.8 0.8 1.8

Professional and related .................................... 1.6 1.4 1.5

Service ................................................................... 4.0 0.6 4.2

Protective service .............................................. 8.7 – –

Sales and office ..................................................... 1.0 0.7 0.8

Sales and related ............................................... 1.5 0.8 1.3

Office and administrative support ...................... 1.2 0.9 1.1

Natural resources, construction, and maintenance 2.1 1.3 1.9

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.9 2.6 2.3

Installation, maintenance, and repair ................. 2.7 1.4 2.6

Production, transportation, and material moving ... 1.5 0.7 1.4

Production ......................................................... 1.9 0.8 1.8

Transportation and material moving .................. 1.6 1.0 1.5

Full time ................................................................. 1.2 0.5 1.2

Part time ................................................................ 2.0 0.9 1.9

Union ..................................................................... 2.1 1.7 1.6

Nonunion ............................................................... 1.2 0.6 1.2

Wage percentiles:4

Lowest 10 percent ............................................. 9.8 – –

Lowest 25 percent ............................................. 3.5 0.9 3.7

Second 25 percent ............................................ 1.6 0.6 1.6

Third 25 percent ................................................ 1.0 0.6 1.0

Highest 25 percent ............................................ 1.2 0.9 1.1

Highest 10 percent ............................................ 1.4 1.3 1.2

Establishment characteristics

Goods-producing industries ................................... 1.5 1.0 1.3

Construction ...................................................... 2.7 2.4 2.6

Manufacturing .................................................... 1.7 0.9 1.6

Service-providing industries .................................. 1.3 0.6 1.3

Trade, transportation, and utilities ..................... 1.1 0.8 0.8

Wholesale trade ............................................. 2.3 1.9 1.6

Retail trade .................................................... 1.4 0.9 1.1

Transportation and warehousing ................... 2.9 1.4 3.1

Utilities ........................................................... 5.8 – –

See footnotes at end of table.
Table 32. Standard errors for paid sick leave: Type of provision, private

industry workers, National Compensation Survey, March

2009—Continued

Characteristics

Sick leave provision

Fixed numer

of days per

year1

As needed2 Other basis3

Information ......................................................... 3.3 3.3 2.8

Financial activities ............................................. 1.6 0.9 1.3

Finance and insurance .................................. 1.7 0.8 1.5

Credit intermediation and related activities 1.9 0.7 2.0

Insurance carriers and related activities .... 2.8 1.5 2.7

Real estate and rental and leasing ................ 3.9 2.6 3.2

Professional and business services .................. 2.3 1.8 2.2

Professional and technical services .............. 3.2 2.9 2.7

Administrative and waste services ................ 3.8 2.0 3.8

Education and health services ........................... 2.0 0.9 2.1

Educational services ...................................... 1.9 1.0 1.6

Junior colleges, colleges, and universities 1.8 1.1 1.5

Health care and social assistance ................. 2.3 1.1 2.4

Leisure and hospitality ....................................... 10.9 – –

Accommodation and food services ................ 12.2 – –

Other services ................................................... 3.7 2.0 3.0

1 to 99 workers ...................................................... 1.5 0.9 1.2

1 to 49 workers .................................................. 1.7 1.1 1.4

50 to 99 workers ................................................ 2.4 0.8 2.2

100 workers or more .............................................. 1.7 0.6 1.8

100 to 499 workers ............................................ 1.5 0.8 1.6

500 workers or more .......................................... 3.0 0.8 3.2

Geographic areas

New England ......................................................... 5.2 0.9 5.1

Middle Atlantic ....................................................... 1.3 1.2 1.3

East North Central ................................................. 2.3 1.5 1.9

West North Central ................................................ 2.5 2.1 2.2

South Atlantic ........................................................ 1.6 1.1 1.2

East South Central ................................................ 11.8 – –

West South Central ............................................... 1.9 1.2 1.5

Mountain ................................................................ 3.0 2.5 2.4

Pacific .................................................................... 1.7 1.5 1.7

1 Employees earn or accrue a specified number of sick leave days per year. This number may vary by

length of service. 2 Plan does not specify maximum number of days. 3 Includes sick leave plans, such as those available as part of consolidated leave plans, which may also

provide vacations, personal leave, etc. 4 The percentile groupings are based on the average wage for each occupation surveyed, which may

include workers both above and below the threshold. The percentile values are based on the estimates

published in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 33. Paid sick leave: Number of annual days by service requirement,1 private industry workers, 

National Compensation Survey, March 2009

(All workers with fixed number of days per year sick leave plans = 100 percent)

Characteristics

Paid sick leave days by length of service2

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 29

days

Greater

than 29

days

After 1 year

All workers ............................................................. 18 56 22 3186

Full time ................................................................. 16 57 23 3186

Part time ................................................................ 31 50 17 2–65

Union ..................................................................... 20 44 29 6 3 () 8 6

Nonunion ............................................................... 17 58 21 3186

1 to 99 workers ...................................................... 23 59 17 2–65

1 to 49 workers .................................................. 24 57 18 1–65

50 to 99 workers ................................................ 21 63 14 2–66

100 workers or more .............................................. 13 54 27 4196

100 to 499 workers ............................................ 17 62 18 3 3 () 7 6

500 workers or more .......................................... 9 45 37 6 3 11 7

After 5 years

All workers ............................................................. 16 56 24 3286

Full time ................................................................. 14 56 24 4286

Part time ................................................................ 30 51 17 2–65

Union ..................................................................... 17 46 30 5296

Nonunion ............................................................... 16 57 23 3286

1 to 99 workers ...................................................... 21 57 19 2 3 () 7 5

1 to 49 workers .................................................. 22 55 21 2 3 () 7 5

50 to 99 workers ................................................ 19 61 16 4–76

100 workers or more .............................................. 12 55 27 4396

100 to 499 workers ............................................ 15 62 18 3176

500 workers or more .......................................... 7 46 37 5 5 12 8

See footnotes at end of table.
Table 33. Paid sick leave: Number of annual days by service requirement,1 private industry workers, 

National Compensation Survey, March 2009—Continued

(All workers with fixed number of days per year sick leave plans = 100 percent)

Characteristics

Paid sick leave days by length of service2

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 29

days

Greater

than 29

days

After 10 years

All workers ............................................................. 16 55 24 4296

Full time ................................................................. 14 56 25 4296

Part time ................................................................ 29 49 19 2–66

Union ..................................................................... 17 46 30 5296

Nonunion ............................................................... 15 56 23 3296

1 to 99 workers ...................................................... 21 56 19 3 3 () 7 5

1 to 49 workers .................................................. 21 55 21 3175

50 to 99 workers ................................................ 19 61 16 4–76

100 workers or more .............................................. 11 54 28 4 3 10 6

100 to 499 workers ............................................ 15 61 19 3186

500 workers or more .......................................... 7 45 38 5 5 13 8

After 20 years

All workers ............................................................. 15 55 24 4296

Full time ................................................................. 14 56 25 4296

Part time ................................................................ 30 49 19 2–66

Union ..................................................................... 17 46 30 6296

Nonunion ............................................................... 15 56 23 3296

1 to 99 workers ...................................................... 21 56 20 3 3 () 7 5

1 to 49 workers .................................................. 21 55 21 3175

50 to 99 workers ................................................ 19 61 17 4–76

100 workers or more .............................................. 11 54 28 4 3 11 6

100 to 499 workers ............................................ 15 62 19 3186

500 workers or more .......................................... 7 45 38 5 5 13 9

1 Employees either are granted a specific number of days after completion

of the indicated length of service or accrue days during the next 12-month

period. The total number of days is assumed to be available for use

immediately upon completion of the service interval. Periods of service are

chosen arbitrarily and do not necessarily reflect individual provisions for

progression. 2 Employees eligible for paid sick leave but who have not fulfilled the

minimum service requirement are included as receiving 0 days.

3 Less than 0.5 percent.

NOTE: Because of rounding, sums of individual items may not equal totals.

Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 33. Standard errors for paid sick leave: Number of annual days by service requirement,1 private

industry workers, National Compensation Survey, March 2009

Characteristics

Paid sick leave days by length of service2

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 29

days

Greater

than 29

days

After 1 year

All workers ............................................................. 0.6 0.8 0.8 0.4 0.1 0.2 0.0

Full time ................................................................. 0.6 0.9 0.9 0.4 0.2 0.2 0.0

Part time ................................................................ 2.2 1.9 1.6 0.5 – 0.2 0.4

Union ..................................................................... 1.9 2.1 1.7 0.9 3 ( ) 0.2 0.0

Nonunion ............................................................... 0.6 0.9 0.8 0.4 0.2 0.2 0.0

1 to 99 workers ...................................................... 0.9 1.2 1.1 0.5 – 0.2 0.0

1 to 49 workers .................................................. 1.1 1.4 1.3 0.4 – 0.2 0.0

50 to 99 workers ................................................ 1.9 2.4 1.9 1.0 – 0.2 1.2

100 workers or more .............................................. 0.8 1.3 1.2 0.5 0.3 0.3 0.0

100 to 499 workers ............................................ 1.3 1.8 1.7 0.5 3 ( ) 0.1 0.0

500 workers or more .......................................... 0.9 1.5 1.5 0.9 0.5 0.7 0.9

After 5 years

All workers ............................................................. 0.6 0.9 0.9 0.4 0.2 0.2 0.0

Full time ................................................................. 0.6 1.0 1.0 0.4 0.2 0.2 0.0

Part time ................................................................ 2.3 2.0 1.6 0.5 – 0.2 1.3

Union ..................................................................... 1.8 2.0 1.8 0.9 0.5 0.5 0.2

Nonunion ............................................................... 0.5 1.0 0.9 0.4 0.3 0.2 0.0

1 to 99 workers ...................................................... 0.9 1.1 1.1 0.5 3 ( ) 0.2 0.0

1 to 49 workers .................................................. 1.1 1.4 1.4 0.5 3 ( ) 0.3 0.0

50 to 99 workers ................................................ 1.8 2.3 1.8 1.1 – 0.2 0.0

100 workers or more .............................................. 0.8 1.3 1.3 0.4 0.4 0.4 0.0

100 to 499 workers ............................................ 1.2 1.9 1.8 0.5 0.4 0.2 0.0

500 workers or more .......................................... 0.8 1.6 1.6 0.8 0.8 0.7 1.0

See footnotes at end of table.
Table 33. Standard errors for paid sick leave: Number of annual days by service requirement,1 private

industry workers, National Compensation Survey, March 2009—Continued

Characteristics

Paid sick leave days by length of service2

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 29

days

Greater

than 29

days

After 10 years

All workers ............................................................. 0.6 0.9 0.9 0.4 0.2 0.2 0.0

Full time ................................................................. 0.6 0.9 0.9 0.4 0.2 0.2 0.0

Part time ................................................................ 2.2 2.0 1.7 0.5 – 0.2 0.7

Union ..................................................................... 1.8 2.0 1.8 0.8 0.5 0.5 0.2

Nonunion ............................................................... 0.5 1.0 0.9 0.4 0.3 0.2 0.0

1 to 99 workers ...................................................... 0.9 1.2 1.1 0.6 3 ( ) 0.2 0.1

1 to 49 workers .................................................. 1.1 1.4 1.4 0.6 0.2 0.3 0.0

50 to 99 workers ................................................ 1.8 2.4 1.9 1.0 – 0.2 0.0

100 workers or more .............................................. 0.8 1.2 1.2 0.4 0.4 0.4 0.0

100 to 499 workers ............................................ 1.2 1.9 1.9 0.5 0.4 0.3 0.0

500 workers or more .......................................... 0.8 1.5 1.5 0.8 0.8 0.8 1.4

After 20 years

All workers ............................................................. 0.6 0.9 0.9 0.4 0.2 0.3 0.0

Full time ................................................................. 0.6 0.9 0.9 0.4 0.2 0.3 0.0

Part time ................................................................ 2.2 2.0 1.7 0.5 – 0.2 0.7

Union ..................................................................... 1.8 2.0 1.8 0.8 0.5 0.6 0.2

Nonunion ............................................................... 0.5 1.0 0.9 0.4 0.3 0.3 0.0

1 to 99 workers ...................................................... 0.9 1.1 1.1 0.6 3 ( ) 0.2 0.2

1 to 49 workers .................................................. 1.1 1.5 1.4 0.6 0.2 0.3 0.0

50 to 99 workers ................................................ 1.9 2.4 1.9 1.0 – 0.2 0.0

100 workers or more .............................................. 0.8 1.2 1.2 0.4 0.4 0.5 0.0

100 to 499 workers ............................................ 1.2 1.9 1.9 0.5 0.4 0.4 0.0

500 workers or more .......................................... 0.8 1.5 1.5 0.8 0.8 0.9 1.4

1 Employees either are granted a specific number of days after completion of the indicated length of service or accrue days during the next 12-month period.

The total number of days is assumed to be available for use immediately upon completion of the service interval. Periods of service are chosen arbitrarily and do

not necessarily reflect individual provisions for progression. 2 Employees eligible for paid sick leave but who have not fulfilled the minimum service requirement are included as receiving 0 days. 3 Less than 0.05.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 34. Paid vacations: Number of annual days by service requirement,1 private industry workers, National

Compensation Survey, March 2009

(All workers with paid vacations = 100 percent)

Characteristics

Paid vacations days by length of service2

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 19

days

20 to 24

days

Greater

than 24

days

After 1 year

All workers ............................................................. 7 39 36 10 6 2 9 10

Full time ................................................................. 4 38 39 11 6 2 10 10

Part time ................................................................ 29 46 16 34175

Union ..................................................................... 5 45 38 6 4 2 9 10

Nonunion ............................................................... 8 38 36 11 6 2 9 10

1 to 99 workers ...................................................... 9 47 34 72185

1 to 49 workers .................................................. 9 47 34 7 3 3 () 8 5

50 to 99 workers ................................................ 8 47 36 62–8–

100 workers or more .............................................. 6 31 38 14 8 3 11 10

100 to 499 workers ............................................ 7 40 36 11 4 2 9 10

500 workers or more .......................................... 3 20 41 18 14 4 12 10

After 5 years

All workers ............................................................. 2 10 37 34 11 6 14 15

Full time ................................................................. 1 8 38 36 12 6 14 15

Part time ................................................................ 11 29 31 18 4 6 11 10

Union ..................................................................... 1 6 45 34 7 6 14 12

Nonunion ............................................................... 2 11 36 33 11 6 14 15

1 to 99 workers ...................................................... 3 15 42 30 7 2 12 10

1 to 49 workers .................................................. 3 17 41 30 7 3 12 10

50 to 99 workers ................................................ 2 11 46 32 7 2 12 10

100 workers or more .............................................. 2 6 33 36 14 9 15 15

100 to 499 workers ............................................ 2 8 40 35 10 5 14 15

500 workers or more .......................................... 1 3 24 38 20 14 17 15

See footnotes at end of table.
Table 34. Paid vacations: Number of annual days by service requirement,1 private industry workers, National

Compensation Survey, March 2009—Continued

(All workers with paid vacations = 100 percent)

Characteristics

Paid vacations days by length of service2

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 19

days

20 to 24

days

Greater

than 24

days

After 10 years

All workers ............................................................. 2 7 16 41 22 12 17 15

Full time ................................................................. 1 5 15 43 23 13 17 15

Part time ................................................................ 10 22 19 30 12 8 13 15

Union ..................................................................... 1 3 10 57 19 9 17 15

Nonunion ............................................................... 2 8 17 39 22 12 16 15

1 to 99 workers ...................................................... 2 12 23 39 18 5 14 15

1 to 49 workers .................................................. 3 13 25 36 17 5 14 15

50 to 99 workers ................................................ 2 9 17 46 21 5 15 15

100 workers or more .............................................. 1 3 9 43 25 18 18 15

100 to 499 workers ............................................ 2 4 11 51 22 11 17 15

500 workers or more .......................................... 1 2 7 33 30 27 20 20

After 20 years

All workers ............................................................. 2 7 13 18 37 24 19 20

Full time ................................................................. 1 5 13 18 38 25 19 20

Part time ................................................................ 10 19 16 15 24 16 15 15

Union ..................................................................... 1 2 6 11 45 35 21 20

Nonunion ............................................................... 2 7 14 18 36 23 19 20

1 to 99 workers ...................................................... 2 12 20 24 29 13 16 15

1 to 49 workers .................................................. 3 13 22 24 27 12 15 15

50 to 99 workers ................................................ 2 8 15 25 36 15 17 20

100 workers or more .............................................. 1 2 7 11 43 35 22 20

100 to 499 workers ............................................ 2 3 8 16 47 24 20 20

500 workers or more .......................................... 1 1 5 6 39 48 24 24

1 Employees either are granted a specific number of days after completion of the

indicated length of service or accrue days during the next 12-month period. The total

number of days is assumed to be available for use immediately upon completion of the

service interval. Periods of service are chosen arbitrarily and do not necessarily reflect

individual provisions for progression. Fractional vacation amounts were rounded to the

nearest full number of days. 2 Employees eligible for paid vacations but who have not fulfilled the minimum

service requirement are included as receiving 0 days. 3 Less than 0.5 percent.

NOTE: Because of rounding, sums of individual items may not equal totals. Dash

indicates no workers in this category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 34. Standard errors for paid vacations: Number of annual days by service requirement,1 private industry workers, 

National Compensation Survey, March 2009

Characteristics

Paid vacations days by length of service2

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 19

days

20 to 24

days

Greater

than 24

days

After 1 year

All workers ............................................................. 0.4 0.6 0.6 0.5 0.3 0.3 0.1 0.0

Full time ................................................................. 0.3 0.7 0.7 0.5 0.3 0.3 0.1 0.0

Part time ................................................................ 1.6 1.5 1.2 0.5 0.7 0.3 0.2 0.0

Union ..................................................................... 0.7 2.0 1.6 1.2 1.0 0.6 0.2 1.6

Nonunion ............................................................... 0.4 0.6 0.7 0.5 0.3 0.3 0.1 0.0

1 to 99 workers ...................................................... 0.6 1.0 1.1 0.7 0.4 0.1 0.1 0.1

1 to 49 workers .................................................. 0.6 1.1 1.1 0.8 0.4 3 ( ) 0.1 0.0

50 to 99 workers ................................................ 1.2 2.0 2.5 0.8 0.5 – 0.2 –

100 workers or more .............................................. 0.5 0.9 1.0 0.7 0.5 0.5 0.1 0.0

100 to 499 workers ............................................ 0.7 1.4 1.4 0.9 0.4 0.7 0.2 0.0

500 workers or more .......................................... 0.5 1.4 1.1 0.9 1.0 0.5 0.2 0.0

After 5 years

All workers ............................................................. 0.2 0.4 0.6 0.6 0.5 0.3 0.1 0.5

Full time ................................................................. 0.1 0.3 0.7 0.6 0.5 0.3 0.1 0.0

Part time ................................................................ 1.2 1.5 1.5 1.3 0.9 0.7 0.2 0.0

Union ..................................................................... 0.3 0.7 1.7 1.4 1.0 1.0 0.2 0.9

Nonunion ............................................................... 0.2 0.4 0.6 0.7 0.5 0.3 0.1 0.0

1 to 99 workers ...................................................... 0.3 0.6 0.8 0.8 0.6 0.4 0.1 0.0

1 to 49 workers .................................................. 0.3 0.7 1.0 0.9 0.6 0.5 0.1 0.0

50 to 99 workers ................................................ 0.5 1.2 1.4 1.9 1.2 0.4 0.2 0.4

100 workers or more .............................................. 0.3 0.5 0.9 0.9 0.7 0.5 0.2 0.0

100 to 499 workers ............................................ 0.5 0.7 1.2 1.4 0.8 0.7 0.2 1.5

500 workers or more .......................................... 0.2 0.5 1.1 1.3 1.1 0.8 0.2 0.0

See footnotes at end of table.
Table 34. Standard errors for paid vacations: Number of annual days by service requirement,1 private industry workers, 

National Compensation Survey, March 2009—Continued

Characteristics

Paid vacations days by length of service2

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 19

days

20 to 24

days

Greater

than 24

days

After 10 years

All workers ............................................................. 0.2 0.3 0.5 0.7 0.5 0.8 0.1 0.0

Full time ................................................................. 0.1 0.3 0.5 0.8 0.5 0.9 0.1 0.0

Part time ................................................................ 1.2 1.6 1.4 1.7 1.4 0.9 0.2 1.1

Union ..................................................................... 0.3 0.5 1.1 1.8 1.4 1.5 0.3 0.0

Nonunion ............................................................... 0.2 0.3 0.5 0.8 0.5 0.8 0.1 0.0

1 to 99 workers ...................................................... 0.2 0.5 0.8 0.9 0.8 0.6 0.1 0.0

1 to 49 workers .................................................. 0.3 0.6 0.9 1.0 1.0 0.7 0.2 0.0

50 to 99 workers ................................................ 0.3 1.1 1.3 1.8 1.9 1.1 0.2 0.0

100 workers or more .............................................. 0.3 0.4 0.6 1.1 0.7 1.3 0.2 0.4

100 to 499 workers ............................................ 0.5 0.5 0.8 1.2 1.0 0.9 0.2 0.0

500 workers or more .......................................... 0.2 0.4 0.8 1.5 1.3 2.3 0.2 0.0

After 20 years

All workers ............................................................. 0.2 0.3 0.4 0.5 0.7 0.9 0.1 0.0

Full time ................................................................. 0.1 0.3 0.4 0.6 0.7 1.0 0.1 0.0

Part time ................................................................ 1.2 1.5 1.1 1.5 1.5 1.2 0.3 0.0

Union ..................................................................... 0.3 0.5 0.9 0.9 1.8 2.1 0.2 0.0

Nonunion ............................................................... 0.2 0.3 0.5 0.6 0.7 0.9 0.1 0.0

1 to 99 workers ...................................................... 0.2 0.5 0.7 0.8 1.0 0.7 0.1 0.0

1 to 49 workers .................................................. 0.3 0.6 0.8 0.9 1.1 0.9 0.2 0.0

50 to 99 workers ................................................ 0.3 1.1 1.2 1.9 2.0 1.5 0.3 2.2

100 workers or more .............................................. 0.3 0.3 0.5 0.7 1.1 1.3 0.2 0.0

100 to 499 workers ............................................ 0.5 0.5 0.6 0.9 1.4 1.2 0.2 0.0

500 workers or more .......................................... 0.2 0.4 0.7 0.6 1.6 2.0 0.2 1.3

1 Employees either are granted a specific number of days after completion of the indicated length of service or accrue days during the next 12-month period. The total number

of days is assumed to be available for use immediately upon completion of the service interval. Periods of service are chosen arbitrarily and do not necessarily reflect individual

provisions for progression. Fractional vacation amounts were rounded to the nearest full number of days. 2 Employees eligible for paid vacations but who have not fulfilled the minimum service requirement are included as receiving 0 days. 3 Less than 0.05.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 35. Quality of life benefits: Access, private industry workers, National

Compensation Survey, March 2009

(All workers = 100 percent)

Characteristics Childcare1 Flexible

workplace

Subsidized

commuting

Wellness

programs

Employee

assistance

programs

All workers ............................................................. 9 5 6 29 45

Worker characteristics

Management, professional, and related ................ 17 12 11 45 62

Management, business, and financial ............... 16 17 12 46 64

Professional and related .................................... 17 9 11 45 62

Service ................................................................... 8 1 2 15 27

Protective service .............................................. 4 1 3 14 23

Sales and office ..................................................... 7 5 6 31 49

Sales and related ............................................... 3 4 4 30 50

Office and administrative support ...................... 9 5 8 32 48

Natural resources, construction, and maintenance 3 2 4 20 32

Construction, extraction, farming, fishing, and

forestry ............................................................. 1 – 2 12 23

Installation, maintenance, and repair ................. 6 3 7 29 41

Production, transportation, and material moving ... 5 1 3 25 42

Production ......................................................... 7 2 3 28 43

Transportation and material moving .................. 3 1 3 21 41

Full time ................................................................. 10 6 7 33 49

Part time ................................................................ 4 2 2 18 32

Union ..................................................................... 15 2 7 43 68

Nonunion ............................................................... 8 5 6 28 42

Wage percentiles:2

Lowest 10 percent ............................................. 5 1 2 9 22

Lowest 25 percent ............................................. 5 1 2 14 28

Second 25 percent ............................................ 7 2 4 27 42

Third 25 percent ................................................ 9 5 7 33 49

Highest 25 percent ............................................ 16 12 12 45 63

Highest 10 percent ............................................ 19 15 14 48 67

Establishment characteristics

Goods-producing industries ................................... 7 5 2 29 44

Construction ...................................................... 3 ( ) 2 3 10 19

Manufacturing .................................................... 10 6 2 38 54

Service-providing industries .................................. 9 5 7 29 45

Trade, transportation, and utilities ..................... 2 2 4 29 50

Wholesale trade ............................................. 5 4 3 19 39

Retail trade .................................................... 1 1 3 30 51

Transportation and warehousing ................... 2 – 5 32 56

Utilities ........................................................... 16 – – 70 86

See footnotes at end of table.
Table 35. Quality of life benefits: Access, private industry workers, National

Compensation Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics Childcare1 Flexible

workplace

Subsidized

commuting

Wellness

programs

Employee

assistance

programs

Information ......................................................... 9 10 15 54 76

Financial activities ............................................. 24 13 16 44 61

Finance and insurance .................................. 30 15 19 52 68

Credit intermediation and related activities 33 14 19 49 64

Insurance carriers and related activities .... 24 14 17 54 71

Real estate and rental and leasing ................ 4 6 – 16 34

Professional and business services .................. 8 10 10 25 38

Professional and technical services .............. 13 15 14 28 45

Administrative and waste services ................ 1 5 2 13 22

Education and health services ........................... 15 3 7 40 54

Educational services ...................................... 15 6 12 40 51

Junior colleges, colleges, and universities 19 8 21 64 76

Health care and social assistance ................. 15 3 6 40 54

Leisure and hospitality ....................................... – 3 ( ) 2 8 21

Accommodation and food services ................ – – 1 8 20

Other services ................................................... 4 3 3 13 20

1 to 99 workers ...................................................... 3 3 3 12 24

1 to 49 workers .................................................. 3 3 2 10 20

50 to 99 workers ................................................ 3 3 5 19 35

100 workers or more .............................................. 15 6 9 48 68

100 to 499 workers ............................................ 7 4 6 37 58

500 workers or more .......................................... 25 9 13 61 81

Geographic areas

New England ......................................................... 9 5 8 33 45

Middle Atlantic ....................................................... 7 6 7 30 43

East North Central ................................................. 10 5 4 34 46

West North Central ................................................ 9 4 6 31 45

South Atlantic ........................................................ 8 4 4 25 46

East South Central ................................................ – 3 2 26 45

West South Central ............................................... 8 4 4 27 44

Mountain ................................................................ 7 4 7 26 43

Pacific .................................................................... 10 5 10 29 44

1 A workplace program that provides for either the full or

partial cost of caring for an employee’s children in a nursery,

day care center, or a baby sitter in facilities either on or off the

employer’s premises. 2 The percentile groupings are based on the average wage

for each occupation surveyed, which may include workers both

above and below the threshold. The percentile values are

based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details. 3 Less than 0.5 percent.

NOTE: Dash indicates no workers in this category or data did

not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 35. Standard errors for quality of life benefits: Access, private industry workers, 

National Compensation Survey, March 2009

Characteristics Childcare1 Flexible

workplace

Subsidized

commuting

Wellness

programs

Employee

assistance

programs

All workers ............................................................. 0.5 0.3 0.3 0.6 0.6

Worker characteristics

Management, professional, and related ................ 0.9 0.8 0.7 1.3 1.0

Management, business, and financial ............... 1.0 1.4 1.0 1.8 1.4

Professional and related .................................... 1.1 0.8 0.8 1.4 1.2

Service ................................................................... 1.8 0.2 0.3 0.8 1.6

Protective service .............................................. 1.0 0.5 1.1 1.8 2.9

Sales and office ..................................................... 0.4 0.3 0.3 0.8 0.9

Sales and related ............................................... 0.4 0.5 0.4 1.1 1.3

Office and administrative support ...................... 0.6 0.4 0.5 1.1 1.1

Natural resources, construction, and maintenance 0.7 0.4 0.6 1.0 1.4

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.2 – 0.7 1.1 1.6

Installation, maintenance, and repair ................. 1.4 0.7 1.0 1.8 2.3

Production, transportation, and material moving ... 0.5 0.2 0.4 0.9 1.1

Production ......................................................... 0.8 0.3 0.7 1.1 1.4

Transportation and material moving .................. 0.5 0.2 0.4 1.4 1.6

Full time ................................................................. 0.6 0.4 0.3 0.8 0.7

Part time ................................................................ 0.6 0.3 0.3 0.8 1.1

Union ..................................................................... 1.9 0.3 0.7 1.8 1.5

Nonunion ............................................................... 0.5 0.3 0.3 0.6 0.6

Wage percentiles:2

Lowest 10 percent ............................................. 2.4 0.4 0.4 1.0 2.3

Lowest 25 percent ............................................. 1.1 0.2 0.2 0.8 1.2

Second 25 percent ............................................ 0.8 0.2 0.3 0.9 1.0

Third 25 percent ................................................ 0.6 0.5 0.5 0.9 0.9

Highest 25 percent ............................................ 0.7 0.7 0.5 1.1 0.9

Highest 10 percent ............................................ 1.3 1.1 0.9 1.7 1.3

Establishment characteristics

Goods-producing industries ................................... 0.5 0.4 0.4 0.9 1.3

Construction ...................................................... 3 ( ) 0.6 0.7 1.1 1.4

Manufacturing .................................................... 0.7 0.6 0.4 1.2 1.5

Service-providing industries .................................. 0.7 0.4 0.3 0.7 0.7

Trade, transportation, and utilities ..................... 0.3 0.3 0.3 0.9 1.1

Wholesale trade ............................................. 0.8 0.8 1.0 1.8 2.3

Retail trade .................................................... 0.3 0.3 0.4 1.2 1.4

Transportation and warehousing ................... 0.6 – 0.9 3.5 3.3

Utilities ........................................................... 2.9 – – 4.4 3.8

See footnotes at end of table.
Table 35. Standard errors for quality of life benefits: Access, private industry workers, 

National Compensation Survey, March 2009—Continued

Characteristics Childcare1 Flexible

workplace

Subsidized

commuting

Wellness

programs

Employee

assistance

programs

Information ......................................................... 1.2 1.3 2.1 2.6 2.5

Financial activities ............................................. 1.0 0.9 1.0 1.2 1.5

Finance and insurance .................................. 1.3 1.0 1.1 1.5 1.2

Credit intermediation and related activities 1.8 1.4 1.5 2.0 1.7

Insurance carriers and related activities .... 1.9 1.9 2.2 2.5 2.1

Real estate and rental and leasing ................ 1.9 2.2 – 3.7 4.4

Professional and business services .................. 1.0 1.2 1.1 1.6 2.0

Professional and technical services .............. 1.7 2.0 2.2 2.7 3.3

Administrative and waste services ................ 0.4 1.4 0.7 2.1 2.5

Education and health services ........................... 1.4 0.8 0.7 1.9 1.7

Educational services ...................................... 2.5 1.5 1.0 3.0 2.7

Junior colleges, colleges, and universities 1.8 1.0 1.7 2.8 2.3

Health care and social assistance ................. 1.5 0.9 0.8 2.1 1.9

Leisure and hospitality ....................................... – 3 ( ) 0.5 1.5 4.0

Accommodation and food services ................ – – 0.5 1.8 4.7

Other services ................................................... 1.3 0.9 1.1 2.8 3.3

1 to 99 workers ...................................................... 0.4 0.3 0.3 0.7 0.8

1 to 49 workers .................................................. 0.5 0.4 0.3 0.8 0.9

50 to 99 workers ................................................ 0.5 0.4 0.5 1.6 1.7

100 workers or more .............................................. 0.9 0.5 0.5 1.1 0.9

100 to 499 workers ............................................ 0.6 0.6 0.7 1.5 1.5

500 workers or more .......................................... 1.6 0.9 0.9 2.2 1.3

Geographic areas

New England ......................................................... 1.2 0.7 0.9 1.8 1.8

Middle Atlantic ....................................................... 0.7 1.1 0.5 1.4 1.2

East North Central ................................................. 0.8 0.7 0.5 2.0 1.5

West North Central ................................................ 1.1 0.7 1.0 2.2 2.1

South Atlantic ........................................................ 1.2 0.6 0.3 1.4 1.4

East South Central ................................................ – 0.9 0.7 2.2 4.3

West South Central ............................................... 1.4 1.0 0.4 1.8 1.3

Mountain ................................................................ 0.8 0.7 1.7 2.7 2.5

Pacific .................................................................... 0.8 0.6 1.1 1.6 1.8

1 A workplace program that provides for either the full or partial cost of caring for an employee’s children in a nursery, day care

center, or a baby sitter in facilities either on or off the employer’s premises. 2 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above

and below the threshold. The percentile values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details. 3 Less than 0.05.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 36. Financial benefits: Access, private industry workers, National Compensation Survey, March 2009

(All workers = 100 percent)

Characteristics

Health

savings

account

Section 125 cafeteria benefits

Pre-tax

savings with

no employer

contributions

Financial

planning

Stock options

Flexible

benefits

Dependent

care

reimbursement

account

Health care

reimbursement

account

Total1 Performance Signing Other

All workers ............................................................. 12 18 33 35 18 14 9 3 1 7

Worker characteristics

Management, professional, and related ................ 17 31 55 57 24 25 12 5 3 9

Management, business, and financial ............... 23 32 56 60 24 30 17 7 5 12

Professional and related .................................... 14 30 54 56 23 23 10 4 3 7

Service ................................................................... 6 9 18 20 13 6 4 1 2 () –

Protective service .............................................. – 10 16 18 25 6 4 – – 4

Sales and office ..................................................... 16 17 36 38 20 15 11 3 1 9

Sales and related ............................................... 18 9 31 31 20 9 12 2 1 10

Office and administrative support ...................... 15 22 39 42 20 18 10 3 2 8

Natural resources, construction, and maintenance 8 11 18 20 13 8 7 2 1 4

Construction, extraction, farming, fishing, and

forestry ............................................................. 3 7 8 10 9 4 2 – 1 2

Installation, maintenance, and repair ................. 14 16 30 31 18 13 11 5 1 6

Production, transportation, and material moving ... 9 15 27 29 17 10 7 1 1 6

Production ......................................................... 9 18 30 34 17 12 8 1 2 6

Transportation and material moving .................. 8 13 24 23 16 8 7 1 1 6

Full time ................................................................. 14 21 38 41 21 16 10 3 2 7

Part time ................................................................ 5 8 18 18 11 6 6 1 2 () 5

Union ..................................................................... 11 19 41 40 25 20 10 4 1 5

Nonunion ............................................................... 12 18 33 35 17 13 9 2 2 7

Wage percentiles:3

Lowest 10 percent ............................................. 4 5 11 12 – 4 6 1 2 () 5

Lowest 25 percent ............................................. 6 7 16 17 12 5 6 1 2 () 5

Second 25 percent ............................................ 13 16 30 33 18 11 7 1 1 6

Third 25 percent ................................................ 13 22 37 40 20 15 9 2 1 6

Highest 25 percent ............................................ 17 29 54 56 24 26 14 6 3 9

Highest 10 percent ............................................ 20 31 61 63 25 29 16 8 5 11

Establishment characteristics

Goods-producing industries ................................... 10 18 32 35 16 15 9 2 2 6

Construction ...................................................... 3 6 9 12 8 4 1 – 1 1

Manufacturing .................................................... 14 22 41 45 19 21 11 3 3 8

Service-providing industries .................................. 13 18 34 35 19 14 9 3 1 7

Trade, transportation, and utilities ..................... 16 12 33 32 21 9 11 1 1 10

Wholesale trade ............................................. 9 19 25 29 14 15 7 1 1 6

Retail trade .................................................... 19 6 31 30 21 6 13 1 1 12

Transportation and warehousing ................... 14 19 41 34 28 8 8 – – 6

Utilities ........................................................... 30 46 75 69 13 32 21 4 2 18

See footnotes at end of table.
Table 36. Financial benefits: Access, private industry workers, National Compensation Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics

Health

savings

account

Section 125 cafeteria benefits

Pre-tax

savings with

no employer

contributions

Financial

planning

Stock options

Flexible

benefits

Dependent

care

reimbursement

account

Health care

reimbursement

account

Total1 Performance Signing Other

Information ......................................................... 30 30 65 70 26 27 37 25 2 15

Financial activities ............................................. 26 35 57 62 20 40 19 8 4 16

Finance and insurance .................................. 31 41 67 71 23 49 23 9 4 19

Credit intermediation and related activities 36 45 69 71 24 47 25 11 5 20

Insurance carriers and related activities .... 28 36 64 70 19 47 23 8 4 19

Real estate and rental and leasing ................ 9 12 21 28 10 7 5 – – 5

Professional and business services .................. 11 20 33 33 20 16 9 3 3 7

Professional and technical services .............. 13 24 43 43 25 23 11 4 4 9

Administrative and waste services ................ 5 11 13 15 16 6 4 – 1 3

Education and health services ........................... 9 25 44 48 19 14 1 2 ( ) 2 () 1

Educational services ...................................... 8 24 47 51 33 14 2 – 2 2 ( )

Junior colleges, colleges, and universities 9 27 70 72 47 22 3 – 3 2 ( )

Health care and social assistance ................. 9 26 43 47 16 14 1 1 2 () 1

Leisure and hospitality ....................................... – 5 9 13 – 4 – 1 – –

Accommodation and food services ................ – – 8 12 – 5 – 1 – –

Other services ................................................... 5 10 10 12 13 5 2 – – –

1 to 99 workers ...................................................... 6 9 17 18 11 6 4 1 1 3

1 to 49 workers .................................................. 6 8 14 15 9 6 3 1 1 2

50 to 99 workers ................................................ 9 13 25 27 17 6 7 2 2 () 6

100 workers or more .............................................. 19 27 52 55 26 22 13 4 2 10

100 to 499 workers ............................................ 16 22 43 47 23 15 11 3 1 9

500 workers or more .......................................... 22 35 62 65 30 33 16 6 4 12

Geographic areas

New England ......................................................... 8 17 38 40 20 15 8 2 1 7

Middle Atlantic ....................................................... 9 15 33 34 22 12 7 2 1 5

East North Central ................................................. 13 18 35 36 18 16 9 3 2 7

West North Central ................................................ 13 21 37 42 17 15 6 1 1 4

South Atlantic ........................................................ 13 19 34 35 15 11 10 3 2 7

East South Central ................................................ 20 18 18 29 – 12 – 2 1 –

West South Central ............................................... 11 19 32 35 15 13 9 3 1 6

Mountain ................................................................ 11 18 36 36 18 13 6 2 1 6

Pacific .................................................................... 13 15 33 34 17 18 9 4 2 5

1 The sum of the individual components may be greater than the total because some

employees may have access to more than one type of stock option. 2 Less than 0.5 percent. 3 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria.

For definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 36. Standard errors for financial benefits: Access, private industry workers, National Compensation Survey, March

2009

Characteristics

Health

savings

account

Section 125 cafeteria benefits

Pre-tax

savings with

no employer

contributions

Financial

planning

Stock options

Flexible

benefits

Dependent

care

reimbursement

account

Health care

reimbursement

account

Total1 Performance Signing Other

All workers ............................................................. 0.4 0.5 0.7 0.5 0.9 0.4 0.5 0.2 0.1 0.5

Worker characteristics

Management, professional, and related ................ 0.8 1.2 1.4 1.2 1.2 1.0 0.7 0.4 0.5 0.6

Management, business, and financial ............... 1.2 1.3 1.6 1.4 1.7 1.3 1.0 0.6 0.7 0.8

Professional and related .................................... 0.9 1.5 1.8 1.5 1.3 1.0 0.8 0.5 0.5 0.6

Service ................................................................... 1.3 1.1 1.1 1.2 3.0 0.7 1.6 0.2 2 () –

Protective service .............................................. – 2.2 2.5 2.7 5.4 1.1 1.0 – – 1.0

Sales and office ..................................................... 0.6 0.7 0.7 0.8 0.8 0.6 0.5 0.2 0.2 0.5

Sales and related ............................................... 0.9 0.6 1.0 1.1 1.1 0.8 0.8 0.2 0.2 0.7

Office and administrative support ...................... 0.8 1.0 1.0 1.1 0.9 0.8 0.6 0.3 0.2 0.5

Natural resources, construction, and maintenance 0.8 0.8 1.1 1.0 1.1 0.7 0.8 0.4 0.2 0.7

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.6 1.1 1.1 1.2 1.1 0.7 0.6 – 0.3 0.5

Installation, maintenance, and repair ................. 1.5 1.1 1.7 1.6 1.8 1.3 1.5 0.8 0.2 1.3

Production, transportation, and material moving ... 0.6 0.9 1.0 0.9 1.1 0.6 0.6 0.2 0.3 0.5

Production ......................................................... 0.9 1.2 1.4 1.5 1.2 1.0 0.9 0.4 0.5 0.6

Transportation and material moving .................. 0.7 1.1 1.3 1.0 1.5 0.8 0.7 0.2 0.2 0.7

Full time ................................................................. 0.5 0.6 0.9 0.7 1.1 0.5 0.5 0.2 0.2 0.5

Part time ................................................................ 0.4 0.6 0.8 0.8 0.8 0.4 0.4 0.2 2 ( ) 0.4

Union ..................................................................... 0.9 1.7 1.6 1.5 1.3 1.4 1.1 0.5 0.3 1.0

Nonunion ............................................................... 0.4 0.5 0.7 0.6 1.0 0.4 0.4 0.2 0.1 0.4

Wage percentiles:3

Lowest 10 percent ............................................. 2.0 1.3 1.2 1.8 – 1.0 2.2 0.3 2 ( ) 2.2

Lowest 25 percent ............................................. 0.9 0.9 1.0 1.1 1.9 0.5 1.0 0.2 2 ( ) 1.0

Second 25 percent ............................................ 0.7 0.6 1.0 0.9 1.2 0.6 0.6 0.2 0.1 0.5

Third 25 percent ................................................ 0.7 0.9 0.8 0.8 0.9 0.6 0.4 0.2 0.2 0.4

Highest 25 percent ............................................ 0.8 1.1 1.1 1.1 0.9 0.8 0.8 0.5 0.5 0.6

Highest 10 percent ............................................ 1.2 1.3 1.4 1.4 1.1 1.3 1.1 0.7 0.8 1.0

Establishment characteristics

Goods-producing industries ................................... 0.6 1.2 1.1 1.1 0.8 0.7 0.8 0.4 0.6 0.5

Construction ...................................................... 0.7 0.8 1.2 1.3 1.0 0.8 0.3 – 0.3 0.2

Manufacturing .................................................... 1.0 1.5 1.4 1.4 1.0 1.2 1.1 0.5 0.8 0.7

Service-providing industries .................................. 0.5 0.6 0.8 0.6 1.2 0.4 0.6 0.2 0.1 0.6

Trade, transportation, and utilities ..................... 0.6 0.7 0.9 0.9 0.9 0.5 0.6 0.1 0.2 0.6

Wholesale trade ............................................. 1.1 1.8 1.7 1.7 1.6 1.2 1.0 0.4 0.3 0.9

Retail trade .................................................... 0.9 0.6 1.2 1.2 1.1 0.6 0.9 0.2 0.2 0.9

Transportation and warehousing ................... 2.0 1.7 3.1 2.0 3.1 1.4 1.3 – – 1.2

Utilities ........................................................... 4.9 6.3 5.4 5.1 2.0 4.0 5.4 1.5 1.0 5.4

See footnotes at end of table.
Table 36. Standard errors for financial benefits: Access, private industry workers, National Compensation Survey, March

2009—Continued

Characteristics

Health

savings

account

Section 125 cafeteria benefits

Pre-tax

savings with

no employer

contributions

Financial

planning

Stock options

Flexible

benefits

Dependent

care

reimbursement

account

Health care

reimbursement

account

Total1 Performance Signing Other

Information ......................................................... 2.6 3.1 3.0 3.5 2.5 2.2 3.2 2.3 0.7 2.4

Financial activities ............................................. 1.3 1.9 1.7 1.5 1.1 1.3 1.1 0.8 0.6 1.0

Finance and insurance .................................. 1.4 1.8 1.3 1.3 1.2 1.4 1.3 0.9 0.6 1.3

Credit intermediation and related activities 1.9 2.1 1.7 1.8 1.8 1.9 1.6 1.3 1.0 1.6

Insurance carriers and related activities .... 2.2 2.1 2.3 2.2 1.9 2.7 2.8 1.5 0.6 2.8

Real estate and rental and leasing ................ 2.4 2.8 3.8 3.7 2.6 1.7 2.2 – – 2.2

Professional and business services .................. 1.2 1.8 1.8 1.8 1.3 1.4 0.9 0.6 0.5 0.9

Professional and technical services .............. 2.0 2.5 2.7 2.7 2.3 2.5 1.6 1.1 1.1 1.5

Administrative and waste services ................ 1.4 2.1 2.1 2.1 2.2 1.2 1.1 – 0.7 0.9

Education and health services ........................... 0.9 1.7 2.1 1.8 1.6 1.1 0.3 2 ( ) 2 ( ) 0.2

Educational services ...................................... 1.0 2.6 3.0 2.2 2.6 1.4 0.3 – 0.3 2 ( )

Junior colleges, colleges, and universities 1.0 2.1 3.2 3.1 2.8 2.1 0.7 – 0.7 2 ( )

Health care and social assistance ................. 1.1 1.8 2.2 2.1 1.7 1.2 0.3 0.2 2 ( ) 0.2

Leisure and hospitality ....................................... – 2.1 1.5 3.0 – 1.8 – 0.4 – –

Accommodation and food services ................ – – 1.5 3.6 – 2.1 – 0.5 – –

Other services ................................................... 1.4 1.8 3.0 2.9 2.4 1.2 0.7 – – –

1 to 99 workers ...................................................... 0.5 0.5 0.6 0.6 0.6 0.4 0.3 0.2 0.1 0.2

1 to 49 workers .................................................. 0.5 0.6 0.7 0.7 0.6 0.4 0.3 0.2 0.1 0.2

50 to 99 workers ................................................ 1.0 1.2 1.5 1.5 1.3 0.4 0.7 0.3 2 ( ) 0.7

100 workers or more .............................................. 0.7 0.9 1.4 0.9 1.7 0.7 0.8 0.3 0.3 0.9

100 to 499 workers ............................................ 0.7 1.2 1.3 1.2 1.1 1.0 0.6 0.2 0.2 0.6

500 workers or more .......................................... 1.3 1.2 3.1 1.6 3.3 1.1 1.8 0.6 0.6 1.8

Geographic areas

New England ......................................................... 0.8 1.5 1.6 1.7 1.8 0.6 1.1 0.3 0.2 0.9

Middle Atlantic ....................................................... 0.7 1.9 1.4 1.3 1.8 0.6 0.9 0.3 0.4 0.6

East North Central ................................................. 0.8 1.3 1.2 1.1 0.9 0.7 0.8 0.5 0.3 0.9

West North Central ................................................ 1.2 1.2 1.8 1.9 1.9 0.8 0.8 0.3 0.2 0.7

South Atlantic ........................................................ 0.7 1.0 1.3 1.3 0.9 1.1 0.8 0.3 0.5 0.5

East South Central ................................................ 4.0 2.4 5.4 3.2 – 2.7 – 1.0 0.6 –

West South Central ............................................... 1.0 1.4 1.4 1.5 1.4 1.2 0.8 0.5 0.4 0.6

Mountain ................................................................ 1.7 3.3 2.9 3.1 1.5 1.1 1.0 0.3 0.3 1.0

Pacific .................................................................... 1.2 0.7 1.3 1.2 1.1 1.5 0.7 0.5 0.2 0.5

1 The sum of the individual components may be greater than the total because some employees may have access to more than one type of stock option. 2 Less than 0.05. 3 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the threshold. The percentile values are

based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 38. Nonproduction bonuses: Access, private industry workers, National Compensation Survey, March 2009

(All workers = 100 percent)

Characteristics

All

nonproduction

bonuses1

Cash

profit-sharing

bonus

Employee

recognition

bonus

End-of-year

bonus

Holiday

bonus

Payment in

lieu of

benefits

bonus

Longevity

bonus

Referral

bonus

Other

bonus2

All workers ............................................................. 46 5 4 11 10 5 3 7 13

Worker characteristics

Management, professional, and related ................ 55 8 7 13 6 8 2 11 18

Management, business, and financial ............... 62 9 8 19 7 7 1 10 22

Professional and related .................................... 51 7 6 11 6 8 2 11 16

Service ................................................................... 33 1 5 7 8 3 2 7 7

Protective service .............................................. 43 1 – 7 7 2 6 – –

Sales and office ..................................................... 49 4 3 13 14 5 6 7 11

Sales and related ............................................... 43 3 2 9 16 3 9 4 9

Office and administrative support ...................... 54 5 4 15 13 6 3 8 13

Natural resources, construction, and maintenance 47 5 3 15 13 3 2 5 14

Construction, extraction, farming, fishing, and

forestry ............................................................. 42 4 2 15 14 2 2 1 11

Installation, maintenance, and repair ................. 52 6 5 15 12 3 2 8 18

Production, transportation, and material moving ... 47 8 3 11 11 5 2 5 16

Production ......................................................... 51 10 2 12 10 6 1 6 19

Transportation and material moving .................. 44 5 3 10 12 4 2 5 14

Full time ................................................................. 52 6 5 13 11 6 3 8 16

Part time ................................................................ 30 2 2 7 8 2 3 6 6

Union ..................................................................... 38 8 5 5 4 7 1 6 19

Nonunion ............................................................... 47 5 4 12 11 5 3 8 13

Wage percentiles:3

Lowest 10 percent ............................................. 27 1 3 6 9 1 1 5 5

Lowest 25 percent ............................................. 33 1 3 7 10 2 3 6 6

Second 25 percent ............................................ 48 4 3 12 14 5 5 8 12

Third 25 percent ................................................ 51 6 3 14 11 6 2 6 15

Highest 25 percent ............................................ 56 10 8 14 6 7 1 10 21

Highest 10 percent ............................................ 58 12 9 14 5 8 1 10 21

Establishment characteristics

Goods-producing industries ................................... 52 11 3 14 11 6 1 5 18

Construction ...................................................... 44 4 1 18 15 2 2 1 9

Manufacturing .................................................... 55 15 3 12 9 8 1 7 22

Service-providing industries .................................. 45 4 5 11 10 5 3 8 12

Trade, transportation, and utilities ..................... 46 4 3 11 16 3 7 4 10

Wholesale trade ............................................. 56 8 2 19 14 6 2 5 15

Retail trade .................................................... 42 2 1 8 18 2 11 4 7

Transportation and warehousing ................... 46 9 7 7 11 2 3 4 16

Utilities ........................................................... 58 5 – 26 2 6 – – 21

See footnotes at end of table.
Table 38. Nonproduction bonuses: Access, private industry workers, National Compensation Survey, March

2009—Continued

(All workers = 100 percent)

Characteristics

All

nonproduction

bonuses1

Cash

profit-sharing

bonus

Employee

recognition

bonus

End-of-year

bonus

Holiday

bonus

Payment in

lieu of

benefits

bonus

Longevity

bonus

Referral

bonus

Other

bonus2

Information ......................................................... 64 3 15 11 5 4 – 21 38

Financial activities ............................................. 67 8 8 24 9 4 1 11 23

Finance and insurance .................................. 72 10 9 25 8 4 1 12 25

Credit intermediation and related activities 72 6 6 27 7 5 1 11 25

Insurance carriers and related activities .... 70 16 13 18 10 4 – 15 25

Real estate and rental and leasing ................ 51 – 3 21 13 5 – 6 13

Professional and business services .................. 50 7 5 13 8 5 1 9 14

Professional and technical services .............. 65 14 7 20 11 5 1 11 15

Administrative and waste services ................ 33 1 3 6 5 4 2 9 9

Education and health services ........................... 43 2 4 6 8 9 3 11 10

Educational services ...................................... 23 4 ( ) 3 3 3 11 – 2 3

Junior colleges, colleges, and universities 22 4 ( ) 2 1 1 13 – 2 3

Health care and social assistance ................. 46 2 4 7 9 9 3 13 11

Leisure and hospitality ....................................... 29 1 6 7 8 1 1 5 6

Accommodation and food services ................ 29 1 6 7 7 – 1 6 7

Other services ................................................... 36 1 4 12 11 3 1 3 4

1 to 99 workers ...................................................... 44 4 3 14 13 3 1 4 9

1 to 49 workers .................................................. 44 4 2 15 16 3 1 3 8

50 to 99 workers ................................................ 42 5 5 12 6 5 2 6 12

100 workers or more .............................................. 50 6 6 9 7 7 5 11 18

100 to 499 workers ............................................ 46 4 4 8 9 5 6 10 14

500 workers or more .......................................... 55 10 8 10 4 9 2 13 22

Geographic areas

New England ......................................................... 52 6 6 8 14 7 1 9 11

Middle Atlantic ....................................................... 45 3 4 11 7 9 2 7 13

East North Central ................................................. 47 8 3 12 10 7 3 8 15

West North Central ................................................ 47 6 5 15 10 2 3 8 13

South Atlantic ........................................................ 50 4 4 11 12 3 4 10 14

East South Central ................................................ 50 3 – 15 13 – 4 7 14

West South Central ............................................... 46 6 5 9 14 2 3 7 14

Mountain ................................................................ 43 5 2 11 11 6 2 4 10

Pacific .................................................................... 42 6 4 11 6 4 3 5 12

1 The sum of the individual components may be greater than the total because some

employees may have access to more than one type of nonproduction bonus. 2 Includes all other bonuses provided to employees and not published separately. 3 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details. 4 Less than 0.5 percent.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria.

For definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 38. Standard errors for nonproduction bonuses: Access, private industry workers, National Compensation Survey,

March 2009

Characteristics

All

nonproduction

bonuses1

Cash

profit-sharing

bonus

Employee

recognition

bonus

End-of-year

bonus

Holiday

bonus

Payment in

lieu of

benefits

bonus

Longevity

bonus

Referral

bonus

Other

bonus2

All workers ............................................................. 0.7 0.2 0.4 0.4 0.4 0.2 0.2 0.4 0.4

Worker characteristics

Management, professional, and related ................ 1.1 0.5 0.7 0.7 0.5 0.6 0.3 0.7 0.9

Management, business, and financial ............... 1.3 0.8 0.7 0.9 0.7 0.7 0.3 0.8 1.4

Professional and related .................................... 1.4 0.6 0.9 0.8 0.6 0.7 0.4 0.9 0.9

Service ................................................................... 2.0 0.2 1.0 0.9 0.9 0.3 0.3 0.8 0.8

Protective service .............................................. 5.9 0.4 – 2.2 2.0 1.0 2.4 – –

Sales and office ..................................................... 0.9 0.3 0.3 0.5 0.7 0.3 0.4 0.4 0.5

Sales and related ............................................... 1.3 0.5 0.3 0.7 0.9 0.3 0.7 0.5 0.7

Office and administrative support ...................... 1.1 0.4 0.4 0.7 0.8 0.5 0.3 0.5 0.7

Natural resources, construction, and maintenance 1.5 0.6 0.5 1.1 0.9 0.4 0.4 0.6 0.9

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.4 0.8 0.5 1.7 1.2 0.6 0.6 0.5 1.3

Installation, maintenance, and repair ................. 1.8 0.7 0.9 1.4 1.3 0.5 0.6 1.1 1.4

Production, transportation, and material moving ... 1.4 0.6 0.4 0.7 0.7 0.5 0.3 0.7 1.0

Production ......................................................... 2.0 0.8 0.4 0.9 0.9 0.8 0.4 0.9 1.2

Transportation and material moving .................. 1.7 0.6 0.6 0.9 1.1 0.5 0.5 0.8 1.3

Full time ................................................................. 0.7 0.3 0.4 0.4 0.5 0.3 0.2 0.4 0.5

Part time ................................................................ 1.2 0.3 0.4 0.5 0.7 0.2 0.3 0.6 0.5

Union ..................................................................... 1.7 0.7 0.8 0.5 0.7 0.8 0.3 0.6 1.1

Nonunion ............................................................... 0.8 0.3 0.4 0.4 0.5 0.3 0.2 0.4 0.4

Wage percentiles:3

Lowest 10 percent ............................................. 2.1 0.3 0.8 1.3 1.2 0.2 0.3 0.9 1.0

Lowest 25 percent ............................................. 1.2 0.2 0.6 0.6 0.7 0.2 0.3 0.5 0.6

Second 25 percent ............................................ 1.1 0.4 0.6 0.6 0.9 0.4 0.4 0.7 0.6

Third 25 percent ................................................ 0.9 0.4 0.3 0.5 0.7 0.4 0.3 0.5 0.6

Highest 25 percent ............................................ 1.1 0.6 0.7 0.6 0.4 0.5 0.2 0.6 0.8

Highest 10 percent ............................................ 1.3 1.0 1.1 0.7 0.7 0.9 0.2 0.9 1.1

Establishment characteristics

Goods-producing industries ................................... 1.6 0.7 0.3 0.9 0.7 0.7 0.3 0.5 1.0

Construction ...................................................... 2.6 0.8 0.4 1.8 1.4 0.6 0.5 0.6 1.2

Manufacturing .................................................... 2.0 1.1 0.4 0.9 0.8 0.9 0.4 0.7 1.4

Service-providing industries .................................. 0.8 0.3 0.4 0.4 0.5 0.3 0.2 0.4 0.4

Trade, transportation, and utilities ..................... 1.0 0.5 0.3 0.6 0.7 0.3 0.5 0.5 0.6

Wholesale trade ............................................. 2.1 1.3 0.4 1.7 1.5 0.8 0.7 1.1 1.5

Retail trade .................................................... 1.4 0.3 0.3 0.8 0.9 0.4 0.8 0.6 0.7

Transportation and warehousing ................... 3.0 1.2 1.4 1.4 1.9 0.9 1.0 1.4 2.5

Utilities ........................................................... 6.1 2.4 – 5.3 0.7 1.5 – – 3.5

See footnotes at end of table.
Table 38. Standard errors for nonproduction bonuses: Access, private industry workers, National Compensation Survey,

March 2009—Continued

Characteristics

All

nonproduction

bonuses1

Cash

profit-sharing

bonus

Employee

recognition

bonus

End-of-year

bonus

Holiday

bonus

Payment in

lieu of

benefits

bonus

Longevity

bonus

Referral

bonus

Other

bonus2

Information ......................................................... 2.9 0.9 3.2 1.8 1.1 1.2 – 2.1 3.3

Financial activities ............................................. 1.6 1.1 0.6 1.3 0.9 0.5 0.3 0.9 1.6

Finance and insurance .................................. 1.4 1.4 0.7 1.3 0.7 0.5 0.4 1.0 1.6

Credit intermediation and related activities 1.9 0.8 0.8 1.8 1.0 0.7 0.3 1.3 2.3

Insurance carriers and related activities .... 2.6 3.1 1.6 2.0 1.4 0.8 – 2.0 1.9

Real estate and rental and leasing ................ 4.1 – 1.5 3.5 3.0 1.6 – 2.2 2.7

Professional and business services .................. 2.2 0.9 1.0 1.2 1.0 0.9 0.4 1.3 1.4

Professional and technical services .............. 2.8 1.8 1.7 2.2 1.6 1.3 0.6 1.7 2.2

Administrative and waste services ................ 3.3 0.4 1.1 1.0 1.3 0.9 0.6 2.3 2.0

Education and health services ........................... 1.8 0.5 0.7 1.0 1.2 0.8 0.5 1.2 1.0

Educational services ...................................... 2.4 4 ( ) 0.8 1.3 0.8 1.5 – 0.4 0.8

Junior colleges, colleges, and universities 1.9 4 ( ) 0.2 0.4 0.6 1.9 – 0.5 0.6

Health care and social assistance ................. 2.1 0.5 0.8 1.1 1.3 0.9 0.6 1.3 1.1

Leisure and hospitality ....................................... 3.5 0.2 2.3 2.0 1.5 0.3 0.3 1.1 1.4

Accommodation and food services ................ 3.5 0.3 1.9 2.3 1.3 – 0.4 1.2 1.6

Other services ................................................... 2.5 0.6 1.3 1.8 1.7 1.1 0.5 0.8 1.0

1 to 99 workers ...................................................... 0.9 0.3 0.3 0.6 0.6 0.3 0.2 0.5 0.5

1 to 49 workers .................................................. 1.1 0.4 0.3 0.6 0.8 0.3 0.2 0.5 0.6

50 to 99 workers ................................................ 1.7 0.8 0.8 1.0 0.6 0.7 0.5 1.0 1.1

100 workers or more .............................................. 0.9 0.4 0.7 0.6 0.4 0.4 0.3 0.6 0.6

100 to 499 workers ............................................ 1.1 0.4 0.4 0.6 0.6 0.4 0.4 0.8 0.8

500 workers or more .......................................... 1.5 0.7 1.3 1.1 0.7 0.8 0.4 0.9 1.1

Geographic areas

New England ......................................................... 3.0 1.9 0.8 1.5 2.8 1.4 0.6 1.4 0.9

Middle Atlantic ....................................................... 2.0 0.4 0.5 0.7 0.7 1.0 0.4 0.5 1.3

East North Central ................................................. 1.8 0.7 0.7 0.8 0.9 0.5 0.5 0.9 1.1

West North Central ................................................ 2.3 1.0 0.9 1.7 0.9 0.7 0.5 1.7 1.5

South Atlantic ........................................................ 2.1 0.4 0.5 0.9 1.2 0.6 0.6 1.4 1.2

East South Central ................................................ 2.8 1.2 – 2.6 3.1 – 1.0 1.9 1.9

West South Central ............................................... 1.9 1.0 0.7 0.8 0.9 0.3 0.4 0.9 1.3

Mountain ................................................................ 2.3 0.9 0.5 1.2 2.2 0.6 0.4 0.5 1.2

Pacific .................................................................... 1.3 0.6 0.7 0.8 0.7 0.6 0.5 0.5 0.8

1 The sum of the individual components may be greater than the total because some employees may have access to more than one type of nonproduction bonus. 2 Includes all other bonuses provided to employees and not published separately. 3 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the threshold. The percentile values are

based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical Note for more details. 4 Less than 0.05.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 37. Health-related benefits: Access, private industry workers,

 National Compensation Survey, March 2009

(All workers = 100 percent)

Characteristics

Long-term

care

insurance1

Retiree health care

benefits2

Under age

65

Age 65 and

over

All workers ............................................................. 14 17 15

Worker characteristics

Management, professional, and related ................ 23 27 24

Management, business, and financial ............... 27 32 30

Professional and related .................................... 21 25 21

Service ................................................................... 5 4 4

Protective service .............................................. 7 8 7

Sales and office ..................................................... 18 20 19

Sales and related ............................................... 18 20 19

Office and administrative support ...................... 18 19 19

Natural resources, construction, and maintenance 10 14 13

Construction, extraction, farming, fishing, and

forestry ............................................................. 4 9 8

Installation, maintenance, and repair ................. 16 21 19

Production, transportation, and material moving ... 10 16 14

Production ......................................................... 8 16 12

Transportation and material moving .................. 11 16 15

Full time ................................................................. 16 20 18

Part time ................................................................ 9 10 9

Union ..................................................................... 20 37 34

Nonunion ............................................................... 14 15 13

Wage percentiles:3

Lowest 10 percent ............................................. 4 5 4

Lowest 25 percent ............................................. 7 8 7

Second 25 percent ............................................ 11 13 11

Third 25 percent ................................................ 15 18 16

Highest 25 percent ............................................ 26 33 29

Highest 10 percent ............................................ 30 35 33

Establishment characteristics

Goods-producing industries ................................... 10 18 15

Construction ...................................................... 3 5 5

Manufacturing .................................................... 13 23 19

Service-providing industries .................................. 15 17 16

Trade, transportation, and utilities ..................... 17 22 21

Wholesale trade ............................................. 10 10 8

Retail trade .................................................... 16 20 19

Transportation and warehousing ................... 27 36 36

Utilities ........................................................... 40 67 56

See footnotes at end of table.
Table 37. Health-related benefits: Access, private industry workers,

 National Compensation Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics

Long-term

care

insurance1

Retiree health care

benefits2

Under age

65

Age 65 and

over

Information ......................................................... 45 51 51

Financial activities ............................................. 33 34 36

Finance and insurance .................................. 41 43 46

Credit intermediation and related activities 44 44 48

Insurance carriers and related activities .... 38 41 42

Real estate and rental and leasing ................ 5 3 3

Professional and business services .................. 14 16 14

Professional and technical services .............. 17 23 20

Administrative and waste services ................ 6 5 5

Education and health services ........................... 13 12 10

Educational services ...................................... 26 27 25

Junior colleges, colleges, and universities 41 42 41

Health care and social assistance ................. 11 10 7

Leisure and hospitality ....................................... 2 1 –

Accommodation and food services ................ 2 1 –

Other services ................................................... 2 7 7

1 to 99 workers ...................................................... 6 7 6

1 to 49 workers .................................................. 5 5 4

50 to 99 workers ................................................ 8 10 9

100 workers or more .............................................. 24 29 26

100 to 499 workers ............................................ 18 22 21

500 workers or more .......................................... 31 38 33

Geographic areas

New England ......................................................... 15 16 15

Middle Atlantic ....................................................... 14 17 17

East North Central ................................................. 16 18 16

West North Central ................................................ 13 17 14

South Atlantic ........................................................ 15 19 16

East South Central ................................................ 12 13 11

West South Central ............................................... 13 19 16

Mountain ................................................................ 13 14 13

Pacific .................................................................... 14 17 16

1 A health plan that provides long-term

(more than 1 year) custodial care, home care, or

nursing home care. 2 A health plan that provides coverage to a

retiree beyond what is mandated by COBRA or

other health continuation laws. 3 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and

below the threshold. The percentile values are

based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: Dash indicates no workers in this

category or data did not meet publication

criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 37. Standard errors for health-related benefits: Access,

private industry workers, National Compensation Survey, March

2009

Characteristics

Long-term

care

insurance1

Retiree health care

benefits2

Under age

65

Age 65 and

over

All workers ............................................................. 0.4 0.5 0.4

Worker characteristics

Management, professional, and related ................ 0.9 1.2 1.1

Management, business, and financial ............... 1.2 1.7 1.9

Professional and related .................................... 1.0 1.3 1.2

Service ................................................................... 0.5 0.3 0.3

Protective service .............................................. 1.1 1.4 1.2

Sales and office ..................................................... 0.6 0.6 0.6

Sales and related ............................................... 0.9 1.0 0.9

Office and administrative support ...................... 0.6 0.6 0.6

Natural resources, construction, and maintenance 0.7 0.8 0.8

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.8 1.0 1.1

Installation, maintenance, and repair ................. 1.3 1.3 1.3

Production, transportation, and material moving ... 0.7 0.6 0.7

Production ......................................................... 0.8 1.0 0.9

Transportation and material moving .................. 1.1 1.0 1.0

Full time ................................................................. 0.4 0.6 0.5

Part time ................................................................ 0.6 0.5 0.5

Union ..................................................................... 1.3 1.3 1.3

Nonunion ............................................................... 0.4 0.5 0.4

Wage percentiles:3

Lowest 10 percent ............................................. 0.7 0.5 0.4

Lowest 25 percent ............................................. 0.6 0.5 0.4

Second 25 percent ............................................ 0.5 0.6 0.6

Third 25 percent ................................................ 0.6 0.7 0.7

Highest 25 percent ............................................ 0.8 1.1 1.0

Highest 10 percent ............................................ 1.3 1.3 1.3

Establishment characteristics

Goods-producing industries ................................... 0.8 0.9 0.7

Construction ...................................................... 0.7 0.7 0.7

Manufacturing .................................................... 1.2 1.2 1.0

Service-providing industries .................................. 0.4 0.5 0.5

Trade, transportation, and utilities ..................... 0.7 0.8 0.8

Wholesale trade ............................................. 1.2 1.1 1.1

Retail trade .................................................... 0.9 1.0 1.0

Transportation and warehousing ................... 2.8 2.5 2.5

Utilities ........................................................... 4.8 4.3 5.1

See footnotes at end of table.
Table 37. Standard errors for health-related benefits: Access,

private industry workers, National Compensation Survey, March

2009—Continued

Characteristics

Long-term

care

insurance1

Retiree health care

benefits2

Under age

65

Age 65 and

over

Information ......................................................... 2.8 3.6 3.7

Financial activities ............................................. 1.2 1.2 1.1

Finance and insurance .................................. 1.2 1.3 1.3

Credit intermediation and related activities 2.0 1.8 2.0

Insurance carriers and related activities .... 2.5 2.3 2.3

Real estate and rental and leasing ................ 1.5 1.2 1.1

Professional and business services .................. 1.3 1.3 1.2

Professional and technical services .............. 2.0 2.8 2.6

Administrative and waste services ................ 1.6 0.9 0.9

Education and health services ........................... 0.8 1.0 0.8

Educational services ...................................... 2.0 2.3 2.0

Junior colleges, colleges, and universities 2.5 2.4 2.6

Health care and social assistance ................. 0.9 1.1 0.8

Leisure and hospitality ....................................... 0.5 0.2 –

Accommodation and food services ................ 0.5 0.3 –

Other services ................................................... 0.9 1.9 1.9

1 to 99 workers ...................................................... 0.3 0.3 0.3

1 to 49 workers .................................................. 0.4 0.4 0.3

50 to 99 workers ................................................ 0.7 0.7 0.7

100 workers or more .............................................. 0.8 1.0 0.9

100 to 499 workers ............................................ 0.8 0.9 0.9

500 workers or more .......................................... 1.7 2.1 1.9

Geographic areas

New England ......................................................... 1.2 1.3 1.2

Middle Atlantic ....................................................... 1.0 1.4 1.4

East North Central ................................................. 0.8 0.9 0.7

West North Central ................................................ 1.2 1.6 1.5

South Atlantic ........................................................ 1.0 1.2 1.0

East South Central ................................................ 2.5 3.0 3.3

West South Central ............................................... 1.0 1.8 1.4

Mountain ................................................................ 0.9 1.0 1.0

Pacific .................................................................... 0.7 1.0 1.0

1 A health plan that provides long-term (more than 1 year) custodial care, home care, or nursing

home care. 2 A health plan that provides coverage to a retiree beyond what is mandated by COBRA or other

health continuation laws. 3 The percentile groupings are based on the average wage for each occupation surveyed, which

may include workers both above and below the threshold. The percentile values are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 39. Benefit combinations: Access, private industry workers, National Compensation Survey, March 2009

(All workers = 100 percent)

Characteristics

Medical care and retirement benefits Medical care and life insurance

Medical

care and

retirement

benefits

Medical

care and no

retirement

benefits

Retirement

benefits

and no

medical

care

benefits

No medical

care and no

retirement

benefits

Medical

care

benefits

and life

insurance

Medical

care

benefits

and no life

insurance

Life

insurance

and no

medical

care

benefits

No medical

care and no

life

insurance

All workers ............................................................. 60 11 7 22 58 13 2 28

Worker characteristics

Management, professional, and related ................ 76 10 4 10 75 11 2 13

Management, business, and financial ............... 84 10 2 4 84 10 1 5

Professional and related .................................... 72 10 5 13 71 11 2 16

Service ................................................................... 34 12 11 43 34 12 2 53

Protective service .............................................. 36 – – 36 47 – – 37

Sales and office ..................................................... 62 10 9 19 57 14 1 27

Sales and related ............................................... 53 10 13 24 47 16 1 36

Office and administrative support ...................... 68 9 6 16 64 13 1 21

Natural resources, construction, and maintenance 64 13 4 19 55 21 1 22

Construction, extraction, farming, fishing, and

forestry ............................................................. 58 12 6 24 45 25 2 28

Installation, maintenance, and repair ................. 70 14 2 14 66 17 1 15

Production, transportation, and material moving ... 64 12 5 19 64 13 2 22

Production ......................................................... 67 15 3 15 70 11 2 17

Transportation and material moving .................. 62 10 6 22 58 14 1 27

Full time ................................................................. 73 13 3 11 72 14 1 13

Part time ................................................................ 20 4 20 57 13 10 2 74

Union ..................................................................... 84 6 3 7 78 12 1 9

Nonunion ............................................................... 57 12 8 24 55 13 2 30

Wage percentiles:2

Lowest 10 percent ............................................. 17 8 19 56 16 10 1 74

Lowest 25 percent ............................................. 29 10 14 47 27 12 2 60

Second 25 percent ............................................ 64 14 5 17 62 15 2 21

Third 25 percent ................................................ 73 13 4 11 70 16 1 13

Highest 25 percent ............................................ 81 8 3 8 77 11 1 10

Highest 10 percent ............................................ 83 7 3 6 81 10 2 8

Establishment characteristics

Goods-producing industries ................................... 72 13 4 11 70 15 2 13

Construction ...................................................... 56 15 6 23 43 28 1 27

Manufacturing .................................................... 78 12 2 7 81 10 1 8

Service-providing industries .................................. 57 10 8 24 55 13 2 31

Trade, transportation, and utilities ..................... 64 9 9 18 57 16 1 26

Wholesale trade ............................................. 76 11 4 9 70 18 1 12

Retail trade .................................................... 55 8 13 23 46 18 1 35

Transportation and warehousing ................... 73 9 3 15 73 9 2 16

Utilities ........................................................... 93 – – 4 91 – – 5

See footnotes at end of table.
Table 39. Benefit combinations: Access, private industry workers, National Compensation Survey, March

2009—Continued

(All workers = 100 percent)

Characteristics

Medical care and retirement benefits Medical care and life insurance

Medical

care and

retirement

benefits

Medical

care and no

retirement

benefits

Retirement

benefits

and no

medical

care

benefits

No medical

care and no

retirement

benefits

Medical

care

benefits

and life

insurance

Medical

care

benefits

and no life

insurance

Life

insurance

and no

medical

care

benefits

No medical

care and no

life

insurance

Information ......................................................... 80 8 4 9 80 – – 12

Financial activities ............................................. 80 6 4 9 77 9 1 12

Finance and insurance .................................. 86 5 3 6 84 6 1 8

Credit intermediation and related activities 90 3 4 3 88 5 1 6

Insurance carriers and related activities .... 82 6 3 9 79 9 1 11

Real estate and rental and leasing ................ 60 13 6 22 52 – – 26

Professional and business services .................. 54 13 5 27 56 12 2 30

Professional and technical services .............. 69 15 4 12 70 14 1 15

Administrative and waste services ................ 31 13 6 49 33 12 3 52

Education and health services ........................... 64 11 7 18 62 13 2 23

Educational services ...................................... 70 8 5 17 67 11 1 21

Junior colleges, colleges, and universities 87 3 1 9 85 4 1 9

Health care and social assistance ................. 63 11 7 19 61 13 2 24

Leisure and hospitality ....................................... 26 11 13 50 27 11 1 62

Accommodation and food services ................ 25 11 13 50 26 11 1 62

Other services ................................................... 38 14 7 40 36 16 1 47

1 to 99 workers ...................................................... 44 15 9 32 41 18 1 39

1 to 49 workers .................................................. 39 16 9 36 37 18 2 43

50 to 99 workers ................................................ 57 13 9 20 54 16 1 28

100 workers or more .............................................. 78 6 5 11 76 9 2 14

100 to 499 workers ............................................ 73 8 6 13 69 12 2 17

500 workers or more .......................................... 84 4 4 8 84 4 1 10

Geographic areas

New England ......................................................... 57 13 6 24 57 13 1 29

Middle Atlantic ....................................................... 62 10 6 21 54 18 1 26

East North Central ................................................. 62 10 8 20 63 9 1 27

West North Central ................................................ 61 7 9 23 58 10 2 30

South Atlantic ........................................................ 61 11 8 20 60 12 1 27

East South Central ................................................ 62 12 7 19 62 11 2 25

West South Central ............................................... 55 11 8 26 56 10 2 32

Mountain ................................................................ 60 9 6 24 55 14 2 29

Pacific .................................................................... 58 14 5 23 52 20 1 27

See footnotes at end of table.
Table 39. Benefit combinations: Access, private industry workers, National Compensation Survey, March

2009—Continued

(All workers = 100 percent)

Characteristics

Defined benefit retirement and medical care

benefits

Defined contribution retirement and medical care

benefits

Defined

benefit and

medical

care

benefits

Defined

benefit and

no medical

care

benefits

Medical

care

benefits

and no

defined

benefit

No defined

benefit and

no medical

care

benefits

Defined

contribution

and

medical

care

benefits

Defined

contribution

and no

medical

care

benefits

Medical

care

benefits

and no

defined

contribution

No defined

contribution

and no

medical

care

benefits

All workers ............................................................. 20 1 51 28 55 6 16 23

Worker characteristics

Management, professional, and related ................ 29 1 57 13 72 4 14 11

Management, business, and financial ............... 35 1 ( ) 59 6 81 2 13 4

Professional and related .................................... 26 1 56 17 68 4 14 14

Service ................................................................... 8 1 38 54 30 11 16 44

Protective service .............................................. 6 1 50 43 35 7 21 37

Sales and office ..................................................... 18 2 54 26 59 8 13 21

Sales and related ............................................... 11 3 52 34 50 11 13 26

Office and administrative support ...................... 23 1 55 21 65 5 13 17

Natural resources, construction, and maintenance 26 1 51 23 54 4 23 19

Construction, extraction, farming, fishing, and

forestry ............................................................. – – 46 29 46 5 24 24

Installation, maintenance, and repair ................. 27 1 56 16 63 2 21 14

Production, transportation, and material moving ... 25 1 52 22 56 4 21 19

Production ......................................................... 26 1 ( ) 56 18 60 3 22 15

Transportation and material moving .................. 24 1 48 27 51 5 21 23

Full time ................................................................. 24 1 ( ) 61 14 67 3 19 11

Part time ................................................................ 7 3 16 73 16 17 8 59

Union ..................................................................... 67 1 23 9 52 2 38 8

Nonunion ............................................................... 15 1 54 30 55 7 14 24

Wage percentiles:2

Lowest 10 percent ............................................. 3 2 22 73 16 17 10 58

Lowest 25 percent ............................................. 5 2 33 59 26 13 12 49

Second 25 percent ............................................ 16 1 62 22 59 5 18 18

Third 25 percent ................................................ 25 1 61 14 66 4 20 11

Highest 25 percent ............................................ 38 1 50 10 74 3 15 8

Highest 10 percent ............................................ 38 1 52 9 78 3 12 6

Establishment characteristics

Goods-producing industries ................................... 30 1 55 14 64 3 21 12

Construction ...................................................... – – 53 28 46 5 25 23

Manufacturing .................................................... 35 1 56 9 71 2 19 7

Service-providing industries .................................. 18 1 50 31 53 7 15 25

Trade, transportation, and utilities ..................... 19 3 54 25 57 7 16 20

Wholesale trade ............................................. 16 1 71 12 72 3 15 9

Retail trade .................................................... 12 4 51 32 50 10 14 26

Transportation and warehousing ................... 35 – 47 – 58 3 24 15

Utilities ........................................................... 85 – 10 – 90 2 5 4

See footnotes at end of table.
Table 39. Benefit combinations: Access, private industry workers, National Compensation Survey, March

2009—Continued

(All workers = 100 percent)

Characteristics

Defined benefit retirement and medical care

benefits

Defined contribution retirement and medical care

benefits

Defined

benefit and

medical

care

benefits

Defined

benefit and

no medical

care

benefits

Medical

care

benefits

and no

defined

benefit

No defined

benefit and

no medical

care

benefits

Defined

contribution

and

medical

care

benefits

Defined

contribution

and no

medical

care

benefits

Medical

care

benefits

and no

defined

contribution

No defined

contribution

and no

medical

care

benefits

Information ......................................................... 48 – 39 – 77 4 10 9

Financial activities ............................................. 42 1 45 13 78 4 9 9

Finance and insurance .................................. 51 1 40 9 84 3 7 6

Credit intermediation and related activities 56 1 37 6 87 4 6 3

Insurance carriers and related activities .... 47 1 ( ) 41 12 80 3 8 9

Real estate and rental and leasing ................ – – 61 27 55 6 18 22

Professional and business services .................. – – 54 32 53 5 15 27

Professional and technical services .............. – – 74 16 68 4 16 12

Administrative and waste services ................ – – 36 55 30 6 15 49

Education and health services ........................... 20 1 55 24 57 6 18 19

Educational services ...................................... – – 62 20 64 3 14 19

Junior colleges, colleges, and universities 18 – 72 – 85 1 4 9

Health care and social assistance ................. 21 1 54 25 56 7 18 19

Leisure and hospitality ....................................... 2 1 35 62 24 13 13 50

Accommodation and food services ................ – – 34 63 24 13 13 50

Other services ................................................... 8 1 44 47 33 7 19 41

1 to 99 workers ...................................................... 9 1 50 40 41 8 18 33

1 to 49 workers .................................................. 8 1 48 44 37 8 18 36

50 to 99 workers ................................................ 13 1 57 28 53 8 18 21

100 workers or more .............................................. 33 1 51 14 70 4 14 12

100 to 499 workers ............................................ 22 2 59 17 67 5 14 14

500 workers or more .......................................... 47 1 41 11 75 3 14 8

Geographic areas

New England ......................................................... – – 50 29 53 5 18 25

Middle Atlantic ....................................................... 26 1 47 26 55 6 18 22

East North Central ................................................. 25 1 47 27 55 7 17 21

West North Central ................................................ 21 1 48 31 55 8 13 23

South Atlantic ........................................................ 17 1 55 27 58 7 14 21

East South Central ................................................ – – 61 25 59 7 15 20

West South Central ............................................... 17 1 49 33 53 7 14 26

Mountain ................................................................ 15 2 54 29 57 5 13 25

Pacific .................................................................... 22 1 50 27 51 5 20 24

1 Less than 0.5 percent. 2 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2008." See Technical Note for

more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dash

indicates no workers in this category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 39. Standard errors for benefit combinations: Access, private industry workers, National Compensation

Survey, March 2009

Characteristics

Medical care and retirement benefits Medical care and life insurance

Medical

care and

retirement

benefits

Medical

care and no

retirement

benefits

Retirement

benefits

and no

medical

care

benefits

No medical

care and no

retirement

benefits

Medical

care

benefits

and life

insurance

Medical

care

benefits

and no life

insurance

Life

insurance

and no

medical

care

benefits

No medical

care and no

life

insurance

All workers ............................................................. 0.6 0.5 0.3 0.6 0.7 0.4 0.1 0.7

Worker characteristics

Management, professional, and related ................ 1.0 0.9 0.5 0.8 1.0 0.7 0.2 0.9

Management, business, and financial ............... 1.2 0.9 0.4 0.7 1.0 0.7 0.3 0.9

Professional and related .................................... 1.1 1.1 0.7 1.0 1.3 1.0 0.3 1.2

Service ................................................................... 2.0 1.0 1.0 2.0 2.3 1.0 0.3 2.0

Protective service .............................................. 4.5 – – 5.7 5.7 – – 4.8

Sales and office ..................................................... 0.8 0.5 0.5 0.9 0.8 0.5 0.2 0.8

Sales and related ............................................... 1.0 0.7 0.8 1.2 1.1 0.7 0.3 1.1

Office and administrative support ...................... 1.2 0.7 0.5 1.1 1.2 0.8 0.2 1.2

Natural resources, construction, and maintenance 1.5 0.9 0.5 1.4 1.5 1.2 0.4 1.3

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.1 1.3 1.0 2.1 1.9 1.7 0.7 2.0

Installation, maintenance, and repair ................. 1.7 1.2 0.5 1.6 2.0 1.6 0.3 1.6

Production, transportation, and material moving ... 1.3 0.8 0.5 1.1 1.2 0.7 0.3 1.2

Production ......................................................... 1.8 1.2 0.5 1.4 1.6 0.9 0.4 1.4

Transportation and material moving .................. 1.8 1.0 0.7 1.7 1.7 1.1 0.3 1.8

Full time ................................................................. 0.6 0.6 0.2 0.4 0.7 0.5 0.2 0.5

Part time ................................................................ 0.8 0.4 1.0 1.4 0.7 0.6 0.3 0.9

Union ..................................................................... 1.4 0.9 0.7 1.2 1.4 1.1 0.3 1.4

Nonunion ............................................................... 0.7 0.6 0.3 0.7 0.8 0.4 0.1 0.7

Wage percentiles:2

Lowest 10 percent ............................................. 2.6 0.9 1.5 2.9 3.0 1.2 0.3 3.0

Lowest 25 percent ............................................. 1.3 0.6 0.8 1.5 1.6 0.7 0.3 1.4

Second 25 percent ............................................ 1.2 0.8 0.5 1.0 1.2 0.7 0.2 1.1

Third 25 percent ................................................ 0.8 0.7 0.4 0.6 0.8 0.6 0.2 0.7

Highest 25 percent ............................................ 0.7 0.5 0.5 0.7 0.8 0.6 0.2 0.8

Highest 10 percent ............................................ 1.0 0.7 0.8 0.7 1.2 1.0 0.3 1.1

Establishment characteristics

Goods-producing industries ................................... 1.0 0.8 0.4 0.8 0.9 0.6 0.3 0.8

Construction ...................................................... 2.0 1.4 0.9 2.0 1.9 2.0 0.5 2.0

Manufacturing .................................................... 1.3 1.0 0.4 0.7 1.1 0.8 0.3 0.8

Service-providing industries .................................. 0.8 0.6 0.4 0.8 0.9 0.4 0.1 0.8

Trade, transportation, and utilities ..................... 1.0 0.6 0.5 0.9 1.0 0.7 0.2 0.8

Wholesale trade ............................................. 2.3 1.7 1.0 1.0 2.5 2.0 0.4 1.4

Retail trade .................................................... 1.1 0.7 0.8 1.1 1.2 0.9 0.3 1.1

Transportation and warehousing ................... 2.7 1.7 0.9 2.4 2.6 1.5 0.7 2.5

Utilities ........................................................... 2.2 – – 1.8 2.2 – – 1.9

See footnotes at end of table.
Table 39. Standard errors for benefit combinations: Access, private industry workers, National Compensation

Survey, March 2009—Continued

Characteristics

Medical care and retirement benefits Medical care and life insurance

Medical

care and

retirement

benefits

Medical

care and no

retirement

benefits

Retirement

benefits

and no

medical

care

benefits

No medical

care and no

retirement

benefits

Medical

care

benefits

and life

insurance

Medical

care

benefits

and no life

insurance

Life

insurance

and no

medical

care

benefits

No medical

care and no

life

insurance

Information ......................................................... 2.9 1.7 1.1 2.0 3.0 – – 2.3

Financial activities ............................................. 1.4 0.9 0.5 0.9 1.5 0.9 0.2 1.0

Finance and insurance .................................. 1.0 0.7 0.4 0.6 1.0 0.7 0.3 0.6

Credit intermediation and related activities 1.0 0.6 0.5 0.6 1.1 0.7 0.4 0.5

Insurance carriers and related activities .... 1.8 1.3 0.6 1.3 2.0 1.5 0.4 1.4

Real estate and rental and leasing ................ 3.8 2.5 1.5 3.2 4.2 – – 3.2

Professional and business services .................. 1.9 1.5 0.8 1.7 1.9 1.2 0.4 1.8

Professional and technical services .............. 2.5 2.4 0.9 2.0 2.5 2.0 0.3 1.9

Administrative and waste services ................ 2.6 2.0 1.4 3.0 2.9 1.9 0.9 3.2

Education and health services ........................... 1.7 1.4 0.8 1.4 1.6 1.2 0.3 1.5

Educational services ...................................... 2.3 1.6 2.2 1.9 2.8 1.4 0.3 2.3

Junior colleges, colleges, and universities 1.1 0.2 0.3 1.0 1.3 0.7 0.3 1.0

Health care and social assistance ................. 1.9 1.6 0.9 1.5 1.7 1.3 0.4 1.7

Leisure and hospitality ....................................... 5.2 1.2 1.8 4.6 5.6 1.6 0.4 4.9

Accommodation and food services ................ 5.2 1.3 1.9 4.6 5.8 1.8 0.5 5.0

Other services ................................................... 2.7 2.3 1.4 3.4 2.9 2.1 0.4 3.3

1 to 99 workers ...................................................... 0.8 0.8 0.5 1.0 0.9 0.6 0.2 1.0

1 to 49 workers .................................................. 1.0 1.0 0.5 1.2 1.1 0.7 0.2 1.1

50 to 99 workers ................................................ 1.6 1.2 1.0 1.3 1.7 1.3 0.4 1.4

100 workers or more .............................................. 0.8 0.5 0.4 0.6 0.8 0.4 0.2 0.7

100 to 499 workers ............................................ 1.2 0.7 0.5 1.0 1.1 0.7 0.3 1.0

500 workers or more .......................................... 0.9 0.7 0.6 0.8 1.0 0.5 0.2 0.7

Geographic areas

New England ......................................................... 1.9 2.0 1.1 1.5 1.6 1.3 0.2 1.1

Middle Atlantic ....................................................... 1.5 0.9 0.9 1.6 1.6 1.1 0.4 1.9

East North Central ................................................. 1.4 1.2 0.7 1.0 1.4 0.6 0.3 1.2

West North Central ................................................ 1.9 1.1 1.1 1.5 1.8 1.1 0.4 1.5

South Atlantic ........................................................ 1.5 1.5 0.8 1.5 1.6 0.9 0.3 1.4

East South Central ................................................ 5.0 1.1 1.3 5.5 7.6 2.5 0.6 5.9

West South Central ............................................... 1.9 0.9 1.3 1.5 1.9 0.9 0.7 2.0

Mountain ................................................................ 2.7 1.9 0.8 3.0 2.4 1.7 0.5 3.2

Pacific .................................................................... 1.7 1.4 0.6 1.5 1.9 1.4 0.3 1.4

See footnotes at end of table.
Table 39. Standard errors for benefit combinations: Access, private industry workers, National Compensation

Survey, March 2009—Continued

Characteristics

Defined benefit retirement and medical care

benefits

Defined contribution retirement and medical care

benefits

Defined

benefit and

medical

care

benefits

Defined

benefit and

no medical

care

benefits

Medical

care

benefits

and no

defined

benefit

No defined

benefit and

no medical

care

benefits

Defined

contribution

and

medical

care

benefits

Defined

contribution

and no

medical

care

benefits

Medical

care

benefits

and no

defined

contribution

No defined

contribution

and no

medical

care

benefits

All workers ............................................................. 0.5 0.1 0.7 0.7 0.6 0.3 0.5 0.6

Worker characteristics

Management, professional, and related ................ 1.0 0.3 1.2 1.0 1.0 0.5 1.0 0.8

Management, business, and financial ............... 1.5 1 ( ) 1.3 0.8 1.2 0.4 1.0 0.7

Professional and related .................................... 1.0 0.4 1.5 1.2 1.2 0.6 1.2 1.1

Service ................................................................... 0.6 0.1 2.2 2.0 2.1 0.9 1.1 2.0

Protective service .............................................. 1.0 0.4 5.8 5.4 4.6 2.3 6.1 5.7

Sales and office ..................................................... 0.6 0.2 0.9 0.8 0.8 0.4 0.6 0.9

Sales and related ............................................... 0.8 0.4 1.4 1.1 1.0 0.7 0.8 1.2

Office and administrative support ...................... 0.8 0.3 1.1 1.1 1.3 0.5 0.8 1.1

Natural resources, construction, and maintenance 1.4 0.2 1.4 1.4 1.4 0.5 1.1 1.4

Construction, extraction, farming, fishing, and

forestry ............................................................. – – 2.1 2.1 2.1 0.9 1.7 2.1

Installation, maintenance, and repair ................. 1.7 0.2 1.8 1.6 1.7 0.5 1.4 1.6

Production, transportation, and material moving ... 1.1 0.2 1.1 1.2 1.2 0.4 1.0 1.1

Production ......................................................... 1.3 1 ( ) 1.6 1.5 1.8 0.5 1.3 1.4

Transportation and material moving .................. 1.5 0.3 1.5 1.8 1.8 0.7 1.4 1.7

Full time ................................................................. 0.7 1 ( ) 0.8 0.5 0.6 0.2 0.6 0.4

Part time ................................................................ 0.5 0.3 0.8 1.0 0.7 0.9 0.5 1.3

Union ..................................................................... 1.7 0.3 1.6 1.3 1.5 0.7 1.4 1.3

Nonunion ............................................................... 0.5 0.1 0.7 0.8 0.7 0.3 0.6 0.7

Wage percentiles:2

Lowest 10 percent ............................................. 0.4 0.5 3.0 2.9 2.7 1.5 1.0 2.9

Lowest 25 percent ............................................. 0.4 0.3 1.5 1.4 1.3 0.7 0.7 1.5

Second 25 percent ............................................ 0.8 0.1 1.0 1.0 1.1 0.5 0.8 1.0

Third 25 percent ................................................ 0.7 0.1 0.9 0.7 0.9 0.4 0.8 0.6

Highest 25 percent ............................................ 1.0 0.3 1.3 0.8 0.8 0.4 0.7 0.7

Highest 10 percent ............................................ 1.3 0.3 1.4 1.0 1.0 0.8 1.0 0.7

Establishment characteristics

Goods-producing industries ................................... 1.2 0.2 1.3 0.8 1.1 0.4 0.9 0.8

Construction ...................................................... – – 2.0 2.0 1.9 0.9 1.6 2.0

Manufacturing .................................................... 1.6 0.2 1.5 0.8 1.4 0.4 1.1 0.7

Service-providing industries .................................. 0.5 0.1 0.9 0.8 0.8 0.3 0.6 0.8

Trade, transportation, and utilities ..................... 1.0 0.3 1.0 0.8 1.1 0.5 0.8 0.9

Wholesale trade ............................................. 1.8 0.4 2.2 1.3 2.4 0.9 1.8 1.1

Retail trade .................................................... 0.9 0.5 1.3 1.1 1.2 0.7 0.9 1.1

Transportation and warehousing ................... 3.1 – 3.1 – 2.9 0.9 2.4 2.4

Utilities ........................................................... 3.2 – 2.8 – 2.5 0.6 1.7 1.8

See footnotes at end of table.
Table 39. Standard errors for benefit combinations: Access, private industry workers, National Compensation

Survey, March 2009—Continued

Characteristics

Defined benefit retirement and medical care

benefits

Defined contribution retirement and medical care

benefits

Defined

benefit and

medical

care

benefits

Defined

benefit and

no medical

care

benefits

Medical

care

benefits

and no

defined

benefit

No defined

benefit and

no medical

care

benefits

Defined

contribution

and

medical

care

benefits

Defined

contribution

and no

medical

care

benefits

Medical

care

benefits

and no

defined

contribution

No defined

contribution

and no

medical

care

benefits

Information ......................................................... 4.0 – 3.3 – 2.9 1.1 1.8 2.0

Financial activities ............................................. 1.3 0.1 1.5 1.0 1.6 0.5 1.1 0.9

Finance and insurance .................................. 1.4 0.1 1.5 0.7 1.2 0.4 0.9 0.6

Credit intermediation and related activities 2.1 0.2 2.0 0.7 1.3 0.5 1.1 0.6

Insurance carriers and related activities .... 2.7 1 ( ) 2.8 1.5 1.9 0.6 1.4 1.3

Real estate and rental and leasing ................ – – 3.7 3.3 4.4 1.5 3.4 3.2

Professional and business services .................. – – 1.9 1.8 1.8 0.8 1.5 1.7

Professional and technical services .............. – – 2.5 1.9 2.6 0.9 2.5 2.0

Administrative and waste services ................ – – 2.8 3.2 2.5 1.4 2.1 3.0

Education and health services ........................... 1.2 0.2 1.6 1.5 1.9 0.8 1.5 1.5

Educational services ...................................... – – 2.4 2.1 2.1 1.2 1.8 2.4

Junior colleges, colleges, and universities 3.2 – 2.9 – 1.3 0.3 0.7 1.0

Health care and social assistance ................. 1.3 0.3 1.8 1.7 2.1 0.9 1.8 1.6

Leisure and hospitality ....................................... 0.5 0.2 5.1 4.9 5.2 1.7 1.2 4.6

Accommodation and food services ................ – – 5.3 5.1 5.3 1.9 1.3 4.6

Other services ................................................... 1.5 0.4 3.1 3.4 2.6 1.3 2.7 3.4

1 to 99 workers ...................................................... 0.5 0.1 1.0 1.0 0.8 0.5 0.8 1.0

1 to 49 workers .................................................. 0.5 0.1 1.1 1.2 0.9 0.5 1.0 1.1

50 to 99 workers ................................................ 1.3 0.3 1.8 1.4 1.6 1.0 1.3 1.3

100 workers or more .............................................. 1.1 0.2 1.2 0.7 0.8 0.4 0.6 0.7

100 to 499 workers ............................................ 1.0 0.3 1.2 1.0 1.1 0.5 0.7 1.0

500 workers or more .......................................... 2.5 0.2 2.7 0.7 1.1 0.6 0.9 0.8

Geographic areas

New England ......................................................... – – 1.7 1.3 1.8 1.0 1.9 1.3

Middle Atlantic ....................................................... 1.3 0.2 1.7 1.9 1.3 0.9 1.0 1.8

East North Central ................................................. 1.2 0.2 1.2 1.2 1.3 0.7 1.3 1.0

West North Central ................................................ 1.4 0.3 1.5 1.4 1.7 1.0 1.7 1.5

South Atlantic ........................................................ 0.7 0.3 1.5 1.4 1.6 0.8 1.7 1.5

East South Central ................................................ – – 6.0 5.8 5.3 1.1 1.1 5.4

West South Central ............................................... 1.3 0.2 2.0 2.0 1.8 1.2 1.1 1.6

Mountain ................................................................ 1.3 0.4 2.7 3.4 2.4 1.1 2.3 2.4

Pacific .................................................................... 1.6 0.3 1.9 1.5 1.7 0.6 1.4 1.5

1 Less than 0.05. 2 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2008." See Technical Note for

more details.

NOTE: Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
State and Local Government Tables 

___________________________________________________________________________ 

Types of Benefits 

• Retirement Benefits

• Health Care Benefits 

• Life, Short-term Disability, and Long-term Disability Insurance Benefits

• Establishment Data

• Holidays, Vacation and Sick Leave, and Other Leave Benefits

• Other Benefits

___________________________________________________________________________ 
Table 2. Retirement benefits: Access, participation, and take-up rates,1 State and local government workers, National

Compensation Survey, March 2009

(All workers = 100 percent)

Characteristics

All retirement benefits2 Defined benefit Defined contribution

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

All workers ............................................................. 90 86 95 84 79 94 30 17 58

Worker characteristics

Management, professional, and related ................ 92 87 95 87 82 94 30 17 56

Professional and related .................................... 91 87 95 87 82 94 28 16 55

Teachers ........................................................ 91 88 96 89 84 95 24 13 52

Primary, secondary, and special education

school teachers ........................................ 97 94 97 96 94 97 17 7 45

Registered nurses ......................................... 94 86 92 76 71 93 48 29 60

Service ................................................................... 84 79 95 77 73 95 28 17 60

Protective service .............................................. 91 86 95 84 80 95 35 22 62

Sales and office ..................................................... 90 87 96 82 77 95 33 21 63

Office and administrative support ...................... 91 88 96 83 79 95 33 21 62

Natural resources, construction, and maintenance 94 91 97 87 83 96 34 18 54

Production, transportation, and material moving ... 88 85 97 80 78 97 23 15 67

Full time ................................................................. 99 95 96 92 87 95 34 20 59

Part time ................................................................ 41 37 89 38 34 90 10 5 53

Union ..................................................................... 97 94 96 96 91 95 26 14 53

Nonunion ............................................................... 84 79 95 74 69 93 33 20 62

Wage percentiles:3

Lowest 10 percent ............................................. 58 54 92 49 45 92 18 11 61

Lowest 25 percent ............................................. 74 69 94 65 61 94 25 14 58

Second 25 percent ............................................ 94 89 95 88 82 94 33 19 57

Third 25 percent ................................................ 95 91 96 89 84 95 32 19 58

Highest 25 percent ............................................ 97 94 96 94 89 95 31 18 59

Highest 10 percent ............................................ 97 94 96 92 87 94 33 19 58

Establishment characteristics

Service-providing industries .................................. 90 85 95 84 79 94 30 18 59

Education and health services ........................... 91 87 95 86 81 94 28 16 56

Educational services ...................................... 91 87 96 89 84 95 23 12 53

Elementary and secondary schools ........... 93 90 97 92 89 97 16 7 46

Junior colleges, colleges, and universities 86 79 92 78 66 85 48 29 61

Health care and social assistance ................. 92 83 90 70 62 89 57 37 66

Hospitals .................................................... 93 83 90 66 59 88 61 41 68

Public administration ......................................... 89 85 96 83 79 95 34 21 60

1 to 99 workers ...................................................... 78 75 96 66 63 95 26 19 73

1 to 49 workers .................................................. 72 68 95 58 54 93 25 18 72

50 to 99 workers ................................................ 88 85 97 78 76 97 28 21 74

100 workers or more .............................................. 91 87 95 86 82 94 30 17 57

100 to 499 workers ............................................ 87 83 95 81 76 95 27 15 56

500 workers or more .......................................... 93 89 95 88 83 94 32 18 57

See footnotes at end of table.
Table 2. Retirement benefits: Access, participation, and take-up rates,1 State and local government workers, National

Compensation Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics

All retirement benefits2 Defined benefit Defined contribution

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

State government .................................................. 93 87 94 87 78 90 45 26 58

Local government .................................................. 89 85 96 82 79 96 25 15 59

Geographic areas

New England ......................................................... 86 83 97 86 83 97 7 6 85

Middle Atlantic ....................................................... 92 86 94 89 82 92 19 12 64

East North Central ................................................. 85 82 97 80 77 96 36 14 40

West North Central ................................................ 89 81 91 76 63 83 32 24 74

South Atlantic ........................................................ 91 85 94 88 81 93 49 21 44

East South Central ................................................ 90 86 96 80 78 98 24 14 59

West South Central ............................................... 90 88 98 78 77 98 26 18 70

Mountain ................................................................ 89 86 97 84 81 97 22 15 67

Pacific .................................................................... 92 89 97 88 85 97 26 23 89

1 The take-up rate is an estimate of the percentage of workers with access to a plan

who participate in the plan, rounded for presentation. See Technical Note for more details. 2 Includes defined benefit pension plans and defined contribution retirement plans. The

total is less than the sum of the individual items because some employees had access to

and participated in both types of plans. 3 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 2. Standard errors for retirement benefits: Access, participation, and take-up rates,1 State and local government

workers, National Compensation Survey, March 2009

Characteristics

All retirement benefits2 Defined benefit Defined contribution

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

All workers ............................................................. 0.6 0.7 0.4 0.9 0.8 1.0 1.5 1.1 2.6

Worker characteristics

Management, professional, and related ................ 0.6 0.6 0.5 0.9 1.0 1.1 1.7 1.3 3.1

Professional and related .................................... 0.6 0.6 0.5 0.9 1.1 1.2 1.7 1.3 3.2

Teachers ........................................................ 0.8 0.8 0.4 1.1 1.1 0.9 1.7 1.3 3.8

Primary, secondary, and special education

school teachers ........................................ 0.4 0.5 0.4 0.5 0.6 0.4 1.7 1.0 4.8

Registered nurses ......................................... 1.8 2.4 1.5 4.0 4.0 3.9 4.7 3.9 6.0

Service ................................................................... 1.3 1.5 0.6 1.6 1.7 0.7 1.7 1.2 2.6

Protective service .............................................. 1.0 1.3 0.9 2.0 2.1 1.1 2.7 2.0 3.7

Sales and office ..................................................... 1.4 1.5 0.5 1.9 1.6 1.4 2.1 1.7 3.3

Office and administrative support ...................... 1.3 1.4 0.5 1.8 1.5 1.4 2.2 1.8 3.5

Natural resources, construction, and maintenance 1.9 2.0 0.6 2.8 2.7 0.8 3.3 2.2 4.1

Production, transportation, and material moving ... 4.2 4.0 0.8 4.4 4.3 0.8 3.3 2.7 5.6

Full time ................................................................. 0.3 0.5 0.4 0.8 0.9 1.0 1.7 1.2 2.6

Part time ................................................................ 1.8 1.7 1.3 1.8 1.7 1.5 1.0 0.6 4.3

Union ..................................................................... 0.3 0.5 0.4 0.4 0.7 0.8 1.8 1.5 3.9

Nonunion ............................................................... 1.0 1.1 0.7 1.5 1.3 1.3 2.0 1.3 3.0

Wage percentiles:3

Lowest 10 percent ............................................. 2.5 2.7 1.6 3.3 3.6 1.7 2.4 1.8 4.6

Lowest 25 percent ............................................. 1.5 1.6 0.8 1.9 2.0 0.8 2.1 1.4 2.9

Second 25 percent ............................................ 0.6 0.9 0.6 1.0 1.4 1.6 2.2 1.9 3.6

Third 25 percent ................................................ 1.0 1.1 0.5 1.4 1.4 1.2 2.0 1.2 2.9

Highest 25 percent ............................................ 0.3 0.5 0.4 0.8 1.0 0.9 1.6 1.3 2.9

Highest 10 percent ............................................ 0.4 0.6 0.5 1.5 1.9 1.6 2.4 1.9 3.8

Establishment characteristics

Service-providing industries .................................. 0.6 0.7 0.4 0.9 0.8 1.0 1.5 1.1 2.6

Education and health services ........................... 0.5 0.7 0.5 0.9 1.2 1.6 1.8 1.4 3.3

Educational services ...................................... 0.6 0.7 0.5 0.7 1.2 1.4 1.8 1.3 3.5

Elementary and secondary schools ........... 0.5 0.5 0.3 0.5 0.6 0.3 1.5 0.9 4.3

Junior colleges, colleges, and universities 1.9 2.4 1.7 2.7 3.4 5.7 4.3 3.3 4.4

Health care and social assistance ................. 1.2 1.9 1.8 3.8 3.2 4.1 3.5 3.4 4.3

Hospitals .................................................... 1.6 2.5 2.3 4.9 4.1 6.8 4.4 4.0 4.3

Public administration ......................................... 1.2 1.3 0.6 1.5 1.6 0.7 2.3 1.7 3.7

1 to 99 workers ...................................................... 2.1 2.3 1.0 2.9 3.0 1.1 2.7 2.4 3.9

1 to 49 workers .................................................. 3.5 3.7 1.5 4.2 4.3 1.9 3.1 2.8 5.8

50 to 99 workers ................................................ 2.2 2.3 0.9 3.3 3.3 0.9 4.1 3.3 5.7

100 workers or more .............................................. 0.5 0.6 0.4 0.9 0.9 1.1 1.6 1.2 2.8

100 to 499 workers ............................................ 1.2 1.2 0.5 1.6 1.6 0.5 2.4 1.8 4.0

500 workers or more .......................................... 0.5 0.7 0.5 0.9 1.2 1.4 1.8 1.3 3.0

See footnotes at end of table.
Table 2. Standard errors for retirement benefits: Access, participation, and take-up rates,1 State and local government

workers, National Compensation Survey, March 2009—Continued

Characteristics

All retirement benefits2 Defined benefit Defined contribution

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

State government .................................................. 1.0 1.6 1.1 1.6 2.6 3.2 3.1 2.8 4.8

Local government .................................................. 0.6 0.7 0.4 0.9 0.9 0.4 1.3 0.9 2.4

Geographic areas

New England ......................................................... 1.9 2.1 1.6 1.8 2.1 1.7 1.5 1.2 10.4

Middle Atlantic ....................................................... 0.7 1.7 1.5 0.7 2.2 2.7 3.1 1.9 1.9

East North Central ................................................. 1.8 1.8 0.5 2.2 2.1 0.6 3.7 3.6 7.9

West North Central ................................................ 2.0 2.7 1.3 6.4 4.9 9.0 7.5 6.8 6.9

South Atlantic ........................................................ 1.2 1.3 1.0 1.2 0.9 1.0 4.0 1.4 3.8

East South Central ................................................ 3.4 4.2 2.2 4.9 4.5 2.1 5.6 3.0 11.7

West South Central ............................................... 1.9 1.9 0.4 1.6 1.6 0.2 2.1 1.9 4.2

Mountain ................................................................ 2.0 1.7 1.2 2.9 3.1 0.8 3.9 3.7 6.9

Pacific .................................................................... 1.1 1.4 0.9 1.8 2.0 1.1 3.5 3.4 2.4

1 The take-up rate is an estimate of the percentage of workers with access to a plan

who participate in the plan, rounded for presentation. See Technical Note for more details. 2 Includes defined benefit pension plans and defined contribution retirement plans. The

total is less than the sum of the individual items because some employees had access to

and participated in both types of plans. 3 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 3. Defined benefit retirement plans: Employee contribution requirement and method

of contribution, State and local government workers, National Compensation Survey,

March 2009

(All workers participating in defined benefit plans = 100 percent)

Characteristics

Employee

contribution

required

Fixed percent of earnings1

Employee

contibution

Total not required

Mean fixed

percent of

earnings

Median fixed

percent of

earnings

All workers ............................................................. 78 72 6.4 6.4 22

Worker characteristics

Management, professional, and related ................ 79 72 6.5 6.4 21

Professional and related .................................... 80 73 6.5 6.4 20

Teachers ........................................................ 81 75 6.8 6.4 19

Primary, secondary, and special education

school teachers ........................................ 80 75 6.8 6.4 20

Registered nurses ......................................... 73 68 6.3 6.0 27

Service ................................................................... 78 72 6.7 6.5 22

Protective service .............................................. 75 70 7.1 7.0 25

Sales and office ..................................................... 76 71 6.0 6.0 24

Office and administrative support ...................... 76 70 6.0 6.0 24

Natural resources, construction, and maintenance 75 72 5.8 6.0 25

Production, transportation, and material moving ... 80 73 6.2 6.0 20

Full time ................................................................. 77 72 6.4 6.4 23

Part time ................................................................ 87 76 6.8 7.0 13

Union ..................................................................... 78 69 6.4 6.5 22

Nonunion ............................................................... 78 75 6.4 6.4 22

Wage percentiles:2

Lowest 10 percent ............................................. 80 77 6.4 6.4 20

Lowest 25 percent ............................................. 78 74 6.3 6.4 22

Second 25 percent ............................................ 77 71 6.2 6.0 23

Third 25 percent ................................................ 74 69 6.3 6.3 26

Highest 25 percent ............................................ 82 74 6.6 6.4 18

Highest 10 percent ............................................ 85 75 6.9 7.3 15

Establishment characteristics

Service-providing industries .................................. 78 72 6.4 6.4 22

Education and health services ........................... 81 74 6.5 6.4 19

Educational services ...................................... 82 75 6.6 6.4 18

Elementary and secondary schools ........... 81 76 6.6 6.4 19

Junior colleges, colleges, and universities 84 71 6.4 6.4 16

Health care and social assistance ................. 72 65 6.1 5.5 28

Hospitals .................................................... 64 60 5.7 5.5 36

Public administration ......................................... 73 67 6.2 6.0 27

1 to 99 workers ...................................................... 79 73 6.0 6.0 21

1 to 49 workers .................................................. 85 81 5.9 6.0 15

50 to 99 workers ................................................ 73 65 6.1 6.0 27

100 workers or more .............................................. 78 72 6.4 6.4 22

100 to 499 workers ............................................ 79 73 6.4 6.4 21

500 workers or more .......................................... 77 71 6.4 6.4 23

See footnotes at end of table.
Table 3. Defined benefit retirement plans: Employee contribution requirement and method

of contribution, State and local government workers, National Compensation Survey,

March 2009—Continued

(All workers participating in defined benefit plans = 100 percent)

Characteristics

Employee

contribution

required

Fixed percent of earnings1

Employee

contibution

Total not required

Mean fixed

percent of

earnings

Median fixed

percent of

earnings

State government .................................................. 78 66 5.9 6.0 22

Local government .................................................. 78 74 6.5 6.4 22

Geographic areas

New England ......................................................... 99 64 6.2 5.5 1

Middle Atlantic ....................................................... 93 92 5.2 5.5 7

East North Central ................................................. 67 60 7.9 9.4 33

West North Central ................................................ 95 95 5.7 4.3 5

South Atlantic ........................................................ 55 54 5.6 6.0 45

East South Central ................................................ 91 91 6.3 7.3 9

West South Central ............................................... – – – – –

Mountain ................................................................ – – – – –

Pacific .................................................................... 77 59 6.7 7.0 23

1 The employee contributes a fixed percentage of his or her

earnings to the retirement plan. 2 The percentile groupings are based on the average wage

for each occupation surveyed, which may include workers both

above and below the threshold. The percentile values are based

on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical

Note for more details.

NOTE: Because of rounding, sums of individual items may not

equal totals. For definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 3. Standard errors for defined benefit retirement plans: Employee contribution

requirement and method of contribution, State and local government workers, National

Compensation Survey, March 2009

Characteristics

Employee

contribution

required

Fixed percent of earnings1

Employee

contibution

Total not required

Mean fixed

percent of

earnings

Median fixed

percent of

earnings

All workers ............................................................. 2.0 2.0 0.1 0.0 2.0

Worker characteristics

Management, professional, and related ................ 2.1 2.1 0.1 0.0 2.1

Professional and related .................................... 2.0 2.0 0.1 0.0 2.0

Teachers ........................................................ 2.1 2.2 0.1 0.1 2.1

Primary, secondary, and special education

school teachers ........................................ 2.2 2.2 0.1 0.1 2.2

Registered nurses ......................................... 4.9 4.9 0.4 0.7 4.9

Service ................................................................... 2.1 2.2 0.1 0.2 2.1

Protective service .............................................. 2.9 3.1 0.1 0.4 2.9

Sales and office ..................................................... 2.6 2.7 0.1 0.2 2.6

Office and administrative support ...................... 2.6 2.7 0.1 0.4 2.6

Natural resources, construction, and maintenance 2.9 3.0 0.2 0.5 2.9

Production, transportation, and material moving ... 3.0 3.4 0.2 0.3 3.0

Full time ................................................................. 2.0 2.1 0.1 0.0 2.0

Part time ................................................................ 2.2 2.6 0.2 0.1 2.2

Union ..................................................................... 2.3 2.3 0.1 0.4 2.3

Nonunion ............................................................... 2.4 2.5 0.1 0.0 2.4

Wage percentiles:2

Lowest 10 percent ............................................. 3.4 3.7 0.2 0.8 3.4

Lowest 25 percent ............................................. 2.4 2.5 0.1 0.1 2.4

Second 25 percent ............................................ 2.6 2.6 0.1 0.2 2.6

Third 25 percent ................................................ 2.6 2.6 0.1 0.3 2.6

Highest 25 percent ............................................ 1.6 1.7 0.1 0.1 1.6

Highest 10 percent ............................................ 1.7 1.9 0.1 0.3 1.7

Establishment characteristics

Service-providing industries .................................. 2.0 2.0 0.1 0.0 2.0

Education and health services ........................... 1.9 1.9 0.1 0.0 1.9

Educational services ...................................... 1.9 2.0 0.1 0.0 1.9

Elementary and secondary schools ........... 2.0 2.1 0.1 0.0 2.0

Junior colleges, colleges, and universities 3.3 3.5 0.2 0.4 3.3

Health care and social assistance ................. 4.4 4.4 0.3 0.8 4.4

Hospitals .................................................... 5.4 5.5 0.3 0.7 5.4

Public administration ......................................... 3.0 3.0 0.1 0.0 3.0

1 to 99 workers ...................................................... 3.2 3.2 0.3 0.1 3.2

1 to 49 workers .................................................. 2.9 3.0 0.3 0.3 2.9

50 to 99 workers ................................................ 4.9 5.0 0.4 0.4 4.9

100 workers or more .............................................. 2.0 2.0 0.1 0.0 2.0

100 to 499 workers ............................................ 2.9 3.0 0.1 0.1 2.9

500 workers or more .......................................... 2.2 2.2 0.1 0.0 2.2

See footnotes at end of table.
Table 3. Standard errors for defined benefit retirement plans: Employee contribution

requirement and method of contribution, State and local government workers, National

Compensation Survey, March 2009—Continued

Characteristics

Employee

contribution

required

Fixed percent of earnings1

Employee

contibution

Total not required

Mean fixed

percent of

earnings

Median fixed

percent of

earnings

State government .................................................. 3.6 3.4 0.2 0.0 3.6

Local government .................................................. 1.7 1.8 0.1 0.0 1.7

Geographic areas

New England ......................................................... 0.2 4.8 0.2 0.8 0.2

Middle Atlantic ....................................................... 1.4 1.3 0.2 0.0 1.4

East North Central ................................................. 5.5 5.4 0.2 0.1 5.5

West North Central ................................................ 2.2 2.2 0.4 0.5 2.2

South Atlantic ........................................................ 6.0 6.1 0.1 0.0 6.0

East South Central ................................................ 2.4 2.4 0.4 1.8 2.4

West South Central ............................................... – – – – –

Mountain ................................................................ – – – – –

Pacific .................................................................... 5.5 5.3 0.2 0.0 5.5

1 The employee contributes a fixed percentage of his or her

earnings to the retirement plan. 2 The percentile groupings are based on the average wage

for each occupation surveyed, which may include workers both

above and below the threshold. The percentile values are based

on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical

Note for more details.

NOTE: Dash indicates no workers in this category or data did not

meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 4. Defined benefit retirement plans: Open and frozen plans,

State and local government workers, National Compensation Survey,

March 2009

(All workers participating in defined benefit plans = 100 percent)

Characteristics Open plans1 Frozen plans2

All workers ............................................................. 90 10

Worker characteristics

Management, professional, and related ................ 90 10

Professional and related .................................... 90 10

Teachers ........................................................ 90 10

Primary, secondary, and special education

school teachers ........................................ 92 8

Registered nurses ......................................... 89 11

Service ................................................................... 90 10

Protective service .............................................. 91 9

Sales and office ..................................................... 90 10

Office and administrative support ...................... 91 9

Natural resources, construction, and maintenance 94 6

Production, transportation, and material moving ... 90 10

Full time ................................................................. 90 10

Part time ................................................................ 90 10

Union ..................................................................... 85 15

Nonunion ............................................................... 95 5

Wage percentiles:3

Lowest 10 percent ............................................. 96 4

Lowest 25 percent ............................................. 93 7

Second 25 percent ............................................ 90 10

Third 25 percent ................................................ 92 8

Highest 25 percent ............................................ 87 13

Highest 10 percent ............................................ 84 16

Establishment characteristics

Service-providing industries .................................. 90 10

Education and health services ........................... 90 10

Educational services ...................................... 91 9

Elementary and secondary schools ........... 90 10

Junior colleges, colleges, and universities 93 7

Health care and social assistance ................. 87 13

Hospitals .................................................... 86 14

Public administration ......................................... 89 11

1 to 99 workers ...................................................... 93 7

1 to 49 workers .................................................. 95 5

50 to 99 workers ................................................ 90 10

100 workers or more .............................................. 90 10

100 to 499 workers ............................................ 90 10

500 workers or more .......................................... 90 10

See footnotes at end of table.
Table 4. Defined benefit retirement plans: Open and frozen plans,

State and local government workers, National Compensation Survey,

March 2009—Continued

(All workers participating in defined benefit plans = 100 percent)

Characteristics Open plans1 Frozen plans2

State government .................................................. 90 10

Local government .................................................. 90 10

Geographic areas

New England ......................................................... 74 26

Middle Atlantic ....................................................... 76 24

East North Central ................................................. 91 9

South Atlantic ........................................................ 98 2

East South Central ................................................ 100 –

West South Central ............................................... 94 6

Pacific .................................................................... 87 13

1 Plans open to new participants. 2 Plans closed to new workers or plans that

cease accruals for some or all plan participants. 3 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and below

the threshold. The percentile values are based on

the estimates published in the "National

Compensation Survey: Occupational Earnings in

the United States, 2008." See Technical Note for

more details.

NOTE: Because of rounding, sums of individual

items may not equal totals. Dash indicates no

workers in this category or data did not meet

publication criteria. For definitions of major plans,

key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 4. Standard errors for defined benefit retirement plans: Open

and frozen plans, State and local government workers, National

Compensation Survey, March 2009

Characteristics Open plans1 Frozen plans2

All workers ............................................................. 0.9 0.9

Worker characteristics

Management, professional, and related ................ 1.0 1.0

Professional and related .................................... 0.9 0.9

Teachers ........................................................ 0.9 0.9

Primary, secondary, and special education

school teachers ........................................ 0.9 0.9

Registered nurses ......................................... 2.8 2.8

Service ................................................................... 1.0 1.0

Protective service .............................................. 1.6 1.6

Sales and office ..................................................... 1.4 1.4

Office and administrative support ...................... 1.3 1.3

Natural resources, construction, and maintenance 0.9 0.9

Production, transportation, and material moving ... 2.3 2.3

Full time ................................................................. 0.9 0.9

Part time ................................................................ 1.5 1.5

Union ..................................................................... 1.3 1.3

Nonunion ............................................................... 0.8 0.8

Wage percentiles:3

Lowest 10 percent ............................................. 1.1 1.1

Lowest 25 percent ............................................. 1.0 1.0

Second 25 percent ............................................ 1.3 1.3

Third 25 percent ................................................ 1.0 1.0

Highest 25 percent ............................................ 1.0 1.0

Highest 10 percent ............................................ 1.6 1.6

Establishment characteristics

Service-providing industries .................................. 0.9 0.9

Education and health services ........................... 0.8 0.8

Educational services ...................................... 0.8 0.8

Elementary and secondary schools ........... 0.9 0.9

Junior colleges, colleges, and universities 1.7 1.7

Health care and social assistance ................. 2.0 2.0

Hospitals .................................................... 2.5 2.5

Public administration ......................................... 1.5 1.5

1 to 99 workers ...................................................... 1.2 1.2

1 to 49 workers .................................................. 1.4 1.4

50 to 99 workers ................................................ 1.9 1.9

100 workers or more .............................................. 0.9 0.9

100 to 499 workers ............................................ 1.7 1.7

500 workers or more .......................................... 0.8 0.8

See footnotes at end of table.
Table 4. Standard errors for defined benefit retirement plans: Open

and frozen plans, State and local government workers, National

Compensation Survey, March 2009—Continued

Characteristics Open plans1 Frozen plans2

State government .................................................. 2.0 2.0

Local government .................................................. 0.7 0.7

Geographic areas

New England ......................................................... 3.1 3.1

Middle Atlantic ....................................................... 1.0 1.0

East North Central ................................................. 2.0 2.0

South Atlantic ........................................................ 0.5 0.5

East South Central ................................................ 0.3 –

West South Central ............................................... 2.4 2.4

Pacific .................................................................... 3.8 3.8

1 Plans open to new participants. 2 Plans closed to new workers or plans that

cease accruals for some or all plan participants. 3 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and below

the threshold. The percentile values are based on

the estimates published in the "National

Compensation Survey: Occupational Earnings in

the United States, 2008." See Technical Note for

more details.

NOTE: Dash indicates no workers in this category

or data did not meet publication criteria. For

definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee

Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 5. Defined benefit frozen retirement plans:1 Benefits

accrual, State and local government workers, National

Compensation Survey, March 2009

(All workers participating in frozen defined benefit plans = 100 percent)

Characteristics

Retirement benefit accrual2

All existing

participants

continue to

accrue

benefits

No existing

participants

continue to

accrue

benefits

All workers ............................................................. 99 1

Worker characteristics

Management, professional, and related ................ 99 1

Professional and related .................................... 99 1

Teachers ........................................................ 100 –

Primary, secondary, and special education

school teachers ........................................ 100 –

Registered nurses ......................................... 100 –

Protective service .............................................. 100 –

Sales and office ..................................................... 100 –

Office and administrative support ...................... 100 –

Natural resources, construction, and maintenance 100 –

Production, transportation, and material moving ... 100 –

Full time ................................................................. 99 1

Part time ................................................................ 100 –

Union ..................................................................... 100 –

Nonunion ............................................................... 97 3

Wage percentiles:3

Highest 25 percent ............................................ 100 –

Highest 10 percent ............................................ 100 –

Establishment characteristics

Service-providing industries .................................. 99 1

Education and health services ........................... 99 1

Educational services ...................................... 100 –

Elementary and secondary schools ........... 100 –

Junior colleges, colleges, and universities 100 –

Public administration ......................................... 100 –

1 to 99 workers ...................................................... 100 –

1 to 49 workers .................................................. 100 –

50 to 99 workers ................................................ 100 –

100 workers or more .............................................. 99 1

500 workers or more .......................................... 100 –

See footnotes at end of table.
Table 5. Defined benefit frozen retirement plans:1 Benefits

accrual, State and local government workers, National

Compensation Survey, March 2009—Continued

(All workers participating in frozen defined benefit plans = 100 percent)

Characteristics

Retirement benefit accrual2

All existing

participants

continue to

accrue

benefits

No existing

participants

continue to

accrue

benefits

State government .................................................. 100 –

Geographic areas

New England ......................................................... 100 –

Middle Atlantic ....................................................... 100 –

East North Central ................................................. 100 –

West North Central ................................................ 100 –

Mountain ................................................................ 100 –

Pacific .................................................................... 100 –

1 Plans closed to new workers or plans

that cease accruals for some or all plan

participants. 2 Benefit accruals are for existing

participants since the plan was closed to

new workers or stopped accruing benefits. 3 The percentile groupings are based

on the average wage for each occupation

surveyed, which may include workers both

above and below the threshold. The

percentile values are based on the

estimates published in the "National

Compensation Survey: Occupational

Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: Because of rounding, sums of

individual items may not equal totals. Dash

indicates no workers in this category or

data did not meet publication criteria. For

definitions of major plans, key provisions,

and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 5. Standard errors for defined benefit frozen

retirement plans:1 Benefits accrual, State and local

government workers, National Compensation Survey, March

2009

Characteristics

Retirement benefit accrual2

All existing

participants

continue to

accrue

benefits

No existing

participants

continue to

accrue

benefits

All workers ............................................................. 0.3 0.3

Worker characteristics

Management, professional, and related ................ 0.4 0.4

Professional and related .................................... 0.5 0.5

Teachers ........................................................ 0.0 –

Primary, secondary, and special education

school teachers ........................................ 0.0 –

Registered nurses ......................................... 0.0 –

Protective service .............................................. 0.0 –

Sales and office ..................................................... 0.0 –

Office and administrative support ...................... 0.0 –

Natural resources, construction, and maintenance 0.0 –

Production, transportation, and material moving ... 0.0 –

Full time ................................................................. 0.3 0.3

Part time ................................................................ 0.0 –

Union ..................................................................... 0.0 –

Nonunion ............................................................... 1.1 1.1

Wage percentiles:3

Highest 25 percent ............................................ 0.1 –

Highest 10 percent ............................................ 0.0 –

Establishment characteristics

Service-providing industries .................................. 0.3 0.3

Education and health services ........................... 0.4 0.4

Educational services ...................................... 0.0 –

Elementary and secondary schools ........... 0.0 –

Junior colleges, colleges, and universities 0.0 –

Public administration ......................................... 0.0 –

1 to 99 workers ...................................................... 0.0 –

1 to 49 workers .................................................. 0.0 –

50 to 99 workers ................................................ 0.0 –

100 workers or more .............................................. 0.3 0.3

500 workers or more .......................................... 0.4 –

See footnotes at end of table.
Table 5. Standard errors for defined benefit frozen

retirement plans:1 Benefits accrual, State and local

government workers, National Compensation Survey, March

2009—Continued

Characteristics

Retirement benefit accrual2

All existing

participants

continue to

accrue

benefits

No existing

participants

continue to

accrue

benefits

State government .................................................. 0.4 –

Geographic areas

New England ......................................................... 0.0 –

Middle Atlantic ....................................................... 0.0 –

East North Central ................................................. 0.0 –

West North Central ................................................ 0.0 –

Mountain ................................................................ 0.0 –

Pacific .................................................................... 0.0 –

1 Plans closed to new workers or plans

that cease accruals for some or all plan

participants. 2 Benefit accruals are for existing

participants since the plan was closed to

new workers or stopped accruing benefits. 3 The percentile groupings are based

on the average wage for each occupation

surveyed, which may include workers both

above and below the threshold. The

percentile values are based on the

estimates published in the "National

Compensation Survey: Occupational

Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: Dash indicates no workers in this

category or data did not meet publication

criteria. For definitions of major plans, key

provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 6. Defined benefit frozen retirement plans:1 Selected attributes,

State and local government workers, National Compensation Survey,

March 2009

(All workers participating in frozen defined benefit plans = 100 percent)

Characteristics

Time since plan closed to new workers or

stopped accruing benefits

1 year 2 to 5 years Greater than

5 years

All workers ............................................................. 1 5 94

Worker characteristics

Management, professional, and related ................ 1 5 94

Professional and related .................................... 1 4 95

Teachers ........................................................ – 2 98

Primary, secondary, and special education

school teachers ........................................ – 3 97

Registered nurses ......................................... – – 73

Service ................................................................... – – 94

Protective service .............................................. – – 95

Sales and office ..................................................... – – 92

Office and administrative support ...................... – – 92

Natural resources, construction, and maintenance – – 100

Production, transportation, and material moving ... – – 99

Full time ................................................................. 1 5 94

Part time ................................................................ – – 99

Union ..................................................................... – 3 97

Nonunion ............................................................... – – 86

Wage percentiles:2

Lowest 10 percent ............................................. – – 77

Lowest 25 percent ............................................. – – 87

Second 25 percent ............................................ – – 94

Third 25 percent ................................................ – – 94

Highest 25 percent ............................................ – 3 97

Highest 10 percent ............................................ – – 98

Establishment characteristics

Service-providing industries .................................. 1 5 94

Education and health services ........................... 1 4 95

Educational services ...................................... – 3 97

Elementary and secondary schools ........... – 2 98

Junior colleges, colleges, and universities – – 89

Health care and social assistance ................. – – 84

Hospitals .................................................... – – 83

Public administration ......................................... – – 92

1 to 99 workers ...................................................... – – 83

1 to 49 workers .................................................. – – 75

50 to 99 workers ................................................ – – 88

100 workers or more .............................................. 1 4 95

100 to 499 workers ............................................ – – 92

500 workers or more .......................................... – – 96

See footnotes at end of table.
Table 6. Defined benefit frozen retirement plans:1 Selected attributes,

State and local government workers, National Compensation Survey,

March 2009—Continued

(All workers participating in frozen defined benefit plans = 100 percent)

Characteristics

Time since plan closed to new workers or

stopped accruing benefits

1 year 2 to 5 years Greater than

5 years

State government .................................................. – – 85

Local government .................................................. – – 97

Geographic areas

New England ......................................................... – – 97

Middle Atlantic ....................................................... – – 99

East North Central ................................................. – – 99

West North Central ................................................ – – 100

South Atlantic ........................................................ – – 87

West South Central ............................................... – – 68

Mountain ................................................................ – – 100

Pacific .................................................................... – – 91

1 Plans closed to new workers or plans that

cease accruals for some or all plan participants. 2 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual

items may not equal totals. Dash indicates no

workers in this category or data did not meet

publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 6. Standard errors for defined benefit frozen retirement plans:1

Selected attributes, State and local government workers, National

Compensation Survey, March 2009

Characteristics

Time since plan closed to new workers or

stopped accruing benefits

1 year 2 to 5 years Greater than

5 years

All workers ............................................................. 0.3 1.6 1.7

Worker characteristics

Management, professional, and related ................ 0.4 1.6 1.7

Professional and related .................................... 0.5 1.0 1.1

Teachers ........................................................ – 0.9 0.9

Primary, secondary, and special education

school teachers ........................................ – 1.3 1.3

Registered nurses ......................................... – – 14.0

Service ................................................................... – – 2.1

Protective service .............................................. – – 3.7

Sales and office ..................................................... – – 3.0

Office and administrative support ...................... – – 3.4

Natural resources, construction, and maintenance – – 0.0

Production, transportation, and material moving ... – – 1.0

Full time ................................................................. 0.3 1.7 1.8

Part time ................................................................ – – 0.2

Union ..................................................................... – 0.7 0.7

Nonunion ............................................................... – – 6.1

Wage percentiles:2

Lowest 10 percent ............................................. – – 8.9

Lowest 25 percent ............................................. – – 5.5

Second 25 percent ............................................ – – 2.4

Third 25 percent ................................................ – – 2.5

Highest 25 percent ............................................ – 1.0 1.0

Highest 10 percent ............................................ – – 1.0

Establishment characteristics

Service-providing industries .................................. 0.3 1.6 1.7

Education and health services ........................... 0.4 1.0 1.1

Educational services ...................................... – 0.9 0.9

Elementary and secondary schools ........... – 0.6 0.6

Junior colleges, colleges, and universities – – 4.2

Health care and social assistance ................. – – 4.7

Hospitals .................................................... – – 6.2

Public administration ......................................... – – 4.3

1 to 99 workers ...................................................... – – 6.4

1 to 49 workers .................................................. – – 15.8

50 to 99 workers ................................................ – – 2.5

100 workers or more .............................................. 0.3 1.3 1.4

100 to 499 workers ............................................ – – 4.1

500 workers or more .......................................... – – 0.9

See footnotes at end of table.
Table 6. Standard errors for defined benefit frozen retirement plans:1

Selected attributes, State and local government workers, National

Compensation Survey, March 2009—Continued

Characteristics

Time since plan closed to new workers or

stopped accruing benefits

1 year 2 to 5 years Greater than

5 years

State government .................................................. – – 6.0

Local government .................................................. – – 0.9

Geographic areas

New England ......................................................... – – 0.5

Middle Atlantic ....................................................... – – 0.6

East North Central ................................................. – – 1.1

West North Central ................................................ – – 0.1

South Atlantic ........................................................ – – 4.4

West South Central ............................................... – – 13.6

Mountain ................................................................ – – 0.0

Pacific .................................................................... – – 3.7

1 Plans closed to new workers or plans that

cease accruals for some or all plan participants. 2 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category

or data did not meet publication criteria. For

definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee

Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 7. Defined benefit frozen retirement plans:1 Plan alternatives, State and

local government workers, National Compensation Survey, March 2009

(All workers participating in frozen defined benefit plans = 100 percent)

Characteristics

Alternatives

to frozen

plans

available

Alternatives for employees in frozen

plans2

New defined

benefit plan

Enhanced

existing

defined

contribution

plan

New defined

contribution

plan

All workers ............................................................. 100 95 1 –

Worker characteristics

Management, professional, and related ................ 100 96 1 –

Professional and related .................................... 100 96 1 –

Teachers ........................................................ 100 99 – –

Primary, secondary, and special education

school teachers ........................................ 100 98 – 13

Registered nurses ......................................... 100 99 – –

Service ................................................................... 100 93 1 –

Protective service .............................................. 100 92 – –

Sales and office ..................................................... 100 91 – 31

Office and administrative support ...................... 100 90 – 33

Natural resources, construction, and maintenance 100 96 – –

Production, transportation, and material moving ... 100 99 – –

Full time ................................................................. 100 95 1 –

Part time ................................................................ 100 97 – –

Union ..................................................................... 100 95 – –

Nonunion ............................................................... 100 92 3 19

Wage percentiles:3

Lowest 10 percent ............................................. 100 83 – –

Lowest 25 percent ............................................. 100 93 2 –

Second 25 percent ............................................ 100 94 – –

Third 25 percent ................................................ 100 90 – –

Highest 25 percent ............................................ 100 98 – –

Highest 10 percent ............................................ 100 99 – –

Establishment characteristics

Service-providing industries .................................. 100 95 1 –

Education and health services ........................... 100 96 1 14

Educational services ...................................... 100 98 – 13

Elementary and secondary schools ........... 100 98 – 12

Junior colleges, colleges, and universities 100 97 – –

Health care and social assistance ................. 100 89 – –

Hospitals .................................................... 100 94 – 7

Public administration ......................................... 100 93 – –

1 to 99 workers ...................................................... 100 89 – 35

1 to 49 workers .................................................. 100 75 – –

50 to 99 workers ................................................ 100 97 – –

100 workers or more .............................................. 100 95 1 –

100 to 499 workers ............................................ 100 92 – –

500 workers or more .......................................... 100 96 – 18

See footnotes at end of table.
Table 7. Defined benefit frozen retirement plans:1 Plan alternatives, State and

local government workers, National Compensation Survey, March

2009—Continued

(All workers participating in frozen defined benefit plans = 100 percent)

Characteristics

Alternatives

to frozen

plans

available

Alternatives for employees in frozen

plans2

New defined

benefit plan

Enhanced

existing

defined

contribution

plan

New defined

contribution

plan

State government .................................................. 100 91 – –

Local government .................................................. 100 96 1 14

Geographic areas

New England ......................................................... 100 98 – –

Middle Atlantic ....................................................... 100 99 – 1

East North Central ................................................. 100 87 – –

West North Central ................................................ 100 90 – –

South Atlantic ........................................................ 100 71 – 28

West South Central ............................................... 100 91 – –

Mountain ................................................................ 100 90 – –

Pacific .................................................................... 100 99 – 54

1 Plans closed to new workers or plans that cease

accruals for some or all plan participants. 2 The sum of the individual components may be

greater than the total because some employers offer more

than one alternative. 3 The percentile groupings are based on the average

wage for each occupation surveyed, which may include

workers both above and below the threshold. The

percentile values are based on the estimates published in

the "National Compensation Survey: Occupational

Earnings in the United States, 2008." See Technical Note

for more details.

NOTE: Dash indicates no workers in this category or data

did not meet publication criteria. For definitions of major

plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 7. Standard errors for defined benefit frozen retirement plans:1 Plan

alternatives, State and local government workers, National Compensation

Survey, March 2009

Characteristics

Alternatives

to frozen

plans

available

Alternatives for employees in frozen

plans2

New defined

benefit plan

Enhanced

existing

defined

contribution

plan

New defined

contribution

plan

All workers ............................................................. 0.0 1.2 0.3 –

Worker characteristics

Management, professional, and related ................ 0.0 1.2 0.4 –

Professional and related .................................... 0.0 1.3 0.5 –

Teachers ........................................................ 0.0 0.9 – –

Primary, secondary, and special education

school teachers ........................................ 0.0 1.3 – 3.4

Registered nurses ......................................... 0.0 0.7 – –

Service ................................................................... 0.0 3.2 0.4 –

Protective service .............................................. 0.0 5.0 – –

Sales and office ..................................................... 0.0 3.3 – 9.4

Office and administrative support ...................... 0.0 3.4 – 9.6

Natural resources, construction, and maintenance 0.0 3.1 – –

Production, transportation, and material moving ... 0.0 1.0 – –

Full time ................................................................. 0.0 1.3 0.3 –

Part time ................................................................ 0.0 1.5 – –

Union ..................................................................... 0.0 1.2 – –

Nonunion ............................................................... 0.0 2.5 1.2 5.1

Wage percentiles:3

Lowest 10 percent ............................................. 0.0 8.7 – –

Lowest 25 percent ............................................. 0.0 2.6 0.5 –

Second 25 percent ............................................ 0.0 1.7 – –

Third 25 percent ................................................ 0.0 2.4 – –

Highest 25 percent ............................................ 0.0 1.3 – –

Highest 10 percent ............................................ 0.0 1.2 – –

Establishment characteristics

Service-providing industries .................................. 0.0 1.2 0.3 –

Education and health services ........................... 0.0 1.1 0.5 4.0

Educational services ...................................... 0.0 1.2 – 3.5

Elementary and secondary schools ........... 0.0 1.3 – 3.0

Junior colleges, colleges, and universities 0.0 2.5 – –

Health care and social assistance ................. 0.0 3.2 – –

Hospitals .................................................... 0.0 4.5 – 1.1

Public administration ......................................... 0.0 2.3 – –

1 to 99 workers ...................................................... 0.0 6.5 – 10.1

1 to 49 workers .................................................. 0.0 15.8 – –

50 to 99 workers ................................................ 0.0 1.2 – –

100 workers or more .............................................. 0.0 1.1 0.3 –

100 to 499 workers ............................................ 0.0 3.0 – –

500 workers or more .......................................... 0.0 0.9 – 5.2

See footnotes at end of table.
Table 7. Standard errors for defined benefit frozen retirement plans:1 Plan

alternatives, State and local government workers, National Compensation

Survey, March 2009—Continued

Characteristics

Alternatives

to frozen

plans

available

Alternatives for employees in frozen

plans2

New defined

benefit plan

Enhanced

existing

defined

contribution

plan

New defined

contribution

plan

State government .................................................. 0.0 3.3 – –

Local government .................................................. 0.0 1.0 0.3 3.5

Geographic areas

New England ......................................................... 0.0 2.3 – –

Middle Atlantic ....................................................... 0.0 0.7 – 0.7

East North Central ................................................. 0.0 5.1 – –

West North Central ................................................ 0.0 11.1 – –

South Atlantic ........................................................ 0.0 7.7 – 6.8

West South Central ............................................... 0.0 6.3 – –

Mountain ................................................................ 0.0 2.6 – –

Pacific .................................................................... 0.0 0.6 – 14.7

1 Plans closed to new workers or plans that cease

accruals for some or all plan participants. 2 The sum of the individual components may be

greater than the total because some employers offer more

than one alternative. 3 The percentile groupings are based on the average

wage for each occupation surveyed, which may include

workers both above and below the threshold. The

percentile values are based on the estimates published in

the "National Compensation Survey: Occupational

Earnings in the United States, 2008." See Technical Note

for more details.

NOTE: Dash indicates no workers in this category or data

did not meet publication criteria. For definitions of major

plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 8. Defined contribution retirement plans:1 Selected attributes, State and

local government workers, National Compensation Survey, March 2009

(All workers participating in defined contribution plans = 100 percent)

Characteristics

Employee contribution Employee contribution

option

Required Not required Pretax Not pretax

All workers ............................................................. 58 42 77 23

Worker characteristics

Management, professional, and related ................ 56 44 74 26

Professional and related .................................... 55 45 72 28

Teachers ........................................................ 52 48 71 29

Primary, secondary, and special education

school teachers ........................................ 41 59 70 30

Registered nurses ......................................... 63 37 77 23

Service ................................................................... 61 39 76 24

Protective service .............................................. 61 39 74 26

Sales and office ..................................................... 59 41 84 16

Office and administrative support ...................... 58 42 84 16

Natural resources, construction, and maintenance 67 33 80 20

Production, transportation, and material moving ... 54 46 – –

Full time ................................................................. 58 42 77 23

Part time ................................................................ 64 36 76 24

Union ..................................................................... 45 55 66 34

Nonunion ............................................................... 65 35 82 18

Wage percentiles:2

Lowest 10 percent ............................................. 62 38 82 18

Lowest 25 percent ............................................. 64 36 84 16

Second 25 percent ............................................ 58 42 82 18

Third 25 percent ................................................ 56 44 72 28

Highest 25 percent ............................................ 55 45 71 29

Highest 10 percent ............................................ 59 41 68 32

Establishment characteristics

Service-providing industries .................................. 58 42 77 23

Education and health services ........................... 56 44 72 28

Educational services ...................................... 53 47 68 32

Elementary and secondary schools ........... 38 62 61 39

Junior colleges, colleges, and universities 65 35 74 26

Health care and social assistance ................. 61 39 82 18

Hospitals .................................................... 64 36 79 21

Public administration ......................................... 58 42 80 20

1 to 99 workers ...................................................... 65 35 – –

1 to 49 workers .................................................. 72 28 – –

50 to 99 workers ................................................ 55 45 – –

100 workers or more .............................................. 57 43 74 26

100 to 499 workers ............................................ 62 38 90 10

500 workers or more .......................................... 55 45 70 30

See footnotes at end of table.
Table 8. Defined contribution retirement plans:1 Selected attributes, State and

local government workers, National Compensation Survey, March

2009—Continued

(All workers participating in defined contribution plans = 100 percent)

Characteristics

Employee contribution Employee contribution

option

Required Not required Pretax Not pretax

State government .................................................. 58 42 75 25

Local government .................................................. 57 43 78 22

Geographic areas

Middle Atlantic ....................................................... 59 41 65 35

East North Central ................................................. 46 54 80 20

South Atlantic ........................................................ 53 47 69 31

East South Central ................................................ 76 24 – –

West South Central ............................................... 84 16 89 11

Mountain ................................................................ 48 52 – –

Pacific .................................................................... 37 63 69 31

1 Plans closed to new workers or plans that cease

accruals for some or all plan participants. 2 The percentile groupings are based on the average

wage for each occupation surveyed, which may include

workers both above and below the threshold. The

percentile values are based on the estimates published in

the "National Compensation Survey: Occupational

Earnings in the United States, 2008." See Technical Note

for more details.

NOTE: Because of rounding, sums of individual items may

not equal totals. Dash indicates no workers in this

category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 8. Standard errors for defined contribution retirement plans: Selected

attributes, State and local government workers, National Compensation Survey,

March 2009

Characteristics

Employee contribution Employee contribution

option

Required Not required Pretax Not pretax

All workers ............................................................. 3.2 3.2 2.2 2.2

Worker characteristics

Management, professional, and related ................ 3.9 3.9 2.8 2.8

Professional and related .................................... 4.0 4.0 2.9 2.9

Teachers ........................................................ 5.2 5.2 3.5 3.5

Primary, secondary, and special education

school teachers ........................................ 7.2 7.2 6.0 6.0

Registered nurses ......................................... 6.3 6.3 5.4 5.4

Service ................................................................... 3.7 3.7 3.1 3.1

Protective service .............................................. 5.9 5.9 5.4 5.4

Sales and office ..................................................... 4.6 4.6 2.6 2.6

Office and administrative support ...................... 4.8 4.8 2.6 2.6

Natural resources, construction, and maintenance 5.4 5.4 5.7 5.7

Production, transportation, and material moving ... 7.5 7.5 – –

Full time ................................................................. 3.3 3.3 2.3 2.3

Part time ................................................................ 4.5 4.5 4.4 4.4

Union ..................................................................... 5.4 5.4 4.0 4.0

Nonunion ............................................................... 2.8 2.8 2.2 2.2

Wage percentiles:1

Lowest 10 percent ............................................. 5.0 5.0 4.3 4.3

Lowest 25 percent ............................................. 3.2 3.2 2.6 2.6

Second 25 percent ............................................ 5.2 5.2 3.0 3.0

Third 25 percent ................................................ 4.1 4.1 3.8 3.8

Highest 25 percent ............................................ 3.7 3.7 2.8 2.8

Highest 10 percent ............................................ 4.5 4.5 3.5 3.5

Establishment characteristics

Service-providing industries .................................. 3.2 3.2 2.3 2.3

Education and health services ........................... 4.2 4.2 2.9 2.9

Educational services ...................................... 5.1 5.1 3.6 3.6

Elementary and secondary schools ........... 5.8 5.8 5.1 5.1

Junior colleges, colleges, and universities 6.3 6.3 4.1 4.1

Health care and social assistance ................. 4.9 4.9 3.5 3.5

Hospitals .................................................... 5.7 5.7 4.3 4.3

Public administration ......................................... 4.8 4.8 3.6 3.6

1 to 99 workers ...................................................... 5.6 5.6 – –

1 to 49 workers .................................................. 6.9 6.9 – –

50 to 99 workers ................................................ 8.2 8.2 – –

100 workers or more .............................................. 3.6 3.6 2.5 2.5

100 to 499 workers ............................................ 5.9 5.9 1.8 1.8

500 workers or more .......................................... 3.7 3.7 2.9 2.9

See footnotes at end of table.
Table 8. Standard errors for defined contribution retirement plans: Selected

attributes, State and local government workers, National Compensation Survey,

March 2009—Continued

Characteristics

Employee contribution Employee contribution

option

Required Not required Pretax Not pretax

State government .................................................. 6.3 6.3 3.7 3.7

Local government .................................................. 2.7 2.7 2.5 2.5

Geographic areas

Middle Atlantic ....................................................... 4.7 4.7 6.7 6.7

East North Central ................................................. 7.6 7.6 2.9 2.9

South Atlantic ........................................................ 5.2 5.2 6.4 6.4

East South Central ................................................ 6.4 6.4 – –

West South Central ............................................... 2.8 2.8 2.8 2.8

Mountain ................................................................ 11.6 11.6 – –

Pacific .................................................................... 7.5 7.5 6.0 6.0

1 The percentile groupings are based on the average

wage for each occupation surveyed, which may include

workers both above and below the threshold. The

percentile values are based on the estimates published in

the "National Compensation Survey: Occupational

Earnings in the United States, 2008." See Technical Note

for more details.

NOTE: Dash indicates no workers in this category or data

did not meet publication criteria. For definitions of major

plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 9. Health care benefits: Access, participation, and take-up rates,1 State and local government workers, National

Compensation Survey, March 2009

(All workers = 100 percent)

Characteristics

Medical care Dental care Vision care

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

All workers ............................................................. 88 73 84 54 47 86 38 30 81

Worker characteristics

Management, professional, and related ................ 90 74 82 55 47 86 38 30 81

Professional and related .................................... 89 73 82 54 46 86 37 30 81

Teachers ........................................................ 89 73 82 53 46 87 34 28 83

Primary, secondary, and special education

school teachers ........................................ 95 77 82 58 50 87 36 30 82

Registered nurses ......................................... 92 73 79 61 50 83 42 31 74

Service ................................................................... 81 69 85 49 42 85 35 28 81

Protective service .............................................. 89 77 87 59 52 87 42 34 82

Sales and office ..................................................... 88 75 84 57 50 87 40 33 82

Office and administrative support ...................... 89 75 84 57 49 86 40 33 82

Natural resources, construction, and maintenance 95 83 88 62 55 89 41 33 79

Production, transportation, and material moving ... 83 70 84 58 49 85 35 29 82

Full time ................................................................. 99 83 84 61 53 86 42 34 81

Part time ................................................................ 27 19 71 17 14 79 13 11 78

Union ..................................................................... 95 80 84 70 61 87 51 43 85

Nonunion ............................................................... 81 68 83 42 35 85 27 20 74

Wage percentiles:2

Lowest 10 percent ............................................. 51 40 78 21 16 76 13 9 71

Lowest 25 percent ............................................. 68 56 81 34 28 83 22 17 74

Second 25 percent ............................................ 91 79 86 59 51 86 42 33 79

Third 25 percent ................................................ 95 79 84 58 51 88 39 33 83

Highest 25 percent ............................................ 97 80 83 68 58 86 47 39 84

Highest 10 percent ............................................ 97 80 83 70 60 86 50 44 88

Establishment characteristics

Service-providing industries .................................. 88 73 83 54 47 86 38 30 81

Education and health services ........................... 89 73 82 52 45 86 35 28 81

Educational services ...................................... 88 72 82 51 43 86 34 27 82

Elementary and secondary schools ........... 89 72 81 51 43 85 34 27 80

Junior colleges, colleges, and universities 86 74 86 49 43 88 33 28 87

Health care and social assistance ................. 91 76 83 62 52 84 43 33 78

Hospitals .................................................... 94 76 81 62 51 84 40 30 75

Public administration ......................................... 88 76 86 59 51 86 43 35 80

1 to 99 workers ...................................................... 75 64 86 42 36 86 31 25 81

1 to 49 workers .................................................. 69 59 86 35 31 88 24 19 80

50 to 99 workers ................................................ 85 73 85 52 45 85 41 34 83

100 workers or more .............................................. 89 74 83 56 48 86 39 31 81

100 to 499 workers ............................................ 84 72 86 56 50 89 37 31 85

500 workers or more .......................................... 91 75 82 56 48 85 39 31 79

See footnotes at end of table.
Table 9. Health care benefits: Access, participation, and take-up rates,1 State and local government workers, National

Compensation Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics

Medical care Dental care Vision care

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

State government .................................................. 94 82 87 59 52 88 49 38 78

Local government .................................................. 86 70 82 53 45 85 34 28 82

Geographic areas

New England ......................................................... 85 69 81 51 46 89 22 20 88

Middle Atlantic ....................................................... 87 78 90 59 53 89 43 39 92

East North Central ................................................. 81 63 78 65 54 83 47 37 79

West North Central ................................................ 83 68 82 53 44 82 12 9 76

South Atlantic ........................................................ 91 75 83 46 38 84 39 25 64

East South Central ................................................ 93 79 84 23 18 79 12 8 67

West South Central ............................................... 90 76 84 23 19 83 16 12 78

Mountain ................................................................ 87 69 79 73 64 87 34 28 80

Pacific .................................................................... 90 77 86 84 76 90 72 64 89

See footnotes at end of table.
Table 9. Health care benefits: Access, participation, and take-up

rates,1 State and local government workers, National

Compensation Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics

Outpatient prescription drug

coverage

Access Participation Take-up

rate

All workers ............................................................. 86 72 83

Worker characteristics

Management, professional, and related ................ 89 73 82

Professional and related .................................... 88 72 82

Teachers ........................................................ 87 72 82

Primary, secondary, and special education

school teachers ........................................ 93 76 81

Registered nurses ......................................... 91 72 79

Service ................................................................... 79 67 85

Protective service .............................................. 87 76 87

Sales and office ..................................................... 87 74 84

Office and administrative support ...................... 88 74 84

Natural resources, construction, and maintenance 93 82 88

Production, transportation, and material moving ... 83 69 83

Full time ................................................................. 97 82 84

Part time ................................................................ 27 19 71

Union ..................................................................... 94 79 84

Nonunion ............................................................... 81 67 83

Wage percentiles:2

Lowest 10 percent ............................................. 50 39 78

Lowest 25 percent ............................................. 67 55 81

Second 25 percent ............................................ 90 78 86

Third 25 percent ................................................ 94 78 84

Highest 25 percent ............................................ 95 79 83

Highest 10 percent ............................................ 96 80 83

Establishment characteristics

Service-providing industries .................................. 86 72 83

Education and health services ........................... 88 72 82

Educational services ...................................... 87 71 82

Elementary and secondary schools ........... 88 71 81

Junior colleges, colleges, and universities 86 73 85

Health care and social assistance ................. 90 74 83

Hospitals .................................................... 91 73 80

Public administration ......................................... 87 75 86

1 to 99 workers ...................................................... 74 63 85

1 to 49 workers .................................................. 68 58 86

50 to 99 workers ................................................ 84 71 84

100 workers or more .............................................. 88 73 83

100 to 499 workers ............................................ 83 71 86

500 workers or more .......................................... 90 74 82

See footnotes at end of table.
Table 9. Health care benefits: Access, participation, and take-up

rates,1 State and local government workers, National

Compensation Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics

Outpatient prescription drug

coverage

Access Participation Take-up

rate

State government .................................................. 93 82 87

Local government .................................................. 84 69 82

Geographic areas

New England ......................................................... 82 67 81

Middle Atlantic ....................................................... 85 77 91

East North Central ................................................. 79 62 78

West North Central ................................................ 82 66 80

South Atlantic ........................................................ 90 74 82

East South Central ................................................ 93 78 84

West South Central ............................................... 88 74 84

Mountain ................................................................ 87 68 79

Pacific .................................................................... 89 77 86

1 The take-up rate is an estimate of the

percentage of workers with access to a plan

who participate in the plan, rounded for

presentation. See Technical Note for more

details. 2 The percentile groupings are based on

the average wage for each occupation

surveyed, which may include workers both

above and below the threshold. The percentile

values are based on the estimates published

in the "National Compensation Survey:

Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 9. Standard errors for health care benefits: Access, participation, and take-up rates,1 State and local government

workers, National Compensation Survey, March 2009

Characteristics

Medical care Dental care Vision care

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

All workers ............................................................. 0.5 0.7 0.6 1.4 1.3 0.6 1.3 1.1 1.3

Worker characteristics

Management, professional, and related ................ 0.6 0.9 0.8 1.4 1.4 0.6 1.4 1.2 1.5

Professional and related .................................... 0.6 1.0 0.8 1.4 1.3 0.7 1.4 1.3 1.6

Teachers ........................................................ 0.7 1.1 0.9 1.8 1.6 0.8 1.6 1.5 1.8

Primary, secondary, and special education

school teachers ........................................ 0.5 1.1 1.1 1.9 1.7 0.9 1.8 1.8 1.9

Registered nurses ......................................... 1.9 3.5 3.1 4.5 3.8 3.7 4.7 3.9 4.2

Service ................................................................... 1.3 1.3 0.8 1.8 1.7 0.9 1.7 1.4 1.5

Protective service .............................................. 1.1 1.3 0.9 2.7 2.5 1.1 2.7 2.5 2.4

Sales and office ..................................................... 1.4 1.6 1.0 2.5 2.4 1.1 2.3 1.9 2.1

Office and administrative support ...................... 1.3 1.5 1.0 2.5 2.4 1.1 2.2 1.9 2.3

Natural resources, construction, and maintenance 1.8 1.8 1.0 3.7 3.4 1.8 3.3 2.6 2.9

Production, transportation, and material moving ... 4.1 4.2 1.8 3.8 3.5 2.1 3.4 3.1 3.1

Full time ................................................................. 0.2 0.6 0.6 1.5 1.4 0.5 1.4 1.2 1.3

Part time ................................................................ 2.0 1.3 2.6 1.4 1.2 2.2 1.2 1.0 3.0

Union ..................................................................... 0.4 0.9 0.9 1.7 1.5 0.7 1.6 1.5 1.0

Nonunion ............................................................... 0.9 1.0 0.9 1.8 1.6 0.8 1.8 1.3 2.7

Wage percentiles:2

Lowest 10 percent ............................................. 2.7 2.4 2.1 2.0 1.6 2.8 1.4 1.0 4.1

Lowest 25 percent ............................................. 1.4 1.4 1.3 1.7 1.5 1.5 1.6 1.2 2.6

Second 25 percent ............................................ 0.8 1.0 0.7 2.4 2.2 0.8 1.9 1.6 1.7

Third 25 percent ................................................ 0.7 1.1 0.9 2.1 1.9 0.7 2.0 1.7 1.5

Highest 25 percent ............................................ 0.3 0.9 0.8 1.3 1.2 0.7 1.4 1.4 1.4

Highest 10 percent ............................................ 0.4 1.3 1.3 1.8 1.8 1.1 1.9 2.1 1.6

Establishment characteristics

Service-providing industries .................................. 0.5 0.7 0.6 1.4 1.3 0.5 1.3 1.1 1.3

Education and health services ........................... 0.5 0.8 0.8 1.5 1.4 0.7 1.5 1.3 1.8

Educational services ...................................... 0.6 1.0 0.9 1.8 1.6 0.8 1.6 1.4 1.8

Elementary and secondary schools ........... 0.5 1.0 1.1 1.7 1.5 0.9 1.5 1.4 2.0

Junior colleges, colleges, and universities 1.5 2.4 2.1 4.5 4.0 1.4 4.1 3.8 2.6

Health care and social assistance ................. 1.6 2.2 1.9 3.3 3.0 2.6 3.4 3.3 3.8

Hospitals .................................................... 1.4 2.6 2.5 4.1 3.5 3.5 4.1 4.0 5.6

Public administration ......................................... 1.1 1.3 0.8 2.3 2.1 0.9 1.9 1.6 1.9

1 to 99 workers ...................................................... 2.2 2.4 1.5 3.4 3.1 1.7 2.9 2.6 2.2

1 to 49 workers .................................................. 3.3 3.6 2.5 4.4 4.1 2.9 3.3 2.8 3.4

50 to 99 workers ................................................ 1.9 2.5 1.8 3.6 3.6 2.2 4.5 4.3 3.0

100 workers or more .............................................. 0.5 0.7 0.7 1.4 1.3 0.6 1.3 1.1 1.4

100 to 499 workers ............................................ 1.2 1.3 0.8 2.4 2.2 0.9 2.4 2.2 1.6

500 workers or more .......................................... 0.5 0.8 0.8 1.7 1.5 0.7 1.5 1.3 1.7

See footnotes at end of table.
Table 9. Standard errors for health care benefits: Access, participation, and take-up rates,1 State and local government

workers, National Compensation Survey, March 2009—Continued

Characteristics

Medical care Dental care Vision care

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

State government .................................................. 0.7 1.2 0.9 3.3 3.0 1.0 2.9 2.4 2.4

Local government .................................................. 0.6 0.8 0.8 1.3 1.2 0.7 1.3 1.1 1.3

Geographic areas

New England ......................................................... 2.2 4.1 3.5 3.7 3.4 1.4 4.1 3.7 2.2

Middle Atlantic ....................................................... 1.2 1.1 0.6 2.3 2.7 1.1 4.2 4.3 1.3

East North Central ................................................. 1.7 1.9 1.5 2.7 2.5 1.7 3.6 3.1 1.8

West North Central ................................................ 2.4 0.8 2.2 6.7 5.5 1.2 2.3 1.9 9.3

South Atlantic ........................................................ 1.5 1.6 1.5 4.3 3.9 1.1 3.6 1.8 4.4

East South Central ................................................ 2.3 4.2 4.0 3.4 2.6 6.0 2.3 1.7 6.6

West South Central ............................................... 1.6 1.7 1.1 3.2 3.1 2.4 2.3 2.0 3.1

Mountain ................................................................ 1.7 2.1 2.3 4.2 3.7 1.7 9.4 7.9 3.4

Pacific .................................................................... 0.9 2.0 1.5 1.1 1.7 1.0 2.0 2.4 1.1

See footnotes at end of table.
Table 9. Standard errors for health care benefits: Access,

participation, and take-up rates,1 State and local government

workers, National Compensation Survey, March

2009—Continued

Characteristics

Outpatient prescription drug

coverage

Access Participation Take-up

rate

All workers ............................................................. 0.6 0.7 0.6

Worker characteristics

Management, professional, and related ................ 0.6 0.9 0.8

Professional and related .................................... 0.7 1.0 0.8

Teachers ........................................................ 0.8 1.1 0.9

Primary, secondary, and special education

school teachers ........................................ 0.6 1.1 1.1

Registered nurses ......................................... 2.2 3.7 3.1

Service ................................................................... 1.3 1.3 0.8

Protective service .............................................. 1.3 1.5 0.9

Sales and office ..................................................... 1.5 1.7 1.0

Office and administrative support ...................... 1.4 1.6 1.0

Natural resources, construction, and maintenance 1.6 1.8 1.1

Production, transportation, and material moving ... 4.2 4.2 1.8

Full time ................................................................. 0.3 0.6 0.6

Part time ................................................................ 2.0 1.3 2.6

Union ..................................................................... 0.4 0.8 0.8

Nonunion ............................................................... 0.9 1.0 0.9

Wage percentiles:2

Lowest 10 percent ............................................. 2.8 2.4 2.1

Lowest 25 percent ............................................. 1.5 1.5 1.3

Second 25 percent ............................................ 0.9 1.1 0.7

Third 25 percent ................................................ 0.8 1.1 0.9

Highest 25 percent ............................................ 0.5 0.8 0.8

Highest 10 percent ............................................ 0.5 1.3 1.2

Establishment characteristics

Service-providing industries .................................. 0.6 0.7 0.6

Education and health services ........................... 0.6 0.8 0.8

Educational services ...................................... 0.6 1.0 0.9

Elementary and secondary schools ........... 0.6 1.0 1.1

Junior colleges, colleges, and universities 1.5 2.5 2.1

Health care and social assistance ................. 2.2 2.8 1.9

Hospitals .................................................... 2.5 3.5 2.6

Public administration ......................................... 1.2 1.3 0.8

1 to 99 workers ...................................................... 2.2 2.3 1.5

1 to 49 workers .................................................. 3.4 3.6 2.5

50 to 99 workers ................................................ 2.1 3.1 2.2

100 workers or more .............................................. 0.5 0.7 0.7

100 to 499 workers ............................................ 1.4 1.5 0.8

500 workers or more .......................................... 0.5 0.8 0.8

See footnotes at end of table.
Table 9. Standard errors for health care benefits: Access,

participation, and take-up rates,1 State and local government

workers, National Compensation Survey, March

2009—Continued

Characteristics

Outpatient prescription drug

coverage

Access Participation Take-up

rate

State government .................................................. 0.7 1.2 0.9

Local government .................................................. 0.7 0.8 0.8

Geographic areas

New England ......................................................... 2.5 3.8 3.2

Middle Atlantic ....................................................... 1.6 1.4 0.6

East North Central ................................................. 1.7 1.8 1.5

West North Central ................................................ 2.6 1.3 2.0

South Atlantic ........................................................ 1.6 1.7 1.5

East South Central ................................................ 2.2 4.2 4.0

West South Central ............................................... 2.0 1.9 1.2

Mountain ................................................................ 1.7 2.0 2.2

Pacific .................................................................... 0.9 1.8 1.5

1 The take-up rate is an estimate of the

percentage of workers with access to a plan

who participate in the plan, rounded for

presentation. See Technical Note for more

details. 2 The percentile groupings are based on

the average wage for each occupation

surveyed, which may include workers both

above and below the threshold. The percentile

values are based on the estimates published

in the "National Compensation Survey:

Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 10. Medical care benefits: Share of premiums paid by employer and

employee, State and local government workers, National Compensation

Survey, March 2009

(In percent)

Characteristics

Single coverage Family coverage

Employer

share

Employee

share

Employer

share

Employee

share

All workers ............................................................. 90 10 73 27

Worker characteristics

Management, professional, and related ................ 90 10 72 28

Professional and related .................................... 89 11 71 29

Teachers ........................................................ 90 10 70 30

Primary, secondary, and special education

school teachers ........................................ 90 10 68 32

Registered nurses ......................................... 87 13 75 25

Service ................................................................... 90 10 75 25

Protective service .............................................. 90 10 79 21

Sales and office ..................................................... 90 10 76 24

Office and administrative support ...................... 90 10 75 25

Natural resources, construction, and maintenance 90 10 76 24

Production, transportation, and material moving ... 91 9 75 25

Full time ................................................................. 90 10 73 27

Part time ................................................................ 88 12 76 24

Union ..................................................................... 91 9 81 19

Nonunion ............................................................... 89 11 66 34

Wage percentiles:1

Lowest 10 percent ............................................. 89 11 61 39

Lowest 25 percent ............................................. 90 10 67 33

Second 25 percent ............................................ 90 10 76 24

Third 25 percent ................................................ 90 10 73 27

Highest 25 percent ............................................ 90 10 76 24

Highest 10 percent ............................................ 91 9 81 19

Establishment characteristics

Service-providing industries .................................. 90 10 73 27

Education and health services ........................... 90 10 70 30

Educational services ...................................... 90 10 69 31

Elementary and secondary schools ........... 90 10 68 32

Junior colleges, colleges, and universities 90 10 72 28

Health care and social assistance ................. 87 13 76 24

Hospitals .................................................... 88 12 75 25

Public administration ......................................... 90 10 79 21

1 to 99 workers ...................................................... 91 9 72 28

1 to 49 workers .................................................. 92 8 71 29

50 to 99 workers ................................................ 91 9 74 26

100 workers or more .............................................. 90 10 73 27

100 to 499 workers ............................................ 90 10 74 26

500 workers or more .......................................... 89 11 73 27

See footnotes at end of table.
Table 10. Medical care benefits: Share of premiums paid by employer and

employee, State and local government workers, National Compensation

Survey, March 2009—Continued

(In percent)

Characteristics

Single coverage Family coverage

Employer

share

Employee

share

Employer

share

Employee

share

State government .................................................. 89 11 75 25

Local government .................................................. 90 10 73 27

Geographic areas

New England ......................................................... 87 13 83 17

Middle Atlantic ....................................................... 93 7 91 9

East North Central ................................................. 90 10 85 15

West North Central ................................................ 91 9 71 29

South Atlantic ........................................................ 88 12 66 34

East South Central ................................................ 91 9 58 42

West South Central ............................................... 87 13 54 46

Mountain ................................................................ 92 8 70 30

Pacific .................................................................... 89 11 79 21

1 The percentile groupings are based on the

average wage for each occupation surveyed, which may

include workers both above and below the threshold.

The percentile values are based on the estimates

published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: Because of rounding, sums of individual items

may not equal totals. For definitions of major plans, key

provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 10. Standard errors for medical care benefits: Share of premiums paid

by employer and employee, State and local government workers, National

Compensation Survey, March 2009

Characteristics

Single coverage Family coverage

Employer

share

Employee

share

Employer

share

Employee

share

All workers ............................................................. 0.3 0.3 0.8 0.8

Worker characteristics

Management, professional, and related ................ 0.4 0.4 0.9 0.9

Professional and related .................................... 0.4 0.4 0.9 0.9

Teachers ........................................................ 0.5 0.5 1.0 1.0

Primary, secondary, and special education

school teachers ........................................ 0.5 0.5 1.1 1.1

Registered nurses ......................................... 1.3 1.3 1.9 1.9

Service ................................................................... 0.4 0.4 1.1 1.1

Protective service .............................................. 0.6 0.6 1.0 1.0

Sales and office ..................................................... 0.7 0.7 1.1 1.1

Office and administrative support ...................... 0.7 0.7 1.1 1.1

Natural resources, construction, and maintenance 0.5 0.5 1.4 1.4

Production, transportation, and material moving ... 0.7 0.7 1.6 1.6

Full time ................................................................. 0.3 0.3 0.8 0.8

Part time ................................................................ 0.8 0.8 2.1 2.1

Union ..................................................................... 0.4 0.4 0.8 0.8

Nonunion ............................................................... 0.5 0.5 1.3 1.3

Wage percentiles:1

Lowest 10 percent ............................................. 1.0 1.0 2.5 2.5

Lowest 25 percent ............................................. 0.6 0.6 1.4 1.4

Second 25 percent ............................................ 0.5 0.5 1.0 1.0

Third 25 percent ................................................ 0.4 0.4 1.1 1.1

Highest 25 percent ............................................ 0.4 0.4 0.7 0.7

Highest 10 percent ............................................ 0.5 0.5 1.0 1.0

Establishment characteristics

Service-providing industries .................................. 0.3 0.3 0.8 0.8

Education and health services ........................... 0.4 0.4 1.0 1.0

Educational services ...................................... 0.5 0.5 1.1 1.1

Elementary and secondary schools ........... 0.5 0.5 1.0 1.0

Junior colleges, colleges, and universities 1.1 1.1 3.3 3.3

Health care and social assistance ................. 1.0 1.0 1.4 1.4

Hospitals .................................................... 1.4 1.4 1.9 1.9

Public administration ......................................... 0.4 0.4 0.7 0.7

1 to 99 workers ...................................................... 0.7 0.7 1.5 1.5

1 to 49 workers .................................................. 1.0 1.0 2.0 2.0

50 to 99 workers ................................................ 0.9 0.9 2.0 2.0

100 workers or more .............................................. 0.4 0.4 0.8 0.8

100 to 499 workers ............................................ 0.6 0.6 1.7 1.7

500 workers or more .......................................... 0.4 0.4 0.9 0.9

See footnotes at end of table.
Table 10. Standard errors for medical care benefits: Share of premiums paid

by employer and employee, State and local government workers, National

Compensation Survey, March 2009—Continued

Characteristics

Single coverage Family coverage

Employer

share

Employee

share

Employer

share

Employee

share

State government .................................................. 0.7 0.7 1.7 1.7

Local government .................................................. 0.4 0.4 0.8 0.8

Geographic areas

New England ......................................................... 1.6 1.6 0.3 0.3

Middle Atlantic ....................................................... 0.8 0.8 0.9 0.9

East North Central ................................................. 0.6 0.6 1.3 1.3

West North Central ................................................ 1.6 1.6 1.9 1.9

South Atlantic ........................................................ 0.9 0.9 1.7 1.7

East South Central ................................................ 1.1 1.1 5.2 5.2

West South Central ............................................... 1.2 1.2 1.7 1.7

Mountain ................................................................ 1.6 1.6 1.8 1.8

Pacific .................................................................... 0.7 0.7 0.7 0.7

1 The percentile groupings are based on the

average wage for each occupation surveyed, which may

include workers both above and below the threshold.

The percentile values are based on the estimates

published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee

Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 11. Medical care benefits, single coverage: Employer and employee premiums by employee

contribution requirement, State and local government workers, National Compensation Survey, March 2009

(All workers with single coverage medical care benefits = 100 percent)

Characteristics

Total Employee contribution not

required Employee contribution required

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

All workers ............................................................. 100 $416.36 38 $441.77 62 $400.86 $77.67

Worker characteristics

Management, professional, and related ................ 100 423.65 38 447.89 62 408.74 81.70

Professional and related .................................... 100 423.37 39 451.40 61 405.70 83.64

Teachers ........................................................ 100 433.77 43 454.58 57 418.24 87.51

Primary, secondary, and special education

school teachers ........................................ 100 441.39 42 469.08 58 421.04 91.33

Registered nurses ......................................... 100 391.26 27 431.87 73 376.35 79.31

Service ................................................................... 100 403.68 37 425.05 63 390.95 73.81

Protective service .............................................. 100 408.88 35 437.31 65 393.26 69.37

Sales and office ..................................................... 100 409.23 38 443.56 62 388.57 72.47

Office and administrative support ...................... 100 411.46 37 448.83 63 389.47 73.12

Natural resources, construction, and maintenance 100 410.03 34 432.37 66 398.27 71.16

Production, transportation, and material moving ... 100 413.37 44 443.83 56 389.25 69.07

Full time ................................................................. 100 415.80 38 440.62 62 400.60 76.79

Part time ................................................................ 100 429.26 36 470.34 64 406.51 97.38

Union ..................................................................... 100 452.82 41 485.98 59 429.62 80.98

Nonunion ............................................................... 100 381.83 35 392.22 65 376.29 74.84

Wage percentiles:1

Lowest 10 percent ............................................. 100 365.90 37 368.75 63 364.22 85.67

Lowest 25 percent ............................................. 100 389.53 40 409.23 60 376.41 80.31

Second 25 percent ............................................ 100 409.87 37 441.04 63 391.37 73.00

Third 25 percent ................................................ 100 412.43 38 427.91 62 403.03 72.77

Highest 25 percent ............................................ 100 441.16 37 475.11 63 421.13 83.17

Highest 10 percent ............................................ 100 450.03 39 472.53 61 435.87 79.58

Establishment characteristics

Service-providing industries .................................. 100 417.03 38 441.84 62 401.77 77.78

Education and health services ........................... 100 413.92 39 435.11 61 400.40 83.52

Educational services ...................................... 100 417.35 40 434.95 60 405.40 85.10

Elementary and secondary schools ........... 100 425.44 42 445.76 58 410.47 91.27

Junior colleges, colleges, and universities 100 388.30 34 389.39 66 387.73 68.12

Health care and social assistance ................. 100 391.51 29 436.56 71 372.83 74.80

Hospitals .................................................... 100 380.17 34 420.27 66 359.77 76.00

Public administration ......................................... 100 417.62 35 452.03 65 399.24 69.21

1 to 99 workers ...................................................... 100 425.67 45 440.19 55 413.91 72.87

1 to 49 workers .................................................. 100 410.87 45 421.75 55 402.03 69.41

50 to 99 workers ................................................ 100 444.07 45 463.26 55 428.62 77.17

100 workers or more .............................................. 100 415.15 37 442.02 63 399.37 78.21

100 to 499 workers ............................................ 100 435.68 42 477.80 58 405.21 79.44

500 workers or more .......................................... 100 408.25 35 427.73 65 397.61 77.84

See footnotes at end of table.
Table 11. Medical care benefits, single coverage: Employer and employee premiums by employee

contribution requirement, State and local government workers, National Compensation Survey, March

2009—Continued

(All workers with single coverage medical care benefits = 100 percent)

Characteristics

Total Employee contribution not

required Employee contribution required

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

State government .................................................. 100 $400.35 27 $443.65 73 $384.49 $69.82

Local government .................................................. 100 422.53 42 441.31 58 408.85 81.50

Geographic areas

New England ......................................................... 100 453.76 28 483.06 72 442.53 96.99

Middle Atlantic ....................................................... 100 411.94 52 408.49 48 415.66 68.08

East North Central ................................................. 100 459.18 26 534.25 74 432.99 64.64

West North Central ................................................ 100 397.53 47 424.90 53 373.12 85.63

South Atlantic ........................................................ 100 374.06 30 391.50 70 366.47 73.28

East South Central ................................................ 100 386.66 46 381.11 54 391.45 72.18

West South Central ............................................... 100 347.19 41 364.42 59 335.01 98.42

Mountain ................................................................ 100 439.86 37 473.69 63 420.28 68.58

Pacific .................................................................... 100 492.74 36 576.83 64 445.35 83.02

1 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. For

definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 11. Standard errors for medical care benefits, single coverage: Employer and employee

premiums by employee contribution requirement, State and local government workers, National

Compensation Survey, March 2009

Characteristics

Total Employee contribution not

required Employee contribution required

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

All workers ............................................................. $4.94 1.7 $8.88 1.7 $5.02 $1.74

Worker characteristics

Management, professional, and related ................ 6.13 1.7 10.47 1.7 6.12 2.28

Professional and related .................................... 6.31 1.7 10.87 1.7 6.11 2.49

Teachers ........................................................ 6.81 1.8 10.69 1.8 8.20 3.19

Primary, secondary, and special education

school teachers ........................................ 8.16 2.1 13.60 2.1 9.76 3.55

Registered nurses ......................................... 13.32 4.8 32.88 4.8 13.14 6.29

Service ................................................................... 5.38 2.2 9.81 2.2 6.30 2.43

Protective service .............................................. 7.67 3.0 14.67 3.0 8.94 3.14

Sales and office ..................................................... 7.20 2.9 15.91 2.9 5.43 2.49

Office and administrative support ...................... 7.39 2.9 16.40 2.9 5.68 2.58

Natural resources, construction, and maintenance 9.50 3.2 16.66 3.2 9.78 3.37

Production, transportation, and material moving ... 8.68 4.0 14.59 4.0 10.70 3.08

Full time ................................................................. 4.96 1.8 8.76 1.8 5.15 1.76

Part time ................................................................ 16.35 3.9 35.07 3.9 13.60 7.38

Union ..................................................................... 6.14 1.8 11.89 1.8 5.92 2.35

Nonunion ............................................................... 5.54 2.6 7.21 2.6 6.70 2.28

Wage percentiles:1

Lowest 10 percent ............................................. 5.87 5.1 5.93 5.1 8.63 6.86

Lowest 25 percent ............................................. 5.96 3.1 10.10 3.1 6.66 3.32

Second 25 percent ............................................ 6.53 2.4 13.77 2.4 5.81 2.17

Third 25 percent ................................................ 5.55 2.0 10.25 2.0 6.61 2.43

Highest 25 percent ............................................ 6.73 1.5 11.24 1.5 6.58 2.52

Highest 10 percent ............................................ 9.27 1.7 15.31 1.7 8.09 3.21

Establishment characteristics

Service-providing industries .................................. 4.99 1.7 8.89 1.7 5.07 1.77

Education and health services ........................... 5.18 1.9 8.72 1.9 5.70 2.56

Educational services ...................................... 5.43 1.9 9.19 1.9 6.26 2.97

Elementary and secondary schools ........... 6.60 2.0 11.17 2.0 7.91 3.80

Junior colleges, colleges, and universities 7.30 5.0 13.19 5.0 8.85 4.35

Health care and social assistance ................. 11.21 4.8 23.74 4.8 10.24 2.37

Hospitals .................................................... 13.60 6.1 22.65 6.1 14.95 3.39

Public administration ......................................... 7.48 2.2 17.71 2.2 5.51 2.05

1 to 99 workers ...................................................... 14.76 4.0 18.90 4.0 15.47 3.08

1 to 49 workers .................................................. 9.99 5.6 16.64 5.6 12.63 4.54

50 to 99 workers ................................................ 28.84 4.5 31.68 4.5 31.20 5.29

100 workers or more .............................................. 4.65 1.8 8.52 1.8 5.08 1.86

100 to 499 workers ............................................ 11.37 2.9 19.32 2.9 10.55 3.36

500 workers or more .......................................... 4.59 1.8 7.51 1.8 5.14 2.13

See footnotes at end of table.
Table 11. Standard errors for medical care benefits, single coverage: Employer and employee

premiums by employee contribution requirement, State and local government workers, National

Compensation Survey, March 2009—Continued

Characteristics

Total Employee contribution not

required Employee contribution required

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

State government .................................................. $9.73 3.6 $30.89 3.6 $5.47 $2.36

Local government .................................................. 5.62 1.7 8.13 1.7 6.70 2.36

Geographic areas

New England ......................................................... 13.56 6.2 24.82 6.2 10.98 7.01

Middle Atlantic ....................................................... 5.05 4.0 7.77 4.0 12.65 4.05

East North Central ................................................. 17.32 2.6 36.20 2.6 14.21 3.26

West North Central ................................................ 15.46 7.7 15.27 7.7 14.12 10.59

South Atlantic ........................................................ 7.83 4.0 12.89 4.0 9.29 3.24

East South Central ................................................ 21.11 8.0 15.40 8.0 29.97 8.98

West South Central ............................................... 5.38 6.1 8.59 6.1 6.82 5.35

Mountain ................................................................ 14.76 8.3 26.44 8.3 22.98 10.20

Pacific .................................................................... 17.38 2.9 30.91 2.9 13.90 3.43

1 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below

the threshold. The percentile values are based on the estimates

published in the "National Compensation Survey: Occupational Earnings

in the United States, 2008." See Technical Note for more details.

NOTE: For definitions of major plans, key provisions, and related terms,

see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 12. Medical care benefits, single coverage: Employee participation by type of contribution, State and

local government workers, National Compensation Survey, March 2009

(All workers with contributory coverage = 100 percent)

Characteristics

Single coverage

Total with

contributory

coverage

Flat dollar

amount

Composite

rate1 Varies2 Flexiblebenefits3

Percent of

earnings

Exists, but

unknown

All workers ............................................................. 100 81 4 ( ) 12 2 4 () 4

Worker characteristics

Management, professional, and related ................ 100 80 4 ( ) 12 3 4 () 4

Professional and related .................................... 100 81 4 ( ) 12 2 – 4

Teachers ........................................................ 100 82 1 11 – – 5

Primary, secondary, and special education

school teachers ........................................ 100 83 19––5

Registered nurses ......................................... 100 77 – 15 – – 5

Service ................................................................... 100 82 – 10 1 – 5

Protective service .............................................. 100 83 –91–5

Sales and office ..................................................... 100 82 – 11 3 – 2

Office and administrative support ...................... 100 83 – 12 2 – 3

Natural resources, construction, and maintenance 100 81 – 12 2 – 4

Production, transportation, and material moving ... 100 84 – 10 – – 5

Full time ................................................................. 100 81 4 ( ) 12 2 4 () 4

Part time ................................................................ 100 81 – 10 3 – –

Union ..................................................................... 100 78 1 14 2 – 5

Nonunion ............................................................... 100 84 – 10 3 – 3

Wage percentiles:5

Lowest 10 percent ............................................. 100 83 –9––7

Lowest 25 percent ............................................. 100 82 1 10 3 4 () 4

Second 25 percent ............................................ 100 84 – 11 2 – 3

Third 25 percent ................................................ 100 83 –92–4

Highest 25 percent ............................................ 100 77 4 ( ) 15 3 – 4

Highest 10 percent ............................................ 100 73 – 18 3 – 5

Establishment characteristics

Service-providing industries .................................. 100 81 4 ( ) 11 2 4 () 4

Education and health services ........................... 100 81 4 ( ) 12 2 4 () 4

Educational services ...................................... 100 82 4 ( ) 12 1 4 () 4

Elementary and secondary schools ........... 100 83 182–5

Junior colleges, colleges, and universities 100 77 – 21 – – –

Health care and social assistance ................. 100 78 – 17 – – 2

Hospitals .................................................... 100 82 – 13 – – –

Public administration ......................................... 100 81 – 10 3 – 4

1 to 99 workers ...................................................... 100 74 – 14 7 – 5

1 to 49 workers .................................................. 100 65 – 19 9 – –

50 to 99 workers ................................................ 100 85 –8––3

100 workers or more .............................................. 100 82 4 ( ) 11 2 4 () 4

100 to 499 workers ............................................ 100 86 –92–3

500 workers or more .......................................... 100 81 1 12 2 4 () 4

See footnotes at end of table.
Table 12. Medical care benefits, single coverage: Employee participation by type of contribution, State and

local government workers, National Compensation Survey, March 2009—Continued

(All workers with contributory coverage = 100 percent)

Characteristics

Single coverage

Total with

contributory

coverage

Flat dollar

amount

Composite

rate1 Varies2 Flexiblebenefits3

Percent of

earnings

Exists, but

unknown

State government .................................................. 100 74 – 20 4 – 1

Local government .................................................. 100 85 1 7 1 4 () 5

Geographic areas

New England ......................................................... 100 90 –––––

Middle Atlantic ....................................................... 100 70 – 20 – 1 –

East North Central ................................................. 100 81 – 15 – – 4

West North Central ................................................ 100 77 –––––

South Atlantic ........................................................ 100 95 –1––2

East South Central ................................................ 100 83 –––––

West South Central ............................................... 100 79 ––––6

Mountain ................................................................ 100 79 ––7––

Pacific .................................................................... 100 70 – 19 6 – 2

Average monthly employer premium6 ................... $400.86 $394.18 $630.68 $440.47 $393.73 $387.70 $401.69

1 A composite rate is a set contribution covering more than one benefit

area, for example, health care and life insurance. Cost data for individual plans

cannot be determined. 2 Based on worker attributes. For example, employee contributions may

vary based on earnings, length of service, or age. 3 Amount varies by options selected under a "cafeteria plan" or

employer-sponsored reimbursement account. 4 Less than 0.5 percent. 5 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details. 6 Average premium is for all workers.

NOTE: Because of rounding, sums of individual items may not equal totals.

Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 12. Standard errors for medical care benefits, single coverage: Employee participation by type of

contribution, State and local government workers, National Compensation Survey, March 2009

Characteristics

Single coverage

Total with

contributory

coverage

Flat dollar

amount

Composite

rate1 Varies2 Flexiblebenefits3

Percent of

earnings

Exists, but

unknown

All workers ............................................................. 0.0 1.3 4 ( ) 1.0 0.5 4 ( ) 0.6

Worker characteristics

Management, professional, and related ................ 0.0 1.4 4 ( ) 1.2 0.6 4 ( ) 0.7

Professional and related .................................... 0.0 1.3 4 ( ) 1.1 0.5 – 0.8

Teachers ........................................................ 0.0 1.7 0.1 1.2 – – 1.2

Primary, secondary, and special education

school teachers ........................................ 0.0 2.0 0.1 1.3 – – 1.5

Registered nurses ......................................... 0.0 4.3 – 3.9 – – 1.8

Service ................................................................... 0.0 2.1 – 1.5 0.4 – 1.0

Protective service .............................................. 0.0 2.9 – 2.2 0.3 – 1.5

Sales and office ..................................................... 0.0 1.9 – 1.4 1.1 – 0.7

Office and administrative support ...................... 0.0 1.7 – 1.3 0.7 – 0.7

Natural resources, construction, and maintenance 0.0 2.8 – 2.3 0.4 – 1.2

Production, transportation, and material moving ... 0.0 2.2 – 1.6 – – 1.0

Full time ................................................................. 0.0 1.3 4 ( ) 1.0 0.5 4 ( ) 0.6

Part time ................................................................ 0.0 3.8 – 2.2 0.6 – –

Union ..................................................................... 0.0 1.6 0.1 1.1 0.6 – 0.9

Nonunion ............................................................... 0.0 1.7 – 1.5 0.7 – 0.6

Wage percentiles:5

Lowest 10 percent ............................................. 0.0 3.1 – 1.9 – – 2.5

Lowest 25 percent ............................................. 0.0 2.3 0.3 1.7 1.4 4 ( ) 1.1

Second 25 percent ............................................ 0.0 1.9 – 1.7 0.5 – 0.6

Third 25 percent ................................................ 0.0 1.6 – 1.0 0.4 – 0.8

Highest 25 percent ............................................ 0.0 1.4 4 ( ) 1.2 0.7 – 0.9

Highest 10 percent ............................................ 0.0 2.2 – 1.7 0.4 – 1.9

Establishment characteristics

Service-providing industries .................................. 0.0 1.3 4 ( ) 1.0 0.4 4 ( ) 0.6

Education and health services ........................... 0.0 1.4 4 ( ) 1.2 0.3 4 ( ) 0.7

Educational services ...................................... 0.0 1.4 4 ( ) 1.2 0.3 4 ( ) 0.8

Elementary and secondary schools ........... 0.0 1.7 0.2 1.3 0.5 – 1.2

Junior colleges, colleges, and universities 0.0 3.3 – 3.1 – – –

Health care and social assistance ................. 0.0 3.4 – 3.2 – – 0.9

Hospitals .................................................... 0.0 3.7 – 3.6 – – –

Public administration ......................................... 0.0 2.6 – 1.7 0.9 – 1.2

1 to 99 workers ...................................................... 0.0 3.7 – 3.6 2.1 – 2.3

1 to 49 workers .................................................. 0.0 5.1 – 5.7 2.3 – –

50 to 99 workers ................................................ 0.0 3.1 – 1.9 – – 0.5

100 workers or more .............................................. 0.0 1.2 4 ( ) 1.0 0.4 4 ( ) 0.6

100 to 499 workers ............................................ 0.0 2.5 – 2.2 0.6 – 1.0

500 workers or more .......................................... 0.0 1.4 0.2 1.0 0.5 4 ( ) 0.8

See footnotes at end of table.
Table 12. Standard errors for medical care benefits, single coverage: Employee participation by type of

contribution, State and local government workers, National Compensation Survey, March

2009—Continued

Characteristics

Single coverage

Total with

contributory

coverage

Flat dollar

amount

Composite

rate1 Varies2 Flexiblebenefits3

Percent of

earnings

Exists, but

unknown

State government .................................................. 0.0 2.8 – 2.5 1.1 – 0.4

Local government .................................................. 0.0 1.3 0.2 0.9 0.4 4 ( ) 0.9

Geographic areas

New England ......................................................... 0.0 2.8 –––––

Middle Atlantic ....................................................... 0.0 4.0 – 2.3 – 0.1 –

East North Central ................................................. 0.0 3.6 – 2.4 – – 1.7

West North Central ................................................ 0.0 7.1 –––––

South Atlantic ........................................................ 0.0 1.3 – 0.3 – – 0.8

East South Central ................................................ 0.0 5.3 –––––

West South Central ............................................... 0.0 4.4 – – – – 1.9

Mountain ................................................................ 0.0 6.8 – – 1.1 – –

Pacific .................................................................... 0.0 2.6 – 2.2 0.5 – 1.1

Average monthly employer premium6 ................... $5.02 $5.27 $112.26 $11.73 $14.99 $19.52 $19.55

1 A composite rate is a set contribution covering more than one benefit

area, for example, health care and life insurance. Cost data for individual plans

cannot be determined. 2 Based on worker attributes. For example, employee contributions may

vary based on earnings, length of service, or age. 3 Amount varies by options selected under a "cafeteria plan" or

employer-sponsored reimbursement account. 4 Less than 0.05. 5 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details. 6 Average premium is for all workers.

NOTE: Dash indicates no workers in this category or data did not meet

publication criteria. For definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 13. Medical care benefits, family coverage: Employer and employee premiums by employee

contribution requirement, State and local government workers, National Compensation Survey, March 2009

(All workers with family coverage medical care benefits = 100 percent)

Characteristics

Total Employee contribution not

required Employee contribution required

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

All workers ............................................................. 100 $836.11 14 $1,012.97 86 $808.27 $342.50

Worker characteristics

Management, professional, and related ................ 100 826.64 13 1,004.22 87 799.21 365.40

Professional and related .................................... 100 820.67 14 1,001.52 86 791.37 375.88

Teachers ........................................................ 100 802.52 16 1,003.34 84 763.02 412.85

Primary, secondary, and special education

school teachers ........................................ 100 795.44 15 1,042.16 85 750.46 433.63

Registered nurses ......................................... 100 891.86 8 1,066.95 92 876.20 290.96

Service ................................................................... 100 853.29 14 1,037.67 86 822.86 315.66

Protective service .............................................. 100 906.78 14 1,068.24 86 880.81 268.54

Sales and office ..................................................... 100 845.06 13 996.03 87 821.54 309.24

Office and administrative support ...................... 100 846.27 13 1,011.46 87 821.40 308.52

Natural resources, construction, and maintenance 100 837.67 11 1,007.91 89 815.66 307.52

Production, transportation, and material moving ... 100 846.92 18 1,060.96 82 801.48 329.97

Full time ................................................................. 100 833.13 14 1,016.84 86 804.38 342.36

Part time ................................................................ 100 905.61 15 931.93 85 900.92 346.00

Union ..................................................................... 100 966.15 24 1,017.34 76 950.37 316.31

Nonunion ............................................................... 100 713.53 4 989.85 96 701.42 362.20

Wage percentiles:1

Lowest 10 percent ............................................. 100 654.72 3 949.49 97 646.47 405.43

Lowest 25 percent ............................................. 100 733.69 8 1,039.53 92 707.44 379.63

Second 25 percent ............................................ 100 855.01 13 1,011.48 87 831.94 308.10

Third 25 percent ................................................ 100 834.44 12 995.66 88 812.62 329.54

Highest 25 percent ............................................ 100 888.24 19 1,014.83 81 858.48 354.01

Highest 10 percent ............................................ 100 958.27 23 979.46 77 951.87 314.76

Establishment characteristics

Service-providing industries .................................. 100 836.17 14 1,011.89 86 808.35 343.15

Education and health services ........................... 100 796.75 14 1,010.60 86 762.70 387.46

Educational services ...................................... 100 783.27 14 1,013.66 86 744.46 403.30

Elementary and secondary schools ........... 100 777.07 17 1,019.06 83 728.62 433.94

Junior colleges, colleges, and universities 100 801.78 7 968.65 93 788.64 315.96

Health care and social assistance ................. 100 884.18 9 979.94 91 874.33 290.48

Hospitals .................................................... 100 857.83 10 902.19 90 852.85 287.05

Public administration ......................................... 100 897.88 12 1,015.34 88 881.24 267.92

1 to 99 workers ...................................................... 100 830.16 9 1,151.79 91 798.13 326.40

1 to 49 workers .................................................. 100 801.26 8 1,183.69 92 767.56 332.36

50 to 99 workers ................................................ 100 866.21 10 1,120.34 90 837.18 318.80

100 workers or more .............................................. 100 836.88 14 1,001.47 86 809.66 344.72

100 to 499 workers ............................................ 100 875.48 15 1,068.17 85 840.32 337.21

500 workers or more .......................................... 100 823.94 14 976.42 86 799.59 347.19

See footnotes at end of table.
Table 13. Medical care benefits, family coverage: Employer and employee premiums by employee

contribution requirement, State and local government workers, National Compensation Survey, March

2009—Continued

(All workers with family coverage medical care benefits = 100 percent)

Characteristics

Total Employee contribution not

required Employee contribution required

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

State government .................................................. 100 $860.74 4 $1,104.02 96 $849.69 $278.69

Local government .................................................. 100 826.53 17 1,004.02 83 789.66 371.17

Geographic areas

New England ......................................................... 100 1,114.99 18 1,184.91 82 1,099.39 280.07

Middle Atlantic ....................................................... 100 997.80 48 993.42 52 1,001.81 223.07

East North Central ................................................. 100 1,060.64 16 1,142.84 84 1,045.48 215.08

West North Central ................................................ 100 866.60 11 1,063.94 89 841.12 383.34

South Atlantic ........................................................ 100 706.50 1 776.43 99 705.74 370.90

East South Central ................................................ 100 546.05 1 550.75 99 546.01 386.34

West South Central ............................................... 100 559.69 – – – – –

Mountain ................................................................ 100 763.76 6 719.26 94 766.39 364.98

Pacific .................................................................... 100 954.12 15 969.98 85 951.27 314.04

1 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals.

Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 13. Standard errors for medical care benefits, family coverage: Employer and employee

premiums by employee contribution requirement, State and local government workers, National

Compensation Survey, March 2009

Characteristics

Total Employee contribution not

required Employee contribution required

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

All workers ............................................................. $12.17 0.7 $16.78 0.7 $13.02 $8.81

Worker characteristics

Management, professional, and related ................ 13.47 0.9 21.63 0.9 14.26 10.68

Professional and related .................................... 14.00 1.0 23.86 1.0 14.72 10.83

Teachers ........................................................ 16.29 1.3 29.85 1.3 17.76 15.21

Primary, secondary, and special education

school teachers ........................................ 18.23 1.5 35.42 1.5 19.58 16.29

Registered nurses ......................................... 46.35 1.6 59.28 1.6 49.84 16.11

Service ................................................................... 16.84 1.1 20.41 1.1 18.64 9.62

Protective service .............................................. 18.58 1.7 38.82 1.7 20.39 9.60

Sales and office ..................................................... 18.80 1.8 44.36 1.8 18.91 10.10

Office and administrative support ...................... 19.13 1.5 44.26 1.5 19.45 10.16

Natural resources, construction, and maintenance 23.12 1.6 46.58 1.6 22.22 16.23

Production, transportation, and material moving ... 27.42 3.1 49.33 3.1 29.42 17.38

Full time ................................................................. 12.24 0.7 15.95 0.7 13.23 9.22

Part time ................................................................ 44.41 2.8 114.67 2.8 40.87 26.95

Union ..................................................................... 12.04 1.2 16.39 1.2 14.33 15.07

Nonunion ............................................................... 18.10 0.4 51.79 0.4 18.32 12.16

Wage percentiles:1

Lowest 10 percent ............................................. 36.42 0.8 96.48 0.8 36.39 21.32

Lowest 25 percent ............................................. 20.98 0.9 33.31 0.9 21.72 11.43

Second 25 percent ............................................ 16.73 1.0 30.59 1.0 17.19 11.10

Third 25 percent ................................................ 17.06 1.0 30.65 1.0 18.26 12.34

Highest 25 percent ............................................ 12.77 1.1 22.19 1.1 13.53 11.31

Highest 10 percent ............................................ 16.04 1.4 24.79 1.4 19.24 14.75

Establishment characteristics

Service-providing industries .................................. 12.29 0.7 16.24 0.7 13.19 8.89

Education and health services ........................... 14.37 0.8 21.68 0.8 15.29 12.82

Educational services ...................................... 14.84 1.0 22.10 1.0 15.78 14.21

Elementary and secondary schools ........... 14.73 1.1 22.61 1.1 15.18 15.71

Junior colleges, colleges, and universities 40.50 1.5 79.08 1.5 41.80 30.18

Health care and social assistance ................. 29.68 1.3 42.16 1.3 32.12 11.79

Hospitals .................................................... 39.27 1.8 52.43 1.8 42.77 13.19

Public administration ......................................... 13.04 1.0 25.38 1.0 13.93 8.15

1 to 99 workers ...................................................... 28.15 1.7 80.85 1.7 29.31 14.98

1 to 49 workers .................................................. 30.56 2.1 94.70 2.1 32.21 19.43

50 to 99 workers ................................................ 38.58 2.2 105.70 2.2 40.05 20.53

100 workers or more .............................................. 12.69 0.8 15.76 0.8 13.76 9.52

100 to 499 workers ............................................ 29.74 1.9 32.99 1.9 31.94 14.15

500 workers or more .......................................... 12.60 0.7 16.59 0.7 13.93 12.17

See footnotes at end of table.
Table 13. Standard errors for medical care benefits, family coverage: Employer and employee

premiums by employee contribution requirement, State and local government workers, National

Compensation Survey, March 2009—Continued

Characteristics

Total Employee contribution not

required Employee contribution required

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Percent of

participating

employees

Average

flat monthly

employer

premium

Average

flat monthly

employee

contribution

State government .................................................. $23.21 1.0 $66.62 1.0 $23.95 $14.71

Local government .................................................. 12.87 0.9 17.42 0.9 13.61 9.80

Geographic areas

New England ......................................................... 20.30 2.5 62.60 2.5 19.51 10.85

Middle Atlantic ....................................................... 15.42 4.0 16.25 4.0 26.71 12.18

East North Central ................................................. 34.37 2.6 51.04 2.6 35.54 14.36

West North Central ................................................ 34.72 2.7 101.43 2.7 27.54 28.27

South Atlantic ........................................................ 25.44 0.4 163.14 0.4 25.23 24.53

East South Central ................................................ 51.52 0.1 66.72 0.1 51.57 45.45

West South Central ............................................... 23.58 – – – – –

Mountain ................................................................ 39.03 2.2 149.21 2.2 38.08 17.16

Pacific .................................................................... 15.85 1.3 38.69 1.3 13.79 12.79

1 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below

the threshold. The percentile values are based on the estimates

published in the "National Compensation Survey: Occupational Earnings

in the United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet

publication criteria. For definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 14. Medical care benefits, family coverage: Employee participation by type of contribution,

State and local government workers, National Compensation Survey, March 2009

(All workers with contributory coverage = 100 percent)

Characteristics

Family coverage

Total with

contributory

coverage

Flat dollar

amount Varies1 Flexiblebenefits2

Percent of

earnings

Exists, but

unknown

All workers ............................................................. 100 85 8 2 3 () 5

Worker characteristics

Management, professional, and related ................ 100 84 9 2 3 () 4

Professional and related .................................... 100 85 9 1 3 () 4

Teachers ........................................................ 100 86 81–5

Primary, secondary, and special education

school teachers ........................................ 100 86 61–6

Registered nurses ......................................... 100 82 11 – – 5

Service ................................................................... 100 86 81–5

Protective service .............................................. 100 86 8––5

Sales and office ..................................................... 100 86 82–4

Office and administrative support ...................... 100 86 82–4

Natural resources, construction, and maintenance 100 84 82–6

Production, transportation, and material moving ... 100 85 7––6

Full time ................................................................. 100 85 8 2 3 () 5

Part time ................................................................ 100 83 81––

Union ..................................................................... 100 81 10 – – 6

Nonunion ............................................................... 100 87 72–3

Wage percentiles:4

Lowest 10 percent ............................................. 100 88 6––6

Lowest 25 percent ............................................. 100 87 7 2 3 () 4

Second 25 percent ............................................ 100 87 81–4

Third 25 percent ................................................ 100 86 71–5

Highest 25 percent ............................................ 100 81 12 2 – 5

Highest 10 percent ............................................ 100 78 16 2 – 4

Establishment characteristics

Service-providing industries .................................. 100 85 8 2 3 () 5

Education and health services ........................... 100 85 9 1 3 () 4

Educational services ...................................... 100 85 8 1 3 () 5

Elementary and secondary schools ........... 100 86 6 1 3 () 6

Junior colleges, colleges, and universities 100 84 15 – – 2

Health care and social assistance ................. 100 82 13 – – 2

Hospitals .................................................... 100 87 9––3

Public administration ......................................... 100 84 83–5

1 to 99 workers ...................................................... 100 82 94–5

1 to 49 workers .................................................. 100 78 –6–6

50 to 99 workers ................................................ 100 87 7––3

100 workers or more .............................................. 100 85 8 1 3 () 5

100 to 499 workers ............................................ 100 89 61–4

500 workers or more .......................................... 100 84 9 1 3 () 5

See footnotes at end of table.
Table 14. Medical care benefits, family coverage: Employee participation by type of contribution,

State and local government workers, National Compensation Survey, March 2009—Continued

(All workers with contributory coverage = 100 percent)

Characteristics

Family coverage

Total with

contributory

coverage

Flat dollar

amount Varies1 Flexiblebenefits2

Percent of

earnings

Exists, but

unknown

State government .................................................. 100 79 15 3 – –

Local government .................................................. 100 87 5 1 3 () 6

Geographic areas

New England ......................................................... 100 91 ––––

Middle Atlantic ....................................................... 100 73 19 – 1 7

East North Central ................................................. 100 85 11 – – 3

West North Central ................................................ 100 81 –––5

South Atlantic ........................................................ 100 97 1––2

East South Central ................................................ 100 89 ––––

West South Central ............................................... 100 85 –––6

Mountain ................................................................ 100 74 –5––

Pacific .................................................................... 100 75 14 4 – 6

Average monthly employer premium5 ................... $808.27 $794.69 $918.91 $848.99 $955.26 $833.76

1 Based on worker attributes. For example, employee contributions

may vary based on earnings, length of service, or age. 2 Amount varies by options selected under a "cafeteria plan" or

employer-sponsored reimbursement account. 3 Less than 0.5 percent. 4 The percentile groupings are based on the average wage for

each occupation surveyed, which may include workers both above and

below the threshold. The percentile values are based on the estimates

published in the "National Compensation Survey: Occupational

Earnings in the United States, 2008." See Technical Note for more

details. 5 Average premium is for all workers.

NOTE: Because of rounding, sums of individual items may not equal

totals. Dash indicates no workers in this category or data did not meet

publication criteria. For definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 14. Standard errors for medical care benefits, family coverage: Employee participation by

type of contribution, State and local government workers, National Compensation Survey, March

2009

Characteristics

Family coverage

Total with

contributory

coverage

Flat dollar

amount Varies1 Flexiblebenefits2

Percent of

earnings

Exists, but

unknown

All workers ............................................................. 0.0 1.0 0.8 0.3 3 ( ) 0.6

Worker characteristics

Management, professional, and related ................ 0.0 1.3 1.0 0.4 3 ( ) 0.8

Professional and related .................................... 0.0 1.2 1.0 0.4 3 ( ) 0.8

Teachers ........................................................ 0.0 1.5 0.9 0.5 – 1.1

Primary, secondary, and special education

school teachers ........................................ 0.0 1.7 1.0 0.7 – 1.4

Registered nurses ......................................... 0.0 3.7 3.2 – – 1.5

Service ................................................................... 0.0 1.4 1.2 0.2 – 0.8

Protective service .............................................. 0.0 2.3 1.9 – – 1.1

Sales and office ..................................................... 0.0 1.3 0.9 0.8 – 0.8

Office and administrative support ...................... 0.0 1.3 0.9 0.5 – 0.8

Natural resources, construction, and maintenance 0.0 2.1 1.9 0.5 – 1.2

Production, transportation, and material moving ... 0.0 2.3 1.4 – – 1.7

Full time ................................................................. 0.0 1.0 0.8 0.4 3 ( ) 0.6

Part time ................................................................ 0.0 3.6 1.7 0.4 – –

Union ..................................................................... 0.0 1.3 0.9 – – 1.1

Nonunion ............................................................... 0.0 1.3 1.2 0.5 – 0.5

Wage percentiles:4

Lowest 10 percent ............................................. 0.0 2.3 1.3 – – 1.9

Lowest 25 percent ............................................. 0.0 1.7 1.2 0.9 3 ( ) 0.9

Second 25 percent ............................................ 0.0 1.4 1.3 0.3 – 0.5

Third 25 percent ................................................ 0.0 1.3 0.8 0.3 – 0.9

Highest 25 percent ............................................ 0.0 1.3 1.0 0.6 – 0.9

Highest 10 percent ............................................ 0.0 1.7 1.4 0.2 – 0.7

Establishment characteristics

Service-providing industries .................................. 0.0 1.0 0.8 0.3 3 ( ) 0.6

Education and health services ........................... 0.0 1.4 1.0 0.3 3 ( ) 1.0

Educational services ...................................... 0.0 1.5 0.9 0.3 3 ( ) 1.1

Elementary and secondary schools ........... 0.0 1.8 1.0 0.4 3 ( ) 1.5

Junior colleges, colleges, and universities 0.0 2.5 2.3 – – 0.7

Health care and social assistance ................. 0.0 2.8 2.6 – – 0.7

Hospitals .................................................... 0.0 3.0 2.7 – – 1.2

Public administration ......................................... 0.0 2.0 1.3 0.7 – 1.0

1 to 99 workers ...................................................... 0.0 2.9 2.5 1.4 – 1.4

1 to 49 workers .................................................. 0.0 4.1 – 1.5 – 2.4

50 to 99 workers ................................................ 0.0 2.9 2.2 – – 1.1

100 workers or more .............................................. 0.0 0.9 0.7 0.3 3 ( ) 0.8

100 to 499 workers ............................................ 0.0 1.9 1.6 0.4 – 1.0

500 workers or more .......................................... 0.0 1.2 0.8 0.4 3 ( ) 0.9

See footnotes at end of table.
Table 14. Standard errors for medical care benefits, family coverage: Employee participation by

type of contribution, State and local government workers, National Compensation Survey, March

2009—Continued

Characteristics

Family coverage

Total with

contributory

coverage

Flat dollar

amount Varies1 Flexiblebenefits2

Percent of

earnings

Exists, but

unknown

State government .................................................. 0.0 2.5 2.1 0.9 – –

Local government .................................................. 0.0 0.9 0.7 0.3 3 ( ) 0.9

Geographic areas

New England ......................................................... 0.0 3.0 ––––

Middle Atlantic ....................................................... 0.0 3.3 2.3 – 0.1 1.7

East North Central ................................................. 0.0 2.7 1.8 – – 1.6

West North Central ................................................ 0.0 4.7 – – – 1.9

South Atlantic ........................................................ 0.0 0.8 0.2 – – 0.6

East South Central ................................................ 0.0 4.3 ––––

West South Central ............................................... 0.0 3.4 – – – 1.9

Mountain ................................................................ 0.0 4.3 – 0.3 – –

Pacific .................................................................... 0.0 2.0 2.0 0.4 – 1.5

Average monthly employer premium5 ................... $13.02 $15.07 $26.74 $43.06 $8.55 $52.54

1 Based on worker attributes. For example, employee contributions

may vary based on earnings, length of service, or age. 2 Amount varies by options selected under a "cafeteria plan" or

employer-sponsored reimbursement account. 3 Less than 0.05. 4 The percentile groupings are based on the average wage for

each occupation surveyed, which may include workers both above and

below the threshold. The percentile values are based on the estimates

published in the "National Compensation Survey: Occupational

Earnings in the United States, 2008." See Technical Note for more

details. 5 Average premium is for all workers.

NOTE: Dash indicates no workers in this category or data did not meet

publication criteria. For definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 15. Medical care benefits: Employee contributions for single and family coverage, State and local government

workers, National Compensation Survey, March 2009

(Includes workers participating in medical care benefits with flat dollar amount contributory coverage)

Characteristics

Single coverage1 Family coverage1

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. $18.00 $35.00 $60.00 $94.99 $151.00 $79.13 $162.99 $292.90 $489.44 $661.00

Worker characteristics

Management, professional, and related ................ 18.00 38.66 64.21 104.14 165.74 86.03 176.57 312.85 509.92 725.70

Professional and related .................................... 18.00 38.40 67.31 110.10 171.46 85.21 179.49 321.42 517.00 751.59

Teachers ........................................................ 18.00 37.39 71.83 116.15 190.26 79.09 176.57 365.19 563.00 815.04

Primary, secondary, and special education

school teachers ........................................ 19.00 38.66 75.15 125.00 195.00 90.94 187.13 417.00 589.19 852.00

Registered nurses ......................................... 23.77 41.18 60.56 105.09 146.55 86.66 169.26 235.78 398.60 536.54

Service ................................................................... 19.96 35.49 55.68 87.45 138.16 78.83 158.59 266.99 430.00 584.48

Protective service .............................................. 22.73 34.71 54.16 80.79 124.00 78.00 143.08 234.00 357.00 514.52

Sales and office ..................................................... 15.75 30.00 52.27 90.00 139.20 78.00 149.90 258.80 453.31 584.26

Office and administrative support ...................... 15.94 30.00 52.00 92.15 140.00 78.00 149.90 253.48 453.31 581.00

Natural resources, construction, and maintenance 16.88 29.00 54.07 88.57 141.42 61.10 149.32 239.00 431.80 563.00

Production, transportation, and material moving ... 18.18 33.09 55.56 84.12 143.10 84.58 137.86 255.80 457.30 643.68

Full time ................................................................. 18.00 34.86 60.00 94.02 149.03 80.38 166.10 294.58 489.44 661.00

Part time ................................................................ 24.22 41.00 59.49 114.82 184.00 63.75 132.87 255.80 474.79 696.23

Union ..................................................................... 19.85 35.00 57.20 96.63 166.30 60.00 122.97 213.27 402.46 733.26

Nonunion ............................................................... 18.00 35.00 61.29 93.46 143.40 115.89 195.67 343.95 503.53 629.70

Establishment characteristics

Service-providing industries .................................. 18.00 35.00 60.00 95.00 152.93 79.13 163.35 293.46 489.44 661.00

Education and health services ........................... 17.87 36.35 65.66 107.03 174.00 86.33 180.00 338.62 537.02 756.00

Educational services ...................................... 17.36 34.61 67.31 110.98 182.11 80.36 180.00 356.00 559.20 785.50

Elementary and secondary schools ........... 17.70 36.00 72.00 123.50 195.81 87.38 187.79 430.00 589.19 845.57

Junior colleges, colleges, and universities 15.75 30.00 54.07 76.46 121.76 76.42 174.72 258.80 489.44 563.00

Health care and social assistance ................. 22.95 48.40 64.00 98.06 135.90 110.00 175.25 275.33 400.50 517.00

Hospitals .................................................... 26.00 43.33 59.49 101.53 135.97 93.41 177.28 284.33 393.58 517.00

Public administration ......................................... 20.10 33.26 52.36 84.72 127.50 78.00 144.00 220.91 352.67 506.00

1 to 99 workers ...................................................... 24.22 41.00 61.10 91.37 146.38 82.00 158.85 294.58 457.00 629.70

1 to 49 workers .................................................. 16.88 38.47 60.51 90.12 146.38 82.00 166.51 301.66 489.44 595.52

50 to 99 workers ................................................ 25.73 45.00 63.58 91.37 141.64 82.00 153.98 289.76 425.00 634.00

100 workers or more .............................................. 18.00 34.66 59.49 96.50 153.00 79.09 163.90 292.76 489.44 661.77

100 to 499 workers ............................................ 20.00 37.00 64.00 100.00 148.80 74.38 150.00 292.76 489.44 661.00

500 workers or more .......................................... 17.73 33.47 58.00 94.99 155.02 82.52 167.03 292.90 489.44 662.20

State government .................................................. 23.30 44.00 55.68 86.85 123.00 89.79 164.92 228.70 363.47 517.00

Local government .................................................. 17.00 32.46 60.66 103.95 168.74 78.83 162.83 311.48 515.60 736.94

See footnotes at end of table.
Table 15. Medical care benefits: Employee contributions for single and family coverage, State and local government

workers, National Compensation Survey, March 2009—Continued

(Includes workers participating in medical care benefits with flat dollar amount contributory coverage)

Characteristics

Single coverage1 Family coverage1

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic areas

New England ......................................................... $27.21 $50.68 $76.46 $141.45 $169.24 $78.43 $161.68 $213.27 $357.00 $494.68

Middle Atlantic ....................................................... 21.23 35.17 48.80 72.32 130.57 40.00 95.54 213.27 247.62 406.13

East North Central ................................................. 20.00 31.00 50.54 79.16 127.86 53.93 78.00 143.08 275.72 431.80

West North Central ................................................ 17.00 42.00 69.65 110.10 195.00 120.00 192.60 333.72 526.15 785.50

South Atlantic ........................................................ 21.67 43.98 59.45 91.47 129.29 134.19 180.00 294.58 489.44 629.70

East South Central ................................................ 18.00 23.00 54.07 93.26 171.11 150.00 216.25 473.46 545.35 581.00

West South Central ............................................... 25.00 47.06 86.00 129.00 208.03 270.90 343.98 438.13 606.16 817.00

Mountain ................................................................ 10.00 20.78 33.47 86.46 207.14 79.09 150.00 273.20 514.52 774.83

Pacific .................................................................... 15.75 27.30 65.81 105.52 161.24 63.75 114.90 243.06 380.69 719.86

1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each

published series. For example, at the 50th percentile or median, half of participating

workers pay the same as or more than the premium shown, and half pay the same as or

less than the premium shown. At the 25th percentile, one-fourth of participating workers

pay the same or less than the premium shown. The remaining percentiles follow the same

logic.

NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 15. Standard errors for medical care benefits: Employee contributions for single and family coverage, State and

local government workers, National Compensation Survey, March 2009

Characteristics

Single coverage1 Family coverage1

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. $0.49 $2.21 $2.79 $3.23 $7.57 $3.58 $7.23 $11.43 $9.57 $24.72

Worker characteristics

Management, professional, and related ................ 1.15 3.49 4.17 5.16 7.65 7.99 7.27 12.24 17.25 31.96

Professional and related .................................... 0.83 3.37 4.97 6.97 6.43 8.70 6.85 13.70 13.91 36.36

Teachers ........................................................ 1.30 3.34 4.41 6.54 10.93 6.61 12.20 45.79 11.43 35.73

Primary, secondary, and special education

school teachers ........................................ 1.86 3.63 3.83 6.96 6.79 6.59 17.11 19.80 20.70 51.13

Registered nurses ......................................... 7.10 8.38 10.14 15.46 10.06 12.73 25.07 47.06 37.61 40.11

Service ................................................................... 0.98 3.16 3.73 4.59 7.59 3.10 13.98 13.52 25.70 7.65

Protective service .............................................. 2.14 4.63 4.44 4.43 13.64 2.55 7.87 17.48 16.78 30.26

Sales and office ..................................................... 1.10 0.93 1.62 3.92 6.92 2.44 3.65 17.34 43.63 16.57

Office and administrative support ...................... 1.24 0.86 1.54 4.37 7.18 5.63 6.44 18.36 42.22 14.77

Natural resources, construction, and maintenance 1.97 1.80 3.40 4.56 8.45 11.07 11.42 17.11 33.57 22.68

Production, transportation, and material moving ... 2.64 2.32 5.28 2.81 7.67 14.14 13.87 27.68 51.20 53.78

Full time ................................................................. 0.56 2.24 2.83 2.79 7.52 4.12 7.43 11.03 9.22 27.70

Part time ................................................................ 3.45 3.44 7.12 17.60 26.27 7.53 11.60 49.14 57.87 41.66

Union ..................................................................... 1.20 2.15 4.02 4.21 8.51 3.30 8.75 1.09 17.20 49.65

Nonunion ............................................................... 1.51 3.62 3.98 4.46 4.51 15.37 12.51 19.92 22.71 28.52

Establishment characteristics

Service-providing industries .................................. 0.56 2.24 2.78 3.33 7.43 3.62 7.27 11.45 10.07 25.11

Education and health services ........................... 1.39 2.97 5.25 5.93 7.45 7.95 6.05 20.27 18.32 38.56

Educational services ...................................... 1.52 2.97 6.48 7.84 10.09 7.76 9.71 47.98 14.84 38.54

Elementary and secondary schools ........... 1.04 2.61 3.44 6.76 9.08 5.06 12.84 15.82 21.56 58.88

Junior colleges, colleges, and universities 4.43 5.50 7.75 5.53 15.68 11.83 21.15 55.36 93.97 24.38

Health care and social assistance ................. 7.05 4.45 5.16 7.83 8.71 17.23 15.56 34.09 11.95 56.90

Hospitals .................................................... 9.18 5.17 3.51 9.66 13.96 17.16 22.13 28.81 27.39 53.82

Public administration ......................................... 1.10 3.16 1.36 4.00 7.21 4.59 5.17 12.54 13.36 18.16

1 to 99 workers ...................................................... 2.72 5.71 4.16 3.98 9.08 8.01 13.34 30.37 30.56 36.75

1 to 49 workers .................................................. 6.77 9.27 9.50 4.97 15.92 13.05 20.11 69.41 38.65 65.52

50 to 99 workers ................................................ 3.62 10.44 5.32 7.54 10.77 11.00 11.30 32.23 31.78 53.17

100 workers or more .............................................. 0.56 2.30 2.85 4.09 7.73 3.70 8.57 12.27 13.68 27.27

100 to 499 workers ............................................ 2.14 3.21 6.66 5.91 14.12 17.13 17.78 24.11 43.08 34.20

500 workers or more .......................................... 0.99 2.42 2.79 3.73 9.89 6.15 9.82 14.94 11.94 52.10

State government .................................................. 7.24 5.80 6.06 7.08 4.25 35.49 15.37 18.71 58.07 36.80

Local government .................................................. 0.60 1.90 2.13 4.81 6.63 4.38 8.21 13.40 11.30 32.12

See footnotes at end of table.
Table 15. Standard errors for medical care benefits: Employee contributions for single and family coverage, State and

local government workers, National Compensation Survey, March 2009—Continued

Characteristics

Single coverage1 Family coverage1

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic areas

New England ......................................................... $2.59 $4.88 $2.06 $23.54 $9.06 $18.02 $9.25 $19.32 $23.46 $37.56

Middle Atlantic ....................................................... 3.74 5.55 0.00 0.66 48.78 9.35 24.90 5.25 20.23 31.75

East North Central ................................................. 8.01 0.46 3.54 7.83 7.56 5.08 3.43 4.15 56.96 46.73

West North Central ................................................ 2.27 8.56 9.71 7.81 51.47 32.73 39.87 34.52 59.64 58.56

South Atlantic ........................................................ 2.84 2.11 5.05 5.03 7.72 11.71 3.60 11.79 0.00 59.20

East South Central ................................................ 0.31 6.66 7.97 13.77 47.77 28.54 59.14 116.26 37.59 14.58

West South Central ............................................... 6.09 5.33 5.71 7.10 35.14 45.24 7.72 13.57 40.93 87.51

Mountain ................................................................ 0.35 2.79 7.36 5.24 77.00 7.42 4.18 34.64 65.56 54.55

Pacific .................................................................... 1.19 2.90 4.59 6.12 13.38 9.51 11.36 12.29 29.54 87.80

1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each

published series. For example, at the 50th percentile or median, half of participating

workers pay the same as or more than the premium shown, and half pay the same as or

less than the premium shown. At the 25th percentile, one-fourth of participating workers

pay the same or less than the premium shown. The remaining percentiles follow the same

logic.

NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 State and local government workers, National

Compensation Survey, March 2009

(All workers = 100 percent)

Characteristics

Life insurance Short-term disabilty Long-term disability

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

All workers ............................................................. 80 78 97 23 23 97 35 34 96

Worker characteristics

Management, professional, and related ................ 80 78 97 22 21 96 38 36 96

Professional and related .................................... 80 77 97 20 19 96 37 36 96

Teachers ........................................................ 79 77 97 18 17 95 37 36 96

Primary, secondary, and special education

school teachers ........................................ 83 81 98 15 14 93 39 38 97

Registered nurses ......................................... 83 81 97 20 18 92 48 47 97

Service ................................................................... 75 73 97 23 22 97 28 26 95

Protective service .............................................. 85 83 98 23 22 98 27 26 94

Sales and office ..................................................... 81 79 97 26 25 98 35 34 97

Office and administrative support ...................... 81 79 98 26 26 98 35 34 97

Natural resources, construction, and maintenance 90 89 99 30 29 97 41 40 98

Production, transportation, and material moving ... 77 76 98 22 22 99 29 27 96

Full time ................................................................. 90 88 98 25 25 97 39 38 96

Part time ................................................................ 24 22 95 11 11 99 13 12 96

Union ..................................................................... 87 85 98 28 27 96 34 33 97

Nonunion ............................................................... 74 71 97 19 19 97 36 34 96

Wage percentiles:2

Lowest 10 percent ............................................. 43 41 95 12 12 97 18 18 98

Lowest 25 percent ............................................. 61 59 97 18 17 97 27 26 96

Second 25 percent ............................................ 84 81 97 27 26 97 33 32 96

Third 25 percent ................................................ 86 84 98 25 24 97 41 40 97

Highest 25 percent ............................................ 89 87 98 24 23 97 40 38 96

Highest 10 percent ............................................ 90 87 97 28 28 99 38 37 98

Establishment characteristics

Service-providing industries .................................. 80 77 97 23 22 97 35 34 96

Education and health services ........................... 79 77 97 20 19 95 37 35 96

Educational services ...................................... 79 77 97 19 18 95 36 34 96

Elementary and secondary schools ........... 78 76 98 18 17 95 35 34 97

Junior colleges, colleges, and universities 82 77 94 21 20 97 37 35 93

Health care and social assistance ................. 83 80 97 28 26 93 44 43 98

Hospitals .................................................... 89 86 96 27 24 91 49 48 98

Public administration ......................................... 82 80 98 28 27 99 31 30 95

1 to 99 workers ...................................................... 65 63 97 20 20 99 34 33 97

1 to 49 workers .................................................. 62 61 98 22 22 99 27 27 99

50 to 99 workers ................................................ 69 66 96 17 17 100 44 42 95

100 workers or more .............................................. 82 80 97 24 23 97 35 34 96

100 to 499 workers ............................................ 73 71 98 17 17 97 35 34 98

500 workers or more .......................................... 85 83 97 26 25 97 35 34 96

See footnotes at end of table.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 State and local government workers, National

Compensation Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics

Life insurance Short-term disabilty Long-term disability

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

State government .................................................. 86 82 95 28 27 98 35 33 94

Local government .................................................. 78 76 98 22 21 97 35 34 97

Geographic areas

New England ......................................................... 72 69 96 10 10 100 17 16 96

Middle Atlantic ....................................................... 85 84 99 40 39 100 17 17 98

East North Central ................................................. 78 75 96 23 23 98 51 50 97

West North Central ................................................ 77 77 99 11 11 98 55 55 99

South Atlantic ........................................................ 84 81 96 27 24 90 44 41 93

East South Central ................................................ 79 74 93 – – – 20 20 96

West South Central ............................................... 76 75 99 10 10 99 17 16 94

Mountain ................................................................ 83 82 98 21 21 100 62 59 95

Pacific .................................................................... 77 76 99 34 34 100 31 31 99

1 The take-up rate is an estimate of the percentage of workers with access to a plan

who participate in the plan, rounded for presentation. See Technical Note for more details. 2 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria.

For definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 16. Standard errors for insurance benefits: Access, participation, and take-up rates,1 State and local government

workers, National Compensation Survey, March 2009

Characteristics

Life insurance Short-term disabilty Long-term disability

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

All workers ............................................................. 1.1 1.1 0.4 1.1 1.0 1.5 1.7 1.6 0.7

Worker characteristics

Management, professional, and related ................ 1.1 1.2 0.4 1.2 1.1 1.7 1.7 1.6 0.8

Professional and related .................................... 1.1 1.1 0.4 1.1 1.0 1.8 1.7 1.7 0.9

Teachers ........................................................ 1.2 1.3 0.4 1.4 1.1 3.6 2.1 2.0 1.1

Primary, secondary, and special education

school teachers ........................................ 1.4 1.4 0.2 1.6 1.2 5.5 2.4 2.4 1.0

Registered nurses ......................................... 2.5 2.6 1.0 3.3 2.9 4.8 4.9 4.8 1.0

Service ................................................................... 1.7 1.6 0.5 1.5 1.4 1.3 1.6 1.6 1.3

Protective service .............................................. 1.6 1.6 0.5 2.5 2.3 1.3 2.3 2.1 1.5

Sales and office ..................................................... 2.1 2.1 0.6 2.0 2.0 1.1 2.6 2.6 0.6

Office and administrative support ...................... 2.1 2.0 0.6 1.9 1.8 1.1 2.6 2.6 0.6

Natural resources, construction, and maintenance 2.2 2.2 0.4 3.3 3.2 2.7 4.0 4.0 0.8

Production, transportation, and material moving ... 4.3 4.2 0.7 2.0 2.0 0.4 3.3 3.2 1.5

Full time ................................................................. 1.1 1.1 0.4 1.2 1.1 1.6 1.9 1.8 0.7

Part time ................................................................ 1.4 1.2 1.7 1.2 1.2 0.3 1.2 1.2 1.5

Union ..................................................................... 1.2 1.3 0.3 1.2 1.0 2.6 1.8 1.8 0.9

Nonunion ............................................................... 1.5 1.5 0.7 1.5 1.4 0.8 2.2 2.1 0.7

Wage percentiles:2

Lowest 10 percent ............................................. 2.7 2.5 1.3 1.7 1.6 1.9 2.5 2.5 0.9

Lowest 25 percent ............................................. 1.9 1.8 0.7 1.5 1.4 1.2 2.3 2.3 1.2

Second 25 percent ............................................ 1.5 1.5 0.7 1.7 1.7 1.4 2.3 2.3 0.9

Third 25 percent ................................................ 1.4 1.4 0.4 1.5 1.4 1.5 2.0 2.0 0.6

Highest 25 percent ............................................ 1.0 1.0 0.3 1.1 1.0 1.8 1.7 1.6 1.0

Highest 10 percent ............................................ 1.1 1.2 0.6 1.6 1.6 0.2 2.3 2.3 0.5

Establishment characteristics

Service-providing industries .................................. 1.1 1.1 0.4 1.1 1.0 1.5 1.7 1.6 0.7

Education and health services ........................... 1.1 1.1 0.6 1.3 1.0 2.7 2.0 2.0 0.9

Educational services ...................................... 1.2 1.1 0.6 1.4 1.1 3.2 2.0 2.0 1.1

Elementary and secondary schools ........... 1.3 1.3 0.2 1.6 1.2 4.3 2.0 1.9 1.2

Junior colleges, colleges, and universities 2.0 2.0 2.2 2.7 2.6 1.6 5.1 4.8 1.9

Health care and social assistance ................. 2.3 2.4 0.9 3.1 2.7 3.2 4.2 4.2 0.5

Hospitals .................................................... 1.5 1.9 1.2 4.3 3.7 5.1 5.6 5.5 0.6

Public administration ......................................... 1.9 1.8 0.5 1.8 1.7 0.5 1.8 1.8 0.9

1 to 99 workers ...................................................... 2.9 3.0 0.8 2.5 2.5 0.4 3.7 3.8 1.0

1 to 49 workers .................................................. 4.3 4.4 0.9 3.8 3.7 0.6 4.5 4.5 0.7

50 to 99 workers ................................................ 4.1 4.0 1.1 3.5 3.5 0.0 4.3 4.4 2.0

100 workers or more .............................................. 1.0 1.0 0.5 1.1 1.0 1.6 1.7 1.7 0.8

100 to 499 workers ............................................ 2.2 2.3 0.4 1.6 1.5 1.1 2.7 2.7 0.5

500 workers or more .......................................... 1.0 0.9 0.6 1.3 1.1 2.0 1.8 1.8 1.0

See footnotes at end of table.
Table 16. Standard errors for insurance benefits: Access, participation, and take-up rates,1 State and local government

workers, National Compensation Survey, March 2009—Continued

Characteristics

Life insurance Short-term disabilty Long-term disability

Access Participation Take-up

rate Access Participation Take-uprate Access Participation Take-uprate

State government .................................................. 2.3 2.2 1.3 2.5 2.5 0.7 3.4 3.3 1.2

Local government .................................................. 1.2 1.2 0.2 1.0 0.9 2.1 1.6 1.6 0.8

Geographic areas

New England ......................................................... 2.4 2.4 0.7 1.0 1.0 0.0 3.6 3.2 1.8

Middle Atlantic ....................................................... 1.5 1.6 0.2 2.5 2.5 0.2 1.8 1.7 0.6

East North Central ................................................. 2.1 2.3 1.4 1.6 1.6 0.6 2.8 2.8 1.3

West North Central ................................................ 3.9 4.1 0.4 2.9 2.9 3.9 9.1 9.4 0.7

South Atlantic ........................................................ 2.6 2.5 0.9 3.7 3.1 6.1 4.7 4.4 2.1

East South Central ................................................ 7.1 6.0 3.7 – – – 5.9 5.6 3.0

West South Central ............................................... 3.1 3.3 0.5 1.5 1.5 0.5 2.2 2.2 1.7

Mountain ................................................................ 2.3 3.0 1.2 5.7 5.7 0.0 9.1 9.7 3.1

Pacific .................................................................... 2.7 2.7 0.4 2.0 2.0 0.2 1.7 1.7 0.4

1 The take-up rate is an estimate of the percentage of workers with access to a plan

who participate in the plan, rounded for presentation. See Technical Note for more details. 2 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria.

For definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 17. Life insurance plans: Employee contribution

requirement, State and local government workers, National

Compensation Survey, March 2009

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

Characteristics

Employee

contribution not

required

Employee

contribution

required

All workers ............................................................. 89 11

Worker characteristics

Management, professional, and related ................ 89 11

Professional and related .................................... 89 11

Teachers ........................................................ 90 10

Primary, secondary, and special education

school teachers ........................................ 90 10

Service ................................................................... 88 12

Protective service .............................................. 89 11

Sales and office ..................................................... 90 10

Office and administrative support ...................... 90 10

Natural resources, construction, and maintenance 92 8

Production, transportation, and material moving ... 93 7

Full time ................................................................. 89 11

Part time ................................................................ 92 8

Union ..................................................................... 92 8

Nonunion ............................................................... 87 13

Wage percentiles:1

Lowest 25 percent ............................................. 88 12

Second 25 percent ............................................ 89 11

Third 25 percent ................................................ 90 10

Highest 25 percent ............................................ 90 10

Highest 10 percent ............................................ 87 13

Establishment characteristics

Service-providing industries .................................. 89 11

Education and health services ........................... 89 11

Educational services ...................................... 90 10

Elementary and secondary schools ........... 91 9

Health care and social assistance ................. 87 13

Hospitals .................................................... 89 11

Public administration ......................................... 89 11

1 to 99 workers ...................................................... 91 9

1 to 49 workers .................................................. 91 9

50 to 99 workers ................................................ 91 9

100 workers or more .............................................. 89 11

100 to 499 workers ............................................ 89 11

500 workers or more .......................................... 89 11

See footnotes at end of table.
Table 17. Life insurance plans: Employee contribution

requirement, State and local government workers, National

Compensation Survey, March 2009—Continued

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

Characteristics

Employee

contribution not

required

Employee

contribution

required

State government .................................................. 83 17

Local government .................................................. 92 8

Geographic areas

New England ......................................................... 70 30

Middle Atlantic ....................................................... 93 7

East North Central ................................................. 86 14

West North Central ................................................ 95 5

South Atlantic ........................................................ 88 12

West South Central ............................................... 94 6

Mountain ................................................................ 94 6

Pacific .................................................................... 99 1

1 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and

below the threshold. The percentile values are

based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: Because of rounding, sums of individual

items may not equal totals. For definitions of

major plans, key provisions, and related terms,

see the "Glossary of Employee Benefit Terms"

at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 17. Standard errors for life insurance plans: Employee

contribution requirement, State and local government workers,

National Compensation Survey, March 2009

Characteristics

Employee

contribution not

required

Employee

contribution

required

All workers ............................................................. 1.5 1.5

Worker characteristics

Management, professional, and related ................ 1.6 1.6

Professional and related .................................... 1.5 1.5

Teachers ........................................................ 1.3 1.3

Primary, secondary, and special education

school teachers ........................................ 1.1 1.1

Service ................................................................... 1.7 1.7

Protective service .............................................. 1.8 1.8

Sales and office ..................................................... 1.8 1.8

Office and administrative support ...................... 1.9 1.9

Natural resources, construction, and maintenance 1.8 1.8

Production, transportation, and material moving ... 1.6 1.6

Full time ................................................................. 1.5 1.5

Part time ................................................................ 1.8 1.8

Union ..................................................................... 0.7 0.7

Nonunion ............................................................... 2.7 2.7

Wage percentiles:1

Lowest 25 percent ............................................. 3.0 3.0

Second 25 percent ............................................ 1.8 1.8

Third 25 percent ................................................ 1.4 1.4

Highest 25 percent ............................................ 1.0 1.0

Highest 10 percent ............................................ 1.7 1.7

Establishment characteristics

Service-providing industries .................................. 1.5 1.5

Education and health services ........................... 2.0 2.0

Educational services ...................................... 2.1 2.1

Elementary and secondary schools ........... 1.4 1.4

Health care and social assistance ................. 2.5 2.5

Hospitals .................................................... 3.0 3.0

Public administration ......................................... 1.6 1.6

1 to 99 workers ...................................................... 1.7 1.7

1 to 49 workers .................................................. 2.0 2.0

50 to 99 workers ................................................ 2.5 2.5

100 workers or more .............................................. 1.6 1.6

100 to 499 workers ............................................ 2.3 2.3

500 workers or more .......................................... 1.8 1.8

See footnotes at end of table.
Table 17. Standard errors for life insurance plans: Employee

contribution requirement, State and local government workers,

National Compensation Survey, March 2009—Continued

Characteristics

Employee

contribution not

required

Employee

contribution

required

State government .................................................. 3.9 3.9

Local government .................................................. 0.9 0.9

Geographic areas

New England ......................................................... 5.7 5.7

Middle Atlantic ....................................................... 0.8 0.8

East North Central ................................................. 3.2 3.2

West North Central ................................................ 1.9 1.9

South Atlantic ........................................................ 2.3 2.3

West South Central ............................................... 1.9 1.9

Mountain ................................................................ 2.3 2.3

Pacific .................................................................... 0.4 0.4

1 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and

below the threshold. The percentile values are

based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 18. Life insurance plans: Method of benefit payment, State and local government

workers, National Compensation Survey, March 2009

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

Characteristics

Basic life insurance method of payment

Fixed

multiple of

earnings

Variable

multiple of

earnings

Flat dollar

amount

Variable

dollar

amount

Other

All workers ............................................................. 38 2 52 6 2

Worker characteristics

Management, professional, and related ................ 37 2 55 5 2

Professional and related .................................... 36 2 56 5 1

Teachers ........................................................ 32 1 60 5 1

Primary, secondary, and special education

school teachers ........................................ 30 1 63 5 1

Registered nurses ......................................... 53 – 42 – –

Service ................................................................... 39 2 50 6 2

Protective service .............................................. 38 3 49 7 3

Sales and office ..................................................... 40 2 50 7 2

Office and administrative support ...................... 40 2 50 6 2

Natural resources, construction, and maintenance 42 2 49 6 –

Production, transportation, and material moving ... 35 2 50 – –

Full time ................................................................. 38 2 52 6 2

Part time ................................................................ 33 2 61 3 2

Union ..................................................................... 32 1 58 8 1

Nonunion ............................................................... 45 2 47 4 3

Wage percentiles:1

Lowest 10 percent ............................................. 46 – 51 2 1

Lowest 25 percent ............................................. 40 1 53 5 2

Second 25 percent ............................................ 41 2 48 6 3

Third 25 percent ................................................ 41 2 47 8 2

Highest 25 percent ............................................ 33 2 59 5 1

Highest 10 percent ............................................ 35 2 58 4 1

Establishment characteristics

Service-providing industries .................................. 38 2 53 6 2

Education and health services ........................... 37 1 56 5 1

Educational services ...................................... 34 1 58 5 1

Elementary and secondary schools ........... 30 1 63 5 1

Junior colleges, colleges, and universities 49 3 39 6 3

Health care and social assistance ................. 54 – 42 3 –

Hospitals .................................................... 55 – 42 – –

Public administration ......................................... 39 3 49 7 2

1 to 99 workers ...................................................... 36 1 56 3 4

1 to 49 workers .................................................. 33 – 54 6 7

50 to 99 workers ................................................ 40 – 58 – –

100 workers or more .............................................. 38 2 52 6 2

100 to 499 workers ............................................ 41 1 55 2 –

500 workers or more .......................................... 37 2 51 7 2

See footnotes at end of table.
Table 18. Life insurance plans: Method of benefit payment, State and local government

workers, National Compensation Survey, March 2009—Continued

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

Characteristics

Basic life insurance method of payment

Fixed

multiple of

earnings

Variable

multiple of

earnings

Flat dollar

amount

Variable

dollar

amount

Other

State government .................................................. 47 2 42 5 4

Local government .................................................. 35 2 56 6 1

Geographic areas

New England ......................................................... 20 – 68 – –

Middle Atlantic ....................................................... 37 1 48 13 –

East North Central ................................................. 44 – 51 4 –

West North Central ................................................ 44 – 48 7 –

South Atlantic ........................................................ 59 2 25 7 7

East South Central ................................................ 55 ––––

West South Central ............................................... 23 – 74 – –

Mountain ................................................................ 33 – 62 – –

Pacific .................................................................... 14 3 79 3 –

1 The percentile groupings are based on the average wage

for each occupation surveyed, which may include workers both

above and below the threshold. The percentile values are

based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not

equal totals. Dash indicates no workers in this category or data

did not meet publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 18. Standard errors for life insurance plans: Method of benefit payment, State

and local government workers, National Compensation Survey, March 2009

Characteristics

Basic life insurance method of payment

Fixed

multiple of

earnings

Variable

multiple of

earnings

Flat dollar

amount

Variable

dollar

amount

Other

All workers ............................................................. 2.1 0.3 1.9 0.7 0.3

Worker characteristics

Management, professional, and related ................ 2.3 0.4 2.1 0.8 0.4

Professional and related .................................... 2.3 0.4 2.2 0.8 0.3

Teachers ........................................................ 2.4 0.4 2.4 1.0 0.2

Primary, secondary, and special education

school teachers ........................................ 2.5 0.4 2.6 1.2 0.3

Registered nurses ......................................... 4.7 – 4.5 – –

Service ................................................................... 2.4 0.5 2.3 1.0 0.4

Protective service .............................................. 3.4 0.8 3.3 1.7 0.8

Sales and office ..................................................... 2.6 0.5 2.3 1.4 0.5

Office and administrative support ...................... 2.5 0.5 2.3 1.2 0.4

Natural resources, construction, and maintenance 3.6 0.5 3.2 1.8 –

Production, transportation, and material moving ... 3.7 0.9 4.5 – –

Full time ................................................................. 2.1 0.3 1.9 0.7 0.3

Part time ................................................................ 4.0 0.8 3.8 0.9 0.7

Union ..................................................................... 1.8 0.2 1.6 0.8 0.2

Nonunion ............................................................... 3.2 0.5 2.9 1.1 0.5

Wage percentiles:1

Lowest 10 percent ............................................. 4.1 – 4.3 0.7 0.5

Lowest 25 percent ............................................. 3.3 0.3 3.2 1.1 0.6

Second 25 percent ............................................ 2.6 0.4 2.4 0.8 0.5

Third 25 percent ................................................ 2.7 0.6 2.3 1.2 0.5

Highest 25 percent ............................................ 1.7 0.3 1.7 0.7 0.2

Highest 10 percent ............................................ 2.8 0.3 2.6 0.8 0.1

Establishment characteristics

Service-providing industries .................................. 2.1 0.3 1.9 0.7 0.3

Education and health services ........................... 2.4 0.4 2.4 0.9 0.2

Educational services ...................................... 2.7 0.4 2.6 1.0 0.2

Elementary and secondary schools ........... 2.4 0.3 2.4 1.2 0.3

Junior colleges, colleges, and universities 6.3 1.4 6.1 1.5 0.9

Health care and social assistance ................. 3.7 – 3.6 0.5 –

Hospitals .................................................... 4.6 – 4.4 – –

Public administration ......................................... 2.8 0.6 2.7 0.8 0.6

1 to 99 workers ...................................................... 4.0 0.1 4.4 1.3 1.7

1 to 49 workers .................................................. 5.1 – 5.9 2.2 3.0

50 to 99 workers ................................................ 5.0 – 4.9 – –

100 workers or more .............................................. 2.2 0.3 1.9 0.7 0.2

100 to 499 workers ............................................ 3.9 0.3 3.7 0.8 –

500 workers or more .......................................... 2.3 0.4 2.1 0.9 0.2

See footnotes at end of table.
Table 18. Standard errors for life insurance plans: Method of benefit payment, State

and local government workers, National Compensation Survey, March

2009—Continued

Characteristics

Basic life insurance method of payment

Fixed

multiple of

earnings

Variable

multiple of

earnings

Flat dollar

amount

Variable

dollar

amount

Other

State government .................................................. 4.3 0.8 4.0 1.2 0.8

Local government .................................................. 1.8 0.3 1.7 0.8 0.2

Geographic areas

New England ......................................................... 4.1 – 5.4 – –

Middle Atlantic ....................................................... 3.1 0.1 3.4 0.8 –

East North Central ................................................. 3.8 – 3.5 1.0 –

West North Central ................................................ 9.3 – 8.5 2.7 –

South Atlantic ........................................................ 5.4 0.7 3.8 2.8 1.3

East South Central ................................................ 11.7 ––––

West South Central ............................................... 3.1 – 3.0 – –

Mountain ................................................................ 6.2 – 8.3 – –

Pacific .................................................................... 1.7 0.8 1.8 1.1 –

1 The percentile groupings are based on the average wage

for each occupation surveyed, which may include workers both

above and below the threshold. The percentile values are

based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did

not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 19. Life insurance plans: Fixed multiple of earnings benefit formulas, State and local

government workers, National Compensation Survey, March 2009

(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)

Characteristics

Multiple of earnings amounts1

Mean

multiple of

earnings

Median

multiple of

earnings 1.0 times

earnings

Over 1.0

and under

2.0 times

earnings

2.0 times

earnings

Greater

than 2.0

times

earnings

All workers ............................................................. 46 24 25 6 1.5 1.5

Worker characteristics

Management, professional, and related ................ 42 – 26 – 1.5 1.5

Professional and related .................................... 43 – 26 – 1.5 1.5

Teachers ........................................................ 42 24 30 5 1.5 1.5

Primary, secondary, and special education

school teachers ........................................ 43 25 29 2 1.5 1.5

Registered nurses ......................................... 49 19 – – 1.5 –

Service ................................................................... 51 19 23 7 1.5 –

Protective service .............................................. 53 – 21 – 1.5 –

Sales and office ..................................................... 47 26 – – 1.4 1.5

Office and administrative support ...................... 47 27 – – 1.4 1.5

Natural resources, construction, and maintenance 56 19 19 5 1.4 1.0

Production, transportation, and material moving ... 41 – 28 – 1.5 1.5

Full time ................................................................. 46 24 25 5 1.5 1.5

Part time ................................................................ 47 23 – – 1.5 1.5

Union ..................................................................... 56 28 10 6 1.4 1.0

Nonunion ............................................................... 39 – 35 – 1.6 1.5

Wage percentiles:2

Lowest 10 percent ............................................. 35 27 – – 1.6 1.5

Lowest 25 percent ............................................. 46 24 28 2 1.5 1.5

Second 25 percent ............................................ 47 25 – – 1.4 1.5

Third 25 percent ................................................ 51 20 – – 1.4 –

Highest 25 percent ............................................ 39 27 24 9 1.6 1.5

Highest 10 percent ............................................ 35 26 – – 1.6 1.5

Establishment characteristics

Service-providing industries .................................. 46 24 25 6 1.5 1.5

Education and health services ........................... 43 – 29 – 1.5 1.5

Educational services ...................................... 40 – 33 – 1.5 1.5

Elementary and secondary schools ........... 40 25 32 2 1.5 1.5

Junior colleges, colleges, and universities 40 – 34 – 1.6 –

Health care and social assistance ................. 56 19 – – 1.5 –

Hospitals .................................................... 63 13 – – 1.5 1.0

Public administration ......................................... 53 24 17 6 1.4 1.0

1 to 99 workers ...................................................... 47 35 15 4 1.4 –

1 to 49 workers .................................................. 39 33 – – 1.5 1.5

50 to 99 workers ................................................ 57 36 6 – 1.3 1.0

100 workers or more .............................................. 46 23 26 6 1.5 1.5

100 to 499 workers ............................................ 43 26 23 9 1.5 1.5

500 workers or more .......................................... 46 – 27 – 1.5 1.5

See footnotes at end of table.
Table 19. Life insurance plans: Fixed multiple of earnings benefit formulas, State and local

government workers, National Compensation Survey, March 2009—Continued

(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)

Characteristics

Multiple of earnings amounts1

Mean

multiple of

earnings

Median

multiple of

earnings 1.0 times

earnings

Over 1.0

and under

2.0 times

earnings

2.0 times

earnings

Greater

than 2.0

times

earnings

State government .................................................. 41 25 – – 1.6 1.5

Local government .................................................. 48 23 25 4 1.4 1.5

Geographic areas

New England ......................................................... 49 32 – – 1.5 –

Middle Atlantic ....................................................... 28 50 8 14 1.6 1.5

East North Central ................................................. 65 11 – – 1.3 1.0

West North Central ................................................ 34 – 15 – 1.6 1.5

South Atlantic ........................................................ 45 – 33 – 1.5 1.5

East South Central ................................................ – – 58 – 1.6 2.0

West South Central ............................................... 43 32 – – 1.4 1.5

Mountain ................................................................ 64 – – – 1.3 1.0

Pacific .................................................................... 69 – – 2 1.2 1.0

1 Includes participants in plans in which insurance equaled a

multiple of earnings plus or minus a specified amount. Includes multiple

of earnings not shown separately. 2 The percentile groupings are based on the average wage for

each occupation surveyed, which may include workers both above and

below the threshold. The percentile values are based on the estimates

published in the "National Compensation Survey: Occupational

Earnings in the United States, 2008." See Technical Note for more

details.

NOTE: Because of rounding, sums of individual items may not equal

totals. Dash indicates no workers in this category or data did not meet

publication criteria. For definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 19. Standard errors for life insurance plans: Fixed multiple of earnings benefit formulas,

State and local government workers, National Compensation Survey, March 2009

Characteristics

Multiple of earnings amounts1

Mean

multiple of

earnings

Median

multiple of

earnings 1.0 times

earnings

Over 1.0

and under

2.0 times

earnings

2.0 times

earnings

Greater

than 2.0

times

earnings

All workers ............................................................. 3.3 2.4 3.4 2.3 0.0 0.1

Worker characteristics

Management, professional, and related ................ 4.0 – 3.5 – 0.1 0.0

Professional and related .................................... 4.1 – 3.6 – 0.1 0.0

Teachers ........................................................ 4.8 2.9 4.5 2.1 0.1 0.0

Primary, secondary, and special education

school teachers ........................................ 5.1 3.4 4.8 0.5 0.0 0.1

Registered nurses ......................................... 9.1 5.0 – – 0.2 –

Service ................................................................... 4.1 2.3 4.4 1.8 0.1 –

Protective service .............................................. 5.6 – 5.2 – 0.1 –

Sales and office ..................................................... 3.8 3.5 – – 0.0 0.4

Office and administrative support ...................... 4.0 3.4 – – 0.0 0.3

Natural resources, construction, and maintenance 5.6 4.0 3.8 2.5 0.1 0.0

Production, transportation, and material moving ... 5.8 – 4.9 – 0.1 0.0

Full time ................................................................. 3.3 2.5 3.4 2.2 0.0 0.1

Part time ................................................................ 7.1 5.8 – – 0.1 0.4

Union ..................................................................... 3.2 2.7 1.7 1.9 0.0 0.0

Nonunion ............................................................... 4.5 – 5.0 – 0.1 0.0

Wage percentiles:2

Lowest 10 percent ............................................. 8.6 7.0 – – 0.1 0.0

Lowest 25 percent ............................................. 5.9 4.4 6.0 0.9 0.1 0.3

Second 25 percent ............................................ 3.6 3.4 – – 0.1 0.3

Third 25 percent ................................................ 3.9 2.7 – – 0.1 –

Highest 25 percent ............................................ 3.2 2.3 2.8 2.6 0.0 0.0

Highest 10 percent ............................................ 4.4 3.4 – – 0.1 0.0

Establishment characteristics

Service-providing industries .................................. 3.3 2.4 3.4 2.3 0.0 0.1

Education and health services ........................... 4.8 – 4.9 – 0.1 0.0

Educational services ...................................... 4.9 – 5.4 – 0.1 0.0

Elementary and secondary schools ........... 4.9 3.2 4.8 0.3 0.0 0.0

Junior colleges, colleges, and universities 8.0 – 10.2 – 0.1 –

Health care and social assistance ................. 7.6 4.3 – – 0.1 –

Hospitals .................................................... 10.2 3.7 – – 0.2 0.0

Public administration ......................................... 4.3 3.3 2.9 1.9 0.0 0.1

1 to 99 workers ...................................................... 8.0 8.0 4.3 1.4 0.1 –

1 to 49 workers .................................................. 7.8 7.9 – – 0.1 0.0

50 to 99 workers ................................................ 10.7 10.2 1.6 – 0.1 0.3

100 workers or more .............................................. 3.6 2.3 3.6 2.5 0.1 0.1

100 to 499 workers ............................................ 4.4 4.1 5.1 2.9 0.1 0.0

500 workers or more .......................................... 4.5 – 4.4 – 0.1 0.2

See footnotes at end of table.
Table 19. Standard errors for life insurance plans: Fixed multiple of earnings benefit formulas,

State and local government workers, National Compensation Survey, March 2009—Continued

Characteristics

Multiple of earnings amounts1

Mean

multiple of

earnings

Median

multiple of

earnings 1.0 times

earnings

Over 1.0

and under

2.0 times

earnings

2.0 times

earnings

Greater

than 2.0

times

earnings

State government .................................................. 5.9 4.9 – – 0.1 0.0

Local government .................................................. 3.1 2.3 2.7 0.9 0.0 0.4

Geographic areas

New England ......................................................... 8.9 8.0 – – 0.2 –

Middle Atlantic ....................................................... 5.1 4.7 2.7 3.7 0.1 0.0

East North Central ................................................. 6.0 2.1 – – 0.1 0.0

West North Central ................................................ 7.1 – 4.3 – 0.2 0.0

South Atlantic ........................................................ 5.6 – 5.4 – 0.1 0.3

East South Central ................................................ – – 17.1 – 0.2 0.4

West South Central ............................................... 5.5 7.7 – – 0.0 0.1

Mountain ................................................................ 8.7 – – – 0.1 0.0

Pacific .................................................................... 5.4 – – 0.7 0.1 0.0

1 Includes participants in plans in which insurance equaled a

multiple of earnings plus or minus a specified amount. Includes multiple

of earnings not shown separately. 2 The percentile groupings are based on the average wage for

each occupation surveyed, which may include workers both above and

below the threshold. The percentile values are based on the estimates

published in the "National Compensation Survey: Occupational

Earnings in the United States, 2008." See Technical Note for more

details.

NOTE: Dash indicates no workers in this category or data did not meet

publication criteria. For definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 20. Life insurance plans: Flat-dollar amount benefit formulas,1 State and local

government workers, National Compensation Survey, March 2009

(Includes workers participating in life insurance plans with flat-dollar amount formulas)

Characteristics

Flat dollar amounts2

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. $5,000 $10,000 $20,000 $40,000 $50,000

Worker characteristics

Management, professional, and related ................ 5,000 10,000 20,000 45,000 50,000

Professional and related .................................... 5,000 10,000 20,000 45,000 50,000

Teachers ........................................................ 5,000 10,000 25,000 50,000 50,000

Primary, secondary, and special education

school teachers ........................................ 10,000 10,000 25,000 50,000 50,000

Registered nurses ......................................... 5,000 10,000 15,000 30,000 50,000

Service ................................................................... 5,000 10,000 20,000 31,217 50,000

Protective service .............................................. 5,000 10,000 20,000 30,000 50,000

Sales and office ..................................................... 5,000 10,000 20,000 30,000 50,000

Office and administrative support ...................... 5,000 10,000 20,000 30,000 50,000

Natural resources, construction, and maintenance 5,000 10,000 20,000 30,000 50,000

Production, transportation, and material moving ... 5,000 10,000 20,000 25,000 50,000

Full time ................................................................. 5,000 10,000 20,000 40,000 50,000

Part time ................................................................ 5,000 15,000 25,000 50,000 50,000

Union ..................................................................... 5,000 10,000 25,000 50,000 50,000

Nonunion ............................................................... 5,000 10,000 15,000 25,000 50,000

Establishment characteristics

Service-providing industries .................................. 5,000 10,000 20,000 40,000 50,000

Education and health services ........................... 5,000 10,000 20,000 40,000 50,000

Educational services ...................................... 5,000 10,000 20,000 45,000 50,000

Elementary and secondary schools ........... 6,000 10,000 20,000 50,000 50,000

Junior colleges, colleges, and universities 5,000 5,000 10,000 30,000 50,000

Health care and social assistance ................. 5,000 10,000 20,000 25,000 50,000

Hospitals .................................................... 5,000 10,000 15,000 25,000 50,000

Public administration ......................................... 5,000 10,000 20,000 30,000 50,000

1 to 99 workers ...................................................... 5,000 10,000 20,000 25,000 50,000

1 to 49 workers .................................................. 5,000 10,000 20,000 25,000 50,000

50 to 99 workers ................................................ 5,000 10,000 15,000 25,000 50,000

100 workers or more .............................................. 5,000 10,000 20,000 40,000 50,000

100 to 499 workers ............................................ 5,000 10,000 20,000 40,000 50,000

500 workers or more .......................................... 5,000 10,000 20,000 40,000 50,000

State government .................................................. 5,000 5,000 15,000 25,000 50,000

Local government .................................................. 5,000 10,000 20,000 40,000 50,000

See footnotes at end of table.
Table 20. Life insurance plans: Flat-dollar amount benefit formulas,1 State and local

government workers, National Compensation Survey, March 2009—Continued

(Includes workers participating in life insurance plans with flat-dollar amount formulas)

Characteristics

Flat dollar amounts2

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic areas

New England ......................................................... $5,000 $5,000 $5,000 $20,000 $50,000

Middle Atlantic ....................................................... 5,000 6,000 40,000 50,000 50,000

East North Central ................................................. 15,000 20,000 30,000 50,000 50,000

West North Central ................................................ 10,000 12,500 20,000 40,000 50,000

South Atlantic ........................................................ 5,000 10,000 10,000 25,000 30,000

West South Central ............................................... 5,000 5,000 10,000 20,000 25,000

Mountain ................................................................ 10,000 15,000 20,000 40,000 50,000

Pacific .................................................................... 5,000 10,000 20,000 49,000 50,000

1 Includes participants in plans providing a fixed benefit

amount. Dollar amounts can be a flat amount or can vary by the

employee’s earnings or length of service. 2 The 10th, 25th, 50th, 75th, and 90th percentiles designate

position within each published series. For example, at the 50th

percentile or median, half of participating workers receive the

same as or more than the amount shown, and half receive the

same as or less than the amount shown. At the 25th percentile,

one-fourth of participating workers receive the same or less

than the amount shown. The remaining percentiles follow the

same logic.

NOTE: For definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 20. Standard errors for life insurance plans: Flat-dollar amount benefit formulas,1

State and local government workers, National Compensation Survey, March 2009

Characteristics

Flat dollar amounts2

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. $0.00 $0.00 $0.00 $1,155.82 $0.00

Worker characteristics

Management, professional, and related ................ 0.00 0.00 0.00 7,084.55 0.00

Professional and related .................................... 0.00 0.00 0.00 6,663.93 0.00

Teachers ........................................................ 4,046.28 0.00 468.61 0.00 0.00

Primary, secondary, and special education

school teachers ........................................ 3,182.14 0.00 3,068.94 0.00 0.00

Registered nurses ......................................... 765.25 0.00 5,577.63 12,352.48 0.00

Service ................................................................... 0.00 0.00 1,147.87 5,513.28 0.00

Protective service .............................................. 0.00 3,116.28 6,880.12 5,558.86 0.00

Sales and office ..................................................... 0.00 0.00 1,645.72 6,897.83 0.00

Office and administrative support ...................... 0.00 0.00 5,166.58 6,149.80 0.00

Natural resources, construction, and maintenance 1,746.42 0.00 0.00 4,095.73 0.00

Production, transportation, and material moving ... 1,334.62 0.00 441.81 3,124.10 0.00

Full time ................................................................. 0.00 0.00 0.00 3,481.50 0.00

Part time ................................................................ 2,258.23 5,815.23 4,277.85 0.00 0.00

Union ..................................................................... 0.00 0.00 0.00 0.00 0.00

Nonunion ............................................................... 0.00 0.00 0.00 1,104.54 2,060.49

Establishment characteristics

Service-providing industries .................................. 0.00 0.00 0.00 644.05 0.00

Education and health services ........................... 0.00 0.00 0.00 6,118.97 0.00

Educational services ...................................... 156.20 0.00 0.00 7,457.87 0.00

Elementary and secondary schools ........... 3,722.79 0.00 5,099.44 8,026.34 0.00

Junior colleges, colleges, and universities 0.00 2,980.20 1,913.11 8,642.12 0.00

Health care and social assistance ................. 0.00 0.00 7,326.66 2,066.40 0.00

Hospitals .................................................... 0.00 0.00 4,554.12 10,594.71 0.00

Public administration ......................................... 0.00 220.91 1,306.90 5,522.68 0.00

1 to 99 workers ...................................................... 0.00 0.00 5,061.62 0.00 3,124.10

1 to 49 workers .................................................. 0.00 0.00 2,066.40 0.00 14,203.49

50 to 99 workers ................................................ 0.00 0.00 4,058.32 6,941.90 2,209.07

100 workers or more .............................................. 0.00 0.00 0.00 0.00 0.00

100 to 499 workers ............................................ 3,443.60 0.00 0.00 5,250.25 0.00

500 workers or more .......................................... 0.00 0.00 0.00 0.00 0.00

State government .................................................. 0.00 0.00 6,832.07 781.02 0.00

Local government .................................................. 1,352.77 0.00 0.00 3,118.24 0.00

See footnotes at end of table.
Table 20. Standard errors for life insurance plans: Flat-dollar amount benefit formulas,1

State and local government workers, National Compensation Survey, March

2009—Continued

Characteristics

Flat dollar amounts2

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic areas

New England ......................................................... $0.00 $0.00 $962.91 $0.00 $8,175.06

Middle Atlantic ....................................................... 0.00 8,870.05 0.00 0.00 0.00

East North Central ................................................. 2,375.39 2,816.03 3,829.41 0.00 0.00

West North Central ................................................ 0.00 4,396.69 1,352.77 12,641.99 0.00

South Atlantic ........................................................ 1,711.14 0.00 3,380.13 7,158.21 0.00

West South Central ............................................... 0.00 5,896.61 0.00 1,781.01 1,147.87

Mountain ................................................................ 0.00 3,313.61 0.00 7,062.12 0.00

Pacific .................................................................... 0.00 0.00 5,061.62 11,199.37 0.00

1 Includes participants in plans providing a fixed benefit

amount. Dollar amounts can be a flat amount or can vary by the

employee’s earnings or length of service. 2 The 10th, 25th, 50th, 75th, and 90th percentiles designate

position within each published series. For example, at the 50th

percentile or median, half of participating workers receive the

same as or more than the amount shown, and half receive the

same as or less than the amount shown. At the 25th percentile,

one-fourth of participating workers receive the same or less than

the amount shown. The remaining percentiles follow the same

logic.

NOTE: For definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 21. Short-term disability plans: Method of funding, State and local

government workers, National Compensation Survey, March 2009

(All workers with short-term disability coverage = 100 percent)

Characteristics

Noncommercially

insured1

Commercially

insured

Legally

required Other

All workers ............................................................. 53 21 8 19

Worker characteristics

Management, professional, and related ................ 54 19 9 19

Professional and related .................................... 51 17 10 22

Teachers ........................................................ 50 18 10 22

Primary, secondary, and special education

school teachers ........................................ 55 25 – –

Registered nurses ......................................... 50 26 – –

Service ................................................................... 53 21 7 19

Protective service .............................................. 60 24 – –

Sales and office ..................................................... 52 21 6 21

Office and administrative support ...................... 51 22 6 20

Natural resources, construction, and maintenance 50 24 – –

Production, transportation, and material moving ... 47 33 – –

Full time ................................................................. 53 22 7 19

Part time ................................................................ 51 7 17 25

Union ..................................................................... 48 18 12 23

Nonunion ............................................................... 59 24 3 15

Wage percentiles:2

Lowest 10 percent ............................................. 41 28 4 26

Lowest 25 percent ............................................. 48 25 4 24

Second 25 percent ............................................ 59 18 5 18

Third 25 percent ................................................ 51 23 8 19

Highest 25 percent ............................................ 53 18 12 17

Highest 10 percent ............................................ 49 13 15 23

Establishment characteristics

Service-providing industries .................................. 53 21 7 19

Education and health services ........................... 53 18 8 21

Educational services ...................................... 49 19 8 24

Elementary and secondary schools ........... 42 22 6 31

Junior colleges, colleges, and universities 70 – 16 –

Health care and social assistance ................. 68 – 8 –

Hospitals .................................................... 65 – – 14

Public administration ......................................... 53 23 8 16

1 to 99 workers ...................................................... 49 38 – –

1 to 49 workers .................................................. 60 – – 6

50 to 99 workers ................................................ – 46 – –

100 workers or more .............................................. 53 18 9 20

100 to 499 workers ............................................ 46 29 10 16

500 workers or more .......................................... 55 16 8 21

See footnotes at end of table.
Table 21. Short-term disability plans: Method of funding, State and local

government workers, National Compensation Survey, March 2009—Continued

(All workers with short-term disability coverage = 100 percent)

Characteristics

Noncommercially

insured1

Commercially

insured

Legally

required Other

State government .................................................. 82 6 12 –

Local government .................................................. 40 27 6 27

Geographic areas

New England ......................................................... 37 35 – –

Middle Atlantic ....................................................... 25 10 25 40

East North Central ................................................. 48 20 – 33

West North Central ................................................ – 43 – –

South Atlantic ........................................................ 66 17 – –

West South Central ............................................... 61 36 – –

Mountain ................................................................ 37 62 – –

Pacific .................................................................... 77 14 – –

1 Employer assumes all risks and expenses of

providing the benefit. 2 The percentile groupings are based on the average

wage for each occupation surveyed, which may include

workers both above and below the threshold. The

percentile values are based on the estimates published in

the "National Compensation Survey: Occupational Earnings

in the United States, 2008." See Technical Note for more

details.

NOTE: Because of rounding, sums of individual items may

not equal totals. Dash indicates no workers in this category

or data did not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 21. Standard errors for short-term disability plans: Method of funding, State

and local government workers, National Compensation Survey, March 2009

Characteristics

Noncommercially

insured1

Commericially

insured

Legally

required Other

All workers ............................................................. 2.2 1.7 0.9 1.9

Worker characteristics

Management, professional, and related ................ 2.5 1.7 0.9 1.9

Professional and related .................................... 3.0 1.9 1.1 2.5

Teachers ........................................................ 4.1 2.6 1.8 3.2

Primary, secondary, and special education

school teachers ........................................ 5.6 3.6 – –

Registered nurses ......................................... 8.4 7.5 – –

Service ................................................................... 3.3 2.9 1.7 2.8

Protective service .............................................. 6.1 5.2 – –

Sales and office ..................................................... 3.5 2.9 1.1 4.0

Office and administrative support ...................... 3.3 3.0 1.1 3.3

Natural resources, construction, and maintenance 6.5 6.1 – –

Production, transportation, and material moving ... 6.5 5.9 – –

Full time ................................................................. 2.3 1.8 0.8 2.0

Part time ................................................................ 5.4 2.0 2.6 4.2

Union ..................................................................... 2.6 1.9 1.5 1.5

Nonunion ............................................................... 3.6 2.6 0.3 3.5

Wage percentiles:2

Lowest 10 percent ............................................. 5.8 6.1 1.0 5.8

Lowest 25 percent ............................................. 4.3 3.6 0.8 4.0

Second 25 percent ............................................ 2.9 2.4 0.9 2.2

Third 25 percent ................................................ 3.2 2.4 0.9 3.2

Highest 25 percent ............................................ 2.1 1.8 1.4 0.9

Highest 10 percent ............................................ 2.3 2.5 1.9 1.6

Establishment characteristics

Service-providing industries .................................. 2.2 1.7 0.9 1.9

Education and health services ........................... 3.0 2.0 0.9 2.6

Educational services ...................................... 3.5 2.3 1.0 3.0

Elementary and secondary schools ........... 4.2 2.8 1.2 4.0

Junior colleges, colleges, and universities 3.8 – 1.8 –

Health care and social assistance ................. 4.9 – 2.2 –

Hospitals .................................................... 7.3 – – 2.5

Public administration ......................................... 3.8 3.2 1.4 2.1

1 to 99 workers ...................................................... 6.9 8.8 – –

1 to 49 workers .................................................. 10.9 – – 2.6

50 to 99 workers ................................................ – 9.4 – –

100 workers or more .............................................. 2.3 1.5 1.0 1.8

100 to 499 workers ............................................ 5.5 4.2 2.3 3.4

500 workers or more .......................................... 2.3 1.5 0.8 1.9

See footnotes at end of table.
Table 21. Standard errors for short-term disability plans: Method of funding, State

and local government workers, National Compensation Survey, March

2009—Continued

Characteristics

Noncommercially

insured1

Commericially

insured

Legally

required Other

State government .................................................. 2.0 1.7 1.2 –

Local government .................................................. 2.6 2.1 1.0 2.7

Geographic areas

New England ......................................................... 11.1 10.5 – –

Middle Atlantic ....................................................... 3.3 1.7 3.0 2.3

East North Central ................................................. 4.8 5.5 – 6.8

West North Central ................................................ – 10.3 – –

South Atlantic ........................................................ 7.1 3.8 – –

West South Central ............................................... 11.2 10.8 – –

Mountain ................................................................ 4.2 4.8 – –

Pacific .................................................................... 3.1 2.1 – –

1 Employer assumes all risks and expenses of

providing the benefit. 2 The percentile groupings are based on the average

wage for each occupation surveyed, which may include

workers both above and below the threshold. The

percentile values are based on the estimates published in

the "National Compensation Survey: Occupational Earnings

in the United States, 2008." See Technical Note for more

details.

NOTE: Dash indicates no workers in this category or data

did not meet publication criteria. For definitions of major

plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 22. Short-term disability plans: Employee contribution

requirement, State and local government workers, National

Compensation Survey, March 2009

(All workers with short-term disability coverage = 100 percent)

Characteristics

Employee

contribution

required

Employee

contribution not

required

All workers ............................................................. 12 88

Worker characteristics

Management, professional, and related ................ 11 89

Professional and related .................................... 11 89

Teachers ........................................................ 8 92

Primary, secondary, and special education

school teachers ........................................ 9 91

Service ................................................................... 15 85

Protective service .............................................. 16 84

Sales and office ..................................................... 14 86

Office and administrative support ...................... 14 86

Natural resources, construction, and maintenance 13 87

Full time ................................................................. 12 88

Part time ................................................................ 10 90

Union ..................................................................... 15 85

Nonunion ............................................................... 9 91

Wage percentiles:1

Lowest 25 percent ............................................. 10 90

Second 25 percent ............................................ 12 88

Third 25 percent ................................................ 11 89

Highest 25 percent ............................................ 15 85

Highest 10 percent ............................................ 15 85

Establishment characteristics

Service-providing industries .................................. 12 88

Education and health services ........................... 11 89

Educational services ...................................... 8 92

Elementary and secondary schools ........... 9 91

Junior colleges, colleges, and universities 4 96

Health care and social assistance ................. 27 73

Hospitals .................................................... 30 70

Public administration ......................................... 15 85

1 to 99 workers ...................................................... 8 92

100 workers or more .............................................. 13 87

100 to 499 workers ............................................ 17 83

500 workers or more .......................................... 12 88

See footnotes at end of table.
Table 22. Short-term disability plans: Employee contribution

requirement, State and local government workers, National

Compensation Survey, March 2009—Continued

(All workers with short-term disability coverage = 100 percent)

Characteristics

Employee

contribution

required

Employee

contribution not

required

State government .................................................. 13 87

Local government .................................................. 12 88

Geographic areas

New England ......................................................... – 100

Middle Atlantic ....................................................... 30 70

East North Central ................................................. 18 82

West South Central ............................................... – 100

Mountain ................................................................ 13 87

Pacific .................................................................... 5 95

1 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and below

the threshold. The percentile values are based on

the estimates published in the "National

Compensation Survey: Occupational Earnings in

the United States, 2008." See Technical Note for

more details.

NOTE: Because of rounding, sums of individual

items may not equal totals. Dash indicates no

workers in this category or data did not meet

publication criteria. For definitions of major plans,

key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 22. Standard errors for short-term and long-term disability

plans: Employee contribution requirement, State and local

government workers, National Compensation Survey, March 2009

Characteristics

Employee

contribution

required

Employee

contribution not

required

All workers ............................................................. 1.1 1.1

Worker characteristics

Management, professional, and related ................ 0.9 0.9

Professional and related .................................... 1.0 1.0

Teachers ........................................................ 1.2 1.2

Primary, secondary, and special education

school teachers ........................................ 1.7 1.7

Service ................................................................... 2.3 2.3

Protective service .............................................. 4.3 4.3

Sales and office ..................................................... 2.5 2.5

Office and administrative support ...................... 2.5 2.5

Natural resources, construction, and maintenance 3.0 3.0

Full time ................................................................. 1.2 1.2

Part time ................................................................ 2.2 2.2

Union ..................................................................... 1.6 1.6

Nonunion ............................................................... 1.4 1.4

Wage percentiles:1

Lowest 25 percent ............................................. 2.0 2.0

Second 25 percent ............................................ 1.7 1.7

Third 25 percent ................................................ 1.4 1.4

Highest 25 percent ............................................ 1.1 1.1

Highest 10 percent ............................................ 1.1 1.1

Establishment characteristics

Service-providing industries .................................. 1.2 1.2

Education and health services ........................... 1.4 1.4

Educational services ...................................... 1.0 1.0

Elementary and secondary schools ........... 1.3 1.3

Junior colleges, colleges, and universities 0.9 0.9

Health care and social assistance ................. 4.7 4.7

Hospitals .................................................... 5.8 5.8

Public administration ......................................... 1.9 1.9

1 to 99 workers ...................................................... 3.0 3.0

100 workers or more .............................................. 1.2 1.2

100 to 499 workers ............................................ 3.1 3.1

500 workers or more .......................................... 1.1 1.1

See footnotes at end of table.
Table 22. Standard errors for short-term and long-term disability

plans: Employee contribution requirement, State and local

government workers, National Compensation Survey, March

2009—Continued

Characteristics

Employee

contribution

required

Employee

contribution not

required

State government .................................................. 1.9 1.9

Local government .................................................. 1.3 1.3

Geographic areas

New England ......................................................... – 0.0

Middle Atlantic ....................................................... 3.2 3.2

East North Central ................................................. 3.9 3.9

West South Central ............................................... – 0.0

Mountain ................................................................ 3.6 3.6

Pacific .................................................................... 1.5 1.5

1 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and below

the threshold. The percentile values are based on

the estimates published in the "National

Compensation Survey: Occupational Earnings in

the United States, 2008." See Technical Note for

more details.

NOTE: Dash indicates no workers in this category

or data did not meet publication criteria. For

definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee

Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 23. Short-term disability plans: Method of benefit payment, State and local

government workers, National Compensation Survey, March 2009

(All workers with short-term disabilty coverage = 100 percent)

Characteristics Flat dollar

amounts

Dollar

amount

varies

Fixed

percent of

earnings

Percent

varies by

earnings

Other

All workers ............................................................. 2 1 86 9 2

Worker characteristics

Management, professional, and related ................ 1 1 87 8 3

Professional and related .................................... 2 1 86 8 3

Teachers ........................................................ 3 – 85 8 3

Primary, secondary, and special education

school teachers ........................................ – – 82 8 4

Registered nurses ......................................... – – 94 – –

Service ................................................................... 2 – 86 9 2

Protective service .............................................. – – 83 – –

Sales and office ..................................................... 1 – 85 10 3

Office and administrative support ...................... 2 – 84 11 3

Natural resources, construction, and maintenance – – 85 11 –

Production, transportation, and material moving ... – – 78 – –

Full time ................................................................. 2 1 86 9 2

Part time ................................................................ 3 – 81 11 –

Union ..................................................................... 3 1 82 10 3

Nonunion ............................................................... 1 – 89 8 1

Wage percentiles:1

Lowest 10 percent ............................................. – – 90 – –

Lowest 25 percent ............................................. 2 – 89 5 3

Second 25 percent ............................................ 3 – 83 13 2

Third 25 percent ................................................ 2 – 87 8 2

Highest 25 percent ............................................ 1 1 85 9 3

Highest 10 percent ............................................ – 2 83 11 –

Establishment characteristics

Service-providing industries .................................. 2 1 86 9 2

Education and health services ........................... 2 1 86 8 4

Educational services ...................................... 2 1 86 7 4

Elementary and secondary schools ........... 2 1 86 5 5

Junior colleges, colleges, and universities – – 86 12 –

Health care and social assistance ................. – – 84 11 –

Hospitals .................................................... – – 92 7 –

Public administration ......................................... 2 – 86 10 –

1 to 99 workers ...................................................... – – 89 – –

1 to 49 workers .................................................. – – 85 – –

50 to 99 workers ................................................ – – 97 – –

100 workers or more .............................................. 2 1 85 10 2

100 to 499 workers ............................................ – – 84 12 –

500 workers or more .......................................... 2 – 85 9 3

See footnotes at end of table.
Table 23. Short-term disability plans: Method of benefit payment, State and local

government workers, National Compensation Survey, March 2009—Continued

(All workers with short-term disabilty coverage = 100 percent)

Characteristics Flat dollar

amounts

Dollar

amount

varies

Fixed

percent of

earnings

Percent

varies by

earnings

Other

State government .................................................. – – 82 17 –

Local government .................................................. 3 1 87 6 4

Geographic areas

New England ......................................................... – – 88 – –

Middle Atlantic ....................................................... 3 – 90 1 5

East North Central ................................................. 3 – 77 17 –

West North Central ................................................ – – 85 – –

South Atlantic ........................................................ – – 87 13 –

East South Central ................................................ – – 84 – –

West South Central ............................................... – – 88 – –

Mountain ................................................................ – – 94 – –

Pacific .................................................................... 2 2 83 9 3

1 The percentile groupings are based on the average wage

for each occupation surveyed, which may include workers both

above and below the threshold. The percentile values are

based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not

equal totals. Dash indicates no workers in this category or data

did not meet publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 23. Standard errors for short-term disability plans: Method of benefit payment,

State and local government workers, National Compensation Survey, March 2009

Characteristics Flat dollar

amounts

Dollar

amount

varies

Fixed

percent of

earnings

Percent

varies by

earnings

Other

All workers ............................................................. 0.5 0.1 1.4 1.1 0.5

Worker characteristics

Management, professional, and related ................ 0.6 0.1 1.5 1.2 0.6

Professional and related .................................... 0.7 0.1 1.7 1.2 0.7

Teachers ........................................................ 1.3 – 2.9 1.7 1.1

Primary, secondary, and special education

school teachers ........................................ – – 4.1 2.7 1.6

Registered nurses ......................................... – – 2.4 – –

Service ................................................................... 1.1 – 2.9 2.7 0.3

Protective service .............................................. – – 5.5 – –

Sales and office ..................................................... 0.5 – 2.4 2.1 1.4

Office and administrative support ...................... 0.6 – 2.6 2.1 1.5

Natural resources, construction, and maintenance – – 3.9 3.4 –

Production, transportation, and material moving ... – – 5.1 – –

Full time ................................................................. 0.6 0.1 1.5 1.2 0.6

Part time ................................................................ 1.3 – 3.0 2.8 –

Union ..................................................................... 0.8 0.2 1.9 1.2 0.8

Nonunion ............................................................... 0.4 – 2.0 2.0 0.4

Wage percentiles:1

Lowest 10 percent ............................................. – – 2.1 – –

Lowest 25 percent ............................................. 1.0 – 1.9 1.3 0.9

Second 25 percent ............................................ 1.1 – 2.7 2.4 0.7

Third 25 percent ................................................ 0.6 – 1.3 1.1 0.3

Highest 25 percent ............................................ 0.6 0.2 2.2 1.6 1.0

Highest 10 percent ............................................ – 0.4 3.7 2.7 –

Establishment characteristics

Service-providing industries .................................. 0.5 0.1 1.4 1.1 0.5

Education and health services ........................... 0.7 0.2 1.6 1.1 0.8

Educational services ...................................... 0.8 0.2 1.9 1.3 1.0

Elementary and secondary schools ........... 1.1 0.3 2.4 1.4 1.4

Junior colleges, colleges, and universities – – 3.3 3.2 –

Health care and social assistance ................. – – 1.9 1.4 –

Hospitals .................................................... – – 1.5 1.4 –

Public administration ......................................... 0.9 – 2.3 2.0 –

1 to 99 workers ...................................................... – – 3.7 – –

1 to 49 workers .................................................. – – 4.9 – –

50 to 99 workers ................................................ – – 3.5 – –

100 workers or more .............................................. 0.5 0.1 1.5 1.2 0.5

100 to 499 workers ............................................ – – 2.6 1.9 –

500 workers or more .......................................... 0.5 – 1.7 1.4 0.7

See footnotes at end of table.
Table 23. Standard errors for short-term disability plans: Method of benefit payment,

State and local government workers, National Compensation Survey, March

2009—Continued

Characteristics Flat dollar

amounts

Dollar

amount

varies

Fixed

percent of

earnings

Percent

varies by

earnings

Other

State government .................................................. – – 2.6 2.6 –

Local government .................................................. 0.8 0.2 1.6 1.1 0.7

Geographic areas

New England ......................................................... – – 8.1 – –

Middle Atlantic ....................................................... 1.1 – 1.8 0.1 1.1

East North Central ................................................. 1.1 – 2.9 2.2 –

West North Central ................................................ – – 9.8 – –

South Atlantic ........................................................ – – 3.8 3.8 –

East South Central ................................................ – – 21.3 – –

West South Central ............................................... – – 5.9 – –

Mountain ................................................................ – – 4.4 – –

Pacific .................................................................... 1.0 0.4 3.4 2.2 1.5

1 The percentile groupings are based on the average wage

for each occupation surveyed, which may include workers both

above and below the threshold. The percentile values are

based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did

not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 24. Short-term disability plans: Duration of benefits, State and local government workers, National

Compensation Survey, March 2009

(All workers with short-term disabilty coverage = 100 percent)

Characteristics Fixed

duration

Number of weeks1

Duration

10th varies

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. 85 18 24 26 26 52 15

Worker characteristics

Management, professional, and related ................ 87 20 24 26 26 52 13

Professional and related .................................... 85 20 25 26 26 52 15

Teachers ........................................................ 86 20 25 26 52 52 14

Primary, secondary, and special education

school teachers ........................................ 84 20 22 26 52 52 16

Service ................................................................... 86 18 25 26 26 52 14

Protective service .............................................. 89 12 25 26 26 52 11

Sales and office ..................................................... 82 13 24 26 26 52 18

Office and administrative support ...................... 82 12 25 26 26 52 18

Natural resources, construction, and maintenance 85 20 26 26 52 52 15

Production, transportation, and material moving ... 72 20 22 26 26 52 28

Full time ................................................................. 85 15 24 26 26 52 15

Part time ................................................................ 82 21 26 26 26 26 18

Union ..................................................................... 81 20 26 26 26 52 19

Nonunion ............................................................... 90 13 22 26 52 52 10

Establishment characteristics

Service-providing industries .................................. 85 18 24 26 26 52 15

Education and health services ........................... 84 20 24 26 26 52 16

Educational services ...................................... 82 21 24 26 52 52 18

Elementary and secondary schools ........... 79 20 22 26 52 52 21

Junior colleges, colleges, and universities 89 25 26 26 26 52 11

Health care and social assistance ................. 94 13 20 26 26 26 6

Public administration ......................................... 88 12 24 26 26 52 12

1 to 99 workers:

 1 to 49 workers .................................................. 97 21 26 26 52 52 3

100 workers or more .............................................. 85 18 24 26 26 52 15

100 to 499 workers ............................................ 84 12 20 26 26 52 16

500 workers or more .......................................... 85 20 25 26 26 52 15

State government .................................................. 95 20 25 26 26 52 5

Local government .................................................. 81 15 24 26 26 52 19

See footnotes at end of table.
Table 24. Short-term disability plans: Duration of benefits, State and local government workers, National

Compensation Survey, March 2009—Continued

(All workers with short-term disabilty coverage = 100 percent)

Characteristics Fixed

duration

Number of weeks1

Duration

10th varies

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic areas

Middle Atlantic ....................................................... 87 26 26 26 26 26 13

East North Central ................................................. 54 13 20 26 52 52 46

South Atlantic ........................................................ 97 22 25 48 52 52 3

1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within

each published series. For example, at the 50th percentile or median, half of

the participating workers receive the same as or more than the benefit shown,

and half receive the same as or less than the benefit shown. At the 25th

percentile, one-fourth of the participating workers receive the same or less

than the benefit shown. The remaining percentiles follow the same logic.

NOTE: Because of rounding, sums of individual items may not equal totals. For

definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 24. Standard errors for short-term disability plans: Duration of benefits, State and local government

workers, National Compensation Survey, March 2009

Characteristics Fixed

duration

Number of weeks1

Duration

10th varies

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. 1.8 7.0 1.4 0.0 0.0 0.0 1.8

Worker characteristics

Management, professional, and related ................ 1.9 7.7 1.7 0.0 5.8 0.0 1.9

Professional and related .................................... 2.1 1.8 1.3 0.0 9.2 0.0 2.1

Teachers ........................................................ 3.1 1.4 1.7 0.0 4.8 0.0 3.1

Primary, secondary, and special education

school teachers ........................................ 4.2 0.6 0.3 0.0 0.0 0.0 4.2

Service ................................................................... 2.9 7.3 1.4 0.0 0.0 0.0 2.9

Protective service .............................................. 3.2 6.7 1.3 0.0 0.0 5.6 3.2

Sales and office ..................................................... 2.4 5.9 2.3 0.0 0.0 0.2 2.4

Office and administrative support ...................... 2.5 6.3 2.3 0.0 0.0 0.4 2.5

Natural resources, construction, and maintenance 3.1 5.5 1.7 0.0 20.2 0.0 3.1

Production, transportation, and material moving ... 6.4 4.7 4.8 0.0 19.9 0.0 6.4

Full time ................................................................. 1.7 6.2 1.6 0.0 3.5 0.0 1.7

Part time ................................................................ 4.2 1.4 0.0 0.0 0.0 18.9 4.2

Union ..................................................................... 2.3 4.6 0.2 0.0 0.0 0.0 2.3

Nonunion ............................................................... 2.0 2.3 1.4 0.0 8.7 0.0 2.0

Establishment characteristics

Service-providing industries .................................. 1.8 7.1 1.4 0.0 0.0 0.0 1.8

Education and health services ........................... 2.5 0.4 2.0 0.0 30.4 0.0 2.5

Educational services ...................................... 2.9 1.1 1.5 0.0 9.8 0.0 2.9

Elementary and secondary schools ........... 3.7 1.1 1.7 0.0 0.0 0.0 3.7

Junior colleges, colleges, and universities 1.9 0.6 0.0 0.0 4.1 0.0 1.9

Health care and social assistance ................. 2.0 2.3 0.0 0.0 0.0 26.9 2.0

Public administration ......................................... 1.7 8.7 2.4 0.0 0.0 6.5 1.7

1 to 99 workers:

 1 to 49 workers .................................................. 1.7 1.1 2.1 0.0 10.9 0.0 1.7

100 workers or more .............................................. 1.8 6.7 1.3 0.0 0.0 0.0 1.8

100 to 499 workers ............................................ 3.2 2.0 2.8 0.0 0.0 5.0 3.2

500 workers or more .......................................... 1.9 1.0 1.3 0.0 1.6 0.0 1.9

State government .................................................. 0.9 22.6 1.2 0.0 0.0 0.0 0.9

Local government .................................................. 2.4 4.8 1.9 0.0 5.2 0.0 2.4

See footnotes at end of table.
Table 24. Standard errors for short-term disability plans: Duration of benefits, State and local government

workers, National Compensation Survey, March 2009—Continued

Characteristics Fixed

duration

Number of weeks1

Duration

10th varies

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic areas

Middle Atlantic ....................................................... 2.6 0.0 0.0 0.0 0.0 0.0 2.6

East North Central ................................................. 7.2 8.1 1.0 0.0 0.6 0.0 7.2

South Atlantic ........................................................ 1.5 0.3 0.9 26.5 0.0 0.0 1.5

1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within

each published series. For example, at the 50th percentile or median, half of

the participating workers receive the same as or more than the benefit shown,

and half receive the same as or less than the benefit shown. At the 25th

percentile, one-fourth of the participating workers receive the same or less

than the benefit shown. The remaining percentiles follow the same logic.

NOTE: For definitions of major plans, key provisions, and related terms, see

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 25. Short-term disability plans: Fixed percent of earnings, State and local government workers,

National Compensation Survey, March 2009

(All workers with fixed percent of earnings short-term disability coverage = 100 percent)

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings 50 percent 51 to 59

percent 60 percent 61 to 69percent

Greater

than 69

percent

All workers ............................................................. 31 7 29 20 13 61.2 60.0

Worker characteristics

Management, professional, and related ................ 31 9 25 19 15 61.6 60.0

Professional and related .................................... 30 10 21 21 18 62.6 60.0

Teachers ........................................................ 33 7 16 22 22 64.2 60.0

Primary, secondary, and special education

school teachers ........................................ 43 5 17 9 25 62.6 60.0

Registered nurses ......................................... 24 – 30 – – 59.0 60.0

Service ................................................................... 32 4 32 23 9 60.6 60.0

Protective service .............................................. 34 – 37 17 12 60.5 60.0

Sales and office ..................................................... 25 8 36 23 8 60.7 60.0

Office and administrative support ...................... 25 8 36 22 9 60.7 60.0

Natural resources, construction, and maintenance 33 – 31 – – 62.3 60.0

Production, transportation, and material moving ... 38 – 29 17 – 59.6 60.0

Full time ................................................................. 30 6 31 20 13 61.5 60.0

Part time ................................................................ 46 19 – 23 – 57.8 55.0

Union ..................................................................... 18 8 32 31 11 62.4 60.0

Nonunion ............................................................... 45 6 25 9 15 59.9 58.0

Wage percentiles:1

Lowest 10 percent ............................................. 43 7 22 – – 59.7 58.0

Lowest 25 percent ............................................. 39 5 28 16 12 60.0 60.0

Second 25 percent ............................................ 28 7 35 20 10 61.0 60.0

Third 25 percent ................................................ 35 6 31 18 10 59.7 60.0

Highest 25 percent ............................................ 24 10 23 26 17 63.4 60.0

Highest 10 percent ............................................ 22 11 15 32 21 64.8 67.0

Establishment characteristics

Service-providing industries .................................. 30 7 29 20 13 61.3 60.0

Education and health services ........................... 34 11 20 18 17 62.1 60.0

Educational services ...................................... 37 11 15 16 20 62.5 60.0

Elementary and secondary schools ........... 44 5 14 19 18 61.2 60.0

Junior colleges, colleges, and universities 21 31 15 – – 66.3 58.0

Health care and social assistance ................. 14 – 47 25 – 60.0 60.0

Hospitals .................................................... – – 45 22 – 59.2 60.0

Public administration ......................................... 26 3 36 26 8 60.7 60.0

1 to 99 workers ...................................................... 41 – 40 – 2 57.2 60.0

1 to 49 workers .................................................. 49 – 39 – – 55.9 60.0

50 to 99 workers ................................................ – – 43 25 5 59.5 60.0

100 workers or more .............................................. 30 8 27 21 14 61.8 60.0

100 to 499 workers ............................................ 30 – 40 17 – 60.6 60.0

500 workers or more .......................................... 30 9 24 22 15 62.0 60.0

See footnotes at end of table.
Table 25. Short-term disability plans: Fixed percent of earnings, State and local government workers,

National Compensation Survey, March 2009—Continued

(All workers with fixed percent of earnings short-term disability coverage = 100 percent)

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings 50 percent 51 to 59

percent 60 percent 61 to 69percent

Greater

than 69

percent

State government .................................................. 19 16 42 – – 62.1 60.0

Local government .................................................. 36 4 23 24 13 60.8 60.0

Geographic areas

New England ......................................................... – – – 19 67 80.4 –

Middle Atlantic ....................................................... 16 3 17 60 4 63.1 67.0

East North Central ................................................. 48 – 30 – 11 58.8 60.0

West North Central ................................................ – – – – – 64.2 66.0

South Atlantic ........................................................ 63 – 20 3 14 57.9 50.0

West South Central ............................................... – – 55 – – 61.5 60.0

Mountain ................................................................ – – 50 – 31 67.6 60.0

Pacific .................................................................... 20 28 44 – – 57.5 60.0

1 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals.

Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 25. Standard errors for short-term disability plans: Fixed percent of earnings, State and local

government workers, National Compensation Survey, March 2009

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings 50 percent 51 to 59

percent 60 percent 61 to 69percent

Greater

than 69

percent

All workers ............................................................. 2.5 0.6 2.4 1.5 1.6 0.6 0.0

Worker characteristics

Management, professional, and related ................ 2.6 0.9 2.8 1.4 1.9 0.7 0.0

Professional and related .................................... 2.7 0.9 2.6 1.7 2.3 0.8 0.0

Teachers ........................................................ 3.5 0.8 2.7 2.1 2.9 1.2 0.0

Primary, secondary, and special education

school teachers ........................................ 4.9 1.2 2.9 2.7 3.6 1.3 2.9

Registered nurses ......................................... 5.7 – 8.2 – – 1.1 0.7

Service ................................................................... 3.4 0.7 3.5 2.7 1.5 0.7 0.0

Protective service .............................................. 6.0 – 6.0 4.5 2.9 1.2 0.0

Sales and office ..................................................... 3.7 1.5 4.0 3.2 1.9 0.7 0.0

Office and administrative support ...................... 3.8 1.6 3.8 2.7 1.9 0.7 0.0

Natural resources, construction, and maintenance 6.6 – 5.1 – – 2.4 0.0

Production, transportation, and material moving ... 6.7 – 7.4 4.9 – 1.3 0.0

Full time ................................................................. 2.6 0.5 2.5 1.5 1.6 0.6 0.0

Part time ................................................................ 5.9 3.4 – 3.5 – 1.2 1.9

Union ..................................................................... 1.9 0.9 3.3 2.6 2.0 0.5 0.0

Nonunion ............................................................... 4.0 0.9 3.4 1.4 2.7 1.1 4.5

Wage percentiles:1

Lowest 10 percent ............................................. 6.1 2.4 5.7 – – 1.7 3.9

Lowest 25 percent ............................................. 4.9 1.0 4.4 3.2 3.6 1.5 0.0

Second 25 percent ............................................ 3.9 0.8 3.9 2.1 1.7 0.8 0.0

Third 25 percent ................................................ 3.5 0.7 3.3 2.0 1.6 0.6 0.0

Highest 25 percent ............................................ 1.7 1.3 2.1 1.7 2.1 0.6 0.0

Highest 10 percent ............................................ 2.3 1.6 2.4 2.1 2.5 0.9 2.9

Establishment characteristics

Service-providing industries .................................. 2.6 0.6 2.4 1.5 1.6 0.6 0.0

Education and health services ........................... 3.3 1.0 2.2 1.8 2.6 1.1 0.0

Educational services ...................................... 3.6 1.0 2.0 1.9 3.1 1.3 2.4

Elementary and secondary schools ........... 4.0 0.8 2.3 2.4 2.8 1.0 1.5

Junior colleges, colleges, and universities 5.0 3.9 3.5 – – 4.0 3.4

Health care and social assistance ................. 3.2 – 5.4 4.9 – 0.6 0.0

Hospitals .................................................... – – 6.4 6.5 – 0.8 0.0

Public administration ......................................... 3.6 0.7 4.4 2.9 1.7 0.7 0.0

1 to 99 workers ...................................................... 9.0 – 6.6 – 0.9 1.3 0.0

1 to 49 workers .................................................. 10.6 – 8.3 – – 1.7 11.3

50 to 99 workers ................................................ – – 10.5 7.5 2.3 1.5 0.0

100 workers or more .............................................. 2.3 0.7 2.6 1.4 1.8 0.7 0.0

100 to 499 workers ............................................ 4.7 – 6.5 3.5 – 1.1 0.0

500 workers or more .......................................... 2.4 0.7 2.2 1.2 2.0 0.8 0.0

See footnotes at end of table.
Table 25. Standard errors for short-term disability plans: Fixed percent of earnings, State and local

government workers, National Compensation Survey, March 2009—Continued

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings 50 percent 51 to 59

percent 60 percent 61 to 69percent

Greater

than 69

percent

State government .................................................. 2.9 1.9 5.7 – – 1.6 0.0

Local government .................................................. 2.9 0.5 1.9 1.9 1.6 0.6 0.0

Geographic areas

New England ......................................................... – – – 3.1 10.3 6.5 –

Middle Atlantic ....................................................... 3.6 0.7 1.7 4.3 1.1 0.7 0.0

East North Central ................................................. 7.3 – 6.1 – 3.2 1.3 11.0

West North Central ................................................ – – – – – 2.6 6.1

South Atlantic ........................................................ 5.3 – 3.9 1.2 2.1 1.1 0.0

West South Central ............................................... – – 10.0 – – 2.3 0.0

Mountain ................................................................ – – 7.5 – 8.8 1.7 6.4

Pacific .................................................................... 2.9 3.6 6.2 – – 0.5 2.0

1 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet

publication criteria. For definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 26. Long-term disability plans: Employee contribution

requirement, State and local government workers, National

Compensation Survey, March 2009

(All workers with long-term disability coverage = 100 percent)

Characteristics

Employee

contribution

required

Employee

contribution not

required

All workers ............................................................. 18 82

Worker characteristics

Management, professional, and related ................ 19 81

Professional and related .................................... 19 81

Teachers ........................................................ 21 79

Primary, secondary, and special education

school teachers ........................................ 22 78

Registered nurses ......................................... 15 85

Service ................................................................... 19 81

Protective service .............................................. 18 82

Sales and office ..................................................... 15 85

Office and administrative support ...................... 16 84

Full time ................................................................. 18 82

Part time ................................................................ 21 79

Union ..................................................................... 19 81

Nonunion ............................................................... 17 83

Wage percentiles:1

Lowest 25 percent ............................................. 19 81

Second 25 percent ............................................ 16 84

Third 25 percent ................................................ 16 84

Highest 25 percent ............................................ 20 80

Highest 10 percent ............................................ 22 78

Establishment characteristics

Service-providing industries .................................. 18 82

Education and health services ........................... 19 81

Educational services ...................................... 21 79

Elementary and secondary schools ........... 22 78

Junior colleges, colleges, and universities 17 83

Health care and social assistance ................. 12 88

Public administration ......................................... 17 83

100 workers or more .............................................. 18 82

100 to 499 workers ............................................ 15 85

500 workers or more .......................................... 19 81

See footnotes at end of table.
Table 26. Long-term disability plans: Employee contribution

requirement, State and local government workers, National

Compensation Survey, March 2009—Continued

(All workers with long-term disability coverage = 100 percent)

Characteristics

Employee

contribution

required

Employee

contribution not

required

State government .................................................. 19 81

Local government .................................................. 18 82

Geographic areas

Middle Atlantic ....................................................... 7 93

East North Central ................................................. 36 64

West North Central ................................................ 9 91

South Atlantic ........................................................ 6 94

Mountain ................................................................ 51 49

1 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and below

the threshold. The percentile values are based on

the estimates published in the "National

Compensation Survey: Occupational Earnings in

the United States, 2008." See Technical Note for

more details.

NOTE: Because of rounding, sums of individual

items may not equal totals. For definitions of major

plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 26. Standard errors for long-term disability plans: Employee

contribution requirement, State and local government workers,

National Compensation Survey, March 2009

Characteristics

Employee

contribution

required

Employee

contribution not

required

All workers ............................................................. 2.2 2.2

Worker characteristics

Management, professional, and related ................ 1.9 1.9

Professional and related .................................... 1.9 1.9

Teachers ........................................................ 2.6 2.6

Primary, secondary, and special education

school teachers ........................................ 3.1 3.1

Registered nurses ......................................... 4.5 4.5

Service ................................................................... 2.5 2.5

Protective service .............................................. 3.4 3.4

Sales and office ..................................................... 2.8 2.8

Office and administrative support ...................... 2.9 2.9

Full time ................................................................. 2.2 2.2

Part time ................................................................ 4.0 4.0

Union ..................................................................... 2.5 2.5

Nonunion ............................................................... 2.5 2.5

Wage percentiles:1

Lowest 25 percent ............................................. 4.8 4.8

Second 25 percent ............................................ 2.3 2.3

Third 25 percent ................................................ 2.9 2.9

Highest 25 percent ............................................ 1.9 1.9

Highest 10 percent ............................................ 3.2 3.2

Establishment characteristics

Service-providing industries .................................. 2.2 2.2

Education and health services ........................... 2.4 2.4

Educational services ...................................... 2.6 2.6

Elementary and secondary schools ........... 3.3 3.3

Junior colleges, colleges, and universities 4.4 4.4

Health care and social assistance ................. 3.7 3.7

Public administration ......................................... 2.8 2.8

100 workers or more .............................................. 1.9 1.9

100 to 499 workers ............................................ 3.1 3.1

500 workers or more .......................................... 2.2 2.2

See footnotes at end of table.
Table 26. Standard errors for long-term disability plans: Employee

contribution requirement, State and local government workers,

National Compensation Survey, March 2009—Continued

Characteristics

Employee

contribution

required

Employee

contribution not

required

State government .................................................. 4.1 4.1

Local government .................................................. 2.6 2.6

Geographic areas

Middle Atlantic ....................................................... 1.7 1.7

East North Central ................................................. 3.4 3.4

West North Central ................................................ 3.0 3.0

South Atlantic ........................................................ 1.3 1.3

Mountain ................................................................ 11.4 11.4

1 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and below

the threshold. The percentile values are based on

the estimates published in the "National

Compensation Survey: Occupational Earnings in

the United States, 2008." See Technical Note for

more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 27. Long-term disability plans: Method of benefit payment, State and

local government workers, National Compensation Survey, March 2009

(All workers with long-term disability coverage = 100 percent)

Characteristics

Fixed

percent of

earnings

Pecent

varies by

earnings

Flat dollar

amounts Other

All workers ............................................................. 93 6 1 1

Worker characteristics

Management, professional, and related ................ 93 – 1 –

Professional and related .................................... 93 – 1 –

Teachers ........................................................ 95 – – –

Primary, secondary, and special education

school teachers ........................................ 96 – – –

Registered nurses ......................................... 93 – – –

Service ................................................................... 92 7 – –

Protective service .............................................. 93 6 – –

Sales and office ..................................................... 92 – – –

Office and administrative support ...................... 91 – – –

Natural resources, construction, and maintenance 96 – – –

Production, transportation, and material moving ... 94 – – –

Full time ................................................................. 93 6 1 () 1

Part time ................................................................ 92 5 – –

Union ..................................................................... 93 – 1 –

Nonunion ............................................................... 93 7 – –

Wage percentiles:2

Lowest 10 percent ............................................. 97 – – –

Lowest 25 percent ............................................. 93 7 – –

Second 25 percent ............................................ 90 – – –

Third 25 percent ................................................ 94 6 – –

Highest 25 percent ............................................ 95 – 1 –

Highest 10 percent ............................................ 94 – – –

Establishment characteristics

Service-providing industries .................................. 93 6 1 1

Education and health services ........................... 92 – 1 –

Educational services ...................................... 93 – 1 –

Elementary and secondary schools ........... 96 1 – –

Junior colleges, colleges, and universities 84 – – –

Health care and social assistance ................. 88 – – –

Hospitals .................................................... 86 – – –

Public administration ......................................... 93 7 – –

1 to 99 workers ...................................................... 93 7 – –

1 to 49 workers .................................................. 91 – – –

50 to 99 workers ................................................ 95 – – –

100 workers or more .............................................. 93 – 1 –

100 to 499 workers ............................................ 97 2 – –

500 workers or more .......................................... 92 – – 1

See footnotes at end of table.
Table 27. Long-term disability plans: Method of benefit payment, State and

local government workers, National Compensation Survey, March

2009—Continued

(All workers with long-term disability coverage = 100 percent)

Characteristics

Fixed

percent of

earnings

Pecent

varies by

earnings

Flat dollar

amounts Other

State government .................................................. 82 – – –

Local government .................................................. 97 2 1 1

Geographic areas

New England ......................................................... 98 – – –

Middle Atlantic ....................................................... 93 3 – –

East North Central ................................................. 87 – – –

West North Central ................................................ 86 – – –

South Atlantic ........................................................ 98 – – –

East South Central ................................................ 87 – – –

West South Central ............................................... 98 – – –

Mountain ................................................................ 99 – – –

Pacific .................................................................... 95 – – –

1 Less than 0.5 percent. 2 The percentile groupings are based on the

average wage for each occupation surveyed, which may

include workers both above and below the threshold.

The percentile values are based on the estimates

published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: Because of rounding, sums of individual items

may not equal totals. Dash indicates no workers in this

category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 27. Standard errors for long-term disability plans: Method of benefit

payment, State and local government workers, National Compensation

Survey, March 2009

Characteristics

Fixed

percent of

earnings

Pecent

varies by

earnings

Flat dollar

amounts Other

All workers ............................................................. 2.5 2.6 0.2 0.4

Worker characteristics

Management, professional, and related ................ 2.6 – 0.3 –

Professional and related .................................... 2.6 – 0.4 –

Teachers ........................................................ 1.7 – – –

Primary, secondary, and special education

school teachers ........................................ 1.5 – – –

Registered nurses ......................................... 7.4 – – –

Service ................................................................... 2.3 2.3 – –

Protective service .............................................. 2.0 2.0 – –

Sales and office ..................................................... 3.9 – – –

Office and administrative support ...................... 4.1 – – –

Natural resources, construction, and maintenance 2.0 – – –

Production, transportation, and material moving ... 2.4 – – –

Full time ................................................................. 2.5 2.6 1 ( ) 0.4

Part time ................................................................ 3.0 2.7 – –

Union ..................................................................... 2.6 – 0.5 –

Nonunion ............................................................... 2.6 2.6 – –

Wage percentiles:2

Lowest 10 percent ............................................. 1.5 – – –

Lowest 25 percent ............................................. 2.1 2.1 – –

Second 25 percent ............................................ 4.9 – – –

Third 25 percent ................................................ 2.7 2.7 – –

Highest 25 percent ............................................ 1.7 – 0.4 –

Highest 10 percent ............................................ 3.6 – – –

Establishment characteristics

Service-providing industries .................................. 2.6 2.6 0.2 0.4

Education and health services ........................... 3.6 – 0.4 –

Educational services ...................................... 2.9 – 0.4 –

Elementary and secondary schools ........... 1.2 0.6 – –

Junior colleges, colleges, and universities 10.5 – – –

Health care and social assistance ................. 8.2 – – –

Hospitals .................................................... 10.5 – – –

Public administration ......................................... 2.1 2.1 – –

1 to 99 workers ...................................................... 2.3 2.3 – –

1 to 49 workers .................................................. 3.1 – – –

50 to 99 workers ................................................ 3.2 – – –

100 workers or more .............................................. 2.9 – 0.3 –

100 to 499 workers ............................................ 1.2 0.8 – –

500 workers or more .......................................... 3.9 – – 0.6

See footnotes at end of table.
Table 27. Standard errors for long-term disability plans: Method of benefit

payment, State and local government workers, National Compensation

Survey, March 2009—Continued

Characteristics

Fixed

percent of

earnings

Pecent

varies by

earnings

Flat dollar

amounts Other

State government .................................................. 9.1 – – –

Local government .................................................. 0.7 0.4 0.3 0.5

Geographic areas

New England ......................................................... 1.7 – – –

Middle Atlantic ....................................................... 2.3 0.7 – –

East North Central ................................................. 4.4 – – –

West North Central ................................................ 13.3 – – –

South Atlantic ........................................................ 1.1 – – –

East South Central ................................................ 9.0 – – –

West South Central ............................................... 2.2 – – –

Mountain ................................................................ 1.2 – – –

Pacific .................................................................... 2.3 – – –

1 Less than 0.05. 2 The percentile groupings are based on the

average wage for each occupation surveyed, which may

include workers both above and below the threshold.

The percentile values are based on the estimates

published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: Dash indicates no workers in this category or

data did not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 28. Long-term disability plans: Fixed percent of earnings, State and local government workers,

National Compensation Survey, March 2009

(All workers with a fixed percent of earnings long-term disability coverage = 100 percent)

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings

Less than

60 percent 60 percent 61 to 66percent 67 percent

Greater

than 67

percent

All workers ............................................................. 19 41 23 12 5 60.7 60.0

Worker characteristics

Management, professional, and related ................ 17 37 27 12 6 61.0 60.0

Professional and related .................................... 18 36 28 12 7 61.1 60.0

Teachers ........................................................ 17 32 29 13 10 61.7 62.0

Primary, secondary, and special education

school teachers ........................................ 18 29 29 14 10 61.8 62.0

Registered nurses ......................................... 25 52 16 – – 57.9 60.0

Service ................................................................... 24 44 18 11 4 60.1 60.0

Protective service .............................................. 23 46 18 – – 60.1 60.0

Sales and office ..................................................... 19 48 18 13 2 60.2 60.0

Office and administrative support ...................... 20 47 18 14 2 60.1 60.0

Natural resources, construction, and maintenance 19 46 22 – – 60.0 60.0

Production, transportation, and material moving ... 22 46 14 – – 60.4 60.0

Full time ................................................................. 18 42 24 12 4 60.8 60.0

Part time ................................................................ 37 25 15 – – 59.1 60.0

Union ..................................................................... 23 38 16 15 8 61.0 60.0

Nonunion ............................................................... 16 43 29 10 2 60.4 60.0

Wage percentiles:1

Lowest 10 percent ............................................. 22 46 19 – – 59.7 60.0

Lowest 25 percent ............................................. 19 41 25 12 3 60.5 60.0

Second 25 percent ............................................ 20 42 22 12 4 60.5 60.0

Third 25 percent ................................................ 17 42 26 12 3 61.0 60.0

Highest 25 percent ............................................ 20 40 21 12 7 60.6 60.0

Highest 10 percent ............................................ 24 41 19 12 4 59.3 60.0

Establishment characteristics

Service-providing industries .................................. 19 41 23 12 5 60.7 60.0

Education and health services ........................... 19 38 25 12 6 60.9 60.0

Educational services ...................................... 18 33 28 14 7 61.6 60.0

Elementary and secondary schools ........... 19 29 29 15 8 61.7 62.0

Junior colleges, colleges, and universities 13 49 24 – – 61.1 60.0

Health care and social assistance ................. 24 63 – – – 57.1 60.0

Hospitals .................................................... 30 57 – – – 56.3 60.0

Public administration ......................................... 21 46 21 10 – 59.9 60.0

1 to 99 workers ...................................................... 14 45 22 13 6 61.8 60.0

1 to 49 workers .................................................. – 40 28 14 – 62.3 60.0

50 to 99 workers ................................................ – 51 – – 6 61.4 60.0

100 workers or more .............................................. 20 40 24 12 4 60.5 60.0

100 to 499 workers ............................................ 23 39 15 16 7 60.7 60.0

500 workers or more .......................................... 18 41 27 11 3 60.4 60.0

See footnotes at end of table.
Table 28. Long-term disability plans: Fixed percent of earnings, State and local government workers,

National Compensation Survey, March 2009—Continued

(All workers with a fixed percent of earnings long-term disability coverage = 100 percent)

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings

Less than

60 percent 60 percent 61 to 66percent 67 percent

Greater

than 67

percent

State government .................................................. 12 50 28 9 – 60.9 60.0

Local government .................................................. 21 38 22 13 5 60.6 60.0

Geographic areas

New England ......................................................... – 46 – – – 65.6 66.0

Middle Atlantic ....................................................... 11 53 – 23 – 61.8 60.0

East North Central ................................................. 49 21 7 11 12 57.7 60.0

West North Central ................................................ – 48 – – – 61.6 60.0

South Atlantic ........................................................ 8 38 52 2 – 61.3 62.0

East South Central ................................................ – 63 13 – – 58.6 60.0

West South Central ............................................... – 77 – – – 58.9 60.0

Mountain ................................................................ – 38 23 35 – 63.5 66.0

Pacific .................................................................... 19 42 27 12 – 60.8 60.0

1 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals.

Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 28. Standard errors for long-term disability plans: Fixed percent of earnings, State and local

government workers, National Compensation Survey, March 2009

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings

Less than

60 percent 60 percent 61 to 66percent 67 percent

Greater

than 67

percent

All workers ............................................................. 1.9 2.3 2.1 1.8 1.1 0.4 0.0

Worker characteristics

Management, professional, and related ................ 1.9 2.5 2.4 1.7 1.5 0.5 0.3

Professional and related .................................... 2.0 2.7 2.6 1.8 1.8 0.6 0.7

Teachers ........................................................ 2.3 3.0 2.9 2.0 2.5 0.7 3.0

Primary, secondary, and special education

school teachers ........................................ 2.6 3.5 3.3 2.5 2.4 0.8 3.8

Registered nurses ......................................... 4.7 6.8 4.3 – – 0.8 0.0

Service ................................................................... 3.3 3.6 2.2 1.8 1.4 0.5 0.0

Protective service .............................................. 4.5 5.5 3.5 – – 0.7 0.0

Sales and office ..................................................... 2.9 3.3 3.4 2.5 0.5 0.5 0.0

Office and administrative support ...................... 2.9 3.3 3.5 2.6 0.5 0.5 0.0

Natural resources, construction, and maintenance 3.0 6.0 5.6 – – 0.7 0.0

Production, transportation, and material moving ... 5.3 6.3 4.3 – – 1.1 0.0

Full time ................................................................. 1.8 2.4 2.2 1.8 1.0 0.4 0.0

Part time ................................................................ 6.2 5.5 3.2 – – 1.2 0.0

Union ..................................................................... 2.7 2.0 1.9 2.8 1.8 0.7 0.0

Nonunion ............................................................... 1.9 3.4 3.3 1.9 0.8 0.3 0.0

Wage percentiles:1

Lowest 10 percent ............................................. 4.4 6.4 4.2 – – 0.7 0.0

Lowest 25 percent ............................................. 3.0 4.3 3.8 3.1 1.2 0.6 0.0

Second 25 percent ............................................ 2.9 3.0 2.9 2.2 1.0 0.5 0.0

Third 25 percent ................................................ 2.2 3.1 2.6 2.4 1.2 0.5 0.0

Highest 25 percent ............................................ 2.0 2.5 2.5 1.4 2.0 0.6 0.0

Highest 10 percent ............................................ 2.6 3.8 2.6 1.5 1.6 0.5 0.0

Establishment characteristics

Service-providing industries .................................. 1.9 2.3 2.2 1.8 1.1 0.4 0.0

Education and health services ........................... 2.1 2.5 2.3 1.8 1.5 0.5 0.0

Educational services ...................................... 2.4 2.5 2.6 2.0 1.7 0.6 2.6

Elementary and secondary schools ........... 2.9 2.7 3.1 2.2 1.9 0.7 3.4

Junior colleges, colleges, and universities 2.9 4.5 2.8 – – 0.5 0.0

Health care and social assistance ................. 4.9 6.1 – – – 0.8 0.0

Hospitals .................................................... 6.7 7.4 – – – 1.2 0.0

Public administration ......................................... 3.0 3.5 3.1 2.4 – 0.5 0.0

1 to 99 workers ...................................................... 4.0 6.2 5.7 3.7 2.4 0.7 0.5

1 to 49 workers .................................................. – 7.7 8.2 3.7 – 1.3 5.3

50 to 99 workers ................................................ – 7.5 – – 2.6 0.8 0.0

100 workers or more .............................................. 1.8 2.2 2.1 1.8 1.1 0.4 0.0

100 to 499 workers ............................................ 3.3 3.9 2.7 3.0 1.8 0.7 0.0

500 workers or more .......................................... 1.8 2.5 2.5 2.0 1.2 0.5 0.0

See footnotes at end of table.
Table 28. Standard errors for long-term disability plans: Fixed percent of earnings, State and local

government workers, National Compensation Survey, March 2009—Continued

Characteristics

Fixed percent of earnings

Mean fixed

percent of

earnings

Median

fixed

percent of

earnings

Less than

60 percent 60 percent 61 to 66percent 67 percent

Greater

than 67

percent

State government .................................................. 3.1 4.5 3.5 2.4 – 0.4 0.0

Local government .................................................. 2.1 2.2 2.2 1.9 1.2 0.5 0.0

Geographic areas

New England ......................................................... – 6.4 – – – 1.9 7.4

Middle Atlantic ....................................................... 1.3 5.1 – 2.7 – 0.6 0.0

East North Central ................................................. 5.8 3.1 3.0 1.8 3.5 1.6 12.9

West North Central ................................................ – 8.0 – – – 1.1 0.0

South Atlantic ........................................................ 2.0 5.3 5.7 0.6 – 0.4 1.2

East South Central ................................................ – 10.3 2.0 – – 1.4 0.0

West South Central ............................................... – 5.7 – – – 0.6 0.0

Mountain ................................................................ – 7.5 5.6 7.8 – 0.9 0.0

Pacific .................................................................... 2.6 3.8 3.5 2.9 – 0.5 0.0

1 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet

publication criteria. For definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 29. Long-term disability plans: Maximum benefit amounts, State and local government workers,

National Compensation Survey, March 2009

(All workers participating in fixed percent of earnings long-term disabilty plans = 100 percent)

Characteristics

With

maximum

benefit

amount

Maximum benefit amount1

With no

maximum

benefit

amount

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. 65 $2,000 $3,900 $5,000 $6,000 $9,000 35

Worker characteristics

Management, professional, and related ................ 67 1,500 3,900 5,000 6,000 9,000 33

Professional and related .................................... 67 1,500 3,900 5,000 6,000 8,750 33

Teachers ........................................................ 66 1,500 3,900 5,000 6,500 10,000 34

Primary, secondary, and special education

school teachers ........................................ 63 1,500 3,333 4,500 6,000 8,000 37

Registered nurses ......................................... 76 2,000 4,500 5,000 7,500 8,500 24

Service ................................................................... 61 2,000 3,900 5,000 7,500 10,000 39

Protective service .............................................. 61 2,000 3,000 5,000 7,500 10,000 39

Sales and office ..................................................... 62 1,500 3,000 5,000 6,000 8,000 38

Office and administrative support ...................... 63 1,500 3,000 5,000 6,000 8,000 37

Natural resources, construction, and maintenance 66 1,500 3,900 5,000 6,000 7,500 34

Production, transportation, and material moving ... 66 3,000 3,000 5,000 6,500 10,000 34

Full time ................................................................. 66 1,500 3,900 5,000 6,000 9,000 34

Part time ................................................................ 54 2,500 4,500 5,000 7,000 10,000 46

Union ..................................................................... 61 2,000 3,000 5,000 6,667 10,000 39

Nonunion ............................................................... 69 1,000 3,900 5,000 6,000 8,000 31

Establishment characteristics

Service-providing industries .................................. 65 1,800 3,900 5,000 6,000 9,000 35

Education and health services ........................... 67 1,500 3,900 5,000 6,000 8,500 33

Educational services ...................................... 66 1,500 3,900 5,000 6,000 9,100 34

Elementary and secondary schools ........... 63 1,500 3,000 4,500 6,000 8,000 37

Junior colleges, colleges, and universities 76 2,500 3,900 5,500 7,500 10,000 24

Health care and social assistance ................. 70 3,000 4,500 5,000 7,000 8,000 30

Hospitals .................................................... 79 3,000 4,500 5,000 7,000 8,000 21

Public administration ......................................... 60 2,000 3,000 5,000 6,000 9,000 40

1 to 99 workers ...................................................... 65 3,000 3,750 4,000 5,000 7,000 35

1 to 49 workers .................................................. 72 3,000 3,900 3,900 5,000 7,000 28

50 to 99 workers ................................................ 58 3,000 3,500 4,500 5,000 6,000 42

100 workers or more .............................................. 65 1,500 3,900 5,000 6,500 10,000 35

100 to 499 workers ............................................ 61 3,000 4,000 5,000 6,000 9,000 39

500 workers or more .......................................... 67 1,500 3,500 5,000 7,000 10,000 33

State government .................................................. 65 800 3,900 5,000 6,000 8,000 35

Local government .................................................. 65 2,000 3,900 5,000 6,000 9,000 35

See footnotes at end of table.
Table 29. Long-term disability plans: Maximum benefit amounts, State and local government workers,

National Compensation Survey, March 2009—Continued

(All workers participating in fixed percent of earnings long-term disabilty plans = 100 percent)

Characteristics

With

maximum

benefit

amount

Maximum benefit amount1

With no

maximum

benefit

amount

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic areas

Middle Atlantic ....................................................... 77 $1,500 $3,750 $5,000 $6,500 $8,000 23

East North Central ................................................. 45 3,000 4,000 5,000 7,500 10,000 55

West North Central ................................................ 60 3,000 4,000 5,000 5,000 6,000 40

South Atlantic ........................................................ 83 800 3,000 3,900 5,000 8,000 17

Mountain ................................................................ 45 2,500 5,000 5,500 7,500 10,000 55

Pacific .................................................................... 60 3,000 4,500 5,000 8,000 10,000 40

1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within

each published series. For example, at the 50th percentile or median, half of

the participating workers receive the same as or more than the benefit shown,

and half receive the same as or less than the benefit shown. At the 25th

percentile, one-fourth of the participating workers receive the same or less

than the benefit shown. The remaining percentiles follow the same logic.

NOTE: Because of rounding, sums of individual items may not equal totals.

Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 29. Standard errors for long-term disability plans: Maximum benefit amounts, State and local

government workers, National Compensation Survey, March 2009

Characteristics

With

maximum

benefit

amount

Maximum benefit amount1

With no

maximum

benefit

amount

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. 2.5 $845.44 $495.50 $0.00 $366.14 $567.74 2.5

Worker characteristics

Management, professional, and related ................ 2.6 1,026.88 122.50 0.00 207.75 762.85 2.6

Professional and related .................................... 2.8 786.75 293.09 0.00 626.08 633.55 2.8

Teachers ........................................................ 3.1 644.15 462.81 0.00 892.66 1,239.74 3.1

Primary, secondary, and special education

school teachers ........................................ 3.6 632.99 690.30 664.98 414.73 313.58 3.6

Registered nurses ......................................... 4.9 1,607.01 624.82 0.00 1,185.99 619.92 4.9

Service ................................................................... 3.4 454.39 657.06 0.00 807.90 534.76 3.4

Protective service .............................................. 5.5 859.13 769.31 0.00 1,181.91 349.28 5.5

Sales and office ..................................................... 3.3 1,019.89 540.41 156.20 0.00 541.11 3.3

Office and administrative support ...................... 3.4 1,022.07 653.12 135.28 0.00 648.77 3.4

Natural resources, construction, and maintenance 5.5 1,336.90 855.14 206.64 924.12 344.36 5.5

Production, transportation, and material moving ... 6.2 1,208.14 269.44 1,105.09 1,162.34 1,028.11 6.2

Full time ................................................................. 2.5 922.84 634.53 0.00 301.26 547.83 2.5

Part time ................................................................ 5.5 642.07 702.92 0.00 994.85 774.91 5.5

Union ..................................................................... 2.7 293.13 279.15 0.00 919.20 872.23 2.7

Nonunion ............................................................... 3.0 2,127.60 141.92 312.41 276.79 856.46 3.0

Establishment characteristics

Service-providing industries .................................. 2.5 774.51 508.30 0.00 482.06 657.50 2.5

Education and health services ........................... 2.9 716.85 182.83 0.00 696.96 800.31 2.9

Educational services ...................................... 3.2 585.82 548.33 0.00 511.28 1,202.80 3.2

Elementary and secondary schools ........... 3.6 726.56 974.63 634.32 180.40 622.28 3.6

Junior colleges, colleges, and universities 4.8 628.91 943.46 773.18 698.57 0.00 4.8

Health care and social assistance ................. 4.3 1,822.38 475.08 0.00 1,348.26 462.06 4.3

Hospitals .................................................... 4.6 1,170.50 390.51 0.00 1,123.70 761.25 4.6

Public administration ......................................... 3.4 1,211.70 388.65 0.00 0.00 796.49 3.4

1 to 99 workers ...................................................... 5.3 78.10 706.96 960.88 0.00 1,299.88 5.3

1 to 49 workers .................................................. 6.5 0.00 1,176.21 1,250.91 156.20 680.88 6.5

50 to 99 workers ................................................ 7.3 756.44 512.47 579.22 312.41 1,461.16 7.3

100 workers or more .............................................. 2.4 721.68 514.55 0.00 789.89 1,137.75 2.4

100 to 499 workers ............................................ 4.4 639.75 238.75 0.00 398.25 340.35 4.4

500 workers or more .......................................... 2.5 676.14 712.44 0.00 938.02 462.06 2.5

State government .................................................. 4.1 2,338.96 1,006.99 0.00 800.31 573.93 4.1

Local government .................................................. 2.7 702.77 419.87 0.00 404.37 852.93 2.7

See footnotes at end of table.
Table 29. Standard errors for long-term disability plans: Maximum benefit amounts, State and local

government workers, National Compensation Survey, March 2009—Continued

Characteristics

With

maximum

benefit

amount

Maximum benefit amount1

With no

maximum

benefit

amount

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic areas

Middle Atlantic ....................................................... 5.9 $1,554.71 $900.72 $0.00 $809.79 $481.46 5.9

East North Central ................................................. 6.0 653.45 452.35 89.36 855.06 659.40 6.0

West North Central ................................................ 11.0 156.20 534.02 0.00 224.33 309.96 11.0

South Atlantic ........................................................ 2.9 31.24 2,409.53 0.00 234.31 0.00 2.9

Mountain ................................................................ 9.0 732.67 0.00 777.11 667.31 1,787.85 9.0

Pacific .................................................................... 4.2 604.58 683.03 78.10 2,495.62 0.00 4.2

1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within

each published series. For example, at the 50th percentile or median, half of

the participating workers receive the same as or more than the benefit shown,

and half receive the same as or less than the benefit shown. At the 25th

percentile, one-fourth of the participating workers receive the same or less

than the benefit shown. The remaining percentiles follow the same logic.

NOTE: Dash indicates no workers in this category or data did not meet

publication criteria. For definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 30. Leave benefits: Access, State and local government workers,

National Compensation Survey, March 2009

(All workers = 100 percent)

Characteristics Paid

holidays

Paid sick

leave

Paid

vacations

Paid jury

duty

leave

All workers ............................................................. 68 89 60 91

Worker characteristics

Management, professional, and related ................ 56 90 44 92

Professional and related .................................... 51 90 37 92

Teachers ........................................................ 32 88 12 91

Primary, secondary, and special education

school teachers ........................................ 28 93 9 95

Registered nurses ......................................... 81 92 79 93

Service ................................................................... 77 85 75 88

Protective service .............................................. 86 89 87 92

Sales and office ..................................................... 87 90 85 91

Office and administrative support ...................... 87 91 86 92

Natural resources, construction, and maintenance 95 94 95 91

Production, transportation, and material moving ... 76 88 64 87

Full time ................................................................. 75 98 67 97

Part time ................................................................ 31 42 20 58

Union ..................................................................... 70 97 57 98

Nonunion ............................................................... 66 83 62 85

Wage percentiles:1

Lowest 10 percent ............................................. 46 60 39 67

Lowest 25 percent ............................................. 63 75 55 79

Second 25 percent ............................................ 87 92 84 93

Third 25 percent ................................................ 77 94 72 94

Highest 25 percent ............................................ 51 96 37 97

Highest 10 percent ............................................ 47 98 35 97

Establishment characteristics

Service-providing industries .................................. 68 89 60 91

Education and health services ........................... 56 90 43 92

Educational services ...................................... 51 90 36 92

Elementary and secondary schools ........... 43 90 27 93

Junior colleges, colleges, and universities 78 88 66 89

Health care and social assistance ................. 91 91 91 91

Hospitals .................................................... 93 92 94 91

Public administration ......................................... 87 89 88 90

1 to 99 workers ...................................................... 70 79 66 81

1 to 49 workers .................................................. 69 73 69 76

50 to 99 workers ................................................ 71 88 63 87

100 workers or more .............................................. 67 91 59 92

100 to 499 workers ............................................ 63 87 59 87

500 workers or more .......................................... 69 92 59 94

See footnotes at end of table.
Table 30. Leave benefits: Access, State and local government workers,

National Compensation Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics Paid

holidays

Paid sick

leave

Paid

vacations

Paid jury

duty

leave

State government .................................................. 91 94 86 94

Local government .................................................. 60 88 51 90

Geographic areas

New England ......................................................... 55 87 49 89

Middle Atlantic ....................................................... 63 90 58 92

East North Central ................................................. 65 85 53 88

West North Central ................................................ 68 88 55 87

South Atlantic ........................................................ 78 93 67 91

East South Central ................................................ 75 92 69 89

West South Central ............................................... 53 86 52 88

Mountain ................................................................ 59 84 55 93

Pacific .................................................................... 76 93 67 96

1 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 30. Standard errors for leave benefits: Access, State and local

government workers, National Compensation Survey, March 2009

Characteristics Paid

holidays

Paid sick

leave

Paid

vacations

Paid jury

duty

leave

All workers ............................................................. 0.9 0.6 0.8 0.6

Worker characteristics

Management, professional, and related ................ 1.3 0.7 1.1 0.8

Professional and related .................................... 1.5 0.8 1.1 0.8

Teachers ........................................................ 1.8 0.9 1.2 0.7

Primary, secondary, and special education

school teachers ........................................ 1.8 1.0 1.3 0.7

Registered nurses ......................................... 3.2 1.9 3.2 3.6

Service ................................................................... 1.3 1.2 1.3 1.1

Protective service .............................................. 1.5 1.0 1.2 1.0

Sales and office ..................................................... 1.3 1.2 1.4 1.3

Office and administrative support ...................... 1.4 1.1 1.3 1.2

Natural resources, construction, and maintenance 1.6 1.8 1.7 1.9

Production, transportation, and material moving ... 2.8 2.9 3.7 4.2

Full time ................................................................. 1.0 0.3 0.8 0.6

Part time ................................................................ 1.6 1.7 1.8 2.0

Union ..................................................................... 1.1 0.4 1.2 0.5

Nonunion ............................................................... 1.4 0.9 1.2 1.0

Wage percentiles:1

Lowest 10 percent ............................................. 2.2 2.6 2.2 2.2

Lowest 25 percent ............................................. 1.4 1.4 1.6 1.5

Second 25 percent ............................................ 1.0 0.9 1.1 0.8

Third 25 percent ................................................ 1.9 1.1 2.0 1.3

Highest 25 percent ............................................ 1.6 0.6 1.2 0.4

Highest 10 percent ............................................ 2.3 0.4 1.9 0.7

Establishment characteristics

Service-providing industries .................................. 0.9 0.6 0.8 0.6

Education and health services ........................... 1.2 0.6 1.2 0.8

Educational services ...................................... 1.3 0.6 1.4 0.6

Elementary and secondary schools ........... 1.4 0.8 1.1 0.7

Junior colleges, colleges, and universities 1.8 1.7 2.6 1.5

Health care and social assistance ................. 1.7 1.7 1.6 4.3

Hospitals .................................................... 1.5 1.7 1.3 6.1

Public administration ......................................... 1.2 1.2 1.2 1.2

1 to 99 workers ...................................................... 2.3 2.1 2.4 2.3

1 to 49 workers .................................................. 3.7 3.4 3.6 3.6

50 to 99 workers ................................................ 2.4 1.8 2.9 2.6

100 workers or more .............................................. 1.0 0.5 0.9 0.6

100 to 499 workers ............................................ 1.9 1.1 1.8 1.3

500 workers or more .......................................... 1.0 0.5 1.0 0.8

See footnotes at end of table.
Table 30. Standard errors for leave benefits: Access, State and local

government workers, National Compensation Survey, March

2009—Continued

Characteristics Paid

holidays

Paid sick

leave

Paid

vacations

Paid jury

duty

leave

State government .................................................. 1.0 0.9 1.1 1.5

Local government .................................................. 0.9 0.7 0.9 0.7

Geographic areas

New England ......................................................... 4.8 3.2 3.6 2.5

Middle Atlantic ....................................................... 1.5 0.7 1.8 0.9

East North Central ................................................. 2.0 2.0 1.8 1.4

West North Central ................................................ 3.1 2.1 3.2 2.8

South Atlantic ........................................................ 2.4 1.1 2.0 1.6

East South Central ................................................ 4.5 1.7 3.3 3.7

West South Central ............................................... 3.6 2.0 2.5 2.1

Mountain ................................................................ 3.4 2.9 3.4 2.6

Pacific .................................................................... 1.4 1.0 2.1 0.8

1 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 31. Paid holidays: Number of days provided, State and local government workers, National Compensation Survey,

March 2009

(All workers with paid holidays = 100 percent)

Characteristics

Paid holidays

Mean

number of

days

Median

number of

days

Less

than 6

days

6

days

7

days

8

days

9

days

10

days

11

days

12

days

13

days

14

days

Greater

than 14

days

All workers ............................................................. 4 5 3 3 8 15 17 18 13 5 9 11 11

Worker characteristics

Management, professional, and related ................ 6 7 3 4 9 14 16 16 12 5 9 11 11

Professional and related .................................... 7 9 3 4 8 14 14 16 11 5 9 11 11

Teachers ........................................................ 14 16 5 3 9 11 13 10 5 5 10 10 10

Primary, secondary, and special education

school teachers ........................................ 16 22 – – 5 12 11 6 – – 11 10 10

Registered nurses ......................................... 5 11 4 – 6 – – 17 8 6 4 10 10

Service ................................................................... 2 3 3 3 7 16 18 17 16 6 9 11 11

Protective service .............................................. 1 – 1 2 8 17 24 18 20 5 5 11 11

Sales and office ..................................................... 1 2 3 3 8 15 18 22 14 6 8 11 12

Office and administrative support ...................... 1 2 2 3 8 15 18 22 14 6 8 12 12

Natural resources, construction, and maintenance – 2 1 – 7 20 25 21 12 3 6 11 11

Production, transportation, and material moving ... 8 4 – 4 7 15 20 17 11 – 5 11 11

Full time ................................................................. 3 5 3 3 8 15 18 18 13 5 8 11 11

Part time ................................................................ 8 – 5 – 9 15 12 10 8 6 11 11 10

Union ..................................................................... 3 6 2 1 6 12 17 20 18 6 8 11 12

Nonunion ............................................................... 4 4 3 5 9 18 18 16 9 5 9 11 11

Wage percentiles:1

Lowest 10 percent ............................................. 7 9 5 9 8 17 15 12 5 – – 10 10

Lowest 25 percent ............................................. 5 6 4 6 9 17 16 15 8 4 10 11 11

Second 25 percent ............................................ 1 2 2 2 9 18 18 20 13 5 9 11 11

Third 25 percent ................................................ 2 7 2 2 6 15 20 18 14 7 7 11 11

Highest 25 percent ............................................ 7 5 3 3 7 11 15 17 18 5 9 11 11

Highest 10 percent ............................................ 5 1 4 4 11 10 13 16 19 7 10 11 12

Establishment characteristics

Service-providing industries .................................. 4 5 3 3 8 15 17 18 13 5 9 11 11

Education and health services ........................... 7 9 4 5 7 13 12 13 11 7 13 11 11

Educational services ...................................... 7 8 3 4 7 13 12 10 11 7 16 11 11

Elementary and secondary schools ........... 10 12 4 2 7 13 12 9 10 7 14 11 11

Junior colleges, colleges, and universities 2 1 – – 8 – – 13 13 8 18 12 12

Health care and social assistance ................. 4 12 6 8 6 13 – 23 11 5 – 10 11

Hospitals .................................................... – 16 9 11 5 7 – 22 9 4 3 10 10

Public administration ......................................... 2 ( ) – – 1 9 16 22 24 18 4 4 11 12

1 to 99 workers ...................................................... 3 2 5 4 10 22 23 14 11 4 4 11 11

1 to 49 workers .................................................. – – – 6 5 26 25 16 11 4 4 11 11

50 to 99 workers ................................................ 6 – 9 – 16 15 19 11 12 4 4 10 10

100 workers or more .............................................. 4 5 2 3 7 14 17 18 13 6 9 11 11

100 to 499 workers ............................................ 6 4 5 3 9 18 19 17 10 5 5 11 11

500 workers or more .......................................... 3 6 2 3 7 13 16 19 15 6 11 11 11

See footnotes at end of table.
Table 31. Paid holidays: Number of days provided, State and local government workers, National Compensation Survey,

March 2009—Continued

(All workers with paid holidays = 100 percent)

Characteristics

Paid holidays

Mean

number of

days

Median

number of

days

Less

than 6

days

6

days

7

days

8

days

9

days

10

days

11

days

12

days

13

days

14

days

Greater

than 14

days

State government .................................................. 1 2 ( ) – – 11 16 16 22 15 5 10 12 12

Local government .................................................. 5 7 4 3 6 15 18 16 12 6 8 11 11

Geographic areas

New England ......................................................... – – 4 – – 16 14 27 29 2 4 12 12

Middle Atlantic ....................................................... 1 – 1 – 4 – 14 29 17 7 15 13 12

East North Central ................................................. 7 2 4 3 16 23 10 17 6 7 3 10 10

West North Central ................................................ 5 6 – – – 21 – – 4 1 – 10 10

South Atlantic ........................................................ 2 12 2 2 – 14 23 22 9 3 – 10 11

East South Central ................................................ 13 5 – – 4 – 11 – 5 2 – 11 11

West South Central ............................................... 3 4 4 6 7 13 18 7 6 8 24 12 11

Mountain ................................................................ – – – – 4 29 34 9 – – – 11 11

Pacific .................................................................... 2 – 2 – – 10 15 13 30 10 8 12 12

1 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details. 2 Less than 0.5 percent.

NOTE: Because of rounding, sums of individual items may not equal totals. Dash

indicates no workers in this category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 31. Standard errors for paid holidays: Number of days provided, State and local government workers, National

Compensation Survey, March 2009

Characteristics

Paid holidays

Mean

number of

days

Median

number of

days

Less

than 6

days

6

days

7

days

8

days

9

days

10

days

11

days

12

days

13

days

14

days

Greater

than 14

days

All workers ............................................................. 0.4 0.6 0.6 0.7 1.2 1.1 1.6 1.1 0.8 0.5 0.8 0.1 0.0

Worker characteristics

Management, professional, and related ................ 0.7 1.2 0.8 0.7 1.5 1.3 2.1 1.2 1.1 0.6 0.6 0.1 0.0

Professional and related .................................... 0.8 1.3 1.0 0.8 1.3 1.4 2.3 1.2 1.3 0.8 0.6 0.1 0.0

Teachers ........................................................ 1.9 3.2 2.2 1.2 1.8 2.0 2.7 1.5 1.9 2.1 1.8 0.3 0.2

Primary, secondary, and special education

school teachers ........................................ 2.5 4.6 – – 1.0 2.7 2.8 1.5 – – 1.4 0.4 1.3

Registered nurses ......................................... 2.5 2.4 2.0 – 2.1 – – 4.1 2.3 1.3 1.2 0.3 1.1

Service ................................................................... 0.3 0.8 0.6 0.6 1.2 1.3 1.5 1.6 1.3 0.7 1.4 0.1 0.3

Protective service .............................................. 0.2 – 0.4 0.6 2.1 2.3 2.3 2.8 1.9 1.1 0.9 0.1 0.3

Sales and office ..................................................... 0.5 0.5 0.6 0.9 1.6 1.5 2.1 2.0 1.2 0.7 1.8 0.1 0.8

Office and administrative support ...................... 0.5 0.5 0.6 0.9 1.7 1.5 2.1 2.0 1.2 0.7 1.8 0.1 1.0

Natural resources, construction, and maintenance – 0.5 0.4 – 1.9 2.6 3.7 2.5 1.6 0.7 1.3 0.1 0.0

Production, transportation, and material moving ... 2.4 1.2 – 1.9 2.0 3.3 4.2 2.5 1.9 – 1.7 0.2 0.0

Full time ................................................................. 0.4 0.6 0.5 0.6 1.2 1.1 1.7 1.2 0.8 0.5 0.8 0.1 0.0

Part time ................................................................ 2.0 – 2.0 – 1.8 2.6 2.6 1.9 2.1 0.8 1.5 0.3 1.0

Union ..................................................................... 0.6 1.1 0.7 0.4 1.3 1.0 1.7 1.5 1.1 0.6 0.7 0.1 0.3

Nonunion ............................................................... 0.6 0.7 0.7 1.3 1.6 1.8 2.0 1.4 1.1 0.7 1.3 0.1 0.0

Wage percentiles:1

Lowest 10 percent ............................................. 1.2 1.8 1.7 2.5 1.8 3.0 2.3 2.5 1.3 – – 0.3 0.3

Lowest 25 percent ............................................. 0.9 0.9 0.9 1.8 1.5 1.7 1.8 1.8 1.0 0.5 1.8 0.2 0.2

Second 25 percent ............................................ 0.3 0.4 0.5 0.6 1.7 1.3 2.5 1.8 1.2 0.5 1.8 0.1 0.1

Third 25 percent ................................................ 0.6 1.3 0.4 0.5 1.2 1.6 2.0 1.4 1.4 1.1 0.6 0.1 0.0

Highest 25 percent ............................................ 1.1 1.2 1.3 0.7 1.1 1.3 1.8 1.3 1.1 0.8 1.3 0.2 0.6

Highest 10 percent ............................................ 1.6 0.5 1.1 1.3 1.8 2.7 3.1 1.5 1.5 1.4 1.3 0.2 1.0

Establishment characteristics

Service-providing industries .................................. 0.4 0.6 0.6 0.7 1.2 1.1 1.6 1.1 0.8 0.5 0.8 0.1 0.0

Education and health services ........................... 0.8 1.1 1.0 1.3 0.9 1.6 2.7 1.0 0.9 0.8 1.4 0.2 0.0

Educational services ...................................... 1.0 1.2 1.2 1.5 1.0 1.8 2.4 1.0 1.0 1.0 1.7 0.2 0.0

Elementary and secondary schools ........... 1.3 1.8 1.2 0.7 1.0 1.6 1.6 1.0 1.3 1.3 1.2 0.2 1.0

Junior colleges, colleges, and universities 1.0 0.2 – – 2.5 – – 2.5 1.7 1.4 4.1 0.3 0.9

Health care and social assistance ................. 1.7 2.4 1.8 1.8 1.2 2.6 – 2.4 1.6 0.9 – 0.2 0.4

Hospitals .................................................... – 3.3 2.6 2.7 1.2 0.8 – 3.0 2.0 1.0 1.1 0.3 1.1

Public administration ......................................... 2 ( ) – – 0.3 2.4 1.8 1.7 2.1 1.3 0.5 0.6 0.1 0.7

1 to 99 workers ...................................................... 0.8 0.8 1.2 1.5 2.4 3.0 3.2 2.4 1.8 0.9 0.8 0.1 0.1

1 to 49 workers .................................................. – – – 2.3 1.9 4.0 4.1 3.5 2.2 0.8 1.3 0.1 0.0

50 to 99 workers ................................................ 1.8 – 2.6 – 4.9 2.7 4.0 2.8 2.5 1.7 0.7 0.2 0.8

100 workers or more .............................................. 0.5 0.7 0.6 0.8 1.2 1.2 1.7 1.2 0.8 0.5 0.8 0.1 0.0

100 to 499 workers ............................................ 1.1 0.9 1.5 0.8 1.6 2.5 2.2 2.0 1.6 0.7 0.9 0.2 0.0

500 workers or more .......................................... 0.5 0.9 0.5 1.0 1.3 1.3 2.2 1.3 0.9 0.6 1.1 0.1 0.7

See footnotes at end of table.
Table 31. Standard errors for paid holidays: Number of days provided, State and local government workers, National

Compensation Survey, March 2009—Continued

Characteristics

Paid holidays

Mean

number of

days

Median

number of

days

Less

than 6

days

6

days

7

days

8

days

9

days

10

days

11

days

12

days

13

days

14

days

Greater

than 14

days

State government .................................................. 0.2 2 ( ) – – 2.9 2.5 4.2 2.7 1.3 0.6 2.0 0.1 0.8

Local government .................................................. 0.6 0.9 0.8 0.6 0.7 1.2 1.2 0.9 0.8 0.6 0.5 0.1 0.0

Geographic areas

New England ......................................................... – – 1.5 – – 3.7 2.7 6.6 5.4 0.9 1.2 0.1 0.0

Middle Atlantic ....................................................... 0.2 – 0.6 – 0.3 – 2.3 2.0 1.6 0.5 0.9 0.2 0.0

East North Central ................................................. 1.7 1.0 0.9 0.7 3.0 3.1 1.6 3.5 1.2 1.1 0.9 0.2 0.0

West North Central ................................................ 1.1 1.2 – – – 2.8 – – 1.3 0.2 – 0.3 0.9

South Atlantic ........................................................ 0.5 1.9 0.6 0.7 – 1.7 3.5 2.9 1.6 1.5 – 0.2 0.0

East South Central ................................................ 3.4 2.7 – – 1.5 – 2.2 – 2.1 0.9 – 0.6 1.1

West South Central ............................................... 0.7 1.9 1.5 1.5 0.9 3.3 3.5 2.4 1.4 1.7 3.7 0.3 0.2

Mountain ................................................................ – – – – 1.5 6.3 5.3 2.0 – – – 0.4 0.0

Pacific .................................................................... 0.8 – 0.7 – – 1.7 1.8 1.4 2.2 1.1 0.9 0.2 0.2

1 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The percentile

values are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more details. 2 Less than 0.05.

NOTE: Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 32. Paid sick leave: Type of provision, State and local

government workers, National Compensation Survey, March 2009

(All workers with paid sick leave = 100 percent)

Characteristics

Sick leave provision

Fixed numer

of days per

year1

As needed2 Other basis3

All workers ............................................................. 81 4 15

Worker characteristics

Management, professional, and related ................ 81 4 15

Professional and related .................................... 81 4 15

Teachers ........................................................ 83 3 14

Primary, secondary, and special education

school teachers ........................................ 83 2 14

Registered nurses ......................................... 72 – –

Service ................................................................... 80 4 16

Protective service .............................................. 79 7 14

Sales and office ..................................................... 82 4 15

Office and administrative support ...................... 82 4 15

Natural resources, construction, and maintenance 79 4 17

Production, transportation, and material moving ... 78 4 18

Full time ................................................................. 81 4 15

Part time ................................................................ 77 6 18

Union ..................................................................... 82 4 13

Nonunion ............................................................... 79 4 17

Wage percentiles:4

Lowest 10 percent ............................................. 81 2 17

Lowest 25 percent ............................................. 81 3 17

Second 25 percent ............................................ 82 4 15

Third 25 percent ................................................ 78 4 18

Highest 25 percent ............................................ 82 5 13

Highest 10 percent ............................................ 86 5 9

Establishment characteristics

Service-providing industries .................................. 81 4 15

Education and health services ........................... 82 3 15

Educational services ...................................... 84 2 14

Elementary and secondary schools ........... 83 2 15

Junior colleges, colleges, and universities 85 4 11

Health care and social assistance ................. 68 8 24

Hospitals .................................................... 68 4 28

Public administration ......................................... 80 5 15

1 to 99 workers ...................................................... 78 6 16

1 to 49 workers .................................................. 79 7 14

50 to 99 workers ................................................ 77 – –

100 workers or more .............................................. 81 4 15

100 to 499 workers ............................................ 82 5 14

500 workers or more .......................................... 81 3 16

See footnotes at end of table.
Table 32. Paid sick leave: Type of provision, State and local

government workers, National Compensation Survey, March

2009—Continued

(All workers with paid sick leave = 100 percent)

Characteristics

Sick leave provision

Fixed numer

of days per

year1

As needed2 Other basis3

State government .................................................. 85 5 10

Local government .................................................. 79 3 17

Geographic areas

New England ......................................................... 86 – –

Middle Atlantic ....................................................... 89 3 9

East North Central ................................................. 81 6 13

West North Central ................................................ 82 3 15

South Atlantic ........................................................ 70 3 27

East South Central ................................................ 82 – 17

West South Central ............................................... 81 4 15

Mountain ................................................................ 86 – –

Pacific .................................................................... 83 5 12

1 Employees earn or accrue a specified number

of sick leave days per year. This number may vary

by length of service. 2 Plan does not specify maximum number of

days. 3 Includes sick leave plans, such as those

available as part of consolidated leave plans, which

may also provide vacations, personal leave, etc. 4 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Because of rounding, sums of individual

items may not equal totals. Dash indicates no

workers in this category or data did not meet

publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 32. Standard errors for paid sick leave: Type of provision, State

and local government workers, National Compensation Survey, March

2009

Characteristics

Sick leave provision

Fixed numer

of days per

year1

As needed2 Other basis3

All workers ............................................................. 1.1 0.5 1.0

Worker characteristics

Management, professional, and related ................ 1.3 0.6 1.1

Professional and related .................................... 1.4 0.7 1.2

Teachers ........................................................ 1.6 0.6 1.5

Primary, secondary, and special education

school teachers ........................................ 1.9 0.7 1.8

Registered nurses ......................................... 4.7 – –

Service ................................................................... 1.4 0.5 1.3

Protective service .............................................. 2.1 0.9 1.9

Sales and office ..................................................... 1.6 0.8 1.3

Office and administrative support ...................... 1.6 0.8 1.4

Natural resources, construction, and maintenance 2.6 0.7 2.5

Production, transportation, and material moving ... 3.6 1.5 3.8

Full time ................................................................. 1.1 0.4 1.0

Part time ................................................................ 2.9 1.7 2.6

Union ..................................................................... 1.3 0.6 1.3

Nonunion ............................................................... 1.7 0.7 1.5

Wage percentiles:4

Lowest 10 percent ............................................. 2.2 0.7 2.2

Lowest 25 percent ............................................. 1.7 0.5 1.7

Second 25 percent ............................................ 1.4 0.7 1.3

Third 25 percent ................................................ 1.6 0.6 1.4

Highest 25 percent ............................................ 1.2 0.8 1.0

Highest 10 percent ............................................ 1.7 1.4 1.0

Establishment characteristics

Service-providing industries .................................. 1.1 0.5 1.0

Education and health services ........................... 1.5 0.6 1.3

Educational services ...................................... 1.6 0.5 1.5

Elementary and secondary schools ........... 1.8 0.6 1.7

Junior colleges, colleges, and universities 2.6 0.8 2.3

Health care and social assistance ................. 3.5 2.9 3.2

Hospitals .................................................... 4.8 1.7 4.9

Public administration ......................................... 1.4 0.8 1.3

1 to 99 workers ...................................................... 3.0 1.7 2.8

1 to 49 workers .................................................. 4.0 2.0 3.9

50 to 99 workers ................................................ 4.3 – –

100 workers or more .............................................. 1.2 0.5 1.1

100 to 499 workers ............................................ 1.8 1.2 1.6

500 workers or more .......................................... 1.4 0.5 1.3

See footnotes at end of table.
Table 32. Standard errors for paid sick leave: Type of provision, State

and local government workers, National Compensation Survey, March

2009—Continued

Characteristics

Sick leave provision

Fixed numer

of days per

year1

As needed2 Other basis3

State government .................................................. 1.7 1.1 1.3

Local government .................................................. 1.3 0.5 1.2

Geographic areas

New England ......................................................... 4.4 – –

Middle Atlantic ....................................................... 1.1 0.9 0.9

East North Central ................................................. 3.0 2.0 2.9

West North Central ................................................ 3.9 1.3 3.0

South Atlantic ........................................................ 4.0 0.9 3.4

East South Central ................................................ 3.2 – 3.7

West South Central ............................................... 3.0 0.9 2.9

Mountain ................................................................ 4.3 – –

Pacific .................................................................... 1.3 1.5 0.9

1 Employees earn or accrue a specified number

of sick leave days per year. This number may vary

by length of service. 2 Plan does not specify maximum number of

days. 3 Includes sick leave plans, such as those

available as part of consolidated leave plans, which

may also provide vacations, personal leave, etc. 4 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category

or data did not meet publication criteria. For

definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee

Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 33. Paid sick leave: Number of annual days by service requirement,1 State and local government

workers, National Compensation Survey, March 2009

(All workers with fixed number of days per year sick leave plans = 100 percent)

Characteristics

Paid sick leave days by length of service2

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 29

days

Greater

than 29

days

After 1 year

All workers ............................................................. 10 15 59 15 3 ( ) 11 12

Full time ................................................................. 10 15 60 16 3 ( ) 11 12

Part time ................................................................ 14 19 53 14 – 10 11

Union ..................................................................... 8 10 63 18 3 ( ) 11 12

Nonunion ............................................................... 12 20 55 13 – 10 12

1 to 99 workers ...................................................... 8 18 56 18 – 11 12

1 to 49 workers .................................................. 6 21 55 17 – 11 12

50 to 99 workers ................................................ 11 13 56 19 – 11 12

100 workers or more .............................................. 10 15 60 15 3 ( ) 11 12

100 to 499 workers ............................................ 8 13 61 18 – 11 12

500 workers or more .......................................... 11 15 59 14 3 ( ) 11 12

After 5 years

All workers ............................................................. 10 15 58 17 3 ( ) 11 12

Full time ................................................................. 10 14 58 18 3 ( ) 11 12

Part time ................................................................ 14 19 54 14 – 10 11

Union ..................................................................... 8 9 62 21 3 ( ) 12 12

Nonunion ............................................................... 12 20 54 14 – 10 12

1 to 99 workers ...................................................... 8 16 54 21 – 11 12

1 to 49 workers .................................................. – 19 54 21 – 11 12

50 to 99 workers ................................................ 11 13 54 22 – 11 12

100 workers or more .............................................. 10 14 58 17 3 ( ) 11 12

100 to 499 workers ............................................ 8 13 59 20 – 11 12

500 workers or more .......................................... 11 15 58 16 3 ( ) 11 12

See footnotes at end of table.
Table 33. Paid sick leave: Number of annual days by service requirement,1 State and local government

workers, National Compensation Survey, March 2009—Continued

(All workers with fixed number of days per year sick leave plans = 100 percent)

Characteristics

Paid sick leave days by length of service2

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 29

days

Greater

than 29

days

After 10 years

All workers ............................................................. 10 15 57 18 3 ( ) 11 12

Full time ................................................................. 10 15 57 18 3 ( ) 11 12

Part time ................................................................ 13 19 54 14 – 10 11

Union ..................................................................... 8 9 61 21 3 ( ) 12 12

Nonunion ............................................................... 12 21 52 15 – 10 12

1 to 99 workers ...................................................... 8 17 53 22 – 11 12

1 to 49 workers .................................................. – 19 52 22 – 12 12

50 to 99 workers ................................................ 11 13 53 23 – 11 12

100 workers or more .............................................. 10 15 57 18 3 ( ) 11 12

100 to 499 workers ............................................ 8 12 59 21 – 12 12

500 workers or more .......................................... 11 16 57 16 3 ( ) 11 12

After 20 years

All workers ............................................................. 10 15 57 18 1 11 12

Full time ................................................................. 9 15 57 18 1 11 12

Part time ................................................................ 13 19 54 14 – 10 11

Union ..................................................................... 7 9 62 21 1 12 12

Nonunion ............................................................... 12 21 52 15 – 10 12

1 to 99 workers ...................................................... 8 17 52 23 – 11 12

1 to 49 workers .................................................. – 20 52 22 – 12 12

50 to 99 workers ................................................ 11 13 52 24 – 11 12

100 workers or more .............................................. 10 15 57 18 1 11 12

100 to 499 workers ............................................ 8 12 59 20 2 12 12

500 workers or more .......................................... 10 16 57 17 – 11 12

1 Employees either are granted a specific number of days after completion

of the indicated length of service or accrue days during the next 12-month

period. The total number of days is assumed to be available for use

immediately upon completion of the service interval. Periods of service are

chosen arbitrarily and do not necessarily reflect individual provisions for

progression. 2 Employees eligible for paid sick leave but who have not fulfilled the

minimum service requirement are included as receiving 0 days.

3 Less than 0.5 percent.

NOTE: Because of rounding, sums of individual items may not equal totals.

Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table. 33 Standard errors for paid sick leave: Number of annual days by service requirement,1 State and

local government workers, National Compensation Survey, March 2009

Characteristics

Paid sick leave days by length of service2

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 29

days

Greater

than 29

days

After 1 year

All workers ............................................................. 1.8 1.0 1.6 1.1 3 ( ) 0.2 0.0

Full time ................................................................. 1.8 1.0 1.7 1.1 3 ( ) 0.2 0.0

Part time ................................................................ 2.3 1.6 3.1 2.9 – 0.3 0.7

Union ..................................................................... 2.0 0.9 1.9 1.5 3 ( ) 0.2 0.0

Nonunion ............................................................... 2.1 1.5 2.2 1.3 – 0.2 0.0

1 to 99 workers ...................................................... 1.9 2.4 3.0 2.7 – 0.3 0.0

1 to 49 workers .................................................. 2.8 3.9 4.3 3.6 – 0.5 0.0

50 to 99 workers ................................................ 2.6 3.1 4.1 3.6 – 0.4 0.0

100 workers or more .............................................. 1.9 1.1 1.8 1.2 3 ( ) 0.2 0.0

100 to 499 workers ............................................ 1.7 1.9 2.3 2.1 – 0.3 0.0

500 workers or more .......................................... 2.3 1.3 2.1 1.3 3 ( ) 0.3 0.0

After 5 years

All workers ............................................................. 1.8 1.0 1.7 1.3 3 ( ) 0.2 0.0

Full time ................................................................. 1.8 1.0 1.8 1.3 3 ( ) 0.2 0.0

Part time ................................................................ 2.2 1.7 3.0 2.8 – 0.3 0.6

Union ..................................................................... 2.0 0.9 1.8 1.7 3 ( ) 0.2 0.0

Nonunion ............................................................... 2.1 1.6 2.5 1.4 – 0.2 0.0

1 to 99 workers ...................................................... 1.9 2.3 3.6 3.1 – 0.3 0.0

1 to 49 workers .................................................. – 3.8 4.6 3.7 – 0.5 0.0

50 to 99 workers ................................................ 2.6 3.1 4.7 4.6 – 0.4 0.0

100 workers or more .............................................. 2.0 1.1 1.9 1.3 3 ( ) 0.2 0.0

100 to 499 workers ............................................ 1.7 2.0 2.7 2.7 – 0.3 0.0

500 workers or more .......................................... 2.3 1.3 2.1 1.5 3 ( ) 0.3 0.0

See footnotes at end of table.
Table. 33 Standard errors for paid sick leave: Number of annual days by service requirement,1 State and

local government workers, National Compensation Survey, March 2009—Continued

Characteristics

Paid sick leave days by length of service2

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 29

days

Greater

than 29

days

After 10 years

All workers ............................................................. 1.8 1.6 2.0 1.3 3 ( ) 0.2 0.0

Full time ................................................................. 1.8 1.7 2.0 1.2 3 ( ) 0.2 0.0

Part time ................................................................ 2.2 1.7 3.1 2.7 – 0.3 0.4

Union ..................................................................... 2.0 0.9 1.9 1.6 3 ( ) 0.3 0.0

Nonunion ............................................................... 2.1 3.0 2.7 1.4 – 0.2 0.0

1 to 99 workers ...................................................... 1.9 2.2 3.3 2.9 – 0.3 0.0

1 to 49 workers .................................................. – 3.7 4.8 3.6 – 0.5 0.0

50 to 99 workers ................................................ 2.6 3.1 4.5 4.4 – 0.4 0.0

100 workers or more .............................................. 2.0 1.8 2.0 1.3 3 ( ) 0.2 0.0

100 to 499 workers ............................................ 1.7 2.0 2.6 2.6 – 0.3 0.0

500 workers or more .......................................... 2.3 2.2 2.3 1.4 3 ( ) 0.3 0.0

After 20 years

All workers ............................................................. 1.8 1.6 2.0 1.2 0.2 0.2 0.0

Full time ................................................................. 1.8 1.7 2.0 1.2 0.2 0.2 0.0

Part time ................................................................ 2.2 1.7 3.1 2.7 – 0.3 0.5

Union ..................................................................... 2.0 0.9 1.9 1.5 0.4 0.3 0.0

Nonunion ............................................................... 2.1 3.0 2.7 1.4 – 0.2 0.0

1 to 99 workers ...................................................... 1.9 2.2 3.3 3.0 – 0.3 0.0

1 to 49 workers .................................................. – 3.7 4.8 3.8 – 0.5 0.0

50 to 99 workers ................................................ 2.6 3.1 4.5 4.4 – 0.4 0.0

100 workers or more .............................................. 2.0 1.8 2.0 1.3 0.3 0.2 0.0

100 to 499 workers ............................................ 1.7 2.0 2.7 2.5 0.7 0.3 0.0

500 workers or more .......................................... 2.3 2.2 2.2 1.3 – 0.3 0.0

1 Employees either are granted a specific number of days after completion

of the indicated length of service or accrue days during the next 12-month

period. The total number of days is assumed to be available for use

immediately upon completion of the service interval. Periods of service are

chosen arbitrarily and do not necessarily reflect individual provisions for

progression. 2 Employees eligible for paid sick leave but who have not fulfilled the

minimum service requirement are included as receiving 0 days. 3 Less than 0.05.

NOTE: Dash indicates no workers in this category or data did not meet

publication criteria. For definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 34. Paid vacations: Number of annual days by service requirement,1 State and local government workers,

National Compensation Survey, March 2009

(All workers with paid vacations = 100 percent)

Characteristics

Paid vacations days by length of service2

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 19

days

20 to 24

days

Greater

than 24

days

After 1 year

All workers ............................................................. 5 12 57 16 8 2 12 12

Full time ................................................................. 5 11 58 16 8 2 12 12

Part time ................................................................ 7 29 41 12 – – 11 10

Union ..................................................................... 3 14 59 14 6 4 12 11

Nonunion ............................................................... 6 10 56 17 10 1 12 12

1 to 99 workers ...................................................... 6 18 60 11 4 – 11 10

1 to 49 workers .................................................. – 23 58 9 4 – 11 10

50 to 99 workers ................................................ 8 10 64 14 4 – 11 11

100 workers or more .............................................. 5 11 57 17 9 3 12 12

100 to 499 workers ............................................ 5 14 59 14 7 – 12 11

500 workers or more .......................................... 5 9 56 17 9 3 13 12

After 5 years

All workers ............................................................. 2 4 27 49 13 5 15 15

Full time ................................................................. 2 4 26 50 13 5 15 15

Part time ................................................................ – 10 46 27 – 6 13 12

Union ..................................................................... 1 6 24 53 9 7 15 15

Nonunion ............................................................... 3 2 30 46 15 4 15 15

1 to 99 workers ...................................................... – 4 34 53 6 – 14 15

1 to 49 workers .................................................. – 4 36 48 7 – 14 15

50 to 99 workers ................................................ – – 31 60 4 – 14 15

100 workers or more .............................................. 2 4 26 49 14 6 16 15

100 to 499 workers ............................................ 1 3 33 49 10 3 15 15

500 workers or more .......................................... 2 4 24 49 15 6 16 15

See footnotes at end of table.
Table 34. Paid vacations: Number of annual days by service requirement,1 State and local government workers,

National Compensation Survey, March 2009—Continued

(All workers with paid vacations = 100 percent)

Characteristics

Paid vacations days by length of service2

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 19

days

20 to 24

days

Greater

than 24

days

After 10 years

All workers ............................................................. 2 2 8 52 27 8 18 18

Full time ................................................................. 2 2 8 53 28 8 18 18

Part time ................................................................ 4 7 15 48 19 6 16 16

Union ..................................................................... 1 3 7 52 28 9 18 18

Nonunion ............................................................... 2 1 9 53 27 7 18 18

1 to 99 workers ...................................................... – – 11 56 24 4 17 18

1 to 49 workers .................................................. – – 12 52 24 5 17 18

50 to 99 workers ................................................ – – 9 62 23 3 17 18

100 workers or more .............................................. 2 2 8 52 28 9 18 18

100 to 499 workers ............................................ 1 2 10 54 27 7 18 18

500 workers or more .......................................... 2 2 7 51 28 10 18 18

After 20 years

All workers ............................................................. 2 1 5 13 48 30 22 22

Full time ................................................................. 1 1 5 13 48 31 22 22

Part time ................................................................ 4 4 10 17 49 15 19 20

Union ..................................................................... 3 ( ) 2 4 11 48 34 22 22

Nonunion ............................................................... 2 1 6 15 49 27 22 22

1 to 99 workers ...................................................... – – 10 12 47 27 21 21

1 to 49 workers .................................................. – 4 12 12 45 26 20 21

50 to 99 workers ................................................ – – 7 13 52 28 22 22

100 workers or more .............................................. 2 1 4 13 49 31 22 22

100 to 499 workers ............................................ – 1 8 16 46 29 22 21

500 workers or more .......................................... 2 1 3 12 50 31 22 22

1 Employees either are granted a specific number of days after completion of the

indicated length of service or accrue days during the next 12-month period. The total

number of days is assumed to be available for use immediately upon completion of the

service interval. Periods of service are chosen arbitrarily and do not necessarily reflect

individual provisions for progression. Fractional vacation amounts were rounded to the

nearest full number of days. 2 Employees eligible for paid vacations but who have not fulfilled the minimum

service requirement are included as receiving 0 days. 3 Less than 0.5 percent.

NOTE: Because of rounding, sums of individual items may not equal totals. Dash

indicates no workers in this category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 34. Standard errors for paid vacations: Number of annual days by service requirement,1 State and local

government workers, National Compensation Survey, March 2009

Characteristics

Paid vacations days by length of service2

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 19

days

20 to 24

days

Greater

than 24

days

After 1 year

All workers ............................................................. 1.0 0.8 1.4 1.7 0.9 0.2 0.2 0.0

Full time ................................................................. 1.0 0.8 1.4 1.8 0.9 0.2 0.2 0.0

Part time ................................................................ 2.2 3.4 4.8 1.8 – – 0.5 0.0

Union ..................................................................... 0.6 1.1 1.6 1.0 0.6 0.2 0.1 0.3

Nonunion ............................................................... 1.7 0.9 2.2 2.8 1.6 0.3 0.3 0.0

1 to 99 workers ...................................................... 1.8 2.7 3.3 1.7 0.9 – 0.3 0.2

1 to 49 workers .................................................. – 4.0 4.9 2.5 1.3 – 0.4 0.1

50 to 99 workers ................................................ 1.8 3.0 4.4 2.3 1.2 – 0.3 0.9

100 workers or more .............................................. 1.0 0.9 1.5 1.8 1.1 0.2 0.2 0.0

100 to 499 workers ............................................ 1.1 2.0 2.6 2.3 1.5 – 0.3 1.4

500 workers or more .......................................... 1.2 0.9 1.6 2.1 1.2 0.3 0.3 0.0

After 5 years

All workers ............................................................. 0.5 0.5 1.3 1.2 1.8 0.4 0.2 0.0

Full time ................................................................. 0.5 0.5 1.4 1.3 1.8 0.4 0.2 0.0

Part time ................................................................ – 2.1 4.7 3.6 – 2.2 0.5 0.8

Union ..................................................................... 0.3 1.0 1.3 1.5 0.7 0.6 0.1 0.0

Nonunion ............................................................... 0.9 0.4 2.0 1.8 2.9 0.6 0.3 0.0

1 to 99 workers ...................................................... – 1.3 2.9 3.6 1.1 – 0.3 0.0

1 to 49 workers .................................................. – 1.3 3.7 4.5 1.6 – 0.4 0.0

50 to 99 workers ................................................ – – 4.6 5.1 1.2 – 0.3 0.0

100 workers or more .............................................. 0.6 0.5 1.4 1.3 2.0 0.5 0.2 0.0

100 to 499 workers ............................................ 0.5 0.7 2.3 2.3 1.9 0.8 0.2 0.0

500 workers or more .......................................... 0.7 0.6 1.6 1.5 2.4 0.7 0.2 0.0

See footnotes at end of table.
Table 34. Standard errors for paid vacations: Number of annual days by service requirement,1 State and local

government workers, National Compensation Survey, March 2009—Continued

Characteristics

Paid vacations days by length of service2

Mean

number of

days

Median

number of

days Less than 5

days 5 to 9 days 10 to 14days

15 to 19

days

20 to 24

days

Greater

than 24

days

After 10 years

All workers ............................................................. 0.5 0.3 0.8 1.6 1.6 0.7 0.2 0.0

Full time ................................................................. 0.5 0.3 0.8 1.7 1.6 0.7 0.2 0.0

Part time ................................................................ 1.8 1.6 2.1 4.7 3.6 2.2 0.5 1.1

Union ..................................................................... 0.3 0.8 0.8 1.7 1.3 0.9 0.2 0.0

Nonunion ............................................................... 0.9 0.2 1.3 2.4 2.6 0.9 0.3 0.0

1 to 99 workers ...................................................... – – 2.0 3.0 2.7 0.9 0.3 1.2

1 to 49 workers .................................................. – – 2.8 4.3 3.8 1.3 0.5 1.2

50 to 99 workers ................................................ – – 2.7 4.8 3.6 1.0 0.3 1.8

100 workers or more .............................................. 0.6 0.3 0.8 1.7 1.6 0.8 0.2 0.0

100 to 499 workers ............................................ 0.5 0.4 2.0 3.1 2.1 1.2 0.2 0.1

500 workers or more .......................................... 0.7 0.5 0.9 2.0 2.0 1.0 0.2 0.0

After 20 years

All workers ............................................................. 0.5 0.3 0.7 0.9 1.7 1.6 0.2 0.0

Full time ................................................................. 0.5 0.3 0.7 0.9 1.7 1.6 0.2 0.1

Part time ................................................................ 1.8 1.2 2.0 2.9 5.2 2.7 0.5 0.0

Union ..................................................................... 3 ( ) 0.7 0.8 0.8 2.2 1.9 0.2 0.8

Nonunion ............................................................... 0.9 0.2 1.1 1.5 2.6 2.4 0.3 0.6

1 to 99 workers ...................................................... – – 2.1 2.1 2.8 3.0 0.4 0.1

1 to 49 workers .................................................. – 1.5 2.9 2.8 3.8 3.4 0.6 1.1

50 to 99 workers ................................................ – – 2.4 3.7 4.2 4.7 0.5 0.6

100 workers or more .............................................. 0.6 0.4 0.7 1.0 1.9 1.7 0.2 0.2

100 to 499 workers ............................................ – 0.3 1.6 2.1 2.7 2.3 0.3 0.7

500 workers or more .......................................... 0.7 0.5 0.6 1.2 2.3 2.0 0.2 0.8

1 Employees either are granted a specific number of days after completion of the

indicated length of service or accrue days during the next 12-month period. The total

number of days is assumed to be available for use immediately upon completion of the

service interval. Periods of service are chosen arbitrarily and do not necessarily reflect

individual provisions for progression. Fractional vacation amounts were rounded to the

nearest full number of days. 2 Employees eligible for paid vacations but who have not fulfilled the minimum

service requirement are included as receiving 0 days. 3 Less than 0.05.

NOTE: Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 35. Quality of life benefits: Access, State and local government workers, National

Compensation Survey, March 2009

(All workers = 100 percent)

Characteristics Childcare1 Flexible

workplace

Subsidized

commuting

Wellness

programs

Employee

assistance

programs

All workers ............................................................. 13 4 11 52 73

Worker characteristics

Management, professional, and related ................ 14 5 9 53 74

Professional and related .................................... 13 4 8 53 74

Teachers ........................................................ 11 2 4 49 70

Primary, secondary, and special education

school teachers ........................................ 7 1 2 47 69

Registered nurses ......................................... 16 – 13 66 87

Service ................................................................... 12 4 10 50 72

Protective service .............................................. 12 4 13 56 77

Sales and office ..................................................... 15 5 15 52 73

Office and administrative support ...................... 15 5 15 53 74

Natural resources, construction, and maintenance 12 2 13 55 75

Production, transportation, and material moving ... 6 – 13 42 66

Full time ................................................................. 14 5 11 54 77

Part time ................................................................ 8 1 6 40 54

Union ..................................................................... 16 2 13 54 83

Nonunion ............................................................... 11 6 9 51 65

Wage percentiles:2

Lowest 10 percent ............................................. 9 – 4 41 52

Lowest 25 percent ............................................. 10 4 5 45 60

Second 25 percent ............................................ 17 7 14 52 76

Third 25 percent ................................................ 15 4 14 56 79

Highest 25 percent ............................................ 13 3 11 56 78

Highest 10 percent ............................................ 16 4 10 58 80

Establishment characteristics

Service-providing industries .................................. 13 4 10 52 73

Education and health services ........................... 13 4 7 51 73

Educational services ...................................... 12 – 6 49 71

Elementary and secondary schools ........... 8 1 3 44 69

Junior colleges, colleges, and universities 25 – – 64 75

Health care and social assistance ................. 17 – 15 66 85

Hospitals .................................................... 19 – – 69 86

Public administration ......................................... 17 6 16 54 75

1 to 99 workers ...................................................... 7 4 5 35 48

1 to 49 workers .................................................. 7 6 6 39 44

50 to 99 workers ................................................ 6 2 2 29 53

100 workers or more .............................................. 14 4 11 55 77

100 to 499 workers ............................................ 9 2 6 42 55

500 workers or more .......................................... 16 5 13 59 85

See footnotes at end of table.
Table 35. Quality of life benefits: Access, State and local government workers, National

Compensation Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics Childcare1 Flexible

workplace

Subsidized

commuting

Wellness

programs

Employee

assistance

programs

State government .................................................. 27 – 21 70 86

Local government .................................................. 9 2 7 46 69

Geographic areas

New England ......................................................... 16 – – 34 75

Middle Atlantic ....................................................... 20 – 4 44 79

East North Central ................................................. 9 1 13 49 66

West North Central ................................................ – – – 45 66

South Atlantic ........................................................ 8 – 7 58 83

East South Central ................................................ – – 2 43 48

West South Central ............................................... 10 3 4 48 57

Mountain ................................................................ 19 4 21 65 88

Pacific .................................................................... 14 3 25 67 84

1 A workplace program that provides for either the full or

partial cost of caring for an employee’s children in a nursery,

day care center, or a baby sitter in facilities either on or off the

employer’s premises. 2 The percentile groupings are based on the average wage

for each occupation surveyed, which may include workers both

above and below the threshold. The percentile values are

based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did

not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 35. Standard errors for quality of life benefits: Access, State and local

government workers, National Compensation Survey, March 2009

Characteristics Childcare1 Flexible

workplace

Subsidized

commuting

Wellness

programs

Employee

assistance

programs

All workers ............................................................. 1.3 1.1 1.0 1.7 1.4

Worker characteristics

Management, professional, and related ................ 1.3 1.1 1.0 1.7 1.4

Professional and related .................................... 1.2 0.9 1.0 1.6 1.5

Teachers ........................................................ 1.3 0.7 0.8 1.9 1.5

Primary, secondary, and special education

school teachers ........................................ 0.9 0.3 0.5 1.9 1.5

Registered nurses ......................................... 2.6 – 3.6 4.2 3.2

Service ................................................................... 1.3 1.2 0.9 2.0 1.7

Protective service .............................................. 1.5 1.0 1.3 2.7 2.5

Sales and office ..................................................... 2.0 1.7 1.8 2.6 2.4

Office and administrative support ...................... 2.1 1.8 1.8 2.5 2.4

Natural resources, construction, and maintenance 2.5 0.8 1.8 3.9 2.4

Production, transportation, and material moving ... 1.5 – 2.3 3.7 4.7

Full time ................................................................. 1.4 1.3 1.0 1.7 1.5

Part time ................................................................ 1.4 0.6 1.2 2.3 2.3

Union ..................................................................... 1.1 0.5 1.0 1.6 1.2

Nonunion ............................................................... 2.0 1.9 1.1 2.4 2.2

Wage percentiles:2

Lowest 10 percent ............................................. 2.4 – 1.0 2.7 3.5

Lowest 25 percent ............................................. 1.9 1.4 0.8 2.4 2.4

Second 25 percent ............................................ 2.0 2.0 1.8 2.2 2.0

Third 25 percent ................................................ 1.4 0.8 1.3 2.0 1.7

Highest 25 percent ............................................ 1.0 0.7 0.8 1.7 1.4

Highest 10 percent ............................................ 1.6 1.5 1.5 2.5 1.6

Establishment characteristics

Service-providing industries .................................. 1.3 1.1 1.0 1.7 1.4

Education and health services ........................... 1.8 1.5 1.5 2.0 1.9

Educational services ...................................... 2.0 – 1.2 2.1 1.9

Elementary and secondary schools ........... 0.9 0.2 0.5 1.8 1.5

Junior colleges, colleges, and universities 7.3 – – 6.6 6.7

Health care and social assistance ................. 2.7 – 3.8 2.7 2.9

Hospitals .................................................... 4.0 – – 3.1 2.9

Public administration ......................................... 1.7 1.7 1.1 2.1 1.8

1 to 99 workers ...................................................... 1.2 1.2 1.1 3.0 3.6

1 to 49 workers .................................................. 1.3 1.6 1.8 4.6 4.5

50 to 99 workers ................................................ 2.3 0.8 0.4 4.4 5.2

100 workers or more .............................................. 1.4 1.2 1.0 1.8 1.4

100 to 499 workers ............................................ 1.2 0.6 1.1 2.4 2.5

500 workers or more .......................................... 1.6 1.6 1.4 2.0 1.6

See footnotes at end of table.
Table 35. Standard errors for quality of life benefits: Access, State and local

government workers, National Compensation Survey, March 2009—Continued

Characteristics Childcare1 Flexible

workplace

Subsidized

commuting

Wellness

programs

Employee

assistance

programs

State government .................................................. 4.2 – 3.5 4.4 3.9

Local government .................................................. 0.6 0.3 0.5 1.5 1.4

Geographic areas

New England ......................................................... 3.0 – – 4.4 4.1

Middle Atlantic ....................................................... 0.9 – 0.7 3.2 2.5

East North Central ................................................. 0.8 0.5 2.1 2.4 2.0

West North Central ................................................ – – – 4.7 6.4

South Atlantic ........................................................ 2.3 – 1.1 4.2 2.1

East South Central ................................................ – – 1.0 10.6 10.0

West South Central ............................................... 1.9 1.0 0.4 4.3 4.1

Mountain ................................................................ 3.0 1.7 2.4 9.9 3.6

Pacific .................................................................... 2.8 0.8 1.2 2.5 1.8

1 A workplace program that provides for either the full or

partial cost of caring for an employee’s children in a nursery,

day care center, or a baby sitter in facilities either on or off the

employer’s premises. 2 The percentile groupings are based on the average wage

for each occupation surveyed, which may include workers both

above and below the threshold. The percentile values are

based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did

not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 36. Financial benefits: Access, State and local government workers, National

Compensation Survey, March 2009

(All workers = 100 percent)

Characteristics

Health

savings

account

Section 125 cafeteria benefits

Pre-tax

savings with

no employer

contributions

Financial

Flexible planning

benefits

Dependent

care

reimbursement

account

Health care

reimbursement

account

All workers ............................................................. 21 34 53 60 55 25

Worker characteristics

Management, professional, and related ................ 21 35 56 63 57 26

Professional and related .................................... 21 35 55 63 57 25

Teachers ........................................................ 20 34 51 61 55 21

Primary, secondary, and special education

school teachers ........................................ 18 35 53 60 53 21

Registered nurses ......................................... 24 43 66 69 58 28

Service ................................................................... 18 30 48 53 51 24

Protective service .............................................. 19 30 53 56 54 27

Sales and office ..................................................... 20 36 53 60 56 25

Office and administrative support ...................... 20 35 54 61 57 26

Natural resources, construction, and maintenance 23 39 52 58 55 22

Production, transportation, and material moving ... 23 34 41 43 50 16

Full time ................................................................. 22 37 57 64 59 27

Part time ................................................................ 13 18 31 35 31 13

Union ..................................................................... 17 31 55 62 60 29

Nonunion ............................................................... 23 37 52 57 51 21

Wage percentiles:1

Lowest 10 percent ............................................. 16 25 35 39 37 14

Lowest 25 percent ............................................. 18 31 43 49 43 19

Second 25 percent ............................................ 20 34 57 60 57 27

Third 25 percent ................................................ 22 39 58 64 58 29

Highest 25 percent ............................................ 21 34 57 65 62 25

Highest 10 percent ............................................ 19 28 52 64 63 26

Establishment characteristics

Service-providing industries .................................. 20 34 53 60 55 24

Education and health services ........................... 22 36 55 63 56 22

Educational services ...................................... 21 35 54 63 56 21

Elementary and secondary schools ........... 18 35 51 60 52 20

Junior colleges, colleges, and universities 29 36 61 71 71 23

Health care and social assistance ................. 25 42 61 66 52 30

Hospitals .................................................... 27 50 63 66 53 30

Public administration ......................................... 19 32 53 56 54 31

1 to 99 workers ...................................................... 17 23 33 38 40 19

1 to 49 workers .................................................. 17 22 31 36 37 19

50 to 99 workers ................................................ 18 26 35 41 45 20

100 workers or more .............................................. 21 36 56 63 57 25

100 to 499 workers ............................................ 14 29 40 42 46 20

500 workers or more .......................................... 23 38 62 70 61 27

See footnotes at end of table.
Table 36. Financial benefits: Access, State and local government workers, National

Compensation Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics

Health

savings

account

Section 125 cafeteria benefits

Pre-tax

savings with

no employer

contributions

Financial

Flexible planning

benefits

Dependent

care

reimbursement

account

Health care

reimbursement

account

State government .................................................. 28 34 69 74 74 39

Local government .................................................. 18 34 48 55 49 20

Geographic areas

New England ......................................................... 12 7 31 34 51 23

Middle Atlantic ....................................................... 3 14 36 47 75 27

East North Central ................................................. 23 19 39 46 58 24

West North Central ................................................ 18 35 61 66 45 34

South Atlantic ........................................................ 28 47 68 73 49 22

East South Central ................................................ 35 51 36 48 44 –

West South Central ............................................... 16 36 60 64 61 19

Mountain ................................................................ 24 38 67 71 56 31

Pacific .................................................................... 24 48 65 70 51 28

1 The percentile groupings are based on the average wage for

each occupation surveyed, which may include workers both above

and below the threshold. The percentile values are based on the

estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical

Note for more details.

NOTE: Dash indicates no workers in this category or data did not

meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 36. Standard errors for financial benefits: Access, State and local government workers,

National Compensation Survey, March 2009

Characteristics

Health

savings

account

Section 125 cafeteria benefits

Pre-tax

savings with

no employer

contributions

Financial

Flexible planning

benefits

Dependent

care

reimbursement

account

Health care

reimbursement

account

All workers ............................................................. 1.3 1.5 1.5 1.5 1.3 1.3

Worker characteristics

Management, professional, and related ................ 1.4 1.5 1.7 1.6 1.3 1.5

Professional and related .................................... 1.5 1.6 1.7 1.5 1.4 1.5

Teachers ........................................................ 1.6 1.9 2.0 1.8 1.7 1.4

Primary, secondary, and special education

school teachers ........................................ 1.6 2.2 2.3 1.9 2.0 1.8

Registered nurses ......................................... 3.6 4.3 3.5 3.4 4.0 4.7

Service ................................................................... 1.4 1.5 1.7 1.9 2.0 1.4

Protective service .............................................. 2.2 2.5 2.9 2.8 2.8 2.7

Sales and office ..................................................... 1.7 2.2 2.3 2.6 2.2 2.2

Office and administrative support ...................... 1.8 2.2 2.4 2.6 2.1 2.3

Natural resources, construction, and maintenance 3.2 3.0 3.0 3.5 3.9 2.3

Production, transportation, and material moving ... 3.4 3.2 3.6 3.4 4.2 2.4

Full time ................................................................. 1.4 1.6 1.6 1.7 1.4 1.4

Part time ................................................................ 1.9 1.8 1.7 2.3 2.0 1.4

Union ..................................................................... 1.2 1.8 1.8 1.7 1.7 1.4

Nonunion ............................................................... 2.0 2.1 1.9 2.3 1.8 1.6

Wage percentiles:1

Lowest 10 percent ............................................. 2.3 1.7 2.3 2.9 2.8 1.8

Lowest 25 percent ............................................. 1.8 2.1 1.8 2.4 2.0 1.3

Second 25 percent ............................................ 1.8 1.8 2.1 2.3 2.2 2.1

Third 25 percent ................................................ 1.6 2.0 2.3 2.1 1.8 2.0

Highest 25 percent ............................................ 1.4 1.7 1.6 1.4 1.5 1.1

Highest 10 percent ............................................ 1.6 1.9 2.0 2.0 2.5 1.5

Establishment characteristics

Service-providing industries .................................. 1.3 1.5 1.5 1.5 1.3 1.3

Education and health services ........................... 1.8 1.7 1.9 1.8 1.4 1.6

Educational services ...................................... 1.8 1.8 2.1 2.0 1.6 1.5

Elementary and secondary schools ........... 1.5 1.9 2.3 1.9 1.7 1.5

Junior colleges, colleges, and universities 5.8 4.2 6.6 6.2 3.4 4.0

Health care and social assistance ................. 3.1 2.8 3.3 3.1 3.0 4.4

Hospitals .................................................... 3.7 4.4 4.5 3.8 4.2 5.8

Public administration ......................................... 1.5 1.9 2.1 2.1 1.9 2.0

1 to 99 workers ...................................................... 2.1 2.5 2.7 2.7 3.5 1.8

1 to 49 workers .................................................. 2.6 3.0 3.5 3.7 4.5 2.7

50 to 99 workers ................................................ 3.4 3.9 4.7 4.9 3.8 3.1

100 workers or more .............................................. 1.3 1.6 1.6 1.6 1.2 1.3

100 to 499 workers ............................................ 1.7 2.4 2.3 2.5 2.1 2.2

500 workers or more .......................................... 1.5 1.8 1.8 1.7 1.6 1.4

See footnotes at end of table.
Table 36. Standard errors for financial benefits: Access, State and local government workers,

National Compensation Survey, March 2009—Continued

Characteristics

Health

savings

account

Section 125 cafeteria benefits

Pre-tax

savings with

no employer

contributions

Financial

Flexible planning

benefits

Dependent

care

reimbursement

account

Health care

reimbursement

account

State government .................................................. 3.7 2.9 3.5 3.6 2.3 3.6

Local government .................................................. 1.0 1.4 1.6 1.5 1.4 1.0

Geographic areas

New England ......................................................... 2.6 2.8 4.0 4.8 4.2 4.4

Middle Atlantic ....................................................... 0.8 4.2 3.5 3.3 3.5 0.8

East North Central ................................................. 3.4 2.1 2.6 2.3 2.3 2.3

West North Central ................................................ 5.0 5.7 5.4 3.8 5.7 7.5

South Atlantic ........................................................ 3.3 3.7 2.9 2.2 3.1 2.9

East South Central ................................................ 10.5 7.4 7.1 10.9 6.5 –

West South Central ............................................... 2.8 4.1 2.9 2.6 2.5 3.6

Mountain ................................................................ 3.9 10.2 10.1 10.8 7.5 2.7

Pacific .................................................................... 1.8 3.0 3.4 3.2 3.3 3.4

1 The percentile groupings are based on the average wage for

each occupation surveyed, which may include workers both above

and below the threshold. The percentile values are based on the

estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical

Note for more details.

NOTE: For definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 38. Nonproduction bonuses: Access, State and local government workers, National Compensation

Survey, March 2009

(All workers = 100 percent)

Characteristics

All

nonproduction

bonuses1

Employee

recognition

bonus

End-of-year

bonus

Holiday

bonus

Payment in

lieu of

benefits

bonus

Longevity

bonus

Referral

bonus

Other

bonus2

All workers ............................................................. 30 4 1 1 11 6 1 12

Worker characteristics

Management, professional, and related ................ 29 5 1 1 11 4 1 12

Professional and related .................................... 27 4 3 ( ) 1 11 4 1 11

Teachers ........................................................ 24 3 – – 12 2 – 10

Primary, secondary, and special education

school teachers ........................................ 27 3 – – 14 3 – 12

Registered nurses ......................................... 34 4 – 4 8 8 – 12

Service ................................................................... 32 5 – 2 10 8 – 12

Protective service .............................................. 42 7 – 2 11 13 – 16

Sales and office ..................................................... 32 5 2 2 12 6 1 12

Office and administrative support ...................... 32 5 1 2 12 6 1 12

Natural resources, construction, and maintenance 33 3 2 – 11 9 – 11

Production, transportation, and material moving ... 29 2 – – 11 4 – 11

Full time ................................................................. 34 5 1 1 12 6 1 13

Part time ................................................................ 11 1 1 1 4 2 – 3

Union ..................................................................... 35 5 – – 19 5 – 12

Nonunion ............................................................... 26 4 1 2 5 6 1 11

Wage percentiles:4

Lowest 10 percent ............................................. 17 3 () – 3 4 4 – 6

Lowest 25 percent ............................................. 23 2 1 2 6 5 3 () 9

Second 25 percent ............................................ 33 6 1 1 11 7 1 12

Third 25 percent ................................................ 34 5 1 1 12 7 1 15

Highest 25 percent ............................................ 31 6 3 ( ) 3 ( ) 15 4 1 11

Highest 10 percent ............................................ 30 5 – – 16 3 3 ( ) 10

Establishment characteristics

Service-providing industries .................................. 30 5 1 1 11 6 1 12

Education and health services ........................... 25 4 1 1 11 3 1 10

Educational services ...................................... 22 3 – – 11 3 – 9

Elementary and secondary schools ........... 23 2 – – 12 3 – 9

Junior colleges, colleges, and universities 19 6 – – 5 3 – 7

Health care and social assistance ................. 44 8 3 7 10 5 4 15

Hospitals .................................................... 40 4 – 7 9 4 4 13

Public administration ......................................... 40 7 – 1 13 9 1 16

1 to 99 workers ...................................................... 30 2 5 5 9 9 – 8

1 to 49 workers .................................................. 29 1 5 7 7 7 – 9

50 to 99 workers ................................................ 33 2 – – 12 11 – 7

100 workers or more .............................................. 30 5 3 ( ) 1 11 5 1 12

100 to 499 workers ............................................ 32 2 1 2 13 7 1 12

500 workers or more .......................................... 30 6 – – 11 5 1 12

See footnotes at end of table.
Table 38. Nonproduction bonuses: Access, State and local government workers, National Compensation

Survey, March 2009—Continued

(All workers = 100 percent)

Characteristics

All

nonproduction

bonuses1

Employee

recognition

bonus

End-of-year

bonus

Holiday

bonus

Payment in

lieu of

benefits

bonus

Longevity

bonus

Referral

bonus

Other

bonus2

State government .................................................. 41 12 – – 12 7 2 19

Local government .................................................. 27 2 1 2 11 5 3 () 9

Geographic areas

New England ......................................................... 36 – – – 17 10 – 19

Middle Atlantic ....................................................... 29 – 3 ( ) – 13 3 – 15

East North Central ................................................. 29 1 – – 19 8 – 5

West North Central ................................................ 20 – 1 – 5 – – 7

South Atlantic ........................................................ 35 6 – 3 3 6 3 20

West South Central ............................................... 33 3 – 2 8 7 – 16

Mountain ................................................................ 23 – – – – 5 – –

Pacific .................................................................... 36 15 – – 23 1 – 6

1 The sum of the individual components may be greater than the total because

some employees may have access to more than one type of nonproduction bonus. 2 Includes all other bonuses provided to employees and not published

separately. 3 Less than 0.5 percent. 4 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 38. Standard errors for nonproduction bonuses: Access, State and local government workers, National

Compensation Survey, March 2009

Characteristics

All

nonproduction

bonuses1

Employee

recognition

bonus

End-of-year

bonus

Holiday

bonus

Payment in

lieu of

benefits

bonus

Longevity

bonus

Referral

bonus

Other

bonus2

All workers ............................................................. 1.3 0.4 0.3 0.3 0.8 0.5 0.2 0.8

Worker characteristics

Management, professional, and related ................ 1.3 0.5 0.2 0.2 0.9 0.5 0.1 1.0

Professional and related .................................... 1.3 0.5 3 ( ) 0.3 0.9 0.6 0.1 0.9

Teachers ........................................................ 1.4 0.7 – – 1.2 0.5 – 1.0

Primary, secondary, and special education

school teachers ........................................ 1.8 0.8 – – 1.4 0.7 – 1.3

Registered nurses ......................................... 4.3 1.2 – 1.7 2.7 1.8 – 2.2

Service ................................................................... 1.9 0.9 – 0.6 1.1 0.9 – 1.3

Protective service .............................................. 2.9 1.8 – 1.0 1.7 1.7 – 2.5

Sales and office ..................................................... 1.8 0.5 0.5 0.6 1.2 0.9 0.2 1.1

Office and administrative support ...................... 1.8 0.5 0.6 0.5 1.2 0.9 0.2 1.2

Natural resources, construction, and maintenance 3.0 0.9 1.0 – 1.5 1.6 – 1.6

Production, transportation, and material moving ... 3.3 0.7 – – 2.0 1.0 – 1.6

Full time ................................................................. 1.4 0.4 0.3 0.3 0.9 0.6 0.2 1.0

Part time ................................................................ 1.1 0.2 0.4 0.5 0.8 0.4 – 0.7

Union ..................................................................... 1.5 0.5 – – 1.4 0.5 – 0.8

Nonunion ............................................................... 1.7 0.5 0.5 0.5 0.5 0.8 0.4 1.2

Wage percentiles:4

Lowest 10 percent ............................................. 2.1 3 ( ) – 0.9 0.8 0.9 – 1.0

Lowest 25 percent ............................................. 1.7 0.2 0.6 0.6 0.7 0.8 3 ( ) 0.9

Second 25 percent ............................................ 2.0 0.8 0.5 0.3 1.1 1.0 0.7 1.4

Third 25 percent ................................................ 1.8 0.6 0.3 0.5 1.2 0.9 0.2 1.3

Highest 25 percent ............................................ 1.3 0.6 3 ( ) 3 ( ) 1.1 0.4 0.2 0.9

Highest 10 percent ............................................ 1.5 0.6 – – 1.1 0.6 3 ( ) 1.0

Establishment characteristics

Service-providing industries .................................. 1.3 0.4 0.3 0.3 0.8 0.5 0.2 0.8

Education and health services ........................... 1.3 0.4 0.2 0.3 1.0 0.5 0.1 0.8

Educational services ...................................... 1.3 0.4 – – 1.1 0.6 – 0.8

Elementary and secondary schools ........... 1.6 0.5 – – 1.3 0.6 – 1.0

Junior colleges, colleges, and universities 2.7 0.7 – – 1.3 1.2 – 1.7

Health care and social assistance ................. 4.1 0.9 1.0 1.7 1.9 0.9 0.9 1.8

Hospitals .................................................... 5.3 0.6 – 2.6 2.7 1.0 1.3 1.9

Public administration ......................................... 2.1 0.9 – 0.5 1.4 1.1 0.6 2.0

1 to 99 workers ...................................................... 3.0 0.3 2.0 1.3 1.2 1.9 – 1.5

1 to 49 workers .................................................. 3.7 0.2 2.3 2.1 1.5 2.3 – 2.3

50 to 99 workers ................................................ 3.9 0.6 – – 2.2 2.4 – 1.5

100 workers or more .............................................. 1.3 0.4 3 ( ) 0.2 0.9 0.5 0.2 0.9

100 to 499 workers ............................................ 2.5 0.3 0.5 0.8 1.5 1.2 0.2 1.3

500 workers or more .......................................... 1.4 0.5 – – 1.0 0.5 0.3 1.0

See footnotes at end of table.
Table 38. Standard errors for nonproduction bonuses: Access, State and local government workers, National

Compensation Survey, March 2009—Continued

Characteristics

All

nonproduction

bonuses1

Employee

recognition

bonus

End-of-year

bonus

Holiday

bonus

Payment in

lieu of

benefits

bonus

Longevity

bonus

Referral

bonus

Other

bonus2

State government .................................................. 3.2 1.1 – – 2.1 1.5 0.8 2.7

Local government .................................................. 1.3 0.3 0.4 0.4 0.9 0.5 3 ( ) 0.7

Geographic areas

New England ......................................................... 3.4 – – – 2.0 2.6 – 4.5

Middle Atlantic ....................................................... 2.5 – 3 ( ) – 1.4 0.9 – 1.1

East North Central ................................................. 3.6 0.4 – – 2.4 1.6 – 1.1

West North Central ................................................ 4.3 – 0.4 – 2.2 – – 2.1

South Atlantic ........................................................ 2.2 1.4 – 1.0 1.2 1.1 1.1 2.9

West South Central ............................................... 3.2 0.7 – 1.2 1.7 1.0 – 2.4

Mountain ................................................................ 6.1 – – – – 1.2 – –

Pacific .................................................................... 2.5 0.8 – – 3.1 0.5 – 1.3

1 The sum of the individual components may be greater than the total because

some employees may have access to more than one type of nonproduction bonus. 2 Includes all other bonuses provided to employees and not published

separately. 3 Less than 0.05. 4 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

threshold. The percentile values are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 37. Health-related benefits: Access, State and local

government workers, National Compensation Survey, March 2009

(All workers = 100 percent)

Characteristics

Long-term

care

insurance1

Retiree health care

benefits2

Under age

65

Age 65 and

over

All workers ............................................................. 27 70 64

Worker characteristics

Management, professional, and related ................ 29 74 68

Professional and related .................................... 28 74 68

Teachers ........................................................ 26 74 68

Primary, secondary, and special education

school teachers ........................................ 23 74 66

Registered nurses ......................................... 31 70 56

Service ................................................................... 24 63 57

Protective service .............................................. 27 68 61

Sales and office ..................................................... 28 69 65

Office and administrative support ...................... 29 71 66

Natural resources, construction, and maintenance 27 65 57

Production, transportation, and material moving ... 16 68 62

Full time ................................................................. 30 74 68

Part time ................................................................ 13 49 47

Union ..................................................................... 27 77 71

Nonunion ............................................................... 27 65 59

Wage percentiles:3

Lowest 10 percent ............................................. 15 44 40

Lowest 25 percent ............................................. 19 57 52

Second 25 percent ............................................ 30 72 66

Third 25 percent ................................................ 32 76 70

Highest 25 percent ............................................ 28 78 71

Highest 10 percent ............................................ 31 81 75

Establishment characteristics

Service-providing industries .................................. 27 70 64

Education and health services ........................... 29 73 66

Educational services ...................................... 29 73 67

Elementary and secondary schools ........... 21 73 66

Junior colleges, colleges, and universities 52 73 71

Health care and social assistance ................. 32 71 61

Hospitals .................................................... 33 68 55

Public administration ......................................... 25 70 65

1 to 99 workers ...................................................... 15 47 38

1 to 49 workers .................................................. 14 45 38

50 to 99 workers ................................................ 16 51 39

100 workers or more .............................................. 29 74 68

100 to 499 workers ............................................ 17 63 56

500 workers or more .......................................... 33 78 73

See footnotes at end of table.
Table 37. Health-related benefits: Access, State and local

government workers, National Compensation Survey, March

2009—Continued

(All workers = 100 percent)

Characteristics

Long-term

care

insurance1

Retiree health care

benefits2

Under age

65

Age 65 and

over

State government .................................................. 43 82 79

Local government .................................................. 22 66 59

Geographic areas

New England ......................................................... – 80 73

Middle Atlantic ....................................................... 16 85 82

East North Central ................................................. 15 56 51

West North Central ................................................ – 55 40

South Atlantic ........................................................ 44 76 70

East South Central ................................................ – 57 51

West South Central ............................................... 19 71 63

Mountain ................................................................ 24 69 71

Pacific .................................................................... 41 76 71

1 A health plan that provides long-term

(more than 1 year) custodial care, home care, or

nursing home care. 2 A health plan that provides coverage to a

retiree beyond what is mandated by COBRA or

other health continuation laws. 3 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and

below the threshold. The percentile values are

based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: Dash indicates no workers in this

category or data did not meet publication

criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 37. Standard errors for health-related benefits: Access, State

and local government workers, National Compensation Survey,

March 2009

Characteristics

Long-term

care

insurance1

Retiree health care

benefits2

Under age

65

Age 65 and

over

All workers ............................................................. 1.4 1.4 1.4

Worker characteristics

Management, professional, and related ................ 1.4 1.4 1.4

Professional and related .................................... 1.5 1.4 1.4

Teachers ........................................................ 1.5 1.5 1.5

Primary, secondary, and special education

school teachers ........................................ 1.7 1.6 1.8

Registered nurses ......................................... 4.2 3.3 4.2

Service ................................................................... 1.6 1.8 1.8

Protective service .............................................. 2.5 2.8 3.0

Sales and office ..................................................... 2.4 2.8 2.7

Office and administrative support ...................... 2.4 2.8 2.7

Natural resources, construction, and maintenance 2.4 3.2 3.3

Production, transportation, and material moving ... 2.8 3.8 3.9

Full time ................................................................. 1.5 1.5 1.5

Part time ................................................................ 1.4 2.3 2.3

Union ..................................................................... 1.4 1.4 1.5

Nonunion ............................................................... 2.1 2.2 2.2

Wage percentiles:3

Lowest 10 percent ............................................. 2.4 3.2 2.9

Lowest 25 percent ............................................. 1.9 2.5 2.3

Second 25 percent ............................................ 2.2 2.2 2.2

Third 25 percent ................................................ 1.5 1.6 1.7

Highest 25 percent ............................................ 1.5 1.3 1.3

Highest 10 percent ............................................ 2.1 1.8 1.6

Establishment characteristics

Service-providing industries .................................. 1.4 1.5 1.4

Education and health services ........................... 2.0 1.6 1.6

Educational services ...................................... 2.0 1.6 1.6

Elementary and secondary schools ........... 1.6 1.5 1.5

Junior colleges, colleges, and universities 6.1 4.2 4.2

Health care and social assistance ................. 4.3 3.6 4.4

Hospitals .................................................... 5.7 4.9 5.9

Public administration ......................................... 1.5 2.0 1.9

1 to 99 workers ...................................................... 2.0 3.3 3.1

1 to 49 workers .................................................. 2.3 3.9 3.8

50 to 99 workers ................................................ 3.5 5.1 4.9

100 workers or more .............................................. 1.5 1.4 1.4

100 to 499 workers ............................................ 1.7 2.7 2.5

500 workers or more .......................................... 1.9 1.4 1.5

See footnotes at end of table.
Table 37. Standard errors for health-related benefits: Access, State

and local government workers, National Compensation Survey,

March 2009—Continued

Characteristics

Long-term

care

insurance1

Retiree health care

benefits2

Under age

65

Age 65 and

over

State government .................................................. 4.4 2.8 2.8

Local government .................................................. 1.0 1.5 1.4

Geographic areas

New England ......................................................... – 2.7 2.2

Middle Atlantic ....................................................... 0.6 1.1 1.6

East North Central ................................................. 2.7 3.0 2.9

West North Central ................................................ – 5.4 6.7

South Atlantic ........................................................ 3.0 2.2 2.6

East South Central ................................................ – 11.2 10.6

West South Central ............................................... 2.1 2.7 2.6

Mountain ................................................................ 2.7 5.7 4.6

Pacific .................................................................... 2.2 3.9 3.4

1 A health plan that provides long-term

(more than 1 year) custodial care, home care, or

nursing home care. 2 A health plan that provides coverage to a

retiree beyond what is mandated by COBRA or

other health continuation laws. 3 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and

below the threshold. The percentile values are

based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2008." See

Technical Note for more details.

NOTE: Dash indicates no workers in this

category or data did not meet publication

criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 39. Benefit combinations: Access, State and local government workers, National Compensation Survey,

March 2009

(All workers = 100 percent)

Characteristics

Medical care and retirement benefits Medical care and life insurance

Medical

care and

retirement

benefits

Medical

care and no

retirement

benefits

Retirement

benefits

and no

medical

care

benefits

No medical

care and no

retirement

benefits

Medical

care

benefits

and life

insurance

Medical

care

benefits

and no life

insurance

Life

insurance

and no

medical

care

benefits

No medical

care and no

life

insurance

All workers ............................................................. 86 2 4 9 78 9 1 11

Worker characteristics

Management, professional, and related ................ 88 2 3 7 80 10 1 9

Professional and related .................................... 88 1 4 7 79 10 1 10

Teachers ........................................................ 88 1 3 8 78 11 1 11

Primary, secondary, and special education

school teachers ........................................ 95 – – 3 82 13 1 () 5

Registered nurses ......................................... 91 – – 5 82 10 – –

Service ................................................................... 79 1 4 15 73 8 2 17

Protective service .............................................. 89 – – 9 84 5 1 10

Sales and office ..................................................... 87 1 3 8 80 9 1 11

Office and administrative support ...................... 88 – – 7 80 9 1 10

Natural resources, construction, and maintenance 93 2 1 4 89 – – 5

Production, transportation, and material moving ... 82 – 6 – 74 9 3 14

Full time ................................................................. 98 1 1 1 90 9 1 () 1

Part time ................................................................ 22 6 19 53 18 9 5 67

Union ..................................................................... 95 1 3 2 86 10 1 3

Nonunion ............................................................... 79 2 5 14 73 9 1 18

Wage percentiles:2

Lowest 10 percent ............................................. 48 3 11 38 41 10 2 47

Lowest 25 percent ............................................. 66 3 8 24 58 10 3 29

Second 25 percent ............................................ 90 1 3 5 83 9 1 8

Third 25 percent ................................................ 93 2 2 3 85 10 – –

Highest 25 percent ............................................ 96 1 1 2 89 8 1 3

Highest 10 percent ............................................ 96 1 2 2 89 8 1 2

Establishment characteristics

Service-providing industries .................................. 86 2 4 9 78 9 1 11

Education and health services ........................... 87 2 4 7 78 11 1 10

Educational services ...................................... 87 2 4 7 77 11 1 10

Elementary and secondary schools ........... 88 1 5 6 76 13 1 10

Junior colleges, colleges, and universities 83 3 3 11 81 5 1 13

Health care and social assistance ................. 90 2 3 6 82 9 – –

Hospitals .................................................... 92 3 1 4 88 6 – –

Public administration ......................................... 87 1 3 9 81 7 1 11

1 to 99 workers ...................................................... 71 4 7 18 63 13 2 23

1 to 49 workers .................................................. 64 5 8 23 60 – – 29

50 to 99 workers ................................................ 82 3 5 9 67 18 2 13

100 workers or more .............................................. 88 1 3 7 81 9 1 10

100 to 499 workers ............................................ 83 1 4 12 72 13 1 14

500 workers or more .......................................... 90 1 3 6 84 7 1 8

See footnotes at end of table.
Table 39. Benefit combinations: Access, State and local government workers, National Compensation Survey,

March 2009—Continued

(All workers = 100 percent)

Characteristics

Medical care and retirement benefits Medical care and life insurance

Medical

care and

retirement

benefits

Medical

care and no

retirement

benefits

Retirement

benefits

and no

medical

care

benefits

No medical

care and no

retirement

benefits

Medical

care

benefits

and life

insurance

Medical

care

benefits

and no life

insurance

Life

insurance

and no

medical

care

benefits

No medical

care and no

life

insurance

State government .................................................. 92 – – 6 86 8 1 () 6

Local government .................................................. 84 1 5 10 76 10 1 13

Geographic areas

New England ......................................................... 82 3 4 11 71 – – 14

Middle Atlantic ....................................................... 86 – – 8 82 5 3 11

East North Central ................................................. 78 – – 13 76 4 2 18

West North Central ................................................ 82 – – 10 75 – – 15

South Atlantic ........................................................ 90 1 1 8 84 – – 9

East South Central ................................................ 89 – – 5 78 – – 6

West South Central ............................................... 88 2 2 8 76 15 1 () 9

Mountain ................................................................ 86 – – 10 82 – – 13

Pacific .................................................................... 89 1 3 7 76 14 – –

See footnotes at end of table.
Table 39. Benefit combinations: Access, State and local government workers, National Compensation Survey,

March 2009—Continued

(All workers = 100 percent)

Characteristics

Defined benefit retirement and medical care

benefits

Defined contribution retirement and medical care

benefits

Defined

benefit and

medical

care

benefits

Defined

benefit and

no medical

care

benefits

Medical

care

benefits

and no

defined

benefit

No defined

benefit and

no medical

care

benefits

Defined

contribution

and

medical

care

benefits

Defined

contribution

and no

medical

care

benefits

Medical

care

benefits

and no

defined

contribution

No defined

contribution

and no

medical

care

benefits

All workers ............................................................. 80 3 7 9 29 1 58 12

Worker characteristics

Management, professional, and related ................ 84 3 6 7 29 1 60 10

Professional and related .................................... 84 3 5 8 28 1 61 10

Teachers ........................................................ 86 3 3 8 24 1 ( ) 65 11

Primary, secondary, and special education

school teachers ........................................ 94 – – 3 16 – 78 –

Registered nurses ......................................... 75 – 17 – 46 – 46 –

Service ................................................................... 72 4 8 15 27 1 53 18

Protective service .............................................. 82 2 7 9 34 1 54 10

Sales and office ..................................................... 80 2 9 10 32 2 57 10

Office and administrative support ...................... 81 2 8 9 31 2 58 9

Natural resources, construction, and maintenance 86 1 9 4 33 – 62 –

Production, transportation, and material moving ... 75 – 8 – 21 – 62 –

Full time ................................................................. 91 1 7 1 33 1 ( ) 65 1

Part time ................................................................ 21 17 7 55 6 4 22 69

Union ..................................................................... 93 2 2 2 26 1 ( ) 69 4

Nonunion ............................................................... 70 4 11 15 32 1 50 17

Wage percentiles:2

Lowest 10 percent ............................................. 40 9 11 40 16 3 35 46

Lowest 25 percent ............................................. 59 7 10 25 23 2 45 30

Second 25 percent ............................................ 84 3 7 5 32 1 ( ) 59 8

Third 25 percent ................................................ 87 1 7 4 32 1 63 5

Highest 25 percent ............................................ 92 1 4 2 31 1 ( ) 66 3

Highest 10 percent ............................................ 91 2 6 2 32 – 64 –

Establishment characteristics

Service-providing industries .................................. 80 3 7 9 29 1 58 12

Education and health services ........................... 82 4 6 7 27 1 62 11

Educational services ...................................... 84 4 4 8 23 1 ( ) 65 11

Elementary and secondary schools ........... 87 4 2 7 16 1 ( ) 73 11

Junior colleges, colleges, and universities 75 3 11 11 47 – 39 –

Health care and social assistance ................. 68 – 24 – 56 1 35 8

Hospitals .................................................... 66 – 28 – 59 1 35 5

Public administration ......................................... 81 2 7 10 33 1 55 11

1 to 99 workers ...................................................... 61 5 14 20 24 2 51 23

1 to 49 workers .................................................. 53 5 16 27 22 3 47 28

50 to 99 workers ................................................ 73 5 12 9 28 – 57 –

100 workers or more .............................................. 83 3 6 8 30 1 60 10

100 to 499 workers ............................................ 77 4 8 12 26 1 59 15

500 workers or more .......................................... 86 3 5 6 31 1 60 8

See footnotes at end of table.
Table 39. Benefit combinations: Access, State and local government workers, National Compensation Survey,

March 2009—Continued

(All workers = 100 percent)

Characteristics

Defined benefit retirement and medical care

benefits

Defined contribution retirement and medical care

benefits

Defined

benefit and

medical

care

benefits

Defined

benefit and

no medical

care

benefits

Medical

care

benefits

and no

defined

benefit

No defined

benefit and

no medical

care

benefits

Defined

contribution

and

medical

care

benefits

Defined

contribution

and no

medical

care

benefits

Medical

care

benefits

and no

defined

contribution

No defined

contribution

and no

medical

care

benefits

State government .................................................. 87 – 7 – 45 – 49 –

Local government .................................................. 78 4 7 10 24 1 62 13

Geographic areas

New England ......................................................... 82 4 3 11 – – 79 15

Middle Atlantic ....................................................... 84 5 3 9 18 – 68 –

East North Central ................................................. 74 6 7 13 34 1 46 18

West North Central ................................................ 71 – – 11 31 – 53 –

South Atlantic ........................................................ 87 1 4 9 48 1 ( ) 42 9

East South Central ................................................ 78 – – 5 24 – 70 –

West South Central ............................................... 77 1 14 8 25 1 65 9

Mountain ................................................................ 81 3 6 10 20 1 66 12

Pacific .................................................................... 85 3 5 7 25 1 65 9

1 Less than 0.5 percent. 2 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2008." See Technical Note for

more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dash

indicates no workers in this category or data did not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 39. Standard errors for benefit combinations: Access, State and local government workers, National

Compensation Survey, March 2009

Characteristics

Medical care and retirement benefits Medical care and life insurance

Medical

care and

retirement

benefits

Medical

care and no

retirement

benefits

Retirement

benefits

and no

medical

care

benefits

No medical

care and no

retirement

benefits

Medical

care

benefits

and life

insurance

Medical

care

benefits

and no life

insurance

Life

insurance

and no

medical

care

benefits

No medical

care and no

life

insurance

All workers ............................................................. 0.6 0.3 0.3 0.5 1.1 1.0 0.2 0.5

Worker characteristics

Management, professional, and related ................ 0.6 0.4 0.3 0.5 1.2 1.1 0.2 0.5

Professional and related .................................... 0.6 0.2 0.4 0.5 1.1 1.1 0.2 0.6

Teachers ........................................................ 0.8 0.2 0.4 0.7 1.3 1.1 0.2 0.7

Primary, secondary, and special education

school teachers ........................................ 0.6 – – 0.4 1.4 1.4 1 ( ) 0.5

Registered nurses ......................................... 1.9 – – 1.7 2.7 2.0 – –

Service ................................................................... 1.4 0.4 0.5 1.2 1.7 1.0 0.3 1.3

Protective service .............................................. 1.1 – – 1.0 1.7 1.1 0.3 1.0

Sales and office ..................................................... 1.6 0.7 0.6 1.2 2.2 1.6 0.4 1.3

Office and administrative support ...................... 1.5 – – 1.1 2.2 1.6 0.4 1.3

Natural resources, construction, and maintenance 2.0 1.0 0.5 1.6 2.2 – – 1.9

Production, transportation, and material moving ... 4.2 – 1.7 – 4.2 1.9 1.3 4.2

Full time ................................................................. 0.3 0.2 0.2 0.1 1.1 1.0 1 ( ) 0.2

Part time ................................................................ 1.6 1.4 1.4 1.9 1.3 1.6 0.8 2.0

Union ..................................................................... 0.4 0.1 0.3 0.3 1.2 1.2 0.3 0.3

Nonunion ............................................................... 1.0 0.5 0.4 0.8 1.6 1.3 0.2 0.8

Wage percentiles:2

Lowest 10 percent ............................................. 2.8 1.0 1.2 2.3 2.7 1.7 0.5 2.7

Lowest 25 percent ............................................. 1.6 0.6 0.7 1.3 1.9 1.4 0.4 1.4

Second 25 percent ............................................ 0.9 0.3 0.6 0.6 1.5 1.3 0.2 0.8

Third 25 percent ................................................ 1.2 0.8 0.4 0.5 1.5 1.3 – –

Highest 25 percent ............................................ 0.4 0.2 0.2 0.3 1.0 0.9 0.2 0.3

Highest 10 percent ............................................ 0.4 0.4 0.3 0.3 1.1 1.0 0.3 0.5

Establishment characteristics

Service-providing industries .................................. 0.6 0.3 0.3 0.5 1.1 1.0 0.2 0.5

Education and health services ........................... 0.5 0.3 0.4 0.4 1.1 1.1 0.2 0.5

Educational services ...................................... 0.6 0.4 0.4 0.5 1.2 1.2 0.2 0.5

Elementary and secondary schools ........... 0.6 0.2 0.4 0.4 1.3 1.3 0.2 0.5

Junior colleges, colleges, and universities 1.8 1.5 0.6 1.3 2.0 1.5 0.4 1.5

Health care and social assistance ................. 1.7 0.8 1.2 1.0 2.4 2.2 – –

Hospitals .................................................... 1.7 1.2 0.4 1.2 1.7 1.6 – –

Public administration ......................................... 1.3 0.6 0.5 1.0 1.9 1.5 0.2 1.1

1 to 99 workers ...................................................... 2.5 1.4 1.5 1.6 2.9 2.1 0.9 2.1

1 to 49 workers .................................................. 3.9 2.2 2.3 2.8 4.2 – – 3.3

50 to 99 workers ................................................ 2.4 1.3 1.2 1.7 3.9 3.2 0.8 2.0

100 workers or more .............................................. 0.5 0.2 0.2 0.4 1.1 1.0 0.1 0.4

100 to 499 workers ............................................ 1.2 0.4 0.4 1.1 2.2 1.8 0.2 1.1

500 workers or more .......................................... 0.5 0.3 0.3 0.4 0.9 0.9 0.2 0.5

See footnotes at end of table.
Table 39. Standard errors for benefit combinations: Access, State and local government workers, National

Compensation Survey, March 2009—Continued

Characteristics

Medical care and retirement benefits Medical care and life insurance

Medical

care and

retirement

benefits

Medical

care and no

retirement

benefits

Retirement

benefits

and no

medical

care

benefits

No medical

care and no

retirement

benefits

Medical

care

benefits

and life

insurance

Medical

care

benefits

and no life

insurance

Life

insurance

and no

medical

care

benefits

No medical

care and no

life

insurance

State government .................................................. 0.9 – – 0.7 2.3 2.3 1 ( ) 0.7

Local government .................................................. 0.7 0.3 0.3 0.5 1.2 0.9 0.2 0.6

Geographic areas

New England ......................................................... 2.5 0.7 1.7 1.6 2.4 – – 2.3

Middle Atlantic ....................................................... 1.3 – – 0.6 1.9 0.9 1.0 0.8

East North Central ................................................. 2.0 – – 1.3 2.1 1.5 0.6 1.6

West North Central ................................................ 2.4 – – 1.6 4.1 – – 2.0

South Atlantic ........................................................ 1.4 0.2 0.2 1.4 2.7 – – 1.5

East South Central ................................................ 3.8 – – 1.7 7.0 – – 2.3

West South Central ............................................... 1.9 0.6 0.5 1.6 3.1 2.5 1 ( ) 1.6

Mountain ................................................................ 1.8 – – 1.8 2.6 – – 1.5

Pacific .................................................................... 0.8 0.2 0.6 1.2 2.8 2.9 – –

See footnotes at end of table.
Table 39. Standard errors for benefit combinations: Access, State and local government workers, National

Compensation Survey, March 2009—Continued

Characteristics

Defined benefit retirement and medical care

benefits

Defined contribution retirement and medical care

benefits

Defined

benefit and

medical

care

benefits

Defined

benefit and

no medical

care

benefits

Medical

care

benefits

and no

defined

benefit

No defined

benefit and

no medical

care

benefits

Defined

contribution

and

medical

care

benefits

Defined

contribution

and no

medical

care

benefits

Medical

care

benefits

and no

defined

contribution

No defined

contribution

and no

medical

care

benefits

All workers ............................................................. 0.9 0.2 0.7 0.5 1.5 0.1 1.4 0.5

Worker characteristics

Management, professional, and related ................ 0.9 0.3 0.7 0.5 1.7 0.1 1.7 0.5

Professional and related .................................... 0.9 0.4 0.7 0.5 1.6 0.1 1.7 0.6

Teachers ........................................................ 1.1 0.4 0.8 0.7 1.7 1 ( ) 1.7 0.7

Primary, secondary, and special education

school teachers ........................................ 0.6 – – 0.4 1.7 – 1.7 –

Registered nurses ......................................... 4.1 – 3.1 – 4.6 – 4.8 –

Service ................................................................... 1.7 0.5 1.1 1.2 1.7 0.2 1.9 1.3

Protective service .............................................. 2.1 0.4 1.7 1.0 2.7 0.3 2.7 1.0

Sales and office ..................................................... 2.0 0.3 1.3 1.3 2.2 0.5 2.0 1.2

Office and administrative support ...................... 1.8 0.3 1.2 1.3 2.2 0.6 2.0 1.2

Natural resources, construction, and maintenance 2.8 0.3 1.9 1.8 3.2 – 3.8 –

Production, transportation, and material moving ... 4.3 – 2.4 – 3.2 – 4.0 –

Full time ................................................................. 0.8 0.1 0.8 0.2 1.7 1 ( ) 1.7 0.2

Part time ................................................................ 1.5 1.4 1.5 1.8 0.9 0.6 1.8 2.0

Union ..................................................................... 0.5 0.3 0.3 0.3 1.8 1 ( ) 1.8 0.4

Nonunion ............................................................... 1.5 0.3 1.3 0.8 2.0 0.3 1.9 0.8

Wage percentiles:2

Lowest 10 percent ............................................. 3.2 1.2 2.1 2.4 2.1 0.6 3.4 2.6

Lowest 25 percent ............................................. 1.9 0.7 1.3 1.3 2.0 0.4 2.2 1.4

Second 25 percent ............................................ 1.2 0.6 0.9 0.5 2.2 1 ( ) 2.1 0.9

Third 25 percent ................................................ 1.4 0.4 1.2 0.6 2.0 0.2 1.9 0.7

Highest 25 percent ............................................ 0.8 0.2 0.7 0.3 1.5 1 ( ) 1.5 0.3

Highest 10 percent ............................................ 1.5 0.3 1.5 0.3 2.3 – 2.3 –

Establishment characteristics

Service-providing industries .................................. 0.9 0.2 0.7 0.5 1.5 0.1 1.4 0.5

Education and health services ........................... 0.8 0.4 0.8 0.4 1.8 0.1 1.9 0.5

Educational services ...................................... 0.7 0.4 0.6 0.5 1.8 1 ( ) 1.8 0.6

Elementary and secondary schools ........... 0.6 0.4 0.3 0.4 1.5 1 ( ) 1.5 0.5

Junior colleges, colleges, and universities 2.4 0.7 2.6 1.3 4.3 – 4.5 –

Health care and social assistance ................. 3.8 – 3.3 – 3.4 0.3 3.6 1.5

Hospitals .................................................... 4.8 – 4.8 – 4.4 0.4 4.5 1.2

Public administration ......................................... 1.5 0.4 0.9 1.0 2.2 0.3 2.2 1.1

1 to 99 workers ...................................................... 3.0 1.2 2.2 2.0 2.4 0.9 3.1 1.9

1 to 49 workers .................................................. 4.2 1.7 2.8 3.1 2.6 1.5 4.0 3.0

50 to 99 workers ................................................ 3.4 1.2 3.0 1.7 4.1 – 3.9 –

100 workers or more .............................................. 0.8 0.2 0.8 0.4 1.6 0.1 1.5 0.5

100 to 499 workers ............................................ 1.6 0.4 1.1 1.1 2.3 0.2 2.4 1.1

500 workers or more .......................................... 0.8 0.3 0.9 0.4 1.8 0.1 1.9 0.5

See footnotes at end of table.
Table 39. Standard errors for benefit combinations: Access, State and local government workers, National

Compensation Survey, March 2009—Continued

Characteristics

Defined benefit retirement and medical care

benefits

Defined contribution retirement and medical care

benefits

Defined

benefit and

medical

care

benefits

Defined

benefit and

no medical

care

benefits

Medical

care

benefits

and no

defined

benefit

No defined

benefit and

no medical

care

benefits

Defined

contribution

and

medical

care

benefits

Defined

contribution

and no

medical

care

benefits

Medical

care

benefits

and no

defined

contribution

No defined

contribution

and no

medical

care

benefits

State government .................................................. 1.5 – 1.5 – 3.1 – 3.3 –

Local government .................................................. 0.9 0.3 0.7 0.5 1.3 0.2 1.2 0.6

Geographic areas

New England ......................................................... 2.4 1.8 0.6 1.6 – – 2.3 2.2

Middle Atlantic ....................................................... 0.9 0.5 0.4 0.9 3.9 – 3.1 –

East North Central ................................................. 2.0 0.9 2.0 1.2 3.6 0.4 2.7 1.8

West North Central ................................................ 6.0 – – 1.9 7.0 – 7.7 –

South Atlantic ........................................................ 1.3 0.2 0.6 1.4 4.1 1 ( ) 3.8 1.5

East South Central ................................................ 5.1 – – 1.7 5.6 – 4.8 –

West South Central ............................................... 1.7 0.4 1.0 1.6 2.0 0.3 1.6 1.7

Mountain ................................................................ 2.9 0.8 2.5 1.8 3.9 0.5 4.6 1.8

Pacific .................................................................... 1.7 0.5 1.4 1.0 3.5 0.2 3.2 1.0

1 Less than 0.05. 2 The percentile groupings are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2008." See Technical Note for

more details.

NOTE: Dash indicates no workers in this category or data did not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Technical note 

Data in this release are from the National Compensation Survey (NCS), conducted by the U.S. 

Department of Labor, Bureau of Labor Statistics (BLS). This release contains March 2009 data 

on civilian, private industry, and State and local government workers in the United States. Under 

the NCS program, information on the incidence and provision of benefits is published in several 

stages. In July 2009, a news release provided data on the incidence of (access to and 

participation in) selected benefits and share of premiums paid by employers and employees for 

medical care. Those estimates are also included in these tables. Included are an extensive 

number of tables on the incidence of selected benefits. Data on detailed provisions of retirement 

and health insurance benefits in private industry will be published in 2010. Previous 

publications containing information on employee benefits for private industry and State and local 

government workers are available on the BLS Web site http://www.bls.gov/ncs/ebs. 

Calculation details 

Averages for occupations within an establishment were used to produce estimates for worker 

groups averaging hourly pay within the six earnings percentiles: Lowest 10 percent, lowest 25 

percent, second 25 percent, third 25 percent, highest 25 percent, and highest 10 percent. 

Percentiles are computed using earnings reported for individual workers in sampled 

establishment jobs and their scheduled hours of work. Establishments in the survey may report 

only individual worker earnings for each sampled job. For the calculation of percentile 

estimates, the individual worker hourly earnings are appropriately weighted and then arrayed 

from lowest to highest. 

Published 10th, 25th, 50th, 75th, and 90th percentiles designate position in the earnings 

distribution within each published occupation. At the 50th percentile, the median, half of the 

hours are paid the same as or more than the rate shown in the data tables, and half are paid the 

same as or less than the rate shown. At the 25th percentile, one-fourth of the hours are paid the 

same as or less than the rate shown. At the 75th percentile, one-fourth are paid the same as or 

more than the rate shown. The 10th and 90th percentiles follow the same logic. The percentile 

values are based on wages published in the bulletin National Compensation Survey: 

Occupational Earnings in the United States, 2008. Values corresponding to the percentiles used 

in the tables are:

Characteristic of workers 

Hourly wage percentile 

10 25 50 

(median) 75 90 

Civilian $ 8.24 $11.00 $16.25 $25.48 $37.86

Private industry 8.00 10.50 15.50 24.22 36.43

State and local government 11.35 14.98 21.43 31.55 43.23
The tables on employer and employee medical premiums include participants in all medical 

plans, with calculations for both single and family coverage. Calculations are not based on 

actual decisions regarding medical coverage made by employees within the occupations. Rather, 

the premium calculations are based on the assumption that all employees in the occupation have 

identical coverage. 

Take-up rates 

Take-up rates are the percentage of workers with access to a plan who participate in the plan. 

They are computed by using the number of workers participating in a plan divided by the number 

of workers with access to the plan, multiplied by 100, and rounded to the nearest one percent. 

Since the computation of take-up rates is based on the number of workers collected rather than 

rounded percentage estimates, take-up rates in the tables may not equal the ratio of participation 

to access estimates.

Survey scope and method 

Information on the survey scope, sample design, data collection, survey estimation, and 

reliability of estimates are available in the news release, “Employee Benefits in the United 

States, March 2009 (USDL 09-0872) available at the BLS Web site 

http://www.bls.gov/news.release/pdf/ebs2.pdf. For additional technical information, see the BLS 

Handbook of Methods, available online at http://www.bls.gov/opub/hom/home.htm. 

Survey definitions 

For definitions of major plan types, key provisions, and related terms used in these tables, see the 

“Glossary of Employee Benefit Terms” at the BLS Web site 

http://www.bls.gov/ncs/ebs/glossary20082009.htm. 

Obtaining additional information 

For research articles on employee benefits, see the Monthly Labor Review or Compensation and 

Working Conditions Online at the BLS Web sites http://www.bls.gov/opub/mlr/home.htm and 

http://www.bls.gov/opub/cwc/home.htm. For more detailed information on the industry and 

occupational classification systems, North American Industry Classification System (NAICS), 

and Standard Occupational Classification (SOC), including background information, see the BLS 

Web sites http://www.bls.gov/bls/naics.htm and http://www.bls.gov/soc/home.htm. 
Appendix table 1. Survey establishment response, National

Compensation Survey, March 2009

Establishments Total Private industry State and local

governments

Total in sampling frame1 ................................ 5,389,642 5,174,044 215,598

 Total in sample ............................................ 18,287 16,265 2,022

 Responding ............................................... 10,570 8,782 1,788

 Refused or unable to provide data ............ 4,979 4,766 213

 Out of business or not in survey scope ..... 2,738 2,717 21

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 2007 North American

Industry Classification System (NAICS). For private

industries, an establishment is usually a single

physical location. For State and local governments,

an establishment is defined as all locations of a

government entity. 

Appendix Tables
Appendix table 2. Number of workers1 represented, National

Compensation Survey, March 2009

Occupational group2 Civilian workers Private industry

workers

State and local

government

workers

All workers ..................................................... 121,695,200 102,319,600 19,375,600

Management, professional, and related .... 34,980,300 24,291,000 10,689,200

Management, business, and financial ... 9,414,900 7,783,200 1,631,600

Professional and related ........................ 25,565,400 16,507,800 9,057,600

Teachers ........................................... 6,301,600 – 4,964,500

Primary, secondary, and special

education school teachers ........... 4,294,000 – 3,695,200

Registered nurses ............................. 2,679,700 2,316,200 363,500

Service ...................................................... 25,667,100 21,548,200 4,118,900

Protective service .................................. 3,225,000 1,363,700 1,861,300

Sales and office ......................................... 32,157,100 29,352,100 2,805,000

Sales and related .................................. 12,016,500 11,867,400 149,100

Office and administrative support .......... 20,140,600 17,484,700 2,655,800

Natural resources, construction, and

maintenance ............................................ 10,660,700 9,679,400 981,300

Construction, extraction, farming,

fishing, and forestry ............................. 5,575,200 5,023,700 551,500

Installation, maintenance, and repair .... 5,085,500 4,655,700 429,900

Production, transportation, and material

moving ..................................................... 18,230,000 17,448,800 781,200

Production ............................................. 8,981,800 8,851,900 129,900

Transportation and material moving ...... 9,248,200 8,596,900 651,300

1 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. 2 The 2000 Standard Occupational Classification

system is used to classify workers.

NOTE: Dashes indicate that no data were reported

or that data did not meet publication criteria.