Annual Bulletin on Benefit Plan Details 

National Compensation Survey: Health and Retirement Plan 

Provisions in Private Industry in the United States, 2013 

U.S. Department of Labor 

Thomas E. Perez, Secretary 

U.S. Bureau of Labor Statistics 

Erica L. Groshen, Commissioner 

August 2014 

Bulletin 2778 

Contents 

Overview 

Basic Provisions – Retirement Tables 

Basic Provisions – Health Tables 

Technical note 

Appendix table 1: Survey establishment response 

Appendix table 2: Number of workers represented 
Overview

The National Compensation Survey (NCS) provides comprehensive measures of compensation 

cost trends, the incidence of benefits, and detailed benefit provisions. This bulletin presents 

estimates of the detailed provisions of employer-provided health and retirement plans in private 

industry in 2013. Under the NCS program, information on the incidence and provision of 

benefits is published in stages. On July 25, 2014 the NCS released selected data for civilian, state 

and local government, and private industry workers, on the incidence (access to and participation 

in) of major employee benefits (retirement, medical care, life insurance, and paid leave) as well 

as on employer and employee shares of contributions to medical care premiums and their 

average amounts. More data for civilian, private industry, and state and local government 

workers for March 2014 will be issued in late September 2014. 

For more information on these data and recent and historical NCS benefits data, call the 

information line at (202) 691–6199, use the contact EBS link to send email, or visit the benefits 

home page at http://www.bls.gov/ebs/. Information is made available to sensory-impaired 

individuals upon request (Voice phone: (202) 691–5200; Federal Relay Service: 1 (800) 877–

8339). Data requests also may be sent to U.S. Bureau of Labor Statistics, Division of 

Compensation Data Analysis and Planning, 2 Massachusetts Avenue NE, Room 4175, 

Washington, DC 20212. Material in this publication is in the public domain and, with 

appropriate credit, may be reproduced without permission.
Table 1. Defined benefit plans: Eligibility requirements, private industry workers, National Compensation Survey, 2013

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

Characteristics Total

Plans open to

new

employees

Open to new employees

Plans not

open to new

employees

Not

determinable

With

minimum

age or

service

requirement

Median age

requirement

(in years)

Median

service

requirement

(in months)

No minimum

age or

service

requirement

Age and

service

requirement

not

determinable

Worker characteristic

All workers ............................................................... 100 68 41 21 12 26 1 ( ) 32 –

Management, professional, and related .................. 100 65 42 21 12 22 1 35 –

Management, business, and financial ................. 100 58 40 21 12 – – 42 –

Professional and related ...................................... 100 70 44 21 12 25 1 30 –

Service ..................................................................... 100 84 50 21 – 35 – 16 –

Sales and office ....................................................... 100 58 41 21 12 16 1 ( ) 42 –

Sales and related ................................................. 100 47 21 21 – – – 53 –

Office and administrative support ........................ 100 61 47 21 12 14 1 ( ) 39 –

Natural resources, construction, and maintenance 100 82 51 21 12 31 – 18 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 95 57 – 12 37 – – –

Installation, maintenance, and repair ................... 100 73 46 21 12 27 – 27 –

Production, transportation, and material moving ..... 100 68 29 21 12 38 1 ( ) 32 –

Production ............................................................ 100 54 12 – 12 41 1 46 –

Transportation and material moving .................... 100 79 44 21 12 36 – 21 –

Full time ................................................................... 100 67 42 21 12 24 1 ( ) 33 –

Part time .................................................................. 100 75 32 21 12 43 – 25 –

Union ....................................................................... 100 85 41 21 12 43 – 15 –

Nonunion ................................................................. 100 57 41 21 12 16 1 43 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 100 60 27 21 12 – – 40 –

Second 25 percent ............................................... 100 69 45 21 12 24 1 ( ) 31 –

Third 25 percent ................................................... 100 66 40 21 12 26 – 34 –

Highest 25 percent ............................................... 100 69 42 21 12 27 1 31 –

Highest 10 percent ........................................... 100 64 33 21 12 30 1 36 –

Establishment characteristic

Goods-producing industries ..................................... 100 58 23 – 12 33 2 42 –

Construction ......................................................... 100 97 62 – 12 35 – – –

Manufacturing ...................................................... 100 44 – – – 26 – 56 –

Service-providing industries ..................................... 100 71 46 21 12 24 1 ( ) 29 –

Trade, transportation, and utilities ....................... 100 75 37 21 12 38 – 25 –

Wholesale trade ............................................... 100 68 – – – – – – –

Retail trade ...................................................... 100 57 20 – 12 – – 43 –

Transportation and warehousing ..................... 100 90 53 – 12 37 – 10 –

Utilities ............................................................. 100 84 38 – 12 46 – – –

Information ........................................................... 100 73 68 – 12 – – – –

Financial activities ................................................ 100 47 38 21 12 8 1 ( ) 53 –

Finance and insurance .................................... 100 47 39 21 12 8 1 ( ) 53 –

Credit intermediation and related activities .. 100 32 31 21 12 – – 68 –

Insurance carriers and related activities ...... 100 71 53 21 12 17 1 29 –

Professional and business services ..................... 100 69 69 – 12 – – 31 –

Education and health services ............................. 100 78 39 21 12 38 – 22 –

Educational services ........................................ 100 87 – – – 65 – – –

Junior colleges, colleges, and universities ... 100 75 53 – 12 – – 25 –

Health care and social assistance ................... 100 76 42 – 12 – – – –

See footnotes at end of table.
Table 1. Defined benefit plans: Eligibility requirements, private industry workers, National Compensation Survey, 2013—continued

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

Characteristics Total

Plans open to

new

employees

Open to new employees

Plans not

open to new

employees

Not

determinable

With

minimum

age or

service

requirement

Median age

requirement

(in years)

Median

service

requirement

(in months)

No minimum

age or

service

requirement

Age and

service

requirement

not

determinable

1 to 99 workers ........................................................ 100 75 41 21 12 35 – 25 –

1 to 49 workers .................................................... 100 78 47 21 12 31 – 22 –

50 to 99 workers .................................................. 100 72 32 21 12 40 – 28 –

100 workers or more ................................................ 100 64 41 21 12 23 1 36 –

100 to 499 workers .............................................. 100 57 29 21 12 27 1 ( ) 43 –

500 workers or more ............................................ 100 70 48 21 12 20 1 30 –

Geographic area

New England ........................................................... 100 81 59 21 12 – – 19 –

Middle Atlantic ......................................................... 100 74 36 21 12 39 1 ( ) 26 –

South Atlantic ........................................................... 100 72 53 21 12 19 – 28 –

East South Central ................................................... 100 61 – – – – – 39 –

West South Central .................................................. 100 53 – – – 31 – 47 –

East North Central ................................................... 100 69 45 21 12 22 2 31 –

West North Central .................................................. 100 58 – – – – – 42 –

Mountain .................................................................. 100 62 – – – – – – –

Pacific ...................................................................... 100 64 39 21 12 – – 36 –

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no

data were reported or that data do not meet publication criteria. For definitions of major plans, key

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 1. Standard errors for defined benefit plans: Eligibility requirements, private industry workers, National

Compensation Survey, 2013

Characteristics

Plans open to

new

employees

Open to new employees

Plans not

open to new

employees

Not

determinable

With

minimum

age or

service

requirement

Median age

requirement

(in years)

Median

service

requirement

(in months)

No minimum

age or

service

requirement

Age and

service

requirement

not

determinable

Worker characteristic

All workers ............................................................... 2.6 3.1 0.0 0.0 2.8 0.4 2.6 –

Management, professional, and related .................. 4.4 5.0 0.0 0.0 5.2 0.6 4.4 –

Management, business, and financial ................. 5.3 5.9 0.0 0.0 – – 5.3 –

Professional and related ...................................... 5.5 7.0 0.0 0.0 7.4 0.8 5.5 –

Service ..................................................................... 4.2 7.9 0.0 – 8.7 – 4.2 –

Sales and office ....................................................... 5.3 5.6 0.0 0.0 2.4 0.3 5.3 –

Sales and related ................................................. 8.7 5.6 2.4 – – – 8.7 –

Office and administrative support ........................ 4.9 6.0 0.0 0.0 2.4 0.3 4.9 –

Natural resources, construction, and maintenance 3.4 5.3 0.0 0.0 4.3 – 3.4 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 1.9 7.8 – 0.0 7.5 – – –

Installation, maintenance, and repair ................... 5.3 7.3 0.0 0.0 5.7 – 5.3 –

Production, transportation, and material moving ..... 4.7 4.6 0.0 0.0 5.0 0.4 4.7 –

Production ............................................................ 7.1 3.0 – 0.0 6.9 1.0 7.1 –

Transportation and material moving .................... 4.6 6.5 0.0 0.0 6.0 – 4.6 –

Full time ................................................................... 2.7 3.2 0.0 0.0 2.8 0.4 2.7 –

Part time .................................................................. 4.4 5.9 0.0 0.0 6.3 – 4.4 –

Union ....................................................................... 2.7 4.5 0.0 0.0 4.8 – 2.7 –

Nonunion ................................................................. 3.5 3.8 0.0 0.0 2.6 0.6 3.5 –

Average wage within the following categories1:

Lowest 25 percent ............................................... 8.3 7.6 0.0 1.5 – – 8.3 –

Second 25 percent ............................................... 4.8 5.5 0.0 0.0 5.1 0.2 4.8 –

Third 25 percent ................................................... 3.2 3.7 0.0 0.0 3.0 – 3.2 –

Highest 25 percent ............................................... 3.3 4.1 0.0 0.0 4.8 0.8 3.3 –

Highest 10 percent ........................................... 6.0 6.1 0.0 0.0 8.6 1.2 6.0 –

Establishment characteristic

Goods-producing industries ..................................... 4.8 4.4 – 0.0 5.5 1.7 4.8 –

Construction ......................................................... 2.5 6.3 – 0.0 6.7 – – –

Manufacturing ...................................................... 5.9 – – – 6.0 – 5.9 –

Service-providing industries ..................................... 3.0 3.7 0.0 0.0 3.3 0.1 3.0 –

Trade, transportation, and utilities ....................... 3.7 4.1 0.0 0.0 4.3 – 3.7 –

Wholesale trade ............................................... 13.7 – – – – – – –

Retail trade ...................................................... 5.9 3.4 – 0.0 – – 5.9 –

Transportation and warehousing ..................... 1.5 7.1 – 0.0 7.3 – 1.5 –

Utilities ............................................................. 7.2 8.3 – 0.0 10.8 – – –

Information ........................................................... 9.4 11.4 – 0.0 – – – –

Financial activities ................................................ 5.2 6.3 0.0 0.0 1.6 0.3 5.2 –

Finance and insurance .................................... 4.7 5.5 0.0 0.0 1.4 0.3 4.7 –

Credit intermediation and related activities .. 4.0 3.9 0.0 0.0 – – 4.0 –

Insurance carriers and related activities ...... 5.5 8.6 0.0 0.0 4.4 0.8 5.5 –

Professional and business services ..................... 8.8 8.8 – 0.0 – – 8.8 –

Education and health services ............................. 6.4 9.7 0.0 0.0 9.3 – 6.4 –

Educational services ........................................ 6.8 – – – 13.7 – – –

Junior colleges, colleges, and universities ... 6.5 9.5 – 0.0 – – 6.5 –

Health care and social assistance ................... 7.3 10.9 – 0.0 – – – –

See footnotes at end of table.
Table 1. Standard errors for defined benefit plans: Eligibility requirements, private industry workers, National

Compensation Survey, 2013—continued

Characteristics

Plans open to

new

employees

Open to new employees

Plans not

open to new

employees

Not

determinable

With

minimum

age or

service

requirement

Median age

requirement

(in years)

Median

service

requirement

(in months)

No minimum

age or

service

requirement

Age and

service

requirement

not

determinable

1 to 99 workers ........................................................ 3.6 5.6 0.0 0.0 6.6 – 3.6 –

1 to 49 workers .................................................... 3.9 7.2 0.0 0.0 7.2 – 3.9 –

50 to 99 workers .................................................. 6.8 8.2 0.0 0.0 11.3 – 6.8 –

100 workers or more ................................................ 3.1 3.5 0.0 0.0 2.5 0.5 3.1 –

100 to 499 workers .............................................. 4.2 3.0 0.0 0.0 4.2 0.1 4.2 –

500 workers or more ............................................ 3.6 4.9 0.0 0.0 3.4 0.9 3.6 –

Geographic area

New England ........................................................... 4.4 9.6 0.0 0.0 – – 4.4 –

Middle Atlantic ......................................................... 5.2 5.4 0.0 0.0 8.1 0.2 5.2 –

South Atlantic ........................................................... 4.3 5.8 0.0 0.0 2.2 – 4.3 –

East South Central ................................................... 2.9 – – – – – 2.9 –

West South Central .................................................. 6.7 – – – 7.7 – 6.7 –

East North Central ................................................... 7.4 7.7 0.0 0.0 4.1 2.3 7.4 –

West North Central .................................................. 11.8 – – – – – 11.8 –

Mountain .................................................................. 11.8 – – – – – – –

Pacific ...................................................................... 9.1 9.2 0.0 0.0 – – 9.1 –

1 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria.

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

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 2. Defined benefit plans: Plan sponsor, private industry workers, National

Compensation Survey, 2013

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

Characteristics Total Single

employer

Multiemployer1 Other

Worker characteristic

All workers ............................................................... 100 75 – –

Management, professional, and related .................. 100 86 – –

Management, business, and financial ................. 100 97 – –

Professional and related ...................................... 100 79 – –

Service ..................................................................... 100 – 50 –

Sales and office ....................................................... 100 81 – –

Sales and related ................................................. 100 64 – –

Office and administrative support ........................ 100 86 – –

Natural resources, construction, and maintenance 100 52 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 – 89 –

Installation, maintenance, and repair ................... 100 82 – –

Production, transportation, and material moving ..... 100 74 – –

Production ............................................................ 100 91 – –

Transportation and material moving .................... 100 61 – –

Full time ................................................................... 100 78 – –

Part time .................................................................. 100 48 – –

Union ....................................................................... 100 – 45 –

Nonunion ................................................................. 100 94 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... 100 52 – –

Second 25 percent ............................................... 100 74 – –

Third 25 percent ................................................... 100 78 – –

Highest 25 percent ............................................... 100 78 – –

Highest 10 percent ........................................... 100 79 – –

Establishment characteristic

Goods-producing industries ..................................... 100 80 20 –

Construction ......................................................... 100 – 96 –

Manufacturing ...................................................... 100 97 – –

Service-providing industries ..................................... 100 74 – –

Trade, transportation, and utilities ....................... 100 62 – –

Wholesale trade ............................................... 100 68 – –

Retail trade ...................................................... 100 48 52 –

Transportation and warehousing ..................... 100 61 – –

Utilities ............................................................. 100 98 – –

Information ........................................................... 100 100 – –

Financial activities ................................................ 100 98 – –

Finance and insurance .................................... 100 99 – –

Credit intermediation and related activities .. 100 100 – –

Insurance carriers and related activities ...... 100 98 – –

Professional and business services ..................... 100 95 – –

Education and health services ............................. 100 69 – –

Educational services ........................................ 100 – – 59

Junior colleges, colleges, and universities ... 100 95 – –

Health care and social assistance ................... 100 73 – –

See footnotes at end of table.
Table 2. Defined benefit plans: Plan sponsor, private industry workers, National

Compensation Survey, 2013—continued

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

Characteristics Total Single

employer

Multiemployer1 Other

1 to 99 workers ........................................................ 100 67 – –

1 to 49 workers .................................................... 100 71 – –

50 to 99 workers .................................................. 100 63 – –

100 workers or more ................................................ 100 79 – –

100 to 499 workers .............................................. 100 71 – –

500 workers or more ............................................ 100 84 – –

Geographic area

New England ........................................................... 100 80 – –

Middle Atlantic ......................................................... 100 59 – –

South Atlantic ........................................................... 100 88 – –

East South Central ................................................... 100 74 – –

West South Central .................................................. 100 83 – –

East North Central ................................................... 100 80 14 5

West North Central .................................................. 100 87 13 –

Mountain .................................................................. 100 81 – –

Pacific ...................................................................... 100 64 – –

1 Plans established by a labor organization and provided

to employees of two or more unrelated companies in

accordance with a collective bargaining agreement. 2 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not

equal totals. Dashes indicate that no data were reported or

that data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 2. Standard errors for defined benefit plans: Plan sponsor,

private industry workers, National Compensation Survey, 2013

Characteristics Single

employer

Multiemployer1 Other

Worker characteristic

All workers ............................................................... 3.3 – –

Management, professional, and related .................. 5.8 – –

Management, business, and financial ................. 1.0 – –

Professional and related ...................................... 8.9 – –

Service ..................................................................... – 8.4 –

Sales and office ....................................................... 2.5 – –

Sales and related ................................................. 6.4 – –

Office and administrative support ........................ 2.7 – –

Natural resources, construction, and maintenance 4.9 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 3.0 –

Installation, maintenance, and repair ................... 3.8 – –

Production, transportation, and material moving ..... 4.9 – –

Production ............................................................ 3.1 – –

Transportation and material moving .................... 8.0 – –

Full time ................................................................... 3.4 – –

Part time .................................................................. 4.8 – –

Union ....................................................................... – 3.4 –

Nonunion ................................................................. 1.4 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... 8.9 – –

Second 25 percent ............................................... 5.6 – –

Third 25 percent ................................................... 3.3 – –

Highest 25 percent ............................................... 4.5 – –

Highest 10 percent ........................................... 8.8 – –

Establishment characteristic

Goods-producing industries ..................................... 3.5 3.5 –

Construction ......................................................... – 2.5 –

Manufacturing ...................................................... 0.9 – –

Service-providing industries ..................................... 4.1 – –

Trade, transportation, and utilities ....................... 4.9 – –

Wholesale trade ............................................... 14.5 – –

Retail trade ...................................................... 5.8 5.8 –

Transportation and warehousing ..................... 9.6 – –

Utilities ............................................................. 1.3 – –

Information ........................................................... 0.0 – –

Financial activities ................................................ 0.6 – –

Finance and insurance .................................... 0.9 – –

Credit intermediation and related activities .. 0.0 – –

Insurance carriers and related activities ...... 1.5 – –

Professional and business services ..................... 3.6 – –

Education and health services ............................. 12.0 – –

Educational services ........................................ – – 15.5

Junior colleges, colleges, and universities ... 2.8 – –

Health care and social assistance ................... 14.0 – –

See footnotes at end of table.
Table 2. Standard errors for defined benefit plans: Plan sponsor,

private industry workers, National Compensation Survey,

2013—continued

Characteristics Single

employer

Multiemployer1 Other

1 to 99 workers ........................................................ 6.2 – –

1 to 49 workers .................................................... 5.7 – –

50 to 99 workers .................................................. 11.2 – –

100 workers or more ................................................ 3.0 – –

100 to 499 workers .............................................. 4.3 – –

500 workers or more ............................................ 3.3 – –

Geographic area

New England ........................................................... 9.0 – –

Middle Atlantic ......................................................... 10.7 – –

South Atlantic ........................................................... 2.2 – –

East South Central ................................................... 16.7 – –

West South Central .................................................. 7.1 – –

East North Central ................................................... 2.7 3.2 0.8

West North Central .................................................. 2.8 2.8 –

Mountain .................................................................. 14.0 – –

Pacific ...................................................................... 7.9 – –

1 Plans established by a labor organization and

provided to employees of two or more unrelated

companies in accordance with a collective bargaining

agreement. 2 Surveyed occupations are classified into wage

categories based on the average wage for the

occupation, which may include workers with earnings

both above and below the threshold. The categories

were formed using percentile estimates generated

using data from the National Compensation Survey

publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Dashes indicate that no data were reported or

that data do not meet publication criteria. For

definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms"

at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 3. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey, 2013

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

Characteristics Total Traditional

Traditional plan formula

Nontraditional

Non-traditional plan formula

Percent of

terminal

earnings

Percent of

career

earnings

Dollar

times

years1

Percent of

employer

contribution

Cash

balance

Pension

equity Other

Worker characteristic

All workers ............................................................... 100 68 37 – 21 – 32 30 – –

Management, professional, and related .................. 100 60 49 – – – 40 38 – –

Management, business, and financial ................. 100 52 43 – – – 48 47 – –

Professional and related ...................................... 100 65 52 – – – 35 32 – –

Service ..................................................................... 100 79 37 – – – 21 19 – –

Sales and office ....................................................... 100 58 28 7 22 – 42 42 – –

Sales and related ................................................. 100 72 – – – – 28 28 – –

Office and administrative support ........................ 100 54 30 – 18 – 46 46 – –

Natural resources, construction, and maintenance 100 88 – – 43 23 12 12 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 – – – 43 49 ––––

Installation, maintenance, and repair ................... 100 – 31 – 44 – ––––

Production, transportation, and material moving ..... 100 81 35 – 41 – 19 17 – –

Production ............................................................ 100 76 36 – 39 – 24 22 – –

Transportation and material moving .................... 100 – 35 – 43 – ––––

Full time ................................................................... 100 67 39 – 18 – 33 31 – –

Part time .................................................................. 100 82 22 – 54 – 18 17 – –

Union ....................................................................... 100 91 26 – 51 – 98––

Nonunion ................................................................. 100 55 44 – 3 – 45 43 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... 100 79 – – 47 – 21 – – –

Second 25 percent ............................................... 100 64 27 – 27 – 36 33 – –

Third 25 percent ................................................... 100 69 41 – 20 – 31 30 – –

Highest 25 percent ............................................... 100 68 42 – 16 – 32 30 – –

Highest 10 percent ........................................... 100 70 53 – 6 – 30 28 – –

Establishment characteristic

Goods-producing industries ..................................... 100 79 38 – 31 – 21 20 – –

Construction ......................................................... 100 – – – 46 47 ––––

Manufacturing ...................................................... 100 73 42 – 30 – 27 25 – –

Service-providing industries ..................................... 100 65 37 – 18 – 35 33 – –

Trade, transportation, and utilities ....................... 100 79 33 – 41 – 21 21 – –

Wholesale trade ............................................... 100 – – – – – ––––

Retail trade ...................................................... 100 – – – 62 – ––––

Transportation and warehousing ..................... 100 – 44 – – – ––––

Utilities ............................................................. 100 55 47 – – – 45 45 – –

Information ........................................................... 100 78 – – 38 – 22 22 – –

Financial activities ................................................ 100 39 33 – – – 61 60 – –

Finance and insurance .................................... 100 36 35 – – – 64 63 – –

Credit intermediation and related activities .. 100 19 19 – – – 81 81 – –

Insurance carriers and related activities ...... 100 54 54 – – – 46 44 – –

Professional and business services ..................... 100 50 36 – – – 50 50 – –

Education and health services ............................. 100 – 56 – – – ––––

Educational services ........................................ 100 – 77 – – – ––––

Junior colleges, colleges, and universities ... 100 – 70 29 – – ––––

Health care and social assistance ................... 100 – 53 – – – ––––

See footnotes at end of table.
Table 3. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey, 2013—continued

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

Characteristics Total Traditional

Traditional plan formula

Nontraditional

Non-traditional plan formula

Percent of

terminal

earnings

Percent of

career

earnings

Dollar

times

years1

Percent of

employer

contribution

Cash

balance

Pension

equity Other

1 to 99 workers ........................................................ 100 71 37 – 22 – 29 29 – –

1 to 49 workers .................................................... 100 67 29 – 25 – 33 33 – –

50 to 99 workers .................................................. 100 76 48 – 19 – 24 23 – –

100 workers or more ................................................ 100 67 37 – 21 – 33 31 – –

100 to 499 workers .............................................. 100 75 36 – 29 – 25 25 – –

500 workers or more ............................................ 100 62 38 – 15 – 38 34 – –

Geographic area

New England ........................................................... 100 51 25 – – – 49 49 – –

Middle Atlantic ......................................................... 100 81 50 – – – 19 18 – –

South Atlantic ........................................................... 100 71 37 – 29 – 29 28 – –

East South Central ................................................... 100 – 39 – 52 – ––––

West South Central .................................................. 100 59 38 – – – 41 39 – –

East North Central ................................................... 100 57 25 – – – 43 39 – –

West North Central .................................................. 100 62 31 – 25 – 38 36 – –

Mountain .................................................................. 100 62 – – – – 38 38 – –

Pacific ...................................................................... 100 74 40 – 24 – 26 25 – –

1 Benefits are based on a dollar amount per month for each year of service recognized by the

plan. 2 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no

data were reported or that data do not meet publication criteria. For definitions of major plans, key

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 3. Standard errors for defined benefit plans: Primary formula, private industry workers, National Compensation

Survey, 2013

Characteristics Traditional

Traditional plan formula

Nontraditional

Non-traditional plan formula

Percent of

terminal

earnings

Percent of

career

earnings

Dollar

times

years1

Percent of

employer

contribution

Cash

balance

Pension

equity Other

Worker characteristic

All workers ............................................................... 2.6 3.4 – 2.4 – 2.6 2.4 – –

Management, professional, and related .................. 5.6 5.5 – – – 5.6 5.0 – –

Management, business, and financial ................. 5.4 5.2 – – – 5.4 5.4 – –

Professional and related ...................................... 8.0 7.7 – – – 8.0 6.9 – –

Service ..................................................................... 4.6 9.3 – – – 4.6 4.1 – –

Sales and office ....................................................... 3.2 2.8 2.1 3.6 – 3.2 3.2 – –

Sales and related ................................................. 6.1 – – – – 6.1 6.1 – –

Office and administrative support ........................ 4.5 3.5 – 3.5 – 4.5 4.6 – –

Natural resources, construction, and maintenance 3.0 – – 6.7 5.2 3.0 3.0 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – 9.6 9.9 – – – –

Installation, maintenance, and repair ................... – 5.8 – 7.7 – – – – –

Production, transportation, and material moving ..... 3.4 5.3 – 5.1 – 3.4 3.2 – –

Production ............................................................ 4.2 7.5 – 7.0 – 4.2 4.0 – –

Transportation and material moving .................... – 6.5 – 6.9 – – – – –

Full time ................................................................... 2.7 3.4 – 2.2 – 2.7 2.6 – –

Part time .................................................................. 4.8 5.5 – 7.4 – 4.8 4.5 – –

Union ....................................................................... 1.7 6.5 – 5.7 – 1.7 1.6 – –

Nonunion ................................................................. 3.9 3.3 – 0.9 – 3.9 3.5 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... 6.1 – – 8.6 – 6.1 – – –

Second 25 percent ............................................... 5.1 5.2 – 5.2 – 5.1 4.7 – –

Third 25 percent ................................................... 3.5 4.4 – 3.8 – 3.5 3.4 – –

Highest 25 percent ............................................... 3.5 4.3 – 2.5 – 3.5 3.4 – –

Highest 10 percent ........................................... 5.6 7.0 – 1.8 – 5.6 5.4 – –

Establishment characteristic

Goods-producing industries ..................................... 4.1 7.4 – 5.8 – 4.1 4.0 – –

Construction ......................................................... – – – 9.7 9.2 – – – –

Manufacturing ...................................................... 5.3 7.5 – 6.4 – 5.3 5.3 – –

Service-providing industries ..................................... 3.2 3.8 – 2.5 – 3.2 2.9 – –

Trade, transportation, and utilities ....................... 3.9 4.6 – 4.9 – 3.9 3.9 – –

Wholesale trade ............................................... – – – – – – – – –

Retail trade ...................................................... – – – 5.3 – – – – –

Transportation and warehousing ..................... – 8.8 – – – – – – –

Utilities ............................................................. 7.1 7.0 – – – 7.1 7.1 – –

Information ........................................................... 6.7 – – 8.8 – 6.7 6.7 – –

Financial activities ................................................ 4.1 3.9 – – – 4.1 4.2 – –

Finance and insurance .................................... 3.9 3.9 – – – 3.9 4.0 – –

Credit intermediation and related activities .. 3.4 3.4 – – – 3.4 3.4 – –

Insurance carriers and related activities ...... 5.3 4.8 – – – 5.3 5.0 – –

Professional and business services ..................... 11.6 8.1 – – – 11.6 11.6 – –

Education and health services ............................. – 9.5 – – – – – – –

Educational services ........................................ – 11.6 – – – – – – –

Junior colleges, colleges, and universities ... – 7.2 7.1 – – – – – –

Health care and social assistance ................... – 11.2 – – – – – – –

See footnotes at end of table.
Table 3. Standard errors for defined benefit plans: Primary formula, private industry workers, National Compensation

Survey, 2013—continued

Characteristics Traditional

Traditional plan formula

Nontraditional

Non-traditional plan formula

Percent of

terminal

earnings

Percent of

career

earnings

Dollar

times

years1

Percent of

employer

contribution

Cash

balance

Pension

equity Other

1 to 99 workers ........................................................ 4.9 6.2 – 4.0 – 4.9 4.7 – –

1 to 49 workers .................................................... 7.1 6.6 – 5.3 – 7.1 7.1 – –

50 to 99 workers .................................................. 6.0 10.4 – 5.4 – 6.0 5.8 – –

100 workers or more ................................................ 2.6 3.5 – 2.8 – 2.6 2.5 – –

100 to 499 workers .............................................. 3.6 4.9 – 4.2 – 3.6 3.6 – –

500 workers or more ............................................ 4.0 4.3 – 3.3 – 4.0 4.0 – –

Geographic area

New England ........................................................... 10.5 4.4 – – – 10.5 10.5 – –

Middle Atlantic ......................................................... 3.9 10.7 – – – 3.9 4.4 – –

South Atlantic ........................................................... 4.6 6.7 – 4.5 – 4.6 4.7 – –

East South Central ................................................... – 9.6 – 7.2 – – – – –

West South Central .................................................. 7.7 9.2 – – – 7.7 7.9 – –

East North Central ................................................... 8.8 4.6 – – – 8.8 6.2 – –

West North Central .................................................. 7.4 6.4 – 2.7 – 7.4 7.3 – –

Mountain .................................................................. 8.6 – – – – 8.6 8.6 – –

Pacific ...................................................................... 6.4 7.5 – 5.7 – 6.4 6.2 – –

1 Benefits are based on a dollar amount per month for each year of service recognized by

the plan. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria.

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

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 4. Defined contribution plans: Type of plan,1

 private industry workers, National Compensation

Survey, 2013

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

Characteristics Savings and

thrift

Deferred

profit

sharing

Employee

stock

ownership

Money

purchase

pension

Simplified

employee

pension

(SEP)

Savings

incentive

match plan

(SIMPLE)

Other

Worker characteristic

All workers ............................................................... 75 16 4 18 – 2 –

Management, professional, and related .................. 75 14 – 22 – 2 –

Management, business, and financial ................. 80 13 3 16 – 2 –

Professional and related ...................................... 72 14 – 25 – – –

Service ..................................................................... 60 22 – 24 – – –

Protective service ................................................ 87 – – – – – –

Sales and office ....................................................... 81 16 6 11 – 2 –

Sales and related ................................................. 85 16 – – – – –

Office and administrative support ........................ 80 16 – 14 – 2 –

Natural resources, construction, and maintenance 66 12 – 23 – – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 46 15 – 36 – – –

Installation, maintenance, and repair ................... 77 11 – 15 – – –

Production, transportation, and material moving ..... 73 21 – 18 – – –

Production ............................................................ 75 22 – 15 – – –

Transportation and material moving .................... 69 20 – 23 – – –

Full time ................................................................... 75 16 3 19 – 2 –

Part time .................................................................. 70 18 – 14 – – –

Union ....................................................................... 58 – – 42 – – –

Nonunion ................................................................. 76 17 3 16 – 2 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 72 19 6 9 – – –

Lowest 10 percent ........................................... 58 33 – – – – –

Second 25 percent ............................................... 75 19 – 14 – – –

Third 25 percent ................................................... 75 19 – 19 – 3 –

Highest 25 percent ............................................... 75 12 – 23 – 1 –

Highest 10 percent ........................................... 76 9 – 24 – – –

Establishment characteristic

Goods-producing industries ..................................... 69 20 – 21 – – –

Construction ......................................................... 50 22 – 27 – – –

Manufacturing ...................................................... 72 20 – 21 – – –

Service-providing industries ..................................... 76 16 – 17 – 2 –

Trade, transportation, and utilities ....................... 81 16 4 9 – – –

Wholesale trade ............................................... 78 19 – – – – –

Retail trade ...................................................... 85 15 – – – – –

Transportation and warehousing ..................... 74 – – 28 – – –

Utilities ............................................................. 92 – – – – – –

Information ........................................................... 94 14 – – – – –

Financial activities ................................................ 82 22 – 8 – – –

Finance and insurance .................................... 83 24 – 8 – – –

Credit intermediation and related activities .. 81 27 – – – – –

Insurance carriers and related activities ...... 85 18 – – – – –

Professional and business services ..................... 83 – – 13 – – –

Professional and technical services ................. 79 – – – – – –

Administrative and waste services ................... 82 – – – – – –

Education and health services ............................. 67 16 – 32 – – –

Educational services ........................................ 40 – – 61 – – –

Junior colleges, colleges, and universities ... 34 – – 75 – – –

Health care and social assistance ................... 71 18 – 27 – – –

See footnotes at end of table.
Table 4. Defined contribution plans: Type of plan,1

 private industry workers, National Compensation

Survey, 2013—continued

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

Characteristics Savings and

thrift

Deferred

profit

sharing

Employee

stock

ownership

Money

purchase

pension

Simplified

employee

pension

(SEP)

Savings

incentive

match plan

(SIMPLE)

Other

Leisure and hospitality ......................................... 54 – – – – – –

Other services ...................................................... 38 – – – – – –

1 to 99 workers ........................................................ 68 18 3 15 – 5 –

1 to 49 workers .................................................... 64 18 4 17 – 6 –

50 to 99 workers .................................................. 76 16 – – – – –

100 workers or more ................................................ 79 15 – 20 – – –

100 to 499 workers .............................................. 82 15 3 15 – – –

500 workers or more ............................................ 76 16 – 26 – – –

Geographic area

New England ........................................................... 80 14 – 13 – 3 –

Middle Atlantic ......................................................... 70 10 – 29 – – –

South Atlantic ........................................................... 78 9 – 18 – – –

East South Central ................................................... 86 – – – – – –

West South Central .................................................. 77 17 – – – – –

East North Central ................................................... 70 28 – 15 – – –

West North Central .................................................. 72 21 5 14 – – –

Mountain .................................................................. 81 17 – 12 – – –

Pacific ...................................................................... 73 15 – 25 – – –

1 Sum of individual items may be greater than total because multiple plans are

available to some employees. 2 Surveyed occupations are classified into wage categories based on the

average wage for the occupation, which may include workers with earnings both

above and below the threshold. The categories were formed using percentile

estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet

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

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 4. Standard errors for defined contribution plans: Type of plan, private industry workers, National

Compensation Survey, 2013

Characteristics Savings and

thrift

Deferred

profit

sharing

Employee

stock

ownership

Money

purchase

pension

Simplified

employee

pension

(SEP)

Savings

incentive

match plan

(SIMPLE)

Other

Worker characteristic

All workers ............................................................... 1.5 1.3 0.8 1.3 – 0.5 –

Management, professional, and related .................. 2.6 1.9 – 2.2 – 0.5 –

Management, business, and financial ................. 2.0 2.4 0.9 2.3 – 0.6 –

Professional and related ...................................... 3.5 2.1 – 3.1 – – –

Service ..................................................................... 6.4 5.3 – 6.2 – – –

Protective service ................................................ 11.1 – – – – – –

Sales and office ....................................................... 1.4 1.6 1.7 1.3 – 0.5 –

Sales and related ................................................. 1.8 2.1 – – – – –

Office and administrative support ........................ 1.7 1.8 – 1.6 – 0.5 –

Natural resources, construction, and maintenance 3.9 1.7 – 3.5 – – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 7.5 3.1 – 6.9 – – –

Installation, maintenance, and repair ................... 4.2 2.6 – 3.7 – – –

Production, transportation, and material moving ..... 3.5 2.2 – 3.0 – – –

Production ............................................................ 4.5 3.1 – 3.7 – – –

Transportation and material moving .................... 3.5 3.4 – 3.3 – – –

Full time ................................................................... 1.5 1.2 1.0 1.4 – 0.5 –

Part time .................................................................. 4.3 4.6 – 3.0 – – –

Union ....................................................................... 6.1 – – 5.7 – – –

Nonunion ................................................................. 1.5 1.4 0.8 1.3 – 0.5 –

Average wage within the following categories1:

Lowest 25 percent ............................................... 3.5 2.6 1.5 2.6 – – –

Lowest 10 percent ........................................... 8.6 8.7 – – – – –

Second 25 percent ............................................... 2.2 2.6 – 2.0 – – –

Third 25 percent ................................................... 2.1 1.9 – 1.9 – 0.8 –

Highest 25 percent ............................................... 3.0 1.6 – 2.2 – 0.4 –

Highest 10 percent ........................................... 4.9 1.7 – 4.0 – – –

Establishment characteristic

Goods-producing industries ..................................... 4.1 2.4 – 3.1 – – –

Construction ......................................................... 5.7 4.6 – 4.6 – – –

Manufacturing ...................................................... 4.3 2.9 – 3.6 – – –

Service-providing industries ..................................... 1.5 1.6 – 1.4 – 0.4 –

Trade, transportation, and utilities ....................... 1.5 2.0 0.9 1.8 – – –

Wholesale trade ............................................... 3.7 4.1 – – – – –

Retail trade ...................................................... 2.3 2.2 – – – – –

Transportation and warehousing ..................... 7.0 – – 7.9 – – –

Utilities ............................................................. 6.0 – – – – – –

Information ........................................................... 2.7 3.6 – – – – –

Financial activities ................................................ 2.1 2.7 – 1.8 – – –

Finance and insurance .................................... 2.3 2.4 – 2.1 – – –

Credit intermediation and related activities .. 3.9 3.8 – – – – –

Insurance carriers and related activities ...... 2.9 3.7 – – – – –

Professional and business services ..................... 4.9 – – 3.1 – – –

Professional and technical services ................. 8.8 – – – – – –

Administrative and waste services ................... 5.9 – – – – – –

Education and health services ............................. 3.0 3.5 – 3.9 – – –

Educational services ........................................ 6.2 – – 5.9 – – –

Junior colleges, colleges, and universities ... 6.3 – – 6.0 – – –

Health care and social assistance ................... 3.4 4.0 – 4.6 – – –

See footnotes at end of table.
Table 4. Standard errors for defined contribution plans: Type of plan, private industry workers, National

Compensation Survey, 2013—continued

Characteristics Savings and

thrift

Deferred

profit

sharing

Employee

stock

ownership

Money

purchase

pension

Simplified

employee

pension

(SEP)

Savings

incentive

match plan

(SIMPLE)

Other

Leisure and hospitality ......................................... 14.1 – – – – – –

Other services ...................................................... 11.1 – – – – – –

1 to 99 workers ........................................................ 2.2 1.7 0.9 2.8 – 1.1 –

1 to 49 workers .................................................... 3.1 1.8 1.3 3.3 – 1.3 –

50 to 99 workers .................................................. 5.1 3.9 – – – – –

100 workers or more ................................................ 2.2 1.9 – 1.6 – – –

100 to 499 workers .............................................. 3.2 2.3 0.7 2.7 – – –

500 workers or more ............................................ 2.8 2.8 – 2.3 – – –

Geographic area

New England ........................................................... 3.8 3.8 – 2.4 – 0.8 –

Middle Atlantic ......................................................... 5.3 1.7 – 4.7 – – –

South Atlantic ........................................................... 2.5 1.6 – 2.5 – – –

East South Central ................................................... 3.6 – – – – – –

West South Central .................................................. 7.1 3.0 – – – – –

East North Central ................................................... 3.3 5.1 – 2.1 – – –

West North Central .................................................. 4.2 3.2 1.0 3.0 – – –

Mountain .................................................................. 2.3 4.1 – 1.6 – – –

Pacific ...................................................................... 5.2 1.8 – 5.1 – – –

1 Surveyed occupations are classified into wage categories based on the

average wage for the occupation, which may include workers with earnings both

above and below the threshold. The categories were formed using percentile

estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet

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

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 5. Deferred profit-sharing plans: Method of employee contribution, private industry workers, National

Compensation Survey, 2013

(All workers participating in deferred profit sharing plans = 100 percent)

Characteristics

Employee

contributions

allowed1

Pre-tax employee contributions

allowed

Post-tax2 employee

contributions allowed Employee

contributions

not allowed

Not

determinable

Yes No Not

determinable Yes No Notdeterminable

Worker characteristic

All workers ............................................................... 18 18 – – 7 9 2 80 2

Management, professional, and related .................. – – – – – – 3 ( ) 80 –

Management, business, and financial ................. 17 17 – – – – 1 82 1

Professional and related ...................................... – – – – – – – 79 –

Service ..................................................................... – – – – – – – 78 –

Sales and office ....................................................... 20 20 – – – 11 – 76 4

Sales and related ................................................. 15 15 – – – – 3 84 1

Office and administrative support ........................ 23 23 – – – 13 – 72 5

Natural resources, construction, and maintenance – – – – – – 6 79 –

Production, transportation, and material moving ..... – – – – – – 5 85 –

Production ............................................................ – – – – – – 6 85 –

Full time ................................................................... 17 17 – – 6 9 2 80 2

Part time .................................................................. – – – – – – – 73 –

Nonunion ................................................................. 19 19 – – 8 9 2 79 2

Average wage within the following categories4:

Lowest 25 percent ............................................... – – – – – – 3 74 –

Second 25 percent ............................................... 19 19 – – – – 4 80 3 ( )

Third 25 percent ................................................... 15 15 – – 6 8 1 84 1

Highest 25 percent ............................................... 19 19 – – – 8 – 76 4

Highest 10 percent ........................................... 15 15 – – – – – 79 6

Establishment characteristic

Goods-producing industries ..................................... – – – – – – 5 85 –

Service-providing industries ..................................... 19 19 – – – 9 – 78 3

Trade, transportation, and utilities ....................... – – – – – – 4 84 –

Financial activities ................................................ 22 22 – – – – 1 75 3

Finance and insurance .................................... 21 21 – – – – 1 77 2

1 to 99 workers ........................................................ 30 30 – – – 15 – 70 1

1 to 49 workers .................................................... 28 28 – – 12 – – 71 1

50 to 99 workers .................................................. – – – – – – 6 67 –

100 workers or more ................................................ 9 9 – – – – 2 87 3

100 to 499 workers .............................................. – – – – – – 1 83 –

500 workers or more ............................................ – – – – – – 4 92 –

Geographic area

Middle Atlantic ......................................................... – – – – – – 12 73 –

South Atlantic ........................................................... 14 14 – – – – – 85 1

West South Central .................................................. – – – – – – 11 60 –

East North Central ................................................... – – – – – – 3 ( ) 94 –

Pacific ...................................................................... 18 18 – – – 11 – 82 –

1 Sum of workers with pre-tax and post-tax contributions may be greater than total

because both methods of contribution are available to some employees. 2 Under these plans, employees are allowed to have part or all of their post-tax retirement

plan contributions grow tax free. 3 Less than 0.5. 4 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data from

the National Compensation Survey publication, "Employer Costs for Employee Compensation

- March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that

no data were reported or that data do not meet publication criteria. For definitions of major

plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 5. Standard errors for deferred profit-sharing plans: Method of employee contribution, private industry workers,

National Compensation Survey, 2013

Characteristics

Employee

contributions

allowed

Pre-tax employee contributions

allowed

Post-tax1 employee

contributions allowed Employee

contributions

not allowed

Not

determinable

Yes No Not

determinable Yes No Notdeterminable

Worker characteristic

All workers ............................................................... 3.4 3.4 – – 2.2 2.0 1.3 3.5 1.0

Management, professional, and related .................. – – – – – – 0.4 5.9 –

Management, business, and financial ................. 4.8 4.8 – – – – 1.2 4.9 1.0

Professional and related ...................................... – – – – – – – 8.3 –

Service ..................................................................... – – – – – – – 10.0 –

Sales and office ....................................................... 3.7 3.7 – – – 2.8 – 4.2 2.3

Sales and related ................................................. 4.1 4.1 – – – – 2.7 4.1 1.0

Office and administrative support ........................ 4.5 4.5 – – – 3.7 – 5.2 3.3

Natural resources, construction, and maintenance – – – – – – 4.3 7.1 –

Production, transportation, and material moving ..... – – – – – – 3.5 5.0 –

Production ............................................................ – – – – – – 5.3 6.8 –

Full time ................................................................... 3.1 3.1 – – 1.3 2.2 1.4 3.2 1.0

Part time .................................................................. – – – – – – – 16.2 –

Nonunion ................................................................. 3.5 3.5 – – 2.3 2.1 1.4 3.6 1.1

Average wage within the following categories2:

Lowest 25 percent ............................................... – – – – – – 2.8 10.6 –

Second 25 percent ............................................... 5.4 5.4 – – – – 2.7 5.5 0.4

Third 25 percent ................................................... 3.0 3.0 – – 1.7 2.3 0.7 3.1 0.5

Highest 25 percent ............................................... 4.7 4.7 – – – 2.2 – 5.4 3.1

Highest 10 percent ........................................... 3.7 3.7 – – – – – 5.2 3.9

Establishment characteristic

Goods-producing industries ..................................... – – – – – – 4.2 5.5 –

Service-providing industries ..................................... 4.1 4.1 – – – 2.6 – 4.4 1.4

Trade, transportation, and utilities ....................... – – – – – – 3.1 5.7 –

Financial activities ................................................ 4.4 4.4 – – – – 1.2 5.0 1.5

Finance and insurance .................................... 4.5 4.5 – – – – 1.2 4.6 1.5

1 to 99 workers ........................................................ 5.9 5.9 – – – 4.0 – 5.9 0.5

1 to 49 workers .................................................... 5.7 5.7 – – 3.2 – – 5.8 0.7

50 to 99 workers .................................................. – – – – – – 5.2 12.8 –

100 workers or more ................................................ 2.8 2.8 – – – – 1.9 3.3 1.8

100 to 499 workers .............................................. – – – – – – 0.7 5.3 –

500 workers or more ............................................ – – – – – – 4.0 4.3 –

Geographic area

Middle Atlantic ......................................................... – – – – – – 9.4 16.2 –

South Atlantic ........................................................... 4.1 4.1 – – – – – 4.6 1.2

West South Central .................................................. – – – – – – 10.1 9.7 –

East North Central ................................................... – – – – – – 0.3 2.7 –

Pacific ...................................................................... 4.2 4.2 – – – 2.2 – 4.2 –

1 Under these plans, employees are allowed to have part or all of their post-tax retirement

plan contributions grow tax free. 2 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data from

the National Compensation Survey publication, "Employer Costs for Employee Compensation

- March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria.

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

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 6. Money purchase pension plans: Method of employee contribution, private industry workers, National

Compensation Survey, 2013

(All workers participating in money purchase pension plans = 100 percent)

Characteristics

Employee

contributions

allowed1

Pre-tax employee contributions

allowed

Post-tax2 employee

contributions allowed Employee

contributions

not allowed

Not

determinable

Yes No Not

determinable Yes No Notdeterminable

Worker characteristic

All workers ............................................................... 30 27 – – – 18 – 67 3

Management, professional, and related .................. 32 30 – – – 22 – 64 4

Management, business, and financial ................. 22 21 – – – – 1 75 3

Professional and related ...................................... 36 34 – – – – 5 60 4

Service ..................................................................... – – – – – – 2 68 –

Sales and office ....................................................... 34 27 – – – 11 – 64 2

Office and administrative support ........................ 32 30 – – – 12 – 65 3

Natural resources, construction, and maintenance – – – – – – 1 73 –

Installation, maintenance, and repair ................... – – – – – – 1 84 –

Production, transportation, and material moving ..... – – – – – – – 76 –

Production ............................................................ – – – – – – – 73 –

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

Full time ................................................................... 28 26 – – – 17 – 69 3

Part time .................................................................. 53 – – – – – 2 44 3

Nonunion ................................................................. 28 24 – – – 13 – 69 3

Average wage within the following categories3:

Second 25 percent ............................................... 28 24 – – – – 3 69 3

Third 25 percent ................................................... 23 19 – – – 11 – 75 2

Highest 25 percent ............................................... 32 31 – – – 24 – 65 4

Highest 10 percent ........................................... 43 42 – – – – 5 53 3

Establishment characteristic

Goods-producing industries ..................................... – – – – – – – 81 –

Manufacturing ...................................................... – – – – – – – 76 –

Service-providing industries ..................................... 35 31 – – – 19 – 63 2

Education and health services ............................. 45 44 – – – 27 – 54 1

Educational services ........................................ 65 65 – – – 52 – 31 4

Junior colleges, colleges, and universities ... 64 64 – – – 48 – 31 5

Health care and social assistance ................... 37 – – – – – 2 63 –

1 to 99 workers ........................................................ 36 34 – – – – 1 61 3

1 to 49 workers .................................................... – – – – – – – 70 –

100 workers or more ................................................ 27 23 – – – 18 – 70 3

100 to 499 workers .............................................. – – – – – – 4 75 –

500 workers or more ............................................ 31 28 – – – 20 – 67 1

Geographic area

Middle Atlantic ......................................................... 58 49 – – – 42 – 39 2

South Atlantic ........................................................... – – – – – – – 85 –

West South Central .................................................. – – – – – – 6 60 –

East North Central ................................................... – – – – – – 1 82 –

West North Central .................................................. 32 – – – – – 15 67 1

Pacific ...................................................................... – – – – – – 2 63 –

1 Sum of workers with pre-tax and post-tax contributions may be greater than total

because both methods of contribution are available to some employees. 2 Under these plans, employees are allowed to have part or all of their post-tax retirement

plan contributions grow tax free. 3 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data from

the National Compensation Survey publication, "Employer Costs for Employee Compensation

- March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that

no data were reported or that data do not meet publication criteria. For definitions of major

plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 6. Standard errors for money purchase pension plans: Method of employee contribution, private industry workers,

National Compensation Survey, 2013

Characteristics

Employee

contributions

allowed

Pre-tax employee contributions

allowed

Post-tax1 employee

contributions allowed Employee

contributions

not allowed

Not

determinable

Yes No Not

determinable Yes No Notdeterminable

Worker characteristic

All workers ............................................................... 4.3 4.2 – – – 4.0 – 4.6 1.4

Management, professional, and related .................. 5.7 6.0 – – – 6.1 – 5.8 2.8

Management, business, and financial ................. 5.6 5.6 – – – – 1.2 5.7 2.1

Professional and related ...................................... 7.0 7.5 – – – – 2.4 7.0 3.3

Service ..................................................................... – – – – – – 1.4 12.9 –

Sales and office ....................................................... 7.4 6.4 – – – 2.5 – 7.4 1.1

Office and administrative support ........................ 7.0 6.9 – – – 2.9 – 6.9 1.2

Natural resources, construction, and maintenance – – – – – – 0.5 10.1 –

Installation, maintenance, and repair ................... – – – – – – 1.3 8.0 –

Production, transportation, and material moving ..... – – – – – – – 12.0 –

Production ............................................................ – – – – – – – 17.6 –

Transportation and material moving .................... – – – – – – – 14.4 –

Full time ................................................................... 4.1 4.0 – – – 3.7 – 4.4 1.3

Part time .................................................................. 12.5 – – – – – 1.5 12.2 3.4

Nonunion ................................................................. 4.5 4.0 – – – 3.1 – 4.7 1.7

Average wage within the following categories2:

Second 25 percent ............................................... 7.4 6.9 – – – – 1.7 7.8 1.2

Third 25 percent ................................................... 5.0 3.9 – – – 3.3 – 5.5 1.1

Highest 25 percent ............................................... 5.9 6.1 – – – 6.3 – 6.1 2.4

Highest 10 percent ........................................... 9.8 10.0 – – – – 3.4 9.6 2.9

Establishment characteristic

Goods-producing industries ..................................... – – – – – – – 10.5 –

Manufacturing ...................................................... – – – – – – – 13.3 –

Service-providing industries ..................................... 4.8 5.0 – – – 4.6 – 4.9 1.7

Education and health services ............................. 7.1 7.3 – – – 7.8 – 7.0 0.8

Educational services ........................................ 5.2 5.2 – – – 5.7 – 4.8 2.9

Junior colleges, colleges, and universities ... 5.4 5.4 – – – 6.1 – 4.9 3.4

Health care and social assistance ................... 10.6 – – – – – 2.2 10.6 –

1 to 99 workers ........................................................ 9.5 9.6 – – – – 1.2 9.5 1.6

1 to 49 workers .................................................... – – – – – – – 9.6 –

100 workers or more ................................................ 5.1 4.4 – – – 4.6 – 5.5 2.0

100 to 499 workers .............................................. – – – – – – 3.3 8.6 –

500 workers or more ............................................ 5.7 5.4 – – – 5.4 – 5.7 0.8

Geographic area

Middle Atlantic ......................................................... 9.1 8.5 – – – 11.3 – 10.6 2.1

South Atlantic ........................................................... – – – – – – – 8.1 –

West South Central .................................................. – – – – – – 7.1 16.1 –

East North Central ................................................... – – – – – – 0.7 5.9 –

West North Central .................................................. 9.3 – – – – – 8.9 9.4 1.2

Pacific ...................................................................... – – – – – – 2.2 12.2 –

1 Under these plans, employees are allowed to have part or all of their post-tax retirement

plan contributions grow tax free. 2 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data from

the National Compensation Survey publication, "Employer Costs for Employee Compensation

- March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria.

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

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 7. Savings and thrift plans: Summary of provisions,1

 private industry workers, National

Compensation Survey, 2013

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Pre-tax

contribution

Post-tax

contribution2

Automatic

enrollment

provision3

Automatic

escalation

feature

Employee

choice of

investment

for employee

funds

Employee

choice of

investment

for employer

funds

Worker characteristic

All workers ............................................................... 100 46 32 14 84 78

Management, professional, and related .................. 100 51 31 16 84 78

Management, business, and financial ................. 100 59 32 17 84 81

Professional and related ...................................... 100 46 31 15 83 75

Service ..................................................................... 100 21 23 – 84 81

Protective service ................................................ 100 – – – 91 91

Sales and office ....................................................... 100 47 32 12 86 82

Sales and related ................................................. 100 43 31 10 79 –

Office and administrative support ........................ 100 49 33 12 90 85

Natural resources, construction, and maintenance 100 46 26 10 83 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 – – – 85 –

Installation, maintenance, and repair ................... 100 50 32 13 82 76

Production, transportation, and material moving ..... 100 40 40 20 – –

Production ............................................................ 100 42 48 25 – –

Transportation and material moving .................... 100 37 28 11 – –

Full time ................................................................... 100 47 33 15 84 79

Part time .................................................................. 100 34 21 6 82 –

Union ....................................................................... 100 54 30 – – –

Nonunion ................................................................. 100 45 32 14 84 79

Average wage within the following categories4:

Lowest 25 percent ............................................... 100 28 15 – 79 –

Lowest 10 percent ........................................... 100 37 15 – – –

Second 25 percent ............................................... 100 32 27 9 82 –

Third 25 percent ................................................... 100 48 38 16 87 81

Highest 25 percent ............................................... 100 58 36 18 84 78

Highest 10 percent ........................................... 100 61 37 21 79 –

Establishment characteristic

Goods-producing industries ..................................... 100 49 46 22 79 74

Construction ......................................................... 100 55 – – 83 –

Manufacturing ...................................................... 100 48 51 27 78 74

Service-providing industries ..................................... 100 45 29 12 85 79

Trade, transportation, and utilities ....................... 100 46 29 13 83 80

Wholesale trade ............................................... 100 54 45 23 82 –

Retail trade ...................................................... 100 38 18 – 81 81

Transportation and warehousing ..................... 100 50 38 – 90 86

Utilities ............................................................. 100 62 – – – –

Information ........................................................... 100 60 34 – 96 88

Financial activities ................................................ 100 61 43 11 90 83

Finance and insurance .................................... 100 67 41 13 92 83

Credit intermediation and related activities .. 100 67 28 – 89 85

Insurance carriers and related activities ...... 100 61 61 20 95 81

Professional and business services ..................... 100 52 33 23 77 –

Professional and technical services ................. 100 66 39 – – –

Education and health services ............................. 100 24 18 – 89 81

Educational services ........................................ 100 27 – – – –

Junior colleges, colleges, and universities ... 100 41 – – 88 84

Health care and social assistance ................... 100 23 17 – 90 82

See footnotes at end of table.
Table 7. Savings and thrift plans: Summary of provisions,1

 private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Pre-tax

contribution

Post-tax

contribution2

Automatic

enrollment

provision3

Automatic

escalation

feature

Employee

choice of

investment

for employee

funds

Employee

choice of

investment

for employer

funds

1 to 99 workers ........................................................ 100 42 – – – –

1 to 49 workers .................................................... 100 44 21 – – –

50 to 99 workers .................................................. 100 39 – – 84 –

100 workers or more ................................................ 100 48 38 18 86 81

100 to 499 workers .............................................. 100 46 37 19 84 79

500 workers or more ............................................ 100 50 39 17 88 84

Geographic area

New England ........................................................... 100 38 39 – 87 –

Middle Atlantic ......................................................... 100 47 29 5 81 77

South Atlantic ........................................................... 100 48 24 14 86 83

East South Central ................................................... 100 46 41 – 84 82

West South Central .................................................. 100 47 32 14 84 77

East North Central ................................................... 100 41 33 13 79 76

West North Central .................................................. 100 35 38 10 83 80

Mountain .................................................................. 100 48 28 – 88 79

Pacific ...................................................................... 100 55 38 24 85 83

1 The remaining workers include both workers not receiving the benefit and

workers for whom the availability of the benefit could not be determined. For

example, in 2012, 43 percent of all workers had a post-tax contribution. The

remaining 57 percent either did not have the provision or information on the

provision was not available. 2 Under these plans, employees are allowed to have part or all of their

post-tax retirement plan contributions grow tax free. 3 The employer automatically enrolls employees in the plan at a specified

rate of contribution (e.g., 3 percent of earnings), unless the employee opts out

of the plan.

4 Surveyed occupations are classified into wage categories based on the

average wage for the occupation, which may include workers with earnings both

above and below the threshold. The categories were formed using percentile

estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet

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

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 7. Standard errors for savings and thrift plans: Summary of provisions,1

 private industry workers,

National Compensation Survey, 2013

Characteristics Pre-tax

contribution

Post-tax

contribution2

Automatic

enrollment

provision3

Automatic

escalation

feature

Employee

choice of

investment

for employee

funds

Employee

choice of

investment

for employer

funds

Worker characteristic

All workers ............................................................... 4 ( ) 1.9 1.8 1.5 1.5 1.7

Management, professional, and related .................. 0.0 3.0 2.8 2.7 2.9 3.0

Management, business, and financial ................. 0.0 3.9 3.0 2.7 3.9 3.8

Professional and related ...................................... 0.0 4.3 3.7 3.5 3.5 4.0

Service ..................................................................... 4 ( ) 3.5 4.3 – 3.3 3.7

Protective service ................................................ 4 ( ) – – – 5.3 5.3

Sales and office ....................................................... 4 ( ) 2.5 2.9 1.8 1.4 1.7

Sales and related ................................................. 0.0 3.6 4.2 3.1 3.0 –

Office and administrative support ........................ 4 ( ) 2.9 3.5 2.2 1.7 2.1

Natural resources, construction, and maintenance 4 ( ) 5.8 3.1 1.8 2.8 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 0.0 – – – 6.4 –

Installation, maintenance, and repair ................... 0.0 4.9 4.2 2.4 3.0 4.3

Production, transportation, and material moving ..... 4 ( ) 3.3 3.6 2.6 – –

Production ............................................................ 4 ( ) 4.1 4.3 3.4 – –

Transportation and material moving .................... 0.0 5.1 4.4 3.0 – –

Full time ................................................................... 0.0 1.9 1.9 1.6 1.6 1.8

Part time .................................................................. 0.0 3.6 3.2 1.8 3.0 –

Union ....................................................................... 0.0 5.2 4.5 – – –

Nonunion ................................................................. 4 ( ) 1.8 1.9 1.5 1.6 1.8

Average wage within the following categories5:

Lowest 25 percent ............................................... 0.0 2.6 3.9 – 3.4 –

Lowest 10 percent ........................................... 0.0 7.2 3.4 – – –

Second 25 percent ............................................... 4 ( ) 3.1 2.4 1.3 3.0 –

Third 25 percent ................................................... 0.0 2.2 2.4 1.9 1.3 1.9

Highest 25 percent ............................................... 0.0 2.8 3.1 2.9 2.4 2.9

Highest 10 percent ........................................... 4 ( ) 5.0 5.2 5.2 4.3 –

Establishment characteristic

Goods-producing industries ..................................... 4 ( ) 3.1 3.7 2.6 2.9 3.3

Construction ......................................................... 0.0 5.7 – – 5.0 –

Manufacturing ...................................................... 4 ( ) 3.4 4.1 2.9 3.0 3.6

Service-providing industries ..................................... 4 ( ) 2.1 2.0 1.7 1.7 2.0

Trade, transportation, and utilities ....................... 0.0 2.1 2.7 2.9 2.2 2.5

Wholesale trade ............................................... 0.0 5.9 6.0 6.6 4.7 –

Retail trade ...................................................... 0.0 2.8 2.8 – 3.4 3.3

Transportation and warehousing ..................... 0.0 10.1 7.2 – 5.8 6.3

Utilities ............................................................. 0.0 10.2 – – – –

Information ........................................................... 0.0 6.4 5.7 – 2.8 4.2

Financial activities ................................................ 0.0 3.6 2.7 2.5 2.3 2.3

Finance and insurance .................................... 0.0 4.1 2.7 2.7 1.5 1.8

Credit intermediation and related activities .. 0.0 5.5 4.9 – 1.7 2.0

Insurance carriers and related activities ...... 0.0 7.1 4.2 5.2 2.1 3.4

Professional and business services ..................... 0.0 6.1 7.0 6.1 5.7 –

Professional and technical services ................. 4 ( ) 6.3 9.2 – – –

Education and health services ............................. 0.0 4.9 4.1 – 3.9 5.0

Educational services ........................................ 4 ( ) 5.6 – – – –

Junior colleges, colleges, and universities ... 4 ( ) 5.3 – – 7.4 8.1

Health care and social assistance ................... 0.0 5.3 4.4 – 4.1 5.4

See footnotes at end of table.
Table 7. Standard errors for savings and thrift plans: Summary of provisions,1

 private industry workers,

National Compensation Survey, 2013—continued

Characteristics Pre-tax

contribution

Post-tax

contribution2

Automatic

enrollment

provision3

Automatic

escalation

feature

Employee

choice of

investment

for employee

funds

Employee

choice of

investment

for employer

funds

1 to 99 workers ........................................................ 0.0 3.3 – – – –

1 to 49 workers .................................................... 0.0 3.5 2.8 – – –

50 to 99 workers .................................................. 0.0 5.9 – – 3.6 –

100 workers or more ................................................ 4 ( ) 2.3 2.5 2.2 1.9 2.1

100 to 499 workers .............................................. 0.0 3.4 3.7 3.3 2.3 2.8

500 workers or more ............................................ 0.0 3.3 3.3 2.6 2.4 2.6

Geographic area

New England ........................................................... 0.0 5.5 7.8 – 5.1 –

Middle Atlantic ......................................................... 4 ( ) 3.9 3.8 1.3 5.4 6.1

South Atlantic ........................................................... 0.0 3.6 3.2 3.3 3.7 3.8

East South Central ................................................... 0.0 6.0 8.1 – 4.6 3.5

West South Central .................................................. 0.0 5.0 6.0 4.1 3.7 4.7

East North Central ................................................... 4 ( ) 6.2 3.5 2.2 2.6 2.4

West North Central .................................................. 0.0 3.6 8.9 1.9 5.1 7.6

Mountain .................................................................. 0.0 6.2 3.7 – 3.1 4.4

Pacific ...................................................................... 0.0 6.3 6.2 6.9 3.9 3.8

1 The remaining workers include both workers not receiving the benefit and

workers for whom the availability of the benefit could not be determined. For

example, in 2012, 43 percent of all workers had a post-tax contribution. The

remaining 57 percent either did not have the provision or information on the

provision was not available. 2 Under these plans, employees are allowed to have part or all of their

post-tax retirement plan contributions grow tax free. 3 The employer automatically enrolls employees in the plan at a specified

rate of contribution (e.g., 3 percent of earnings), unless the employee opts out

of the plan. 4 Less than 0.05.

5 Surveyed occupations are classified into wage categories based on the

average wage for the occupation, which may include workers with earnings both

above and below the threshold. The categories were formed using percentile

estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet

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

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 8. Savings and thrift plans: Automatic enrollment,1

 private industry workers, National Compensation Survey, 2013

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Automatic

enrollment

available

With automatic enrollment

No

automatic

enrollment

available

Not

determinable

Default

contribution

as percent

of earnings

Default contribution as percent of earnings

Other

default

contribution2

Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 100 32 30 2.0 – 3.0 3.0 5.0 – 2 56 12

Management, professional, and related .................. 100 31 30 2.0 2.0 3.0 3.0 5.0 – 2 55 14

Management, business, and financial ................. 100 32 30 2.0 3.0 3.0 – 5.5 – 2 54 14

Professional and related ...................................... 100 31 30 – 2.0 3.0 3.0 4.0 – 1 55 14

Service ..................................................................... 100 23 23 – – 3.0 3.0 – – 3 ( ) 74 3

Protective service ................................................ 100 – – – – – – – – – 60 –

Sales and office ....................................................... 100 32 30 2.0 – 3.0 3.0 5.0 – 2 59 9

Sales and related ................................................. 100 31 26 – – 3.0 – – – 5 61 7

Office and administrative support ........................ 100 33 31 2.0 – 3.0 3.0 – – 1 57 10

Natural resources, construction, and maintenance 100 26 25 – 3.0 3.0 3.0 5.0 – 1 61 13

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 – – – – – – – – – 77 –

Installation, maintenance, and repair ................... 100 32 31 – 3.0 3.0 3.0 5.0 – 1 56 12

Production, transportation, and material moving ..... 100 40 39 2.0 3.0 3.0 4.0 5.0 – 1 45 14

Production ............................................................ 100 48 46 – 3.0 3.0 4.0 5.0 – 2 38 14

Transportation and material moving .................... 100 28 27 1.0 – 3.0 – 6.0 – 1 57 15

Full time ................................................................... 100 33 31 2.0 – 3.0 3.0 5.0 – 2 55 12

Part time .................................................................. 100 21 21 1.0 – – 3.0 4.0 – 3 ( ) 72 6

Union ....................................................................... 100 30 30 – 3.0 – – 6.0 – – 58 12

Nonunion ................................................................. 100 32 31 2.0 – 3.0 3.0 5.0 – 2 56 12

Average wage within the following categories4:

Lowest 25 percent ............................................... 100 15 14 – 2.0 – 3.0 4.0 – 2 73 12

Lowest 10 percent ........................................... 100 15 15 – – 4.0 – 6.0 – – 79 6

Second 25 percent ............................................... 100 27 26 – – 3.0 3.0 4.0 – 1 60 13

Third 25 percent ................................................... 100 38 36 2.0 3.0 3.0 – 5.0 – 2 52 11

Highest 25 percent ............................................... 100 36 34 2.0 – 3.0 – 5.0 – 2 53 11

Highest 10 percent ........................................... 100 37 35 2.0 – 3.0 – 5.0 – 2 50 13

Establishment characteristic

Goods-producing industries ..................................... 100 46 44 2.0 3.0 3.0 3.0 5.0 – 1 43 12

Construction ......................................................... 100 – –––––– – – – –

Manufacturing ...................................................... 100 51 50 2.0 3.0 3.0 3.0 5.0 – 2 39 9

Service-providing industries ..................................... 100 29 27 – 2.0 3.0 3.0 5.0 – 2 59 12

Trade, transportation, and utilities ....................... 100 29 26 – 3.0 3.0 4.0 – – 3 61 10

Wholesale trade ............................................... 100 45 38 – 3.0 – 4.0 6.0 – 7 39 17

Retail trade ...................................................... 100 18 15 1.0 – 3.0 3.0 4.0 – 2 77 5

Transportation and warehousing ..................... 100 38 38 1.0 – 3.0 3.0 – – – 56 6

Utilities ............................................................. 100 – –––––– – – – –

Information ........................................................... 100 34 26 2.0 2.0 3.0 3.0 3.0 – 9 65 3 ( )

Financial activities ................................................ 100 43 41 – 3.0 3.0 4.0 5.0 – 2 47 10

Finance and insurance .................................... 100 41 39 3.0 3.0 3.0 5.0 6.0 – 2 49 10

Credit intermediation and related activities .. 100 28 28 2.0 3.0 3.0 3.0 – – – 61 11

Insurance carriers and related activities ...... 100 61 57 3.0 3.0 3.0 5.0 6.0 – 4 30 9

Professional and business services ..................... 100 33 33 2.0 – 3.0 3.0 4.0 – – 50 17

Professional and technical services ................. 100 39 39 2.0 – 3.0 – – – – 41 19

Education and health services ............................. 100 18 17 1.0 – 2.0 – – – 3 ( ) 69 13

Educational services ........................................ 100 – – – – – – – – – 58 –

Junior colleges, colleges, and universities ... 100 – –––––– – – – –

Health care and social assistance ................... 100 17 17 1.0 – 2.0 3.0 – – 3 ( ) 70 13

See footnotes at end of table.
Table 8. Savings and thrift plans: Automatic enrollment,1

 private industry workers, National Compensation Survey, 2013—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Automatic

enrollment

available

With automatic enrollment

No

automatic

enrollment

available

Not

determinable

Default

contribution

as percent

of earnings

Default contribution as percent of earnings

Other

default

contribution2

Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 100 – –––––– – – – –

1 to 49 workers .................................................... 100 21 19 – 3.0 3.0 4.0 5.0 – 2 60 19

50 to 99 workers .................................................. 100 – –––––– – – – –

100 workers or more ................................................ 100 38 36 2.0 – 3.0 3.0 5.0 – 2 55 7

100 to 499 workers .............................................. 100 37 35 – – 3.0 3.0 5.0 – 2 56 7

500 workers or more ............................................ 100 39 38 2.0 3.0 3.0 3.0 5.0 – 2 54 7

Geographic area

New England ........................................................... 100 39 31 1.0 – – 3.0 – – 8 48 13

Middle Atlantic ......................................................... 100 29 28 2.0 – 3.0 – 6.0 – 1 54 17

South Atlantic ........................................................... 100 24 22 2.0 3.0 3.0 3.0 5.0 – 2 62 15

East South Central ................................................... 100 41 41 2.0 3.0 3.0 – 4.0 – – 53 6

West South Central .................................................. 100 32 29 2.0 3.0 3.0 – 6.0 – 3 58 10

East North Central ................................................... 100 33 31 – 3.0 3.0 – 5.0 – 1 58 9

West North Central .................................................. 100 38 38 2.0 – 3.0 3.0 4.0 – 3 ( ) 44 18

Mountain .................................................................. 100 28 26 – – 3.0 4.0 6.0 – 2 63 9

Pacific ...................................................................... 100 38 37 2.0 2.0 3.0 3.0 4.0 – 1 57 5

1 The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3 percent of

earnings), unless the employee opts out of the plan. 2 Other default contributions are based on maximum dollar amounts specified by the employer, amounts based

on employee length of service, or other methods. 3 Less than 0.5. 4 Surveyed occupations are classified into wage categories based on the average wage for the occupation,

which may include workers with earnings both above and below the threshold. The categories were formed using

percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs

for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were

reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 8. Standard errors for savings and thrift plans: Automatic enrollment,1

 private industry workers, National Compensation Survey, 2013

Characteristics

Automatic

enrollment

available

With automatic enrollment

No

automatic

enrollment

available

Not

determinable

Default

contribution

as percent

of earnings

Default contribution as percent of earnings

Other

default

contribution2

Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 1.8 1.9 0.0 – 0.0 0.2 0.4 – 0.3 1.9 1.5

Management, professional, and related .................. 2.8 2.8 0.0 0.5 0.0 0.2 0.6 – 0.3 3.4 2.5

Management, business, and financial ................. 3.0 3.0 0.0 0.0 0.0 – 0.9 – 0.5 3.7 3.4

Professional and related ...................................... 3.7 3.7 – 0.0 0.0 0.0 0.5 – 0.4 4.1 3.2

Service ..................................................................... 4.3 4.3 – – 0.2 0.0 – – 0.3 4.3 0.9

Protective service ................................................ – –––––– – – 15.2 –

Sales and office ....................................................... 2.9 3.1 0.5 – 0.0 0.8 1.2 – 0.8 2.2 1.8

Sales and related ................................................. 4.2 4.8 – – 0.0 – – – 1.8 4.2 2.0

Office and administrative support ........................ 3.5 3.6 0.0 – 0.0 0.4 – – 0.5 3.0 2.6

Natural resources, construction, and maintenance 3.1 3.1 – 0.0 0.0 0.5 0.6 – 0.4 4.1 2.7

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – – – – – – – 8.9 –

Installation, maintenance, and repair ................... 4.2 4.2 – 0.0 0.0 0.0 0.9 – 0.5 4.2 2.5

Production, transportation, and material moving ..... 3.6 3.6 0.3 0.0 0.0 1.2 0.7 – 0.6 3.3 3.0

Production ............................................................ 4.3 4.5 – 0.0 0.0 1.2 1.1 – 0.8 3.5 3.7

Transportation and material moving .................... 4.4 4.4 0.0 – 0.0 – 1.7 – 0.5 5.4 4.1

Full time ................................................................... 1.9 1.9 0.0 – 0.0 0.3 0.3 – 0.4 1.9 1.6

Part time .................................................................. 3.2 3.2 0.0 – – 0.0 0.8 – 0.1 3.3 2.1

Union ....................................................................... 4.5 4.5 – 0.0 – – 0.4 – – 4.1 2.8

Nonunion ................................................................. 1.9 2.0 0.0 – 0.0 0.0 1.2 – 0.4 2.0 1.6

Average wage within the following categories3:

Lowest 25 percent ............................................... 3.9 3.6 – 0.0 – 0.9 0.6 – 1.2 3.6 3.3

Lowest 10 percent ........................................... 3.4 3.4 – – 1.0 – 0.0 – – 6.0 4.4

Second 25 percent ............................................... 2.4 2.4 – – 0.0 0.0 0.0 – 0.2 3.7 3.2

Third 25 percent ................................................... 2.4 2.4 0.0 0.0 0.0 – 0.2 – 0.5 2.3 2.3

Highest 25 percent ............................................... 3.1 3.1 0.0 – 0.0 – 0.6 – 0.6 2.9 1.3

Highest 10 percent ........................................... 5.2 5.2 0.0 – 0.0 – 0.9 – 1.1 4.8 2.5

Establishment characteristic

Goods-producing industries ..................................... 3.7 3.7 0.0 0.0 0.0 0.8 0.5 – 0.7 2.8 2.8

Construction ......................................................... – –––––– – – – –

Manufacturing ...................................................... 4.1 4.1 0.0 0.0 0.0 0.5 0.7 – 0.9 3.3 2.9

Service-providing industries ..................................... 2.0 2.1 – 0.5 0.0 0.4 0.9 – 0.4 2.2 1.8

Trade, transportation, and utilities ....................... 2.7 2.9 – 0.5 0.0 0.7 – – 0.8 2.9 1.9

Wholesale trade ............................................... 6.0 6.3 – 0.0 – 0.0 1.0 – 3.2 6.2 3.8

Retail trade ...................................................... 2.8 2.5 0.0 – 0.0 0.0 0.0 – 1.0 2.8 1.2

Transportation and warehousing ..................... 7.2 7.2 0.0 – 0.0 0.3 – – – 7.9 5.0

Utilities ............................................................. – –––––– – – – –

Information ........................................................... 5.7 5.1 0.0 0.0 0.7 0.0 0.0 – 3.6 5.6 0.4

Financial activities ................................................ 2.7 2.7 – 0.0 0.0 0.8 1.3 – 0.5 2.7 1.6

Finance and insurance .................................... 2.7 2.5 0.8 0.0 0.0 0.8 0.9 – 0.6 2.8 1.7

Credit intermediation and related activities .. 4.9 4.9 0.3 0.0 0.0 0.5 – – – 4.7 2.5

Insurance carriers and related activities ...... 4.2 4.1 0.0 0.0 0.0 0.6 0.5 – 0.8 5.5 3.5

Professional and business services ..................... 7.0 7.0 0.0 – 0.0 0.3 0.3 – – 6.7 5.4

Professional and technical services ................. 9.2 9.2 0.0 – 0.0 – – – – 9.2 5.4

Education and health services ............................. 4.1 4.1 0.0 – 0.0 – – – 0.5 5.2 4.1

Educational services ........................................ – – – – – – – – – 8.5 –

Junior colleges, colleges, and universities ... – –––––– – – – –

Health care and social assistance ................... 4.4 4.4 0.0 – 0.0 0.8 – – 0.5 5.7 4.4

See footnotes at end of table.
Table 8. Standard errors for savings and thrift plans: Automatic enrollment,1

 private industry workers, National Compensation Survey,

2013—continued

Characteristics

Automatic

enrollment

available

With automatic enrollment

No

automatic

enrollment

available

Not

determinable

Default

contribution

as percent

of earnings

Default contribution as percent of earnings

Other

default

contribution2

Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ – –––––– – – – –

1 to 49 workers .................................................... 2.8 2.7 – 0.0 0.0 0.2 1.1 – 0.6 3.8 3.6

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

100 workers or more ................................................ 2.5 2.7 0.5 – 0.0 0.0 0.5 – 0.5 2.4 1.3

100 to 499 workers .............................................. 3.7 3.8 – – 0.0 0.7 0.5 – 0.7 3.5 1.4

500 workers or more ............................................ 3.3 3.5 0.4 0.9 0.0 0.0 1.3 – 0.6 3.4 2.2

Geographic area

New England ........................................................... 7.8 8.3 0.0 – – 0.0 – – 1.9 10.0 4.8

Middle Atlantic ......................................................... 3.8 3.7 0.0 – 0.0 – 0.8 – 0.6 3.5 5.6

South Atlantic ........................................................... 3.2 4.0 0.0 0.0 0.0 0.0 1.0 – 1.1 5.7 3.8

East South Central ................................................... 8.1 8.1 0.0 0.5 0.0 – 0.0 – – 7.0 1.7

West South Central .................................................. 6.0 6.1 0.0 0.2 0.0 – 0.0 – 1.3 3.5 3.9

East North Central ................................................... 3.5 3.7 – 0.0 0.0 – 0.3 – 0.5 3.5 1.0

West North Central .................................................. 8.9 8.8 0.0 – 0.0 0.0 0.0 – 0.1 6.3 10.7

Mountain .................................................................. 3.7 1.8 – – 0.0 0.7 0.7 – 2.3 2.5 5.1

Pacific ...................................................................... 6.2 6.3 0.0 0.3 0.0 0.9 0.0 – 0.4 6.3 1.0

1 The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3

percent of earnings), unless the employee opts out of the plan. 2 Other default contributions are based on maximum dollar amounts specified by the employer, amounts

based on employee length of service, or other methods. 3 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The categories

were formed using percentile estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions

of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 9. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount matched by

employer, private industry workers, National Compensation Survey, 2013

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Automatic

enrollment

available

Default enrollment amount as a percent of the employee

maximum amount matched by employer1

Automatic

enrollment

not available

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 100 32 33 50 60 100 100 56 12

Management, professional, and related .................. 100 31 33 50 50 100 100 55 14

Management, business, and financial ................. 100 32 33 50 50 100 100 54 14

Professional and related ...................................... 100 31 – – 50 100 100 55 14

Service ..................................................................... 100 23 – – 100 100 100 74 3

Protective service ................................................ 100 – – – – – – 60 –

Sales and office ....................................................... 100 32 38 50 60 100 100 59 9

Sales and related ................................................. 100 31 50 50 60 100 100 61 7

Office and administrative support ........................ 100 33 33 50 60 100 100 57 10

Natural resources, construction, and maintenance 100 26 44 50 67 100 – 61 13

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 – – – – – – 77 –

Installation, maintenance, and repair ................... 100 32 44 50 56 – 100 56 12

Production, transportation, and material moving ..... 100 40 – 50 56 67 100 45 14

Production ............................................................ 100 48 50 50 50 67 – 38 14

Transportation and material moving .................... 100 28 33 – 60 100 100 57 15

Full time ................................................................... 100 33 33 50 60 100 100 55 12

Part time .................................................................. 100 21 20 – – 60 – 72 6

Union ....................................................................... 100 30 33 50 67 100 100 58 12

Nonunion ................................................................. 100 32 33 50 56 100 100 56 12

Average wage within the following categories2:

Lowest 25 percent ............................................... 100 15 – – 60 67 67 73 12

Lowest 10 percent ........................................... 100 15 – – – – – 79 6

Second 25 percent ............................................... 100 27 33 50 50 – 100 60 13

Third 25 percent ................................................... 100 38 44 50 60 100 100 52 11

Highest 25 percent ............................................... 100 36 33 50 50 100 100 53 11

Highest 10 percent ........................................... 100 37 – 50 60 100 100 50 13

Establishment characteristic

Goods-producing industries ..................................... 100 46 50 50 50 67 100 43 12

Construction ......................................................... 100 – – – – – – – –

Manufacturing ...................................................... 100 51 – 50 50 56 100 39 9

Service-providing industries ..................................... 100 29 33 50 60 100 100 59 12

Trade, transportation, and utilities ....................... 100 29 33 50 67 – 100 61 10

Wholesale trade ............................................... 100 45 – 67 67 – 100 39 17

Retail trade ...................................................... 100 18 – 67 – 100 100 77 5

Transportation and warehousing ..................... 100 38 – – 60 60 – 56 6

Utilities ............................................................. 100 – – – – – – – –

Information ........................................................... 100 34 44 44 60 75 75 65 3 ( )

Financial activities ................................................ 100 43 50 50 – 100 100 47 10

Finance and insurance .................................... 100 41 50 50 50 100 100 49 10

Credit intermediation and related activities .. 100 28 50 50 50 60 – 61 11

Insurance carriers and related activities ...... 100 61 40 50 100 100 100 30 9

Professional and business services ..................... 100 33 50 50 60 – 100 50 17

Professional and technical services ................. 100 39 50 – – 100 100 41 19

Education and health services ............................. 100 18 20 – – 100 100 69 13

Educational services ........................................ 100 – – – – – – 58 –

Junior colleges, colleges, and universities ... 100 – – – – – – – –

Health care and social assistance ................... 100 17 20 – 33 – 100 70 13

See footnotes at end of table.
Table 9. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount matched by

employer, private industry workers, National Compensation Survey, 2013—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Automatic

enrollment

available

Default enrollment amount as a percent of the employee

maximum amount matched by employer1

Automatic

enrollment

not available

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 100 – – – – – – – –

1 to 49 workers .................................................... 100 21 50 50 67 – 100 60 19

50 to 99 workers .................................................. 100 – – – – – – – –

100 workers or more ................................................ 100 38 33 50 56 100 100 55 7

100 to 499 workers .............................................. 100 37 – 50 56 – 100 56 7

500 workers or more ............................................ 100 39 33 50 50 100 100 54 7

Geographic area

New England ........................................................... 100 39 20 20 – 50 – 48 13

Middle Atlantic ......................................................... 100 29 44 50 100 100 100 54 17

South Atlantic ........................................................... 100 24 50 50 60 100 100 62 15

East South Central ................................................... 100 41 – 50 60 67 – 53 6

West South Central .................................................. 100 32 – 50 50 60 – 58 10

East North Central ................................................... 100 33 40 50 56 – 100 58 9

West North Central .................................................. 100 38 33 – 50 – 100 44 18

Mountain .................................................................. 100 28 – – – – 100 63 9

Pacific ...................................................................... 100 38 50 50 75 100 100 57 5

1 The percentage is determined by the ratio of the default enrollment amount to the

maximum employee contribution matched by the employer, for those plans that specify both

values. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

3 Less than 0.5.

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that

no data were reported or that data do not meet publication criteria. For definitions of major plans,

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 9. Standard errors for savings and thrift plans: Default enrollment amount as a percent of the employee

maximum amount matched by employer, private industry workers, National Compensation Survey, 2013

Characteristics

Automatic

enrollment

available

Default enrollment amount as a percent of the employee

maximum amount matched by employer1

Automatic

enrollment

not available

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 1.8 1.5 0.0 6.5 10.5 0.0 1.9 1.5

Management, professional, and related .................. 2.8 8.9 11.0 10.1 0.0 0.0 3.4 2.5

Management, business, and financial ................. 3.0 8.3 0.0 11.2 9.1 0.0 3.7 3.4

Professional and related ...................................... 3.7 – – 11.4 9.8 0.0 4.1 3.2

Service ..................................................................... 4.3 – – 29.6 0.0 0.0 4.3 0.9

Protective service ................................................ – – – – – – 15.2 –

Sales and office ....................................................... 2.9 5.8 0.0 4.0 16.6 0.0 2.2 1.8

Sales and related ................................................. 4.2 4.3 0.0 13.4 22.2 0.0 4.2 2.0

Office and administrative support ........................ 3.5 6.1 1.0 5.4 23.9 0.0 3.0 2.6

Natural resources, construction, and maintenance 3.1 2.9 0.0 18.1 15.1 – 4.1 2.7

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – – – – 8.9 –

Installation, maintenance, and repair ................... 4.2 1.0 1.0 13.7 – 0.0 4.2 2.5

Production, transportation, and material moving ..... 3.6 – 0.0 5.9 4.0 0.0 3.3 3.0

Production ............................................................ 4.3 0.0 0.0 4.4 3.8 – 3.5 3.7

Transportation and material moving .................... 4.4 0.0 – 7.5 14.9 0.0 5.4 4.1

Full time ................................................................... 1.9 6.2 0.0 3.6 0.0 0.0 1.9 1.6

Part time .................................................................. 3.2 1.6 – – 14.1 – 3.3 2.1

Union ....................................................................... 4.5 6.5 3.3 8.5 17.6 0.0 4.1 2.8

Nonunion ................................................................. 1.9 2.0 0.0 7.0 14.6 0.0 2.0 1.6

Average wage within the following categories2:

Lowest 25 percent ............................................... 3.9 – – 12.3 0.0 11.1 3.6 3.3

Lowest 10 percent ........................................... 3.4 – – – – – 6.0 4.4

Second 25 percent ............................................... 2.4 7.7 0.0 7.5 – 0.0 3.7 3.2

Third 25 percent ................................................... 2.4 7.2 0.0 6.1 0.0 0.0 2.3 2.3

Highest 25 percent ............................................... 3.1 8.4 6.3 8.8 21.7 0.0 2.9 1.3

Highest 10 percent ........................................... 5.2 – 0.0 10.1 25.4 0.0 4.8 2.5

Establishment characteristic

Goods-producing industries ..................................... 3.7 11.2 0.0 0.0 13.2 0.0 2.8 2.8

Construction ......................................................... – – – – – – – –

Manufacturing ...................................................... 4.1 – 0.0 0.0 11.1 6.1 3.3 2.9

Service-providing industries ..................................... 2.0 1.5 2.7 3.6 0.0 0.0 2.2 1.8

Trade, transportation, and utilities ....................... 2.7 6.9 10.4 8.1 – 0.0 2.9 1.9

Wholesale trade ............................................... 6.0 – 14.8 0.0 – 0.0 6.2 3.8

Retail trade ...................................................... 2.8 – 3.0 – 22.8 0.0 2.8 1.2

Transportation and warehousing ..................... 7.2 – – 7.3 7.3 – 7.9 5.0

Utilities ............................................................. – – – – – – – –

Information ........................................................... 5.7 0.0 5.2 13.7 19.4 0.0 5.6 0.4

Financial activities ................................................ 2.7 2.6 0.0 – 0.0 0.0 2.7 1.6

Finance and insurance .................................... 2.7 7.7 0.0 10.3 0.0 0.0 2.8 1.7

Credit intermediation and related activities .. 4.9 0.0 0.0 0.0 6.4 – 4.7 2.5

Insurance carriers and related activities ...... 4.2 3.4 3.2 21.0 0.0 0.0 5.5 3.5

Professional and business services ..................... 7.0 0.0 0.0 1.7 – 0.0 6.7 5.4

Professional and technical services ................. 9.2 0.0 – – 9.1 0.0 9.2 5.4

Education and health services ............................. 4.1 0.0 – – 23.7 0.0 5.2 4.1

Educational services ........................................ – – – – – – 8.5 –

Junior colleges, colleges, and universities ... – – – – – – – –

Health care and social assistance ................... 4.4 0.0 – 5.5 – 0.0 5.7 4.4

See footnotes at end of table.
Table 9. Standard errors for savings and thrift plans: Default enrollment amount as a percent of the employee

maximum amount matched by employer, private industry workers, National Compensation Survey, 2013—continued

Characteristics

Automatic

enrollment

available

Default enrollment amount as a percent of the employee

maximum amount matched by employer1

Automatic

enrollment

not available

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ – – – – – – – –

1 to 49 workers .................................................... 2.8 0.0 3.2 3.8 – 0.0 3.8 3.6

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

100 workers or more ................................................ 2.5 3.7 2.9 7.1 7.9 0.0 2.4 1.3

100 to 499 workers .............................................. 3.7 – 0.0 7.1 – 0.0 3.5 1.4

500 workers or more ............................................ 3.3 0.0 9.9 12.6 0.0 0.0 3.4 2.2

Geographic area

New England ........................................................... 7.8 3.8 3.4 – 4.1 – 10.0 4.8

Middle Atlantic ......................................................... 3.8 6.3 10.0 8.6 0.0 0.0 3.5 5.6

South Atlantic ........................................................... 3.2 0.0 0.0 14.8 23.6 0.0 5.7 3.8

East South Central ................................................... 8.1 – 0.0 7.1 0.0 – 7.0 1.7

West South Central .................................................. 6.0 – 9.3 0.0 8.1 – 3.5 3.9

East North Central ................................................... 3.5 10.7 0.0 1.5 – 0.0 3.5 1.0

West North Central .................................................. 8.9 7.0 – 2.9 – 0.0 6.3 10.7

Mountain .................................................................. 3.7 – – – – 0.0 2.5 5.1

Pacific ...................................................................... 6.2 6.6 0.0 18.2 0.0 0.0 6.3 1.0

1 The percentage is determined by the ratio of the default enrollment amount to the

maximum employee contribution matched by the employer, for those plans that specify

both values. 2 Surveyed occupations are classified into wage categories based on the average

wage for the occupation, which may include workers with earnings both above and below

the threshold. The categories were formed using percentile estimates generated using

data from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 10. Savings and thrift plans: Automatic escalation features, private industry workers, National Compensation

Survey, 2013

(All workers participating in savings and thrift plans with automatic enrollment = 100 percent)

Characteristics Total

Automatic

escalation

available

Automatic escalation features1

Automatic

escalation

not

available

Not

determinable

Employee

contribution

escalates for

predetermined

number of

years

Median

number of

years of

escalation

Employee

contribution

escalates to

specified

percent of

earnings

Median

percent of

earnings

after

maximum

escalation

Worker characteristic

All workers ............................................................... 100 43 26 3 30 6.0 49 8

Management, professional, and related .................. 100 50 29 – 29 6.0 41 9

Management, business, and financial ................. 100 52 29 3 37 7.0 41 7

Professional and related ...................................... 100 49 28 2 22 6.0 41 10

Service ..................................................................... 100 – – – – – 77 –

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

Sales and office ....................................................... 100 36 25 3 30 6.0 57 7

Sales and related ................................................. 100 33 – – – – 61 6

Office and administrative support ........................ 100 38 27 – 34 6.0 55 8

Natural resources, construction, and maintenance 100 38 25 3 31 8.0 60 2

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 – – – – – – –

Installation, maintenance, and repair ................... 100 40 27 3 33 8.0 57 2

Production, transportation, and material moving ..... 100 49 30 3 38 6.0 42 9

Production ............................................................ 100 52 34 3 38 6.0 37 11

Transportation and material moving .................... 100 41 – – 39 6.0 57 2

Full time ................................................................... 100 44 27 3 31 6.0 48 8

Part time .................................................................. 100 29 – – – – 66 5

Union ....................................................................... 100 43 – – – – 48 9

Nonunion ................................................................. 100 43 26 3 30 6.0 49 7

Average wage within the following categories2:

Lowest 25 percent ............................................... 100 40 – – – – 58 2

Lowest 10 percent ........................................... 100 – – – – – 80 –

Second 25 percent ............................................... 100 33 24 3 26 6.0 62 6

Third 25 percent ................................................... 100 41 25 3 36 6.0 51 8

Highest 25 percent ............................................... 100 51 29 – 29 6.0 40 9

Highest 10 percent ........................................... 100 58 29 – 30 6.0 37 5

Establishment characteristic

Goods-producing industries ..................................... 100 49 38 3 36 – 41 9

Manufacturing ...................................................... 100 52 41 3 39 – 38 10

Service-providing industries ..................................... 100 41 22 3 28 6.0 52 7

Trade, transportation, and utilities ....................... 100 47 19 3 41 6.0 47 6

Wholesale trade ............................................... 100 52 – – 42 6.0 42 6

Retail trade ...................................................... 100 – – – – – 62 –

Transportation and warehousing ..................... 100 – – – – – – –

Financial activities ................................................ 100 27 – – 20 10.0 68 5

Finance and insurance .................................... 100 32 – – 24 10.0 62 6

Credit intermediation and related activities .. 100 – – – – – 77 –

Insurance carriers and related activities ...... 100 33 – – 26 10.0 56 11

Professional and business services ..................... 100 71 – – 37 6.0 – –

Professional and technical services ................. 100 80 – – – – – –

Education and health services ............................. 100 – – – – – 81 –

Educational services ........................................ 100 – – – – – – –

Health care and social assistance ................... 100 – – – – – 82 –

See footnotes at end of table.
Table 10. Savings and thrift plans: Automatic escalation features, private industry workers, National Compensation

Survey, 2013—continued

(All workers participating in savings and thrift plans with automatic enrollment = 100 percent)

Characteristics Total

Automatic

escalation

available

Automatic escalation features1

Automatic

escalation

not

available

Not

determinable

Employee

contribution

escalates for

predetermined

number of

years

Median

number of

years of

escalation

Employee

contribution

escalates to

specified

percent of

earnings

Median

percent of

earnings

after

maximum

escalation

1 to 99 workers:

1 to 49 workers .................................................. 100 – 13 – – – 58 –

100 workers or more ................................................ 100 47 29 3 32 6.0 47 6

100 to 499 workers .............................................. 100 50 28 – 34 6.0 45 5

500 workers or more ............................................ 100 43 30 3 30 6.0 49 8

Geographic area

New England ........................................................... 100 – – – – – 53 –

Middle Atlantic ......................................................... 100 19 13 – – – 71 10

South Atlantic ........................................................... 100 58 – – 36 8.5 36 6

West South Central .................................................. 100 43 – – 28 6.0 55 1

East North Central ................................................... 100 41 39 3 41 6.0 50 9

West North Central .................................................. 100 27 16 – 23 6.0 62 11

Mountain .................................................................. 100 – – – – – – 11

Pacific ...................................................................... 100 64 – – 33 – 31 4

1 The sum of the individual components may exceed the total because some workers

may be in plans in which employee contribution is escalated based on both years of service

and as a specified percent of earnings. 2 Surveyed occupations are classified into wage categories based on the average

wage for the occupation, which may include workers with earnings both above and below

the threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate

that no data were reported or that data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 10. Standard errors for savings and thrift plans: Automatic escalation features, private industry

workers, National Compensation Survey, 2013

Characteristics

Automatic

escalation

available

Automatic escalation features1

Automatic

escalation

not

available

Not

determinable

Employee

contribution

escalates for

predetermined

number of

years

Median

number of

years of

escalation

Employee

contribution

escalates to

specified

percent of

earnings

Median

percent of

earnings

after

maximum

escalation

Worker characteristic

All workers ............................................................... 3.3 2.9 0.0 2.7 0.0 3.4 1.3

Management, professional, and related .................. 5.5 4.4 – 3.8 0.7 5.2 1.9

Management, business, and financial ................. 4.9 4.4 0.9 4.8 1.9 4.5 1.6

Professional and related ...................................... 7.8 6.3 0.3 4.5 0.0 7.3 3.0

Service ..................................................................... – – – – – 8.2 –

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

Sales and office ....................................................... 4.3 4.3 0.5 4.3 0.0 4.3 1.8

Sales and related ................................................. 6.0 – – – – 6.0 3.4

Office and administrative support ........................ 5.5 4.9 – 5.3 0.0 5.4 2.1

Natural resources, construction, and maintenance 5.9 4.0 0.0 5.6 1.2 6.0 1.0

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – – – – –

Installation, maintenance, and repair ................... 6.0 4.1 0.0 5.7 1.6 6.1 1.1

Production, transportation, and material moving ..... 5.6 5.0 0.0 5.2 0.0 6.1 2.9

Production ............................................................ 6.4 5.5 0.0 6.2 0.9 6.8 3.9

Transportation and material moving .................... 7.9 – – 7.9 0.0 7.8 1.0

Full time ................................................................... 3.3 3.1 0.0 2.8 0.0 3.4 1.4

Part time .................................................................. 8.4 – – – – 8.8 3.5

Union ....................................................................... 10.2 – – – – 9.7 1.9

Nonunion ................................................................. 3.3 3.1 0.0 2.6 0.0 3.4 1.4

Average wage within the following categories2:

Lowest 25 percent ............................................... 11.7 – – – – 11.7 1.6

Lowest 10 percent ........................................... – – – – – 10.0 –

Second 25 percent ............................................... 3.9 3.9 0.0 3.8 0.0 4.0 1.6

Third 25 percent ................................................... 4.0 3.7 0.0 3.8 0.8 4.2 1.8

Highest 25 percent ............................................... 5.1 4.5 – 4.0 0.4 4.8 1.9

Highest 10 percent ........................................... 7.5 6.6 – 6.8 0.0 6.9 2.0

Establishment characteristic

Goods-producing industries ..................................... 5.0 4.9 0.0 4.7 – 5.9 2.6

Manufacturing ...................................................... 5.3 5.0 0.0 5.2 – 6.2 2.8

Service-providing industries ..................................... 4.2 3.5 0.4 3.3 0.0 4.3 1.6

Trade, transportation, and utilities ....................... 6.6 3.2 0.0 7.8 0.0 6.2 1.2

Wholesale trade ............................................... 11.1 – – 11.8 0.0 10.5 5.0

Retail trade ...................................................... – – – – – 10.0 –

Transportation and warehousing ..................... – – – – – – –

Financial activities ................................................ 5.9 – – 5.3 0.0 7.5 3.9

Finance and insurance .................................... 6.2 – – 6.0 0.0 8.0 4.6

Credit intermediation and related activities .. – – – – – 8.5 –

Insurance carriers and related activities ...... 7.0 – – 7.2 2.2 9.8 8.7

Professional and business services ..................... 9.8 – – 10.0 0.0 – –

Professional and technical services ................. 11.2 – – – – – –

Education and health services ............................. – – – – – 8.0 –

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

Health care and social assistance ................... – – – – – 9.1 –

See footnotes at end of table.
Table 10. Standard errors for savings and thrift plans: Automatic escalation features, private industry

workers, National Compensation Survey, 2013—continued

Characteristics

Automatic

escalation

available

Automatic escalation features1

Automatic

escalation

not

available

Not

determinable

Employee

contribution

escalates for

predetermined

number of

years

Median

number of

years of

escalation

Employee

contribution

escalates to

specified

percent of

earnings

Median

percent of

earnings

after

maximum

escalation

1 to 99 workers:

1 to 49 workers .................................................. – 3.7 – – – 8.7 –

100 workers or more ................................................ 3.9 3.6 0.0 3.2 0.0 3.8 1.5

100 to 499 workers .............................................. 5.6 4.5 – 4.9 0.0 5.4 2.0

500 workers or more ............................................ 5.0 4.8 0.0 5.1 0.6 5.2 2.2

Geographic area

New England ........................................................... – – – – – 13.0 –

Middle Atlantic ......................................................... 4.3 2.7 – – – 8.9 5.5

South Atlantic ........................................................... 8.0 – – 5.6 1.9 6.6 3.8

West South Central .................................................. 7.4 – – 7.7 1.4 7.5 1.2

East North Central ................................................... 7.1 8.1 0.0 7.1 0.0 9.0 2.8

West North Central .................................................. 4.8 1.7 – 4.4 0.0 5.6 5.6

Mountain .................................................................. – – – – – – 8.3

Pacific ...................................................................... 8.6 – – 8.4 – 8.1 1.5

1 The sum of the individual components may exceed the total because some

workers may be in plans in which employee contribution is escalated based on both

years of service and as a specified percent of earnings. 2 Surveyed occupations are classified into wage categories based on the

average wage for the occupation, which may include workers with earnings both

above and below the threshold. The categories were formed using percentile

estimates generated using data from the National Compensation Survey publication,

"Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication

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

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 11. Savings and thrift plans: Maximum employee contributions, private industry workers, National Compensation Survey, 2013

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Percent

of

earnings

Percent of earnings, up to Internal Revenue Code limit Any amount

up to Internal

Revenue

Code limit

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 100 57 25 50 50 75 85 42 – –

Management, professional, and related .................. 100 54 30 50 50 75 80 45 – –

Management, business, and financial ................. 100 64 30 50 50 75 75 35 – –

Professional and related ...................................... 100 47 25 50 50 75 80 52 – –

Service ..................................................................... 100 36 25 – 50 75 80 64 – –

Protective service ................................................ 100 64 50 50 75 80 90 – – –

Sales and office ....................................................... 100 65 30 50 50 75 85 34 – –

Sales and related ................................................. 100 67 – 50 50 50 75 33 – –

Office and administrative support ........................ 100 64 30 50 50 75 85 34 – –

Natural resources, construction, and maintenance 100 54 – 30 50 75 85 46 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 43 – 75 75 75 90 57 – –

Installation, maintenance, and repair ................... 100 58 – 30 50 – 85 42 – –

Production, transportation, and material moving ..... 100 57 25 50 50 75 85 43 – –

Production ............................................................ 100 52 25 50 50 75 85 47 – –

Transportation and material moving .................... 100 65 25 50 – 80 86 35 – –

Full time ................................................................... 100 57 25 50 50 75 85 42 – –

Part time .................................................................. 100 58 – 50 50 75 80 42 – –

Union ....................................................................... 100 60 16 30 50 75 75 38 – –

Nonunion ................................................................. 100 57 25 50 50 75 85 43 – –

Average wage within the following categories1:

Lowest 25 percent ............................................... 100 61 – 50 50 80 90 39 – –

Lowest 10 percent ........................................... 100 44 15 – 50 75 80 56 – –

Second 25 percent ............................................... 100 55 – 50 50 75 85 45 – –

Third 25 percent ................................................... 100 54 25 50 50 75 85 45 – –

Highest 25 percent ............................................... 100 60 25 50 50 75 75 39 – –

Highest 10 percent ........................................... 100 60 25 50 50 75 75 40 – –

Establishment characteristic

Goods-producing industries ..................................... 100 58 25 – 50 75 85 42 – –

Construction ......................................................... 100 – – – – – – 74 – –

Manufacturing ...................................................... 100 62 25 – 50 75 85 38 – –

Service-providing industries ..................................... 100 57 25 50 50 75 85 42 – –

Trade, transportation, and utilities ....................... 100 64 – 50 50 75 80 35 – –

Wholesale trade ............................................... 100 61 – 50 – 75 85 39 – –

Retail trade ...................................................... 100 67 – 50 50 50 80 33 – –

Transportation and warehousing ..................... 100 63 35 40 50 75 85 35 – –

Utilities ............................................................. 100 62 20 25 50 60 84 32 – –

Information ........................................................... 100 83 – 25 50 50 60 – – –

Financial activities ................................................ 100 62 30 50 50 75 80 34 – –

Finance and insurance .................................... 100 65 30 50 50 75 80 30 – –

Credit intermediation and related activities .. 100 65 50 50 50 60 75 34 – –

Insurance carriers and related activities ...... 100 62 25 50 50 75 80 27 – –

Professional and business services ..................... 100 64 50 50 60 75 75 36 – –

Professional and technical services ................. 100 57 50 50 75 75 75 43 – –

Education and health services ............................. 100 34 – 50 80 85 85 66 – –

Educational services ........................................ 100 14 25 – 75 80 95 86 – –

Junior colleges, colleges, and universities ... 100 18 – 75 75 80 95 82 – –

Health care and social assistance ................... 100 36 – – 80 85 85 64 – –

See footnotes at end of table.
Table 11. Savings and thrift plans: Maximum employee contributions, private industry workers, National Compensation Survey,

2013—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Percent

of

earnings

Percent of earnings, up to Internal Revenue Code limit Any amount

up to Internal

Revenue

Code limit

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 100 46 25 50 50 75 85 53 – –

1 to 49 workers .................................................... 100 47 25 50 50 75 85 53 – –

50 to 99 workers .................................................. 100 46 30 50 – 75 85 54 – –

100 workers or more ................................................ 100 63 25 50 50 75 80 36 – –

100 to 499 workers .............................................. 100 68 30 50 50 75 85 32 – –

500 workers or more ............................................ 100 57 25 50 50 75 80 41 – –

Geographic area

New England ........................................................... 100 60 25 – 50 – 75 40 – –

Middle Atlantic ......................................................... 100 50 25 – 50 – 75 49 – –

South Atlantic ........................................................... 100 57 25 50 50 75 85 42 – –

East South Central ................................................... 100 50 50 50 75 80 85 50 – –

West South Central .................................................. 100 65 30 50 50 75 80 34 – –

East North Central ................................................... 100 64 35 50 60 80 85 36 – –

West North Central .................................................. 100 49 – 50 50 75 90 51 – –

Mountain .................................................................. 100 56 – 50 50 – 75 42 – –

Pacific ...................................................................... 100 55 30 50 50 75 75 43 – –

1 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 11. Standard errors for savings and thrift plans: Maximum employee contributions, private industry workers, National

Compensation Survey, 2013

Characteristics

Percent

of

earnings

Percent of earnings, up to Internal Revenue Code limit Any amount

up to Internal

Revenue

Code limit

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 2.1 0.0 0.0 0.0 0.0 2.6 2.1 – –

Management, professional, and related .................. 3.2 6.8 0.0 0.0 0.0 5.3 3.2 – –

Management, business, and financial ................. 3.9 5.6 0.0 0.0 15.4 2.6 3.9 – –

Professional and related ...................................... 4.3 6.0 0.0 6.1 0.0 7.0 4.3 – –

Service ..................................................................... 4.4 1.6 – 0.0 0.9 1.7 4.4 – –

Protective service ................................................ 13.0 0.0 7.9 15.1 10.8 8.4 – – –

Sales and office ....................................................... 2.5 7.3 0.0 0.0 0.0 0.0 2.4 – –

Sales and related ................................................. 3.6 – 0.0 0.0 0.0 4.4 3.6 – –

Office and administrative support ........................ 3.5 4.7 0.0 0.0 5.5 0.0 3.5 – –

Natural resources, construction, and maintenance 5.0 – 8.7 0.0 0.0 3.7 5.0 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 12.6 – 13.9 0.0 9.1 15.5 12.6 – –

Installation, maintenance, and repair ................... 4.9 – 6.0 0.0 – 5.0 4.9 – –

Production, transportation, and material moving ..... 3.7 0.0 4.8 5.2 6.1 0.0 3.7 – –

Production ............................................................ 4.7 0.0 8.8 4.5 0.0 0.0 4.7 – –

Transportation and material moving .................... 5.0 6.9 4.1 – 0.0 6.2 5.0 – –

Full time ................................................................... 2.3 0.0 0.0 0.0 0.0 1.3 2.3 – –

Part time .................................................................. 3.1 – 0.0 0.0 2.0 0.0 3.1 – –

Union ....................................................................... 4.9 2.4 4.5 10.6 20.4 4.4 4.8 – –

Nonunion ................................................................. 2.2 3.5 0.0 0.0 0.0 1.3 2.2 – –

Average wage within the following categories1:

Lowest 25 percent ............................................... 4.0 – 0.0 0.0 5.2 7.9 4.0 – –

Lowest 10 percent ........................................... 6.0 4.3 – 0.0 7.1 0.0 6.0 – –

Second 25 percent ............................................... 3.9 – 0.0 0.0 4.8 0.0 3.9 – –

Third 25 percent ................................................... 2.7 0.0 0.0 0.0 0.0 1.6 2.7 – –

Highest 25 percent ............................................... 2.9 0.0 0.0 0.0 0.0 4.9 2.9 – –

Highest 10 percent ........................................... 4.4 4.0 0.0 0.0 2.9 5.6 4.3 – –

Establishment characteristic

Goods-producing industries ..................................... 3.3 0.0 – 0.0 14.7 0.0 3.3 – –

Construction ......................................................... – – – – – – 8.7 – –

Manufacturing ...................................................... 4.0 0.0 – 0.0 19.0 1.8 4.0 – –

Service-providing industries ..................................... 2.6 5.1 0.0 0.0 0.0 3.7 2.5 – –

Trade, transportation, and utilities ....................... 2.5 – 0.0 0.0 0.0 0.0 2.4 – –

Wholesale trade ............................................... 5.2 – 0.0 – 1.6 7.2 5.2 – –

Retail trade ...................................................... 3.4 – 0.0 0.0 0.0 1.3 3.4 – –

Transportation and warehousing ..................... 7.7 5.8 3.2 0.0 6.6 7.6 7.7 – –

Utilities ............................................................. 8.7 0.0 6.9 9.0 13.3 2.8 8.2 – –

Information ........................................................... 5.6 – 6.3 0.0 0.0 7.6 – – –

Financial activities ................................................ 3.2 8.0 0.0 0.0 0.0 1.3 3.5 – –

Finance and insurance .................................... 2.6 4.1 0.0 0.0 0.0 2.0 3.2 – –

Credit intermediation and related activities .. 3.0 14.4 0.0 0.0 11.2 2.4 3.2 – –

Insurance carriers and related activities ...... 5.3 5.7 0.0 0.0 0.0 0.0 6.6 – –

Professional and business services ..................... 6.8 0.0 0.0 12.6 0.0 13.8 6.8 – –

Professional and technical services ................. 8.4 0.0 8.9 12.2 0.0 0.0 8.4 – –

Education and health services ............................. 6.6 – 14.9 7.1 0.0 0.0 6.6 – –

Educational services ........................................ 3.6 0.0 – 12.9 0.0 14.7 3.6 – –

Junior colleges, colleges, and universities ... 4.4 – 0.0 2.6 0.0 0.0 4.4 – –

Health care and social assistance ................... 7.2 – – 7.6 0.0 0.0 7.2 – –

See footnotes at end of table.
Table 11. Standard errors for savings and thrift plans: Maximum employee contributions, private industry workers, National

Compensation Survey, 2013—continued

Characteristics

Percent

of

earnings

Percent of earnings, up to Internal Revenue Code limit Any amount

up to Internal

Revenue

Code limit

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 3.0 2.4 0.0 5.6 3.4 0.0 3.0 – –

1 to 49 workers .................................................... 3.5 0.9 0.0 6.8 2.7 0.0 3.5 – –

50 to 99 workers .................................................. 5.0 6.3 11.9 – 12.7 0.0 4.9 – –

100 workers or more ................................................ 2.5 2.0 0.0 0.0 0.0 4.7 2.5 – –

100 to 499 workers .............................................. 2.6 6.1 0.0 0.0 3.0 3.5 2.6 – –

500 workers or more ............................................ 4.5 0.0 11.0 0.0 0.0 6.8 4.5 – –

Geographic area

New England ........................................................... 4.6 6.0 – 0.0 – 0.0 4.6 – –

Middle Atlantic ......................................................... 7.8 7.3 – 0.0 – 0.0 7.8 – –

South Atlantic ........................................................... 5.7 0.0 3.2 0.0 0.0 1.6 5.8 – –

East South Central ................................................... 8.8 7.1 0.0 17.7 8.7 5.7 8.4 – –

West South Central .................................................. 2.9 6.9 0.0 0.0 12.1 4.9 2.6 – –

East North Central ................................................... 5.1 6.1 0.0 15.2 6.3 0.0 5.1 – –

West North Central .................................................. 9.4 – 0.0 0.0 0.0 14.9 9.2 – –

Mountain .................................................................. 2.7 – 0.0 0.0 – 6.1 2.8 – –

Pacific ...................................................................... 4.5 7.6 0.0 0.0 0.0 7.8 4.4 – –

1 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 12. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers, National

Compensation Survey, 2013

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Specified

matching

percent

Maximum employee contribution matched by employer

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 100 64 3 4 5 6 6 36 –

Management, professional, and related .................. 100 66 3 4 5 6 6 34 –

Management, business, and financial ................. 100 66 3 4 5 6 7 34 –

Professional and related ...................................... 100 66 3 4 5 6 6 34 –

Service ..................................................................... 100 64 3 4 5 6 6 36 –

Protective service ................................................ 100 47 3 – 5 6 6 53 –

Sales and office ....................................................... 100 67 3 4 5 6 6 33 –

Sales and related ................................................. 100 67 4 4 6 6 6 33 –

Office and administrative support ........................ 100 66 3 4 5 6 6 34 –

Natural resources, construction, and maintenance 100 68 – 4 6 6 6 32 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 70 3 – 4 – 6 30 –

Installation, maintenance, and repair ................... 100 67 4 4 6 6 6 33 –

Production, transportation, and material moving ..... 100 54 – 5 6 6 7 46 –

Production ............................................................ 100 56 4 5 6 6 8 44 –

Transportation and material moving .................... 100 52 3 4 5 6 6 48 –

Full time ................................................................... 100 63 3 4 5 6 6 37 –

Part time .................................................................. 100 74 3 4 5 6 6 26 –

Union ....................................................................... 100 69 3 5 6 6 6 31 –

Nonunion ................................................................. 100 64 3 4 5 6 6 36 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 100 69 3 4 5 6 6 31 –

Lowest 10 percent ........................................... 100 71 – 4 4 6 6 29 –

Second 25 percent ............................................... 100 63 3 4 5 6 6 37 –

Third 25 percent ................................................... 100 63 3 4 5 6 6 37 –

Highest 25 percent ............................................... 100 65 3 4 6 6 6 35 –

Highest 10 percent ........................................... 100 60 3 4 5 6 7 40 –

Establishment characteristic

Goods-producing industries ..................................... 100 52 4 4 6 6 8 48 –

Construction ......................................................... 100 54 2 4 4 5 – 46 –

Manufacturing ...................................................... 100 51 4 5 6 6 8 49 –

Service-providing industries ..................................... 100 67 3 4 5 6 6 33 –

Trade, transportation, and utilities ....................... 100 66 4 4 6 6 6 34 –

Wholesale trade ............................................... 100 61 – 4 6 6 6 39 –

Retail trade ...................................................... 100 71 4 4 6 6 6 29 –

Transportation and warehousing ..................... 100 61 3 5 6 6 6 39 –

Utilities ............................................................. 100 62 – 6 6 6 8 38 –

Information ........................................................... 100 88 4 4 6 6 – 12 –

Financial activities ................................................ 100 70 3 4 5 6 6 30 –

Finance and insurance .................................... 100 70 4 5 6 6 6 30 –

Credit intermediation and related activities .. 100 74 4 5 6 6 6 26 –

Insurance carriers and related activities ...... 100 60 3 5 6 6 – 40 –

Professional and business services ..................... 100 53 – 4 5 6 6 47 –

Professional and technical services ................. 100 55 3 4 5 6 7 45 –

Education and health services ............................. 100 75 3 4 5 6 6 25 –

Educational services ........................................ 100 62 2 – 4 5 5 38 –

Junior colleges, colleges, and universities ... 100 62 – 4 5 5 – 38 –

Health care and social assistance ................... 100 77 3 4 5 6 6 23 –

See footnotes at end of table.
Table 12. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Specified

matching

percent

Maximum employee contribution matched by employer

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 100 70 3 4 5 6 6 30 –

1 to 49 workers .................................................... 100 69 3 4 5 6 6 31 –

50 to 99 workers .................................................. 100 72 – 3 4 6 6 28 –

100 workers or more ................................................ 100 61 3 4 6 6 6 39 –

100 to 499 workers .............................................. 100 59 4 5 6 6 6 41 –

500 workers or more ............................................ 100 64 3 4 6 6 6 36 –

Geographic area

New England ........................................................... 100 60 4 5 6 6 6 40 –

Middle Atlantic ......................................................... 100 72 – 4 5 6 6 28 –

South Atlantic ........................................................... 100 66 3 4 5 6 6 34 –

East South Central ................................................... 100 73 3 4 6 6 6 27 –

West South Central .................................................. 100 68 – 4 6 6 6 32 –

East North Central ................................................... 100 64 3 4 5 6 6 36 –

West North Central .................................................. 100 64 4 4 6 6 6 36 –

Mountain .................................................................. 100 54 – 4 5 6 6 46 –

Pacific ...................................................................... 100 55 3 4 5 6 8 45 –

1 Other methods of employer matches include maximum dollar amounts specified by the

employer, varying contributions by the employer based on employee contributions or service, and

other matching methods. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that

no data were reported or that data do not meet publication criteria. For definitions of major plans,

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 12. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private

industry workers, National Compensation Survey, 2013

Characteristics

Specified

matching

percent

Maximum employee contribution matched by employer

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 1.6 0.0 0.0 0.5 0.0 0.0 1.6 –

Management, professional, and related .................. 2.6 0.0 0.0 0.0 0.0 0.2 2.6 –

Management, business, and financial ................. 3.3 0.2 0.0 1.0 0.0 1.4 3.3 –

Professional and related ...................................... 3.6 0.8 0.0 0.0 0.0 0.0 3.6 –

Service ..................................................................... 4.2 0.0 0.0 1.2 0.0 0.0 4.2 –

Protective service ................................................ 12.8 0.0 – 1.1 0.0 0.0 12.8 –

Sales and office ....................................................... 2.5 0.0 0.0 0.9 0.0 0.0 2.5 –

Sales and related ................................................. 4.0 0.3 0.3 0.0 0.0 0.0 4.0 –

Office and administrative support ........................ 3.6 0.0 0.5 0.0 0.0 0.0 3.6 –

Natural resources, construction, and maintenance 3.5 – 0.0 0.6 0.0 0.0 3.5 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 8.7 0.5 – 0.0 – 0.0 8.7 –

Installation, maintenance, and repair ................... 4.2 0.0 0.1 0.0 0.0 0.0 4.2 –

Production, transportation, and material moving ..... 3.0 – 1.3 0.0 0.0 1.8 3.0 –

Production ............................................................ 3.8 0.0 0.0 0.0 0.0 0.0 3.8 –

Transportation and material moving .................... 5.0 0.0 0.1 0.1 0.0 0.0 5.0 –

Full time ................................................................... 1.6 0.0 0.0 0.8 0.0 0.0 1.6 –

Part time .................................................................. 2.9 0.0 0.0 0.1 0.0 0.0 2.9 –

Union ....................................................................... 5.2 0.7 0.8 0.0 0.0 0.7 5.2 –

Nonunion ................................................................. 1.6 0.0 0.0 0.0 0.0 0.0 1.6 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 4.5 0.0 0.0 1.2 0.0 0.0 4.5 –

Lowest 10 percent ........................................... 5.4 – 1.1 0.9 1.0 0.0 5.4 –

Second 25 percent ............................................... 2.5 0.0 0.0 0.2 0.0 0.0 2.5 –

Third 25 percent ................................................... 1.8 0.0 0.0 0.5 0.0 0.0 1.8 –

Highest 25 percent ............................................... 2.7 0.0 0.0 1.2 0.0 0.3 2.7 –

Highest 10 percent ........................................... 4.2 0.4 0.0 0.3 0.0 1.4 4.2 –

Establishment characteristic

Goods-producing industries ..................................... 2.6 0.8 0.0 0.4 0.0 0.0 2.6 –

Construction ......................................................... 5.9 0.5 1.2 0.0 0.8 – 5.9 –

Manufacturing ...................................................... 3.1 0.2 0.3 0.0 0.0 0.0 3.1 –

Service-providing industries ..................................... 1.8 0.0 0.0 0.2 0.0 0.0 1.8 –

Trade, transportation, and utilities ....................... 2.2 1.0 0.9 0.0 0.0 0.0 2.2 –

Wholesale trade ............................................... 4.8 – 0.6 0.0 0.0 0.0 4.8 –

Retail trade ...................................................... 3.4 0.0 0.6 0.8 0.0 0.0 3.4 –

Transportation and warehousing ..................... 8.7 0.4 0.3 0.7 0.0 0.0 8.7 –

Utilities ............................................................. 7.0 – 0.9 0.0 0.3 1.4 7.0 –

Information ........................................................... 3.4 0.0 0.5 0.0 0.0 – 3.4 –

Financial activities ................................................ 2.4 0.3 0.0 0.6 0.0 0.0 2.4 –

Finance and insurance .................................... 2.5 0.2 0.3 0.0 0.0 0.0 2.5 –

Credit intermediation and related activities .. 2.4 0.0 0.4 0.1 0.0 0.0 2.4 –

Insurance carriers and related activities ...... 6.3 0.0 1.4 0.0 0.0 – 6.3 –

Professional and business services ..................... 5.6 – 0.4 0.0 0.0 0.0 5.6 –

Professional and technical services ................. 7.9 0.0 0.7 0.5 0.0 1.4 7.9 –

Education and health services ............................. 4.0 0.0 0.9 0.8 0.0 0.0 4.0 –

Educational services ........................................ 6.9 0.0 – 1.0 0.0 1.2 6.9 –

Junior colleges, colleges, and universities ... 5.2 – 0.0 0.3 0.3 – 5.2 –

Health care and social assistance ................... 4.4 0.0 0.4 0.7 0.0 0.0 4.4 –

See footnotes at end of table.
Table 12. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private

industry workers, National Compensation Survey, 2013—continued

Characteristics

Specified

matching

percent

Maximum employee contribution matched by employer

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 2.2 0.0 0.3 0.8 0.0 0.0 2.2 –

1 to 49 workers .................................................... 2.8 0.0 0.0 0.4 0.0 0.0 2.8 –

50 to 99 workers .................................................. 4.6 – 0.8 1.0 0.0 0.0 4.6 –

100 workers or more ................................................ 2.4 0.4 0.1 0.0 0.0 0.0 2.4 –

100 to 499 workers .............................................. 2.8 0.0 0.7 0.0 0.0 0.0 2.8 –

500 workers or more ............................................ 3.3 0.5 0.0 0.7 0.0 0.0 3.3 –

Geographic area

New England ........................................................... 6.7 0.0 0.0 1.2 0.0 0.0 6.7 –

Middle Atlantic ......................................................... 2.3 – 0.9 0.0 0.0 0.0 2.3 –

South Atlantic ........................................................... 2.2 0.0 0.0 0.7 0.0 0.0 2.2 –

East South Central ................................................... 5.7 0.0 0.0 1.3 0.0 0.0 5.7 –

West South Central .................................................. 4.4 – 0.2 0.0 0.0 0.0 4.4 –

East North Central ................................................... 4.4 0.0 0.0 1.0 0.0 0.0 4.4 –

West North Central .................................................. 7.2 0.9 0.4 0.0 0.0 0.0 7.2 –

Mountain .................................................................. 2.7 – 0.0 0.3 0.0 0.9 2.7 –

Pacific ...................................................................... 5.7 0.6 0.0 1.2 0.0 2.4 5.7 –

1 Other methods of employer matches include maximum dollar amounts specified by

the employer, varying contributions by the employer based on employee contributions or

service, and other matching methods. 2 Surveyed occupations are classified into wage categories based on the average

wage for the occupation, which may include workers with earnings both above and below

the threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 13. Savings and thrift plans: Method of employer matching contributions, private industry workers, National

Compensation Survey, 2013

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Specified

matching

percent

Specified matching percent

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 100 64 50 50 100 100 100 36 –

Management, professional, and related .................. 100 66 50 50 100 100 100 34 –

Management, business, and financial ................. 100 66 – 50 100 100 100 34 –

Professional and related ...................................... 100 66 50 50 100 100 100 34 –

Service ..................................................................... 100 64 – 50 – 100 100 36 –

Protective service ................................................ 100 47 50 – 100 100 100 53 –

Sales and office ....................................................... 100 67 50 50 100 100 100 33 –

Sales and related ................................................. 100 67 50 50 100 100 100 33 –

Office and administrative support ........................ 100 66 50 50 100 100 100 34 –

Natural resources, construction, and maintenance 100 68 30 50 – 100 100 32 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 70 50 50 – 100 100 30 –

Installation, maintenance, and repair ................... 100 67 25 50 – 100 100 33 –

Production, transportation, and material moving ..... 100 54 35 50 – 100 100 46 –

Production ............................................................ 100 56 – 50 50 100 100 44 –

Transportation and material moving .................... 100 52 – 50 100 100 100 48 –

Full time ................................................................... 100 63 50 50 100 100 100 37 –

Part time .................................................................. 100 74 50 50 100 100 100 26 –

Union ....................................................................... 100 69 – 50 80 100 100 31 –

Nonunion ................................................................. 100 64 50 50 100 100 100 36 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 100 69 – 50 100 100 100 31 –

Lowest 10 percent ........................................... 100 71 25 50 – 100 100 29 –

Second 25 percent ............................................... 100 63 50 50 100 100 100 37 –

Third 25 percent ................................................... 100 63 – 50 100 100 100 37 –

Highest 25 percent ............................................... 100 65 50 50 80 100 100 35 –

Highest 10 percent ........................................... 100 60 50 50 100 100 100 40 –

Establishment characteristic

Goods-producing industries ..................................... 100 52 40 50 60 100 100 48 –

Construction ......................................................... 100 54 40 50 50 – 100 46 –

Manufacturing ...................................................... 100 51 – 50 75 100 100 49 –

Service-providing industries ..................................... 100 67 50 50 100 100 100 33 –

Trade, transportation, and utilities ....................... 100 66 50 50 100 100 100 34 –

Wholesale trade ............................................... 100 61 50 50 100 100 100 39 –

Retail trade ...................................................... 100 71 50 – 100 100 100 29 –

Transportation and warehousing ..................... 100 61 30 50 100 100 100 39 –

Utilities ............................................................. 100 62 50 50 70 100 100 38 –

Information ........................................................... 100 88 50 – 80 100 100 12 –

Financial activities ................................................ 100 70 50 – 100 100 100 30 –

Finance and insurance .................................... 100 70 50 – 100 100 100 30 –

Credit intermediation and related activities .. 100 74 50 100 100 100 100 26 –

Insurance carriers and related activities ...... 100 60 50 50 100 100 100 40 –

Professional and business services ..................... 100 53 25 50 – 100 100 47 –

Professional and technical services ................. 100 55 25 50 – 100 100 45 –

Education and health services ............................. 100 75 – 50 50 100 100 25 –

Educational services ........................................ 100 62 50 – 100 100 100 38 –

Junior colleges, colleges, and universities ... 100 62 50 – 100 100 100 38 –

Health care and social assistance ................... 100 77 – 50 50 100 100 23 –

See footnotes at end of table.
Table 13. Savings and thrift plans: Method of employer matching contributions, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Specified

matching

percent

Specified matching percent

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 100 70 50 50 100 100 100 30 –

1 to 49 workers .................................................... 100 69 50 50 100 100 100 31 –

50 to 99 workers .................................................. 100 72 – 50 – 100 100 28 –

100 workers or more ................................................ 100 61 – 50 100 100 100 39 –

100 to 499 workers .............................................. 100 59 50 50 100 100 100 41 –

500 workers or more ............................................ 100 64 – 50 – 100 100 36 –

Geographic area

New England ........................................................... 100 60 25 50 100 100 100 40 –

Middle Atlantic ......................................................... 100 72 – 50 82 100 100 28 –

South Atlantic ........................................................... 100 66 50 50 100 100 100 34 –

East South Central ................................................... 100 73 – 50 – 100 100 27 –

West South Central .................................................. 100 68 – 50 100 100 100 32 –

East North Central ................................................... 100 64 50 50 100 100 100 36 –

West North Central .................................................. 100 64 25 50 80 100 100 36 –

Mountain .................................................................. 100 54 50 – 100 100 100 46 –

Pacific ...................................................................... 100 55 50 50 100 100 100 45 –

1 Other methods of employer matches include maximum dollar amounts specified by the

employer, varying contributions by the employer based on employee contributions or service, and

other matching methods. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that

no data were reported or that data do not meet publication criteria. For definitions of major plans,

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 13. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry

workers, National Compensation Survey, 2013

Characteristics

Specified

matching

percent

Specified matching percent

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 1.6 10.7 0.0 4.6 0.0 0.0 1.6 –

Management, professional, and related .................. 2.6 8.5 0.0 5.4 0.0 0.0 2.6 –

Management, business, and financial ................. 3.3 – 0.0 5.2 0.0 0.0 3.3 –

Professional and related ...................................... 3.6 0.0 0.0 11.3 0.0 0.0 3.6 –

Service ..................................................................... 4.2 – 0.0 – 0.0 0.0 4.2 –

Protective service ................................................ 12.8 6.1 – 0.0 0.0 0.0 12.8 –

Sales and office ....................................................... 2.5 0.0 0.0 0.0 0.0 0.0 2.5 –

Sales and related ................................................. 4.0 0.0 9.8 0.0 0.0 0.0 4.0 –

Office and administrative support ........................ 3.6 0.0 0.0 0.0 0.0 0.0 3.6 –

Natural resources, construction, and maintenance 3.5 8.4 0.0 – 0.0 0.0 3.5 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 8.7 10.9 0.0 – 0.0 0.0 8.7 –

Installation, maintenance, and repair ................... 4.2 6.6 3.2 – 6.7 0.0 4.2 –

Production, transportation, and material moving ..... 3.0 9.2 0.0 – 0.0 0.0 3.0 –

Production ............................................................ 3.8 – 0.0 0.0 0.0 0.0 3.8 –

Transportation and material moving .................... 5.0 – 1.8 0.0 0.0 0.0 5.0 –

Full time ................................................................... 1.6 14.5 0.0 10.3 0.0 0.0 1.6 –

Part time .................................................................. 2.9 0.0 0.0 0.0 0.0 0.0 2.9 –

Union ....................................................................... 5.2 – 0.0 8.9 2.7 0.0 5.2 –

Nonunion ................................................................. 1.6 7.3 0.0 0.0 0.0 0.0 1.6 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 4.5 – 0.0 0.0 0.0 0.0 4.5 –

Lowest 10 percent ........................................... 5.4 6.8 0.0 – 0.0 0.0 5.4 –

Second 25 percent ............................................... 2.5 6.9 0.0 0.0 0.0 0.0 2.5 –

Third 25 percent ................................................... 1.8 – 0.0 11.4 0.0 0.0 1.8 –

Highest 25 percent ............................................... 2.7 7.5 0.0 11.9 0.0 0.0 2.7 –

Highest 10 percent ........................................... 4.2 0.0 0.0 8.4 0.0 0.0 4.2 –

Establishment characteristic

Goods-producing industries ..................................... 2.6 6.6 0.0 12.7 0.0 0.0 2.6 –

Construction ......................................................... 5.9 0.0 2.6 0.0 – 0.0 5.9 –

Manufacturing ...................................................... 3.1 – 0.0 21.7 0.0 0.0 3.1 –

Service-providing industries ..................................... 1.8 7.0 0.0 0.0 0.0 0.0 1.8 –

Trade, transportation, and utilities ....................... 2.2 6.7 0.0 0.0 0.0 0.0 2.2 –

Wholesale trade ............................................... 4.8 0.0 0.0 21.5 0.0 0.0 4.8 –

Retail trade ...................................................... 3.4 10.2 – 0.0 0.0 0.0 3.4 –

Transportation and warehousing ..................... 8.7 4.5 14.7 0.0 0.0 0.0 8.7 –

Utilities ............................................................. 7.0 0.0 5.2 19.2 0.0 0.0 7.0 –

Information ........................................................... 3.4 0.0 – 1.2 0.0 0.0 3.4 –

Financial activities ................................................ 2.4 0.0 – 0.0 0.0 0.0 2.4 –

Finance and insurance .................................... 2.5 0.0 – 0.0 0.0 0.0 2.5 –

Credit intermediation and related activities .. 2.4 0.0 0.0 0.0 0.0 0.0 2.4 –

Insurance carriers and related activities ...... 6.3 0.0 0.0 0.0 0.0 0.0 6.3 –

Professional and business services ..................... 5.6 3.9 1.8 – 0.0 0.0 5.6 –

Professional and technical services ................. 7.9 2.7 5.2 – 0.0 0.0 7.9 –

Education and health services ............................. 4.0 – 0.0 7.2 0.0 0.0 4.0 –

Educational services ........................................ 6.9 0.0 – 0.0 0.0 0.0 6.9 –

Junior colleges, colleges, and universities ... 5.2 0.0 – 0.0 0.0 0.0 5.2 –

Health care and social assistance ................... 4.4 – 0.0 0.0 0.0 0.0 4.4 –

See footnotes at end of table.
Table 13. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry

workers, National Compensation Survey, 2013—continued

Characteristics

Specified

matching

percent

Specified matching percent

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 2.2 10.8 0.0 4.6 0.0 0.0 2.2 –

1 to 49 workers .................................................... 2.8 0.0 0.0 0.0 0.0 0.0 2.8 –

50 to 99 workers .................................................. 4.6 – 0.0 – 0.0 0.0 4.6 –

100 workers or more ................................................ 2.4 – 0.0 17.0 0.0 0.0 2.4 –

100 to 499 workers .............................................. 2.8 10.4 0.0 0.0 0.0 0.0 2.8 –

500 workers or more ............................................ 3.3 – 0.0 – 0.0 0.0 3.3 –

Geographic area

New England ........................................................... 6.7 7.4 7.2 29.0 0.0 0.0 6.7 –

Middle Atlantic ......................................................... 2.3 – 0.0 23.3 0.0 0.0 2.3 –

South Atlantic ........................................................... 2.2 0.0 0.0 27.2 0.0 0.0 2.2 –

East South Central ................................................... 5.7 – 0.0 – 0.0 0.0 5.7 –

West South Central .................................................. 4.4 – 9.3 0.0 0.0 0.0 4.4 –

East North Central ................................................... 4.4 0.0 0.0 26.1 0.0 0.0 4.4 –

West North Central .................................................. 7.2 5.0 0.0 23.5 0.0 0.0 7.2 –

Mountain .................................................................. 2.7 0.0 – 0.0 0.0 0.0 2.7 –

Pacific ...................................................................... 5.7 0.0 0.0 21.2 0.0 0.0 5.7 –

1 Other methods of employer matches include maximum dollar amounts specified by

the employer, varying contributions by the employer based on employee contributions or

service, and other matching methods. 2 Surveyed occupations are classified into wage categories based on the average

wage for the occupation, which may include workers with earnings both above and below

the threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 14. Savings and thrift plans: Maximum potential employer contribution,1

 private

industry workers, National Compensation Survey, 2013

(Includes all workers participating in savings and thrift plans that specify matching contributions)

Characteristics

Maximum potential employer contribution

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 1.5 2.5 3.6 5.0 6.0

Management, professional, and related .................. 1.8 2.5 3.5 5.0 6.0

Management, business, and financial ................. 1.5 2.5 4.0 5.0 6.0

Professional and related ...................................... 2.0 2.5 3.0 4.8 6.0

Service ..................................................................... – 2.0 3.0 4.0 6.0

Protective service ................................................ – 3.0 4.0 6.0 6.0

Sales and office ....................................................... 1.5 3.0 4.0 6.0 6.0

Sales and related ................................................. – 3.0 – 6.0 6.0

Office and administrative support ........................ 1.5 – 4.0 5.0 6.0

Natural resources, construction, and maintenance – 2.0 3.0 4.5 6.0

Construction, extraction, farming, fishing, and

forestry ............................................................... – – 3.0 – 4.0

Installation, maintenance, and repair ................... – 2.0 3.0 4.8 6.0

Production, transportation, and material moving ..... 2.0 3.0 3.0 5.0 6.0

Production ............................................................ 2.0 2.5 3.0 5.0 6.0

Transportation and material moving .................... 1.8 3.0 4.0 5.0 6.0

Full time ................................................................... 1.5 2.5 3.6 5.0 6.0

Part time .................................................................. 1.5 3.0 4.0 5.0 6.0

Union ....................................................................... 1.8 3.0 3.0 4.9 5.1

Nonunion ................................................................. 1.5 2.5 3.6 5.0 6.0

Average wage within the following categories2:

Lowest 25 percent ............................................... 1.5 2.5 4.0 6.0 6.0

Lowest 10 percent ........................................... – – – 4.0 5.0

Second 25 percent ............................................... 1.5 3.0 4.0 6.0 6.0

Third 25 percent ................................................... 1.8 2.5 3.0 5.0 6.0

Highest 25 percent ............................................... 1.8 2.5 3.6 5.0 6.0

Highest 10 percent ........................................... 2.0 3.0 4.0 5.0 6.0

Establishment characteristic

Goods-producing industries ..................................... 2.0 2.5 3.6 5.0 6.0

Construction ......................................................... 1.0 2.0 – – 5.0

Manufacturing ...................................................... 2.0 3.0 3.6 6.0 6.0

Service-providing industries ..................................... 1.5 2.5 3.8 5.0 6.0

Trade, transportation, and utilities ....................... 2.0 3.0 4.0 6.0 6.0

Wholesale trade ............................................... 3.0 3.0 – 5.5 6.0

Retail trade ...................................................... – – 5.0 6.0 6.0

Transportation and warehousing ..................... 1.5 – – 5.5 6.0

Utilities ............................................................. 3.0 3.0 4.0 5.1 6.0

Information ........................................................... 2.5 – 4.5 4.8 4.9

Financial activities ................................................ 2.5 3.0 4.0 6.0 6.0

Finance and insurance .................................... 3.0 3.0 5.0 6.0 6.0

Credit intermediation and related activities .. 3.0 4.0 5.0 6.0 6.0

Insurance carriers and related activities ...... 3.0 3.0 4.0 6.0 6.0

Professional and business services ..................... – – 3.0 5.0 6.0

Professional and technical services ................. 1.5 2.0 3.0 4.0 6.0

Education and health services ............................. 1.5 2.0 3.0 4.0 5.0

Educational services ........................................ 2.0 2.0 3.0 5.0 5.0

Junior colleges, colleges, and universities ... 2.0 3.0 4.0 5.0 –

Health care and social assistance ................... 1.5 2.0 3.0 4.0 5.0

See footnotes at end of table.
Table 14. Savings and thrift plans: Maximum potential employer contribution,1

 private

industry workers, National Compensation Survey, 2013—continued

(Includes all workers participating in savings and thrift plans that specify matching contributions)

Characteristics

Maximum potential employer contribution

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 1.5 2.0 3.0 5.0 6.0

1 to 49 workers .................................................... – 3.0 4.0 5.0 6.0

50 to 99 workers .................................................. – 2.0 3.0 4.0 6.0

100 workers or more ................................................ 1.8 3.0 4.0 5.0 6.0

100 to 499 workers .............................................. 2.0 3.0 4.5 6.0 6.0

500 workers or more ............................................ 1.5 2.1 3.0 5.0 6.0

Geographic area

New England ........................................................... 1.5 – 4.0 5.0 6.0

Middle Atlantic ......................................................... – 2.0 3.0 4.8 6.0

South Atlantic ........................................................... 1.5 – 3.8 5.0 6.0

East South Central ................................................... 1.5 – 3.0 5.0 6.0

West South Central .................................................. – 3.0 4.0 6.0 6.0

East North Central ................................................... 1.5 2.5 – 5.0 6.0

West North Central .................................................. 1.5 2.5 4.0 6.0 6.0

Mountain .................................................................. 2.0 3.0 4.0 6.0 6.0

Pacific ...................................................................... – 3.0 3.6 4.8 6.0

1 The maximum potential employer contribution is determined by

multiplying the maximum employee contribution subject to matching by

the employer matching percent, for those plans that specify both

values. 2 Surveyed occupations are classified into wage categories based

on the average wage for the occupation, which may include workers

with earnings both above and below the threshold. The categories

were formed using percentile estimates generated using data from the

National Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not

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

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 14. Standard errors for savings and thrift plans: Maximum potential employer

contribution,1

 private industry workers, National Compensation Survey, 2013

Characteristics

Maximum potential employer contribution

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 0.1 0.5 0.6 0.0 0.0

Management, professional, and related .................. 0.5 0.4 0.9 0.1 0.0

Management, business, and financial ................. 0.4 0.6 0.7 1.0 0.0

Professional and related ...................................... 0.4 0.5 0.5 0.7 0.6

Service ..................................................................... – 0.6 0.0 0.9 0.0

Protective service ................................................ – 0.3 1.2 0.7 0.0

Sales and office ....................................................... 0.0 0.4 0.0 0.1 0.0

Sales and related ................................................. – 0.2 – 0.0 0.0

Office and administrative support ........................ 0.0 – 0.7 0.0 0.0

Natural resources, construction, and maintenance – 0.5 0.0 0.7 1.2

Construction, extraction, farming, fishing, and

forestry ............................................................... – – 0.0 – 0.5

Installation, maintenance, and repair ................... – 0.4 0.3 0.1 0.0

Production, transportation, and material moving ..... 0.2 0.5 0.6 0.4 0.0

Production ............................................................ 0.1 0.5 0.0 1.0 0.0

Transportation and material moving .................... 0.3 0.1 0.3 0.3 0.0

Full time ................................................................... 0.1 0.4 0.8 0.0 0.0

Part time .................................................................. 0.0 0.3 0.0 0.5 0.0

Union ....................................................................... 0.2 0.0 0.8 0.1 0.9

Nonunion ................................................................. 0.0 0.4 0.7 0.0 0.0

Average wage within the following categories2:

Lowest 25 percent ............................................... 0.1 0.7 0.3 0.8 0.0

Lowest 10 percent ........................................... – – – 0.0 0.0

Second 25 percent ............................................... 0.0 0.8 0.5 1.3 0.0

Third 25 percent ................................................... 0.4 0.6 0.3 0.0 0.0

Highest 25 percent ............................................... 0.5 0.5 0.8 0.1 0.0

Highest 10 percent ........................................... 0.0 0.5 0.2 0.0 0.0

Establishment characteristic

Goods-producing industries ..................................... 3 ( ) 0.3 0.5 0.6 0.0

Construction ......................................................... 0.0 0.3 – – 0.0

Manufacturing ...................................................... 0.0 0.5 0.5 0.9 0.0

Service-providing industries ..................................... 0.0 0.6 0.8 0.0 0.0

Trade, transportation, and utilities ....................... 0.3 0.0 0.4 0.0 0.0

Wholesale trade ............................................... 0.4 0.0 – 1.5 0.0

Retail trade ...................................................... – – 0.0 0.0 0.0

Transportation and warehousing ..................... 0.3 – – 0.7 0.0

Utilities ............................................................. 0.0 0.4 0.5 1.1 0.0

Information ........................................................... 0.7 – 0.2 0.0 1.2

Financial activities ................................................ 0.7 0.0 1.1 0.0 0.0

Finance and insurance .................................... 0.6 0.0 0.2 0.0 0.0

Credit intermediation and related activities .. 0.0 0.4 0.0 0.0 0.0

Insurance carriers and related activities ...... 0.0 0.0 0.8 0.0 0.0

Professional and business services ..................... – – 0.2 0.8 0.0

Professional and technical services ................. 0.0 0.5 0.4 0.8 1.7

Education and health services ............................. 0.0 0.0 0.0 0.7 1.1

Educational services ........................................ 0.0 0.4 0.3 0.9 0.0

Junior colleges, colleges, and universities ... 0.3 0.7 0.9 0.0 –

Health care and social assistance ................... 0.0 0.2 0.0 0.7 1.4

See footnotes at end of table.
Table 14. Standard errors for savings and thrift plans: Maximum potential employer

contribution,1

 private industry workers, National Compensation Survey, 2013—continued

Characteristics

Maximum potential employer contribution

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 0.0 0.6 0.3 0.4 0.0

1 to 49 workers .................................................... – 0.3 0.5 0.1 0.0

50 to 99 workers .................................................. – 0.4 0.0 0.5 0.2

100 workers or more ................................................ 0.4 0.2 0.2 0.5 0.0

100 to 499 workers .............................................. 0.1 0.0 0.7 0.0 0.0

500 workers or more ............................................ 0.0 0.6 0.0 0.2 0.0

Geographic area

New England ........................................................... 0.3 – 0.7 0.0 0.3

Middle Atlantic ......................................................... – 0.0 0.0 0.7 0.5

South Atlantic ........................................................... 0.0 – 1.1 0.0 0.0

East South Central ................................................... 0.0 – 0.6 0.0 0.0

West South Central .................................................. – 0.3 0.0 0.7 0.0

East North Central ................................................... 0.3 0.6 – 0.8 0.0

West North Central .................................................. 0.0 0.6 0.3 0.4 0.0

Mountain .................................................................. 0.3 0.4 0.0 0.0 0.0

Pacific ...................................................................... – 0.0 0.6 0.4 0.0

1 The maximum potential employer contribution is determined by

multiplying the maximum employee contribution subject to matching by

the employer matching percent, for those plans that specify both

values. 2 Surveyed occupations are classified into wage categories based

on the average wage for the occupation, which may include workers

with earnings both above and below the threshold. The categories

were formed using percentile estimates generated using data from the

National Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2013." 3 Less than 0.05.

Note: Dashes indicate that no data were reported or that data do not

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

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 15. Medical care benefits: Plan type, private industry workers, National Compensation Survey, 2013

(All workers participating in medical care plans = 100 percent)

Characteristics Total

Fee-for-service plan

Total Traditional

Exclusive

provider

organization1

Preferred

provider

organization2

Point of

service plan3

Not

determinable

Worker characteristic

All workers ............................................................... 100 82 2 5 67 7 –

Management, professional, and related .................. 100 79 2 6 59 12 –

Management, business, and financial ................. 100 81 3 5 70 3 –

Professional and related ...................................... 100 78 – 7 53 17 –

Service ..................................................................... 100 79 – 4 62 12 –

Sales and office ....................................................... 100 83 3 4 73 4 –

Sales and related ................................................. 100 85 – 4 74 – –

Office and administrative support ........................ 100 82 – 4 72 5 –

Natural resources, construction, and maintenance 100 83 – – 70 3 –

Installation, maintenance, and repair ................... 100 80 – 8 68 – –

Production, transportation, and material moving ..... 100 84 – 5 75 – –

Production ............................................................ 100 87 – 6 80 – –

Transportation and material moving .................... 100 80 – – 69 – –

Full time ................................................................... 100 81 2 5 68 6 –

Part time .................................................................. 100 87 – – 58 21 –

Union ....................................................................... 100 77 – – 63 4 –

Nonunion ................................................................. 100 82 2 5 68 7 –

Average wage within the following categories4:

Lowest 25 percent ............................................... 100 84 – – 72 5 –

Second 25 percent ............................................... 100 82 – 5 68 – –

Third 25 percent ................................................... 100 81 1 5 69 6 –

Highest 25 percent ............................................... 100 81 3 7 63 8 –

Highest 10 percent ........................................... 100 80 3 5 64 7 –

Establishment characteristic

Goods-producing industries ..................................... 100 87 – 8 76 – –

Construction ......................................................... 100 84 – – 62 – –

Manufacturing ...................................................... 100 87 – 6 79 – –

Service-providing industries ..................................... 100 80 2 4 65 8 –

Trade, transportation, and utilities ....................... 100 83 4 5 72 2 –

Wholesale trade ............................................... 100 79 – 6 69 – –

Retail trade ...................................................... 100 85 – – 76 – –

Information ........................................................... 100 77 – 10 64 – –

Financial activities ................................................ 100 83 – 5 75 – –

Finance and insurance .................................... 100 86 4 6 76 – –

See footnotes at end of table.
Table 15. Medical care benefits: Plan type, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Worker characteristic

All workers ............................................................... 18 15 4 –

Management, professional, and related .................. 21 17 4 –

Management, business, and financial ................. 19 14 5 –

Professional and related ...................................... 22 18 4 –

Service ..................................................................... 21 18 – –

Sales and office ....................................................... 17 13 3 –

Sales and related ................................................. 15 12 – –

Office and administrative support ........................ 18 14 4 –

Natural resources, construction, and maintenance 17 12 5 –

Installation, maintenance, and repair ................... 20 14 6 –

Production, transportation, and material moving ..... 16 13 3 –

Production ............................................................ 13 10 3 –

Transportation and material moving .................... 20 15 – –

Full time ................................................................... 19 15 4 –

Part time .................................................................. 13 12 – –

Union ....................................................................... 23 17 5 –

Nonunion ................................................................. 18 14 4 –

Average wage within the following categories4:

Lowest 25 percent ............................................... 16 14 – –

Second 25 percent ............................................... 18 15 3 –

Third 25 percent ................................................... 19 15 4 –

Highest 25 percent ............................................... 19 15 5 –

Highest 10 percent ........................................... 20 17 4 –

Establishment characteristic

Goods-producing industries ..................................... 13 10 3 –

Construction ......................................................... 16 13 – –

Manufacturing ...................................................... 13 10 3 –

Service-providing industries ..................................... 20 16 4 –

Trade, transportation, and utilities ....................... 17 14 3 –

Wholesale trade ............................................... 21 14 – –

Retail trade ...................................................... 15 12 – –

Information ........................................................... 23 16 – –

Financial activities ................................................ 17 13 3 –

Finance and insurance .................................... 14 10 4 –

See footnotes at end of table.
Table 15. Medical care benefits: Plan type, private industry workers, National Compensation Survey,

2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics Total

Fee-for-service plan

Total Traditional

Exclusive

provider

organization1

Preferred

provider

organization2

Point of

service plan3

Not

determinable

Credit intermediation and related activities .. 100 85 – – 79 – –

Insurance carriers and related activities ...... 100 87 2 – 74 – –

Professional and business services ..................... 100 81 3 – 71 – –

Education and health services ............................. 100 76 – 5 45 25 –

Educational services ........................................ 100 72 – – 59 5 –

Junior colleges, colleges, and universities ... 100 79 – – 61 7 –

Health care and social assistance ................... 100 77 – 5 43 28 –

1 to 99 workers ........................................................ 100 79 2 5 66 5 –

1 to 49 workers .................................................... 100 79 3 4 67 – –

50 to 99 workers .................................................. 100 78 – 7 66 – –

100 workers or more ................................................ 100 84 2 5 68 8 –

100 to 499 workers .............................................. 100 85 2 5 72 5 –

500 workers or more ............................................ 100 82 – 6 63 12 –

Geographic area

New England ........................................................... 100 74 – – 62 – –

Middle Atlantic ......................................................... 100 74 – 9 55 7 –

South Atlantic ........................................................... 100 87 – 5 73 – –

East South Central ................................................... 100 – – – 77 – –

West South Central .................................................. 100 94 4 5 77 7 –

East North Central ................................................... 100 84 – 3 75 6 –

West North Central .................................................. 100 93 – – 72 – –

Mountain .................................................................. 100 81 – 6 67 5 –

Pacific ...................................................................... 100 64 – 4 52 – –

See footnotes at end of table.
Table 15. Medical care benefits: Plan type, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Credit intermediation and related activities .. 15 11 – –

Insurance carriers and related activities ...... 13 11 – –

Professional and business services ..................... 19 13 6 –

Education and health services ............................. 24 20 4 –

Educational services ........................................ 28 21 7 –

Junior colleges, colleges, and universities ... 21 14 7 –

Health care and social assistance ................... 23 20 – –

1 to 99 workers ........................................................ 21 17 4 –

1 to 49 workers .................................................... 21 17 4 –

50 to 99 workers .................................................. 22 17 – –

100 workers or more ................................................ 16 13 3 –

100 to 499 workers .............................................. 15 12 3 –

500 workers or more ............................................ 18 14 4 –

Geographic area

New England ........................................................... 26 24 – –

Middle Atlantic ......................................................... 26 19 7 –

South Atlantic ........................................................... 13 8 4 –

East South Central ................................................... – 6 – –

West South Central .................................................. 6 5 – –

East North Central ................................................... 16 14 2 –

West North Central .................................................. 7 5 – –

Mountain .................................................................. 19 15 – –

Pacific ...................................................................... 36 30 6 –

1 This type of plan obligates employees to use only the

plan’s providers in order to receive coverage. 2 This type of plan provides coverage through a

network of participating health care providers. Enrollees

may receive services outside the network, but generally at

a higher cost. The additional costs may be in the form of

higher deductibles, higher coinsurance rates, or both, or in

the form of nondiscounted charges from providers. 3 This type of plan provides services through a

network of participating health care providers. Services

received within the network or through select medical

facilities generally provide more generous benefits than

services received outside the network. 4 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the

National Compensation Survey publication, "Employer

Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may

not equal totals. Dashes indicate that no data were

reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 15. Standard errors for medical care benefits: Plan type, private industry workers, National

Compensation Survey, 2013

Characteristics

Fee-for-service plan

Total Traditional

Exclusive

provider

organization1

Preferred

provider

organization2

Point of

service plan3

Not

determinable

Worker characteristic

All workers ............................................................... 1.0 0.3 0.5 1.1 0.8 –

Management, professional, and related .................. 1.8 0.4 0.7 1.8 1.8 –

Management, business, and financial ................. 2.1 0.4 1.0 2.5 0.6 –

Professional and related ...................................... 2.4 – 0.9 2.2 2.5 –

Service ..................................................................... 3.3 – 0.9 3.4 2.6 –

Sales and office ....................................................... 1.1 0.6 0.5 1.3 0.7 –

Sales and related ................................................. 2.4 – 0.9 3.0 – –

Office and administrative support ........................ 1.5 – 0.5 1.7 0.8 –

Natural resources, construction, and maintenance 2.1 – – 3.5 0.7 –

Installation, maintenance, and repair ................... 2.9 – 1.9 3.1 – –

Production, transportation, and material moving ..... 1.5 – 1.1 1.7 – –

Production ............................................................ 1.8 – 1.6 2.3 – –

Transportation and material moving .................... 3.3 – – 3.8 – –

Full time ................................................................... 1.0 0.3 0.5 1.1 0.7 –

Part time .................................................................. 2.4 – – 4.9 6.1 –

Union ....................................................................... 3.7 – – 3.6 1.1 –

Nonunion ................................................................. 1.1 0.3 0.4 1.2 0.9 –

Average wage within the following categories4:

Lowest 25 percent ............................................... 2.4 – – 2.4 1.4 –

Second 25 percent ............................................... 1.9 – 0.8 2.3 – –

Third 25 percent ................................................... 1.1 0.3 0.7 1.4 0.8 –

Highest 25 percent ............................................... 2.2 0.6 1.0 2.3 1.4 –

Highest 10 percent ........................................... 3.8 0.9 1.2 3.6 1.7 –

Establishment characteristic

Goods-producing industries ..................................... 1.2 – 1.5 2.0 – –

Construction ......................................................... 2.8 – – 4.5 – –

Manufacturing ...................................................... 1.6 – 1.2 1.9 – –

Service-providing industries ..................................... 1.1 0.4 0.4 1.3 1.0 –

Trade, transportation, and utilities ....................... 1.6 1.0 1.0 2.0 0.6 –

Wholesale trade ............................................... 2.0 – 1.3 2.4 – –

Retail trade ...................................................... 1.9 – – 2.6 – –

Information ........................................................... 4.0 – 2.1 3.8 – –

Financial activities ................................................ 2.0 – 1.1 2.4 – –

Finance and insurance .................................... 1.3 1.0 1.3 2.5 – –

See footnotes at end of table.
Table 15. Standard errors for medical care benefits: Plan type, private

industry workers, National Compensation Survey, 2013—continued

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Worker characteristic

All workers ............................................................... 1.0 0.9 0.4 –

Management, professional, and related .................. 1.8 1.6 0.7 –

Management, business, and financial ................. 2.1 1.7 1.4 –

Professional and related ...................................... 2.4 2.2 0.9 –

Service ..................................................................... 3.3 3.0 – –

Sales and office ....................................................... 1.1 1.2 0.5 –

Sales and related ................................................. 2.4 2.1 – –

Office and administrative support ........................ 1.5 1.4 0.6 –

Natural resources, construction, and maintenance 2.1 1.8 1.4 –

Installation, maintenance, and repair ................... 2.9 2.6 1.7 –

Production, transportation, and material moving ..... 1.5 1.3 1.0 –

Production ............................................................ 1.8 1.6 0.7 –

Transportation and material moving .................... 3.3 3.0 – –

Full time ................................................................... 1.0 1.0 0.4 –

Part time .................................................................. 2.4 2.2 – –

Union ....................................................................... 3.7 3.6 1.0 –

Nonunion ................................................................. 1.1 1.0 0.4 –

Average wage within the following categories4:

Lowest 25 percent ............................................... 2.4 2.2 – –

Second 25 percent ............................................... 1.9 2.0 0.9 –

Third 25 percent ................................................... 1.1 1.2 0.7 –

Highest 25 percent ............................................... 2.2 1.8 0.8 –

Highest 10 percent ........................................... 3.8 3.4 0.7 –

Establishment characteristic

Goods-producing industries ..................................... 1.2 1.1 0.7 –

Construction ......................................................... 2.8 2.7 – –

Manufacturing ...................................................... 1.6 1.3 0.9 –

Service-providing industries ..................................... 1.1 1.1 0.4 –

Trade, transportation, and utilities ....................... 1.6 1.6 0.6 –

Wholesale trade ............................................... 2.0 2.1 – –

Retail trade ...................................................... 1.9 1.9 – –

Information ........................................................... 4.0 2.9 – –

Financial activities ................................................ 2.0 1.8 0.8 –

Finance and insurance .................................... 1.3 0.9 1.0 –

See footnotes at end of table.
Table 15. Standard errors for medical care benefits: Plan type, private industry workers, National

Compensation Survey, 2013—continued

Characteristics

Fee-for-service plan

Total Traditional

Exclusive

provider

organization1

Preferred

provider

organization2

Point of

service plan3

Not

determinable

Credit intermediation and related activities .. 1.6 – – 1.9 – –

Insurance carriers and related activities ...... 2.4 0.6 – 4.4 – –

Professional and business services ..................... 3.2 0.9 – 3.2 – –

Education and health services ............................. 3.2 – 1.0 2.8 3.4 –

Educational services ........................................ 4.8 – – 4.6 1.3 –

Junior colleges, colleges, and universities ... 3.2 – – 4.6 1.8 –

Health care and social assistance ................... 3.6 – 1.2 3.1 4.0 –

1 to 99 workers ........................................................ 2.0 0.4 0.7 2.0 1.4 –

1 to 49 workers .................................................... 2.1 0.6 0.7 2.1 – –

50 to 99 workers .................................................. 4.0 – 1.7 4.1 – –

100 workers or more ................................................ 1.3 0.5 0.7 1.5 1.1 –

100 to 499 workers .............................................. 2.1 0.7 1.0 2.3 1.0 –

500 workers or more ............................................ 1.6 – 1.0 2.3 1.8 –

Geographic area

New England ........................................................... 6.2 – – 6.9 – –

Middle Atlantic ......................................................... 4.5 – 2.1 4.2 0.9 –

South Atlantic ........................................................... 1.6 – 0.8 2.8 – –

East South Central ................................................... – – – 5.4 – –

West South Central .................................................. 1.5 1.2 0.9 2.1 1.7 –

East North Central ................................................... 3.1 – 0.8 2.7 0.8 –

West North Central .................................................. 0.6 – – 4.6 – –

Mountain .................................................................. 1.5 – 0.6 2.8 1.3 –

Pacific ...................................................................... 2.2 – 1.0 2.2 – –

See footnotes at end of table.
Table 15. Standard errors for medical care benefits: Plan type, private

industry workers, National Compensation Survey, 2013—continued

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Credit intermediation and related activities .. 1.6 1.5 – –

Insurance carriers and related activities ...... 2.4 2.4 – –

Professional and business services ..................... 3.2 2.7 1.7 –

Education and health services ............................. 3.2 3.0 1.0 –

Educational services ........................................ 4.8 4.9 1.9 –

Junior colleges, colleges, and universities ... 3.2 3.0 1.5 –

Health care and social assistance ................... 3.6 3.4 – –

1 to 99 workers ........................................................ 2.0 1.8 0.7 –

1 to 49 workers .................................................... 2.1 1.9 0.7 –

50 to 99 workers .................................................. 4.0 3.7 – –

100 workers or more ................................................ 1.3 1.2 0.6 –

100 to 499 workers .............................................. 2.1 2.1 0.7 –

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

Geographic area

New England ........................................................... 6.2 6.2 – –

Middle Atlantic ......................................................... 4.5 4.4 1.3 –

South Atlantic ........................................................... 1.6 1.4 1.0 –

East South Central ................................................... – 1.5 – –

West South Central .................................................. 1.5 1.0 – –

East North Central ................................................... 3.1 3.2 0.4 –

West North Central .................................................. 0.6 1.2 – –

Mountain .................................................................. 1.5 1.9 – –

Pacific ...................................................................... 2.2 1.9 1.5 –

1 This type of plan obligates employees to use only the

plan’s providers in order to receive coverage. 2 This type of plan provides coverage through a

network of participating health care providers. Enrollees

may receive services outside the network, but generally at

a higher cost. The additional costs may be in the form of

higher deductibles, higher coinsurance rates, or both, or in

the form of nondiscounted charges from providers. 3 This type of plan provides services through a

network of participating health care providers. Services

received within the network or through select medical

facilities generally provide more generous benefits than

services received outside the network.

4 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the

National Compensation Survey publication, "Employer

Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that

data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 16. Medical care benefits: Plan characteristics, private industry workers, National Compensation Survey, 2013

(All workers participating in medical care plans = 100 percent)

Characteristics

Plan network Allow non-emergency services outside

network Use a primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristic

All workers ............................................................... 98 2 – 78 22 – 25 74 1

Management, professional, and related .................. 98 2 – 75 25 – 29 70 1

Management, business, and financial ................. 97 3 – 78 22 – 24 75 1

Professional and related ...................................... 99 – – 74 26 – 32 67 2

Service ..................................................................... 98 – – 76 24 – 27 73 1 ( )

Sales and office ....................................................... 97 3 – 81 19 – 21 78 1

Sales and related ................................................. 96 – – 80 20 – 16 83 1

Office and administrative support ........................ 98 – – 81 19 – 24 75 1

Natural resources, construction, and maintenance 99 – – 77 23 – 25 75 1

Installation, maintenance, and repair ................... 99 – – 78 22 – 25 74 1

Production, transportation, and material moving ..... 97 – – 79 21 – 22 78 1 ( )

Production ............................................................ 99 – – 83 17 – 15 84 1 ( )

Transportation and material moving .................... 95 – – 75 25 – 29 70 1 ( )

Full time ................................................................... 98 2 – 78 22 – 25 74 1

Part time .................................................................. 96 – – 81 19 – 20 80 1 ( )

Union ....................................................................... 96 – – 72 28 – 26 73 1

Nonunion ................................................................. 98 2 – 79 21 – 25 75 1

Average wage within the following categories2:

Lowest 25 percent ............................................... 97 – – 79 21 – 21 78 1

Second 25 percent ............................................... 98 – – 79 21 – 22 78 1

Third 25 percent ................................................... 99 1 – 79 21 – 26 73 1

Highest 25 percent ............................................... 97 3 – 76 24 – 27 72 1

Highest 10 percent ........................................... 97 3 – 75 25 – 28 72 1 ( )

Establishment characteristic

Goods-producing industries ..................................... 99 – – 80 20 – 18 81 1

Construction ......................................................... 97 – – 68 32 – 30 70 1 ( )

Manufacturing ...................................................... 99 – – 83 17 – 15 84 1

Service-providing industries ..................................... 98 2 – 77 23 – 27 72 1

Trade, transportation, and utilities ....................... 96 4 – 78 22 – 21 78 1

Wholesale trade ............................................... 98 – – 79 21 – 27 73 1 ( )

Retail trade ...................................................... 97 – – 81 19 – 16 83 2

Information ........................................................... 99 – – 74 26 – 35 65 –

Financial activities ................................................ 97 – – 79 21 – 23 77 1

Finance and insurance .................................... 96 4 – 80 20 – 19 81 1

See footnotes at end of table.
Table 16. Medical care benefits: Plan characteristics, private industry workers, National Compensation Survey,

2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Plan network Allow non-emergency services outside

network Use a primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Credit intermediation and related activities .. 98 – – 84 16 – 17 83 –

Insurance carriers and related activities ...... 98 2 – 76 24 – 22 76 2

Professional and business services ..................... 97 3 – 81 19 – 24 75 1

Education and health services ............................. 99 – – 73 27 – 33 65 1

Educational services ........................................ 99 – – 70 30 – 35 61 4

Junior colleges, colleges, and universities ... 99 – – 75 25 – 28 67 5

Health care and social assistance ................... 99 – – 74 26 – 33 66 1

1 to 99 workers ........................................................ 98 2 – 76 24 – 27 72 1

1 to 49 workers .................................................... 97 3 – 76 24 – 26 72 1

50 to 99 workers .................................................. 99 – – 75 25 – 28 72 1 ( )

100 workers or more ................................................ 98 2 – 79 21 – 23 76 1

100 to 499 workers .............................................. 98 2 – 81 19 – 21 79 1 ( )

500 workers or more ............................................ 98 – – 78 22 – 26 73 1

Geographic area

New England ........................................................... 99 – – 70 30 – 21 79 1 ( )

Middle Atlantic ......................................................... 97 – – 69 31 – 39 60 1

South Atlantic ........................................................... 99 – – 86 14 – 23 76 1 ( )

East South Central ................................................... 96 – – 84 16 – 13 87 –

West South Central .................................................. 96 4 – 85 15 – 15 85 1

East North Central ................................................... 99 – – 82 18 – 20 78 2

West North Central .................................................. 98 – – 86 14 – 18 82 1 ( )

Mountain .................................................................. 98 – – 77 23 – 22 78 –

Pacific ...................................................................... 98 – – 63 37 – 36 62 2

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no

data were reported or that data do not meet publication criteria. For definitions of major plans, key

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 16. Standard errors for medical care benefits: Plan characteristics, private industry workers, National Compensation

Survey, 2013

Characteristics

Plan network Allow non-emergency services outside

network Use a primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristic

All workers ............................................................... 0.3 0.3 – 1.0 1.0 – 1.2 1.2 0.2

Management, professional, and related .................. 0.4 0.4 – 1.8 1.8 – 2.5 2.5 0.5

Management, business, and financial ................. 0.4 0.4 – 1.8 1.8 – 2.2 2.3 0.3

Professional and related ...................................... 0.5 – – 2.5 2.5 – 3.4 3.5 0.8

Service ..................................................................... 1.2 – – 3.1 3.1 – 2.8 2.8 0.1

Sales and office ....................................................... 0.6 0.6 – 1.3 1.3 – 1.4 1.4 0.2

Sales and related ................................................. 1.3 – – 2.5 2.5 – 2.0 2.0 0.4

Office and administrative support ........................ 0.6 – – 1.5 1.5 – 2.1 2.0 0.3

Natural resources, construction, and maintenance 0.6 – – 3.6 3.6 – 3.0 2.9 0.4

Installation, maintenance, and repair ................... 0.4 – – 2.9 2.9 – 3.1 3.0 0.6

Production, transportation, and material moving ..... 1.1 – – 1.6 1.6 – 1.6 1.5 0.2

Production ............................................................ 0.4 – – 2.2 2.2 – 2.1 2.1 0.2

Transportation and material moving .................... 2.2 – – 3.5 3.5 – 3.6 3.6 0.4

Full time ................................................................... 0.3 0.3 – 1.0 1.0 – 1.2 1.2 0.2

Part time .................................................................. 1.6 – – 3.1 3.1 – 3.0 3.0 0.2

Union ....................................................................... 1.6 – – 3.8 3.8 – 3.9 3.7 0.6

Nonunion ................................................................. 0.3 0.3 – 1.1 1.1 – 1.1 1.2 0.2

Average wage within the following categories1:

Lowest 25 percent ............................................... 1.5 – – 2.5 2.5 – 2.5 2.4 0.4

Second 25 percent ............................................... 0.7 – – 2.0 2.0 – 1.9 1.9 0.2

Third 25 percent ................................................... 0.3 0.3 – 1.2 1.2 – 1.7 1.7 0.4

Highest 25 percent ............................................... 0.6 0.6 – 2.0 2.0 – 2.1 2.1 0.3

Highest 10 percent ........................................... 0.9 0.9 – 3.3 3.3 – 3.5 3.5 0.2

Establishment characteristic

Goods-producing industries ..................................... 0.5 – – 1.7 1.7 – 1.8 1.7 0.3

Construction ......................................................... 1.5 – – 5.1 5.1 – 3.7 3.7 0.1

Manufacturing ...................................................... 0.5 – – 1.7 1.7 – 1.9 1.8 0.4

Service-providing industries ..................................... 0.4 0.4 – 1.2 1.2 – 1.4 1.4 0.2

Trade, transportation, and utilities ....................... 1.0 1.0 – 2.0 2.0 – 1.8 1.8 0.4

Wholesale trade ............................................... 0.8 – – 2.1 2.1 – 2.7 2.7 0.1

Retail trade ...................................................... 1.3 – – 2.6 2.6 – 2.0 2.0 0.8

Information ........................................................... 0.6 – – 3.6 3.6 – 4.3 4.3 –

Financial activities ................................................ 0.9 – – 1.9 1.9 – 2.2 2.2 0.5

Finance and insurance .................................... 1.0 1.0 – 2.0 2.0 – 1.8 1.9 0.7

See footnotes at end of table.
Table 16. Standard errors for medical care benefits: Plan characteristics, private industry workers, National Compensation

Survey, 2013—continued

Characteristics

Plan network Allow non-emergency services outside

network Use a primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Credit intermediation and related activities .. 0.5 – – 2.1 2.1 – 2.4 2.4 –

Insurance carriers and related activities ...... 0.6 0.6 – 4.3 4.3 – 3.5 3.7 1.8

Professional and business services ..................... 0.9 0.9 – 3.2 3.2 – 2.8 3.3 1.0

Education and health services ............................. 0.4 – – 3.2 3.2 – 4.2 4.2 0.4

Educational services ........................................ 0.4 – – 4.8 4.8 – 3.7 4.7 2.5

Junior colleges, colleges, and universities ... 0.6 – – 4.4 4.4 – 3.9 4.5 2.8

Health care and social assistance ................... 0.4 – – 3.7 3.7 – 4.9 4.9 0.1

1 to 99 workers ........................................................ 0.4 0.4 – 1.7 1.7 – 1.9 1.9 0.4

1 to 49 workers .................................................... 0.6 0.6 – 2.1 2.1 – 2.2 2.2 0.5

50 to 99 workers .................................................. 0.3 – – 3.8 3.8 – 4.1 4.1 0.1

100 workers or more ................................................ 0.5 0.5 – 1.5 1.5 – 1.5 1.5 0.2

100 to 499 workers .............................................. 0.7 0.7 – 2.3 2.3 – 2.3 2.3 0.2

500 workers or more ............................................ 0.7 – – 1.8 1.8 – 2.1 2.1 0.3

Geographic area

New England ........................................................... 0.6 – – 6.9 6.9 – 3.6 3.7 0.1

Middle Atlantic ......................................................... 1.0 – – 4.1 4.1 – 3.4 3.3 0.6

South Atlantic ........................................................... 0.7 – – 1.5 1.5 – 2.8 2.7 0.2

East South Central ................................................... 3.5 – – 4.2 4.2 – 3.4 3.4 –

West South Central .................................................. 1.2 1.2 – 1.2 1.2 – 1.2 1.0 0.4

East North Central ................................................... 0.3 – – 3.2 3.2 – 3.3 3.1 0.4

West North Central .................................................. 1.5 – – 3.3 3.3 – 1.9 1.9 0.1

Mountain .................................................................. 0.7 – – 2.0 2.0 – 2.8 2.8 –

Pacific ...................................................................... 0.9 – – 2.1 2.1 – 2.2 2.7 1.0

1 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 17. Medical care benefits: Eligibility requirements, private industry workers, National Compensation Survey, 2013

(All workers participating in medical care plans = 100 percent)

Characteristics Total With service

requirement

Service requirement

With no service

requirement

Not

determinable 1 month 2 months 3 months Greater than

3 months

Not

determinable

Median

service

requirement

(in months)

Worker characteristic

All workers ............................................................... 100 62 27 5 20 9 1 2 24 14

Management, professional, and related .................. 100 57 36 4 15 2 1 1 31 12

Management, business, and financial ................. 100 50 31 6 10 2 1 ( ) 1 40 11

Professional and related ...................................... 100 62 39 3 17 – – 1 26 12

Service ..................................................................... 100 74 23 – 27 14 – 3 11 15

Sales and office ....................................................... 100 64 25 5 21 12 1 3 23 13

Sales and related ................................................. 100 75 20 – 26 24 – 3 13 12

Office and administrative support ........................ 100 59 28 5 19 7 1 ( ) 2 27 14

Natural resources, construction, and maintenance 100 66 22 5 24 12 1 3 18 16

Installation, maintenance, and repair ................... 100 61 22 5 23 8 2 3 21 18

Production, transportation, and material moving ..... 100 62 18 7 24 13 1 ( ) 3 20 18

Production ............................................................ 100 –––– – – – – –

Transportation and material moving .................... 100 69 16 – 26 20 – 3 18 12

Full time ................................................................... 100 61 27 5 21 7 1 2 25 14

Part time .................................................................. 100 81 27 – 15 34 – 3 9 10

Union ....................................................................... 100 63 14 5 21 23 1 3 24 13

Nonunion ................................................................. 100 62 29 5 20 7 1 2 24 14

Average wage within the following categories2:

Lowest 25 percent ............................................... 100 74 13 – 29 23 – 3 11 15

Second 25 percent ............................................... 100 70 29 5 24 12 1 ( ) 3 15 15

Third 25 percent ................................................... 100 59 26 5 21 7 1 2 25 16

Highest 25 percent ............................................... 100 56 31 5 14 5 1 1 33 11

Highest 10 percent ........................................... 100 53 32 4 – – 1 1 36 12

Establishment characteristic

Goods-producing industries ..................................... 100 –––– – – – – –

Construction ......................................................... 100 70 17 10 26 – – 3 14 16

Manufacturing ...................................................... 100 52 24 7 15 – – – 29 19

Service-providing industries ..................................... 100 65 29 5 21 9 1 2 23 12

Trade, transportation, and utilities ....................... 100 69 13 4 29 22 1 3 17 14

Wholesale trade ............................................... 100 66 21 – 31 – 1 3 21 13

Retail trade ...................................................... 100 77 9 – 32 33 – 3 7 16

Information ........................................................... 100 49 23 – 17 – 1 – 40 11

Financial activities ................................................ 100 57 39 – 11 – 2 1 30 14

Finance and insurance .................................... 100 51 42 2 6 – – 1 34 15

See footnotes at end of table.
Table 17. Medical care benefits: Eligibility requirements, private industry workers, National Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics Total With service

requirement

Service requirement

With no service

requirement

Not

determinable 1 month 2 months 3 months Greater than

3 months

Not

determinable

Median

service

requirement

(in months)

Credit intermediation and related activities .. 100 59 49 – – – 1 1 25 17

Insurance carriers and related activities ...... 100 43 36 – – – – 1 43 14

Professional and business services ..................... 100 62 40 – 11 – 1 1 32 7

Education and health services ............................. 100 65 40 4 20 – – 1 19 16

Educational services ........................................ 100 46 36 – – – – 1 42 12

Junior colleges, colleges, and universities ... 100 33 26 – – – – 1 49 18

Health care and social assistance ................... 100 68 40 4 22 – – 1 15 17

1 to 99 workers ........................................................ 100 66 30 6 22 8 1 2 18 16

1 to 49 workers .................................................... 100 66 30 6 21 7 2 – 16 18

50 to 99 workers .................................................. 100 67 28 – 23 9 – – 21 12

100 workers or more ................................................ 100 60 25 5 19 10 1 ( ) – 28 12

100 to 499 workers .............................................. 100 65 23 5 23 13 1 ( ) 3 22 13

500 workers or more ............................................ 100 53 27 5 15 7 1 ( ) – 36 11

Geographic area

New England ........................................................... 100 –––– – – – – –

Middle Atlantic ......................................................... 100 60 21 3 25 11 1 ( ) 3 26 13

South Atlantic ........................................................... 100 64 21 – 25 9 – 3 23 12

East South Central ................................................... 100 61 25 – 25 10 – 3 26 13

West South Central .................................................. 100 67 26 – 23 – 1 – 22 11

East North Central ................................................... 100 67 37 6 16 – – 1 21 13

West North Central .................................................. 100 65 40 – 14 8 – 1 20 16

Mountain .................................................................. 100 66 27 – 25 9 – – 19 15

Pacific ...................................................................... 100 56 24 – 14 11 – – 28 16

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The categories

were formed using percentile estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were

reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 17. Standard errors for medical care benefits: Eligibility requirements, private industry workers, National Compensation Survey,

2013

Characteristics With service

requirement

Service requirement

With no service

requirement

Not

determinable 1 month 2 months 3 months Greater than

3 months

Not

determinable

Median

service

requirement

(in months)

Worker characteristic

All workers ............................................................... 1.4 1.4 0.7 1.2 0.9 0.2 0.0 1.3 1.0

Management, professional, and related .................. 2.3 2.7 0.7 2.5 0.5 0.3 0.0 2.2 1.3

Management, business, and financial ................. 3.2 3.4 1.5 1.5 0.5 0.2 0.0 3.4 1.4

Professional and related ...................................... 2.6 3.6 0.6 3.8 – – 0.0 2.4 1.7

Service ..................................................................... 3.4 3.4 – 3.3 3.3 – 0.0 2.1 2.8

Sales and office ....................................................... 1.9 1.8 1.0 1.4 1.3 0.3 0.2 2.2 1.4

Sales and related ................................................. 2.6 4.2 – 2.2 2.5 – 0.0 2.2 1.6

Office and administrative support ........................ 2.5 2.0 1.0 1.8 1.0 0.3 0.3 2.9 2.1

Natural resources, construction, and maintenance 3.5 3.4 1.2 3.7 3.0 0.7 0.2 2.3 3.0

Installation, maintenance, and repair ................... 3.3 3.4 1.2 4.1 2.1 1.3 0.7 2.5 3.3

Production, transportation, and material moving ..... 3.2 1.8 1.5 2.7 2.3 0.2 0.0 2.2 2.0

Production ............................................................ –––– – – – – –

Transportation and material moving .................... 4.2 2.3 – 3.7 4.0 – 0.0 3.4 2.7

Full time ................................................................... 1.4 1.4 0.7 1.2 0.7 0.1 0.0 1.3 1.0

Part time .................................................................. 3.1 5.8 – 3.0 5.4 – 0.3 1.9 2.8

Union ....................................................................... 3.6 1.7 1.3 4.6 4.3 0.4 0.0 2.8 2.4

Nonunion ................................................................. 1.5 1.5 0.8 1.3 0.8 0.2 0.0 1.4 1.2

Average wage within the following categories1:

Lowest 25 percent ............................................... 3.5 2.4 – 3.2 4.2 – 0.0 2.3 2.8

Second 25 percent ............................................... 2.4 2.8 0.8 2.0 1.4 0.2 0.7 2.5 1.8

Third 25 percent ................................................... 2.1 1.9 0.9 1.6 0.9 0.3 0.4 1.7 1.3

Highest 25 percent ............................................... 2.5 2.4 0.8 2.1 1.3 0.3 0.0 2.2 1.2

Highest 10 percent ........................................... 4.2 4.2 1.1 – – 0.5 0.0 3.7 1.8

Establishment characteristic

Goods-producing industries ..................................... –––– – – – – –

Construction ......................................................... 5.4 4.0 2.2 4.9 – – 0.0 4.1 2.7

Manufacturing ...................................................... 4.4 2.9 1.7 2.3 – – – 2.9 3.0

Service-providing industries ..................................... 1.5 1.6 0.8 1.5 1.0 0.2 0.4 1.5 1.1

Trade, transportation, and utilities ....................... 2.3 1.2 0.7 2.5 2.1 0.3 0.0 1.6 1.3

Wholesale trade ............................................... 3.3 2.6 – 4.8 – 0.8 0.0 2.9 2.8

Retail trade ...................................................... 2.9 2.5 – 2.7 3.1 – 0.0 1.9 2.2

Information ........................................................... 6.2 3.2 – 4.0 – 0.5 – 6.0 1.9

Financial activities ................................................ 3.4 3.1 – 2.1 – 1.1 0.0 3.0 1.8

Finance and insurance .................................... 3.2 3.1 0.6 1.2 – – 0.0 3.0 1.9

See footnotes at end of table.
Table 17. Standard errors for medical care benefits: Eligibility requirements, private industry workers, National Compensation Survey,

2013—continued

Characteristics With service

requirement

Service requirement

With no service

requirement

Not

determinable 1 month 2 months 3 months Greater than

3 months

Not

determinable

Median

service

requirement

(in months)

Credit intermediation and related activities .. 4.4 3.8 – – – 0.7 0.0 3.2 3.9

Insurance carriers and related activities ...... 4.6 4.6 – – – – 0.0 5.1 4.7

Professional and business services ..................... 4.7 4.6 – 2.6 – 0.8 0.0 4.5 1.8

Education and health services ............................. 2.9 4.4 0.9 4.0 – – 0.0 3.3 3.1

Educational services ........................................ 6.7 5.4 – – – – 0.0 5.0 3.5

Junior colleges, colleges, and universities ... 6.3 4.9 – – – – 0.0 5.5 5.7

Health care and social assistance ................... 3.1 5.2 1.0 4.5 – – 0.0 4.1 3.7

1 to 99 workers ........................................................ 1.9 2.4 1.1 1.7 1.2 0.3 0.0 1.8 1.6

1 to 49 workers .................................................... 2.1 2.9 1.4 2.0 1.7 0.5 – 1.5 1.9

50 to 99 workers .................................................. 4.1 4.3 – 4.0 2.3 – – 4.1 2.3

100 workers or more ................................................ 2.1 1.9 0.7 1.6 1.0 0.1 – 1.9 1.0

100 to 499 workers .............................................. 2.6 2.6 1.0 2.4 1.6 0.2 0.0 2.3 1.4

500 workers or more ............................................ 2.9 2.7 1.0 1.6 1.6 0.1 – 2.7 1.7

Geographic area

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

Middle Atlantic ......................................................... 3.6 2.1 0.5 4.2 3.0 0.1 0.0 3.1 1.2

South Atlantic ........................................................... 2.4 2.9 – 3.2 1.2 – 0.5 3.6 2.8

East South Central ................................................... 6.3 3.6 – 2.9 2.6 – 0.0 1.6 4.8

West South Central .................................................. 6.0 4.9 – 4.6 – 1.0 – 4.4 2.3

East North Central ................................................... 4.5 4.0 1.4 3.1 – – 0.2 3.1 2.6

West North Central .................................................. 2.4 4.7 – 3.5 1.9 – 0.0 2.0 2.0

Mountain .................................................................. 4.8 6.6 – 4.0 1.3 – – 2.9 4.8

Pacific ...................................................................... 3.7 3.1 – 1.9 3.0 – – 4.4 2.5

1 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 18. Medical care benefits: Coverage for selected services,1

 private industry

workers, National Compensation Survey, 2013

(All workers participating in medical care plans = 100 percent)

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Worker characteristic

All workers ............................................................... 97 91 91 99

Management, professional, and related .................. 94 88 88 100

Management, business, and financial ................. 97 92 92 100

Professional and related ...................................... 93 86 86 100

Service ..................................................................... 98 95 95 98

Sales and office ....................................................... 98 92 92 99

Sales and related ................................................. 98 94 94 99

Office and administrative support ........................ 98 91 90 99

Natural resources, construction, and maintenance 96 94 94 100

Installation, maintenance, and repair ................... 96 92 92 100

Production, transportation, and material moving ..... 98 91 91 98

Production ............................................................ 97 92 92 100

Transportation and material moving .................... 99 89 89 96

Full time ................................................................... 96 91 91 99

Part time .................................................................. 99 86 86 96

Union ....................................................................... 98 97 97 98

Nonunion ................................................................. 96 90 90 99

Average wage within the following categories2:

Lowest 25 percent ............................................... 98 89 90 97

Second 25 percent ............................................... 97 89 90 99

Third 25 percent ................................................... 96 92 92 100

Highest 25 percent ............................................... 96 91 91 100

Highest 10 percent ........................................... 96 90 90 100

Establishment characteristic

Goods-producing industries ..................................... 96 93 93 100

Construction ......................................................... 93 92 92 100

Manufacturing ...................................................... 97 93 93 100

Service-providing industries ..................................... 97 90 90 99

Trade, transportation, and utilities ....................... 99 92 92 98

Wholesale trade ............................................... 99 90 88 97

Retail trade ...................................................... 98 94 94 98

Information ........................................................... 98 97 97 100

Financial activities ................................................ 95 93 93 100

Finance and insurance .................................... 94 94 94 100

See footnotes at end of table.
Table 18. Medical care benefits: Coverage for selected services,1

 private industry

workers, National Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Credit intermediation and related activities .. 92 91 91 100

Insurance carriers and related activities ...... 95 97 97 100

Professional and business services ..................... 98 89 89 100

Education and health services ............................. 93 87 88 99

Educational services ........................................ 93 94 94 100

Junior colleges, colleges, and universities ... 98 99 98 100

Health care and social assistance ................... 94 85 87 98

1 to 99 workers ........................................................ 96 89 89 99

1 to 49 workers .................................................... 95 88 87 100

50 to 99 workers .................................................. 99 92 92 99

100 workers or more ................................................ 97 92 93 99

100 to 499 workers .............................................. 96 90 90 99

500 workers or more ............................................ 99 96 96 100

Geographic area

New England ........................................................... 90 87 87 100

Middle Atlantic ......................................................... 97 96 96 99

South Atlantic ........................................................... 98 86 87 98

East South Central ................................................... 98 93 92 100

West South Central .................................................. 99 94 94 100

East North Central ................................................... 93 86 85 100

West North Central .................................................. 96 81 81 97

Mountain .................................................................. 100 99 98 100

Pacific ...................................................................... 99 97 97 100

1 The remaining workers include both workers not

receiving the benefit and workers for whom the availability of

the benefit could not be determined. 2 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2013."
Table 18. Standard errors for medical care benefits: Coverage for selected

services,1

 private industry workers, National Compensation Survey, 2013

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Worker characteristic

All workers ............................................................... 0.5 0.9 0.9 0.2

Management, professional, and related .................. 1.3 1.9 1.9 0.1

Management, business, and financial ................. 0.8 1.1 1.1 2 ( )

Professional and related ...................................... 2.1 2.8 2.8 0.1

Service ..................................................................... 0.9 1.6 1.5 0.6

Sales and office ....................................................... 0.5 1.2 1.2 0.4

Sales and related ................................................. 0.6 1.7 1.7 0.7

Office and administrative support ........................ 0.5 1.6 1.7 0.3

Natural resources, construction, and maintenance 1.0 1.1 1.1 0.1

Installation, maintenance, and repair ................... 1.4 1.8 1.8 2 ( )

Production, transportation, and material moving ..... 0.6 1.2 1.1 0.8

Production ............................................................ 0.9 1.4 1.4 2 ( )

Transportation and material moving .................... 0.6 2.5 2.2 1.6

Full time ................................................................... 0.6 0.9 0.8 0.2

Part time .................................................................. 0.3 6.3 6.2 1.9

Union ....................................................................... 0.7 0.8 0.9 0.9

Nonunion ................................................................. 0.6 1.1 1.0 0.3

Average wage within the following categories3:

Lowest 25 percent ............................................... 0.8 2.6 2.5 1.4

Second 25 percent ............................................... 1.4 1.9 1.9 0.5

Third 25 percent ................................................... 1.0 1.1 1.1 0.1

Highest 25 percent ............................................... 1.0 1.4 1.4 0.1

Highest 10 percent ........................................... 1.3 2.2 2.2 2 ( )

Establishment characteristic

Goods-producing industries ..................................... 0.8 1.0 1.0 2 ( )

Construction ......................................................... 2.3 2.2 2.2 2 ( )

Manufacturing ...................................................... 0.8 1.2 1.2 2 ( )

Service-providing industries ..................................... 0.6 1.2 1.1 0.3

Trade, transportation, and utilities ....................... 0.5 1.3 1.3 0.7

Wholesale trade ............................................... 0.8 2.3 2.1 2.0

Retail trade ...................................................... 0.8 1.2 1.2 1.2

Information ........................................................... 1.6 1.8 1.8 2 ( )

Financial activities ................................................ 1.0 1.1 1.1 2 ( )

Finance and insurance .................................... 1.2 1.1 1.1 2 ( )

See footnotes at end of table.
Table 18. Standard errors for medical care benefits: Coverage for selected

services,1

 private industry workers, National Compensation Survey,

2013—continued

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Credit intermediation and related activities .. 1.9 1.7 1.7 2 ( )

Insurance carriers and related activities ...... 2.4 1.5 1.5 0.1

Professional and business services ..................... 1.1 2.3 2.3 2 ( )

Education and health services ............................. 2.2 3.4 3.3 0.9

Educational services ........................................ 1.4 2.6 2.6 2 ( )

Junior colleges, colleges, and universities ... 1.0 0.9 0.9 2 ( )

Health care and social assistance ................... 2.6 4.0 3.9 1.0

1 to 99 workers ........................................................ 0.8 1.6 1.6 0.3

1 to 49 workers .................................................... 1.1 1.7 1.7 0.3

50 to 99 workers .................................................. 0.6 3.2 3.2 0.4

100 workers or more ................................................ 0.7 1.1 1.0 0.4

100 to 499 workers .............................................. 1.3 1.9 1.8 0.7

500 workers or more ............................................ 0.5 0.9 0.9 0.3

Geographic area

New England ........................................................... 5.5 5.6 5.6 2 ( )

Middle Atlantic ......................................................... 0.6 0.8 0.9 0.1

South Atlantic ........................................................... 0.7 2.0 1.9 1.1

East South Central ................................................... 1.4 1.0 1.0 0.1

West South Central .................................................. 0.6 1.5 1.5 0.2

East North Central ................................................... 1.8 3.3 3.1 0.3

West North Central .................................................. 2.4 5.1 5.1 1.9

Mountain .................................................................. 0.1 0.7 0.3 2 ( )

Pacific ...................................................................... 0.8 1.1 1.1 0.1

1 The remaining workers include both workers not

receiving the benefit and workers for whom the availability of

the benefit could not be determined. 2 Less than 0.05. 3 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2013."
Table 19. Medical care benefits: Median copayment per visit for selected services by type of plan, private industry workers,

National Compensation Survey, 2013

(Includes all workers participating in plans with specified copayments)

Characteristics

Hospital room and board Physician office visit Outpatient surgery

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

Worker characteristic

All workers ............................................................... $250 $200 $250 $20 $25 $20 $45 $40 –

Management, professional, and related .................. 250 200 250 20 25 20 – – –

Management, business, and financial ................. 200 150 250 20 25 20 100 100 –

Professional and related ...................................... 250 200 250 20 25 20 – – –

Service ..................................................................... 250 250 300 20 20 20 – 20 –

Sales and office ....................................................... 250 250 250 20 25 20 30 30 –

Sales and related ................................................. 250 250 250 25 25 20 25 25 –

Office and administrative support ........................ 250 250 250 20 – 20 – 30 –

Natural resources, construction, and maintenance 250 250 – 25 25 – 40 – –

Installation, maintenance, and repair ................... 250 250 – 20 20 20 – – –

Production, transportation, and material moving ..... 250 250 250 25 25 20 40 – $25

Production ............................................................ 250 200 250 25 25 25 – – –

Transportation and material moving .................... 250 250 250 20 20 20 35 – 30

Full time ................................................................... 250 200 250 20 25 20 45 40 –

Part time .................................................................. 250 – 500 20 20 25 75 – –

Union ....................................................................... 250 250 – 20 20 – 20 20 25

Nonunion ................................................................. 250 200 – 25 25 20 50 45 –

Average wage within the following categories1:

Lowest 25 percent ............................................... 250 250 – 25 25 – – – –

Second 25 percent ............................................... 250 250 250 25 25 20 – 30 –

Third 25 percent ................................................... 250 200 250 25 25 20 40 40 –

Highest 25 percent ............................................... 250 200 250 20 20 20 – – –

Highest 10 percent ........................................... 250 – 250 20 – 20 50 – –

Establishment characteristic

Goods-producing industries ..................................... 250 200 250 25 25 25 – 100 –

Construction ......................................................... 250 – – 25 20 25 – 75 40

Manufacturing ...................................................... 250 – 250 25 25 20 – 100 –

Service-providing industries ..................................... 250 200 250 20 25 20 40 35 –

Trade, transportation, and utilities ....................... 250 250 – 20 20 20 40 40 –

Wholesale trade ............................................... 250 250 – – 20 25 – – –

Retail trade ...................................................... 250 200 500 25 25 20 – 35 –

Information ........................................................... 150 150 – – 20 15 20 20 15

Financial activities ................................................ 250 250 250 25 25 20 50 50 –

Finance and insurance .................................... 250 250 250 25 25 20 50 50 100

See footnotes at end of table.
Table 19. Medical care benefits: Median copayment per visit for selected services by type of plan, private industry workers,

National Compensation Survey, 2013—continued

(Includes all workers participating in plans with specified copayments)

Characteristics

Hospital room and board Physician office visit Outpatient surgery

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

Credit intermediation and related activities .. $250 $250 $250 $25 $25 $25 – – $100

Insurance carriers and related activities ...... 250 250 250 – 25 20 $50 $50 –

Professional and business services ..................... – 100 – 25 25 20 – – –

Education and health services ............................. 250 200 – 20 20 20 – – –

Educational services ........................................ 250 250 300 20 20 20 75 – 100

Junior colleges, colleges, and universities ... 250 – 300 20 20 20 – 20 –

Health care and social assistance ................... 250 200 – 20 20 20 – – –

1 to 99 workers ........................................................ 250 200 250 25 25 – – 50 –

1 to 49 workers .................................................... 250 200 250 25 25 25 – – –

50 to 99 workers .................................................. 250 – 250 25 25 20 – – –

100 workers or more ................................................ 250 200 250 20 20 20 30 35 –

100 to 499 workers .............................................. 250 200 – 20 25 20 – 30 –

500 workers or more ............................................ 250 250 250 20 20 20 – – 25

Geographic area

New England ........................................................... 250 – – 20 20 25 100 – –

Middle Atlantic ......................................................... 250 250 250 20 20 20 – – –

South Atlantic ........................................................... 250 200 250 20 – 20 – – –

East South Central ................................................... 250 250 – 25 25 20 40 40 –

West South Central .................................................. 200 200 – 25 25 20 40 – –

East North Central ................................................... – – – 20 20 20 100 100 100

West North Central .................................................. – – 250 25 25 – 100 – –

Mountain .................................................................. 250 250 – 25 25 20 20 20 –

Pacific ...................................................................... 250 200 250 20 25 20 – – –

1 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 19. Standard errors for medical care benefits: Median copayment per visit for selected services by type of plan, private

industry workers, National Compensation Survey, 2013

Characteristics

Hospital room and board Physician office visit Outpatient surgery

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

Worker characteristic

All workers ............................................................... $0 $29 $0 $1 $3 $0 $9 $6 –

Management, professional, and related .................. 59 57 9 2 3 0 – – –

Management, business, and financial ................. 59 0 0 0 6 0 23 11 –

Professional and related ...................................... 34 0 59 6 4 1 – – –

Service ..................................................................... 0 0 90 0 1 5 – 3 –

Sales and office ....................................................... 0 0 0 3 5 0 4 8 –

Sales and related ................................................. 0 9 13 4 0 1 7 7 –

Office and administrative support ........................ 0 20 13 1 – 0 – 7 –

Natural resources, construction, and maintenance 0 59 – 7 6 – 12 – –

Installation, maintenance, and repair ................... 0 22 – 1 2 2 – – –

Production, transportation, and material moving ..... 0 22 0 3 1 1 4 – $7

Production ............................................................ 13 16 0 0 0 6 – – –

Transportation and material moving .................... 0 0 9 1 5 2 10 – 6

Full time ................................................................... 0 39 0 1 2 0 9 6 –

Part time .................................................................. 52 – 55 6 6 6 22 – –

Union ....................................................................... 0 0 – 0 0 – 4 0 4

Nonunion ................................................................. 0 0 – 2 0 0 13 10 –

Average wage within the following categories1:

Lowest 25 percent ............................................... 0 53 – 3 1 – – – –

Second 25 percent ............................................... 18 67 13 6 2 0 – 6 –

Third 25 percent ................................................... 0 37 0 2 0 1 5 6 –

Highest 25 percent ............................................... 16 47 0 0 1 0 – – –

Highest 10 percent ........................................... 0 – 0 1 – 0 14 – –

Establishment characteristic

Goods-producing industries ..................................... 20 21 0 6 6 6 – 0 –

Construction ......................................................... 71 – – 6 5 6 – 11 0

Manufacturing ...................................................... 0 – 0 3 2 4 – 0 –

Service-providing industries ..................................... 0 59 0 0 4 0 7 6 –

Trade, transportation, and utilities ....................... 0 0 – 2 4 4 4 3 –

Wholesale trade ............................................... 27 0 – – 0 0 – – –

Retail trade ...................................................... 0 0 32 6 4 2 – 6 –

Information ........................................................... 0 33 – – 5 0 6 5 4

Financial activities ................................................ 0 0 0 0 0 0 0 3 –

Finance and insurance .................................... 0 0 0 2 1 3 14 3 0

See footnotes at end of table.
Table 19. Standard errors for medical care benefits: Median copayment per visit for selected services by type of plan, private

industry workers, National Compensation Survey, 2013—continued

Characteristics

Hospital room and board Physician office visit Outpatient surgery

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

Credit intermediation and related activities .. $0 $0 $0 $0 $0 $2 – – $21

Insurance carriers and related activities ...... 0 0 0 – 6 2 $0 $3 –

Professional and business services ..................... – 0 – 3 0 0 – – –

Education and health services ............................. 29 9 – 0 4 0 – – –

Educational services ........................................ 34 33 16 0 2 0 8 – 29

Junior colleges, colleges, and universities ... 71 – 0 0 0 0 – 5 –

Health care and social assistance ................... 59 0 – 2 5 0 – – –

1 to 99 workers ........................................................ 0 26 9 0 0 – – 8 –

1 to 49 workers .................................................... 0 18 0 0 0 5 – – –

50 to 99 workers .................................................. 9 – 58 2 0 3 – – –

100 workers or more ................................................ 0 58 0 0 0 0 6 8 –

100 to 499 workers .............................................. 52 50 – 4 4 0 – 7 –

500 workers or more ............................................ 0 0 0 0 0 2 – – 4

Geographic area

New England ........................................................... 32 – – 5 3 6 10 – –

Middle Atlantic ......................................................... 0 0 9 0 0 2 – – –

South Atlantic ........................................................... 29 54 55 4 – 1 – – –

East South Central ................................................... 0 0 – 0 0 4 10 9 –

West South Central .................................................. 38 39 – 0 1 0 3 – –

East North Central ................................................... – – – 2 6 0 0 19 0

West North Central .................................................. – – 0 0 0 – 18 – –

Mountain .................................................................. 0 0 – 7 7 4 0 0 –

Pacific ...................................................................... 0 46 73 0 5 0 – – –

1 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 20. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey, 2013

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristic

All workers ............................................................... 96 4 1 ( ) 81 19 – 90 10 1 ( )

Management, professional, and related .................. 96 4 – 82 18 – 88 12 1 ( )

Management, business, and financial ................. 97 3 – 85 15 – 92 8 1 ( )

Professional and related ...................................... 95 5 – 80 20 – 86 14 1 ( )

Service ..................................................................... 96 4 – 76 24 – 79 18 2

Sales and office ....................................................... 97 3 1 ( ) 86 14 – 93 7 1 ( )

Sales and related ................................................. 96 4 1 ( ) 91 9 – 98 – –

Office and administrative support ........................ 97 3 1 ( ) 83 17 – 90 10 1 ( )

Natural resources, construction, and maintenance 95 5 – 81 19 – 90 9 1

Installation, maintenance, and repair ................... 94 – – 78 22 – 87 13 –

Production, transportation, and material moving ..... 95 5 – 77 23 – 92 8 1

Production ............................................................ 93 7 – 76 24 – 92 7 1

Transportation and material moving .................... 98 – – 77 23 – 92 8 –

Full time ................................................................... 96 4 1 ( ) 81 19 – 90 10 1 ( )

Part time .................................................................. 98 – – 86 14 – 88 – –

Union ....................................................................... 90 10 – 69 31 – 79 20 1

Nonunion ................................................................. 97 3 1 ( ) 83 17 – 91 8 1 ( )

Average wage within the following categories2:

Lowest 25 percent ............................................... 98 – – 90 10 – 94 – –

Second 25 percent ............................................... 97 3 1 ( ) 81 19 – 91 9 –

Third 25 percent ................................................... 95 5 – 80 20 – 90 10 1 ( )

Highest 25 percent ............................................... 94 6 – 80 20 – 87 12 1 ( )

Highest 10 percent ........................................... 94 6 – 82 18 – 87 12 1 ( )

Establishment characteristic

Goods-producing industries ..................................... 93 7 – 78 22 – 90 9 1

Construction ......................................................... 95 – – 74 26 – 88 10 2

Manufacturing ...................................................... 92 8 – 79 21 – 90 9 1

Service-providing industries ..................................... 97 3 1 ( ) 82 18 – 89 10 1 ( )

Trade, transportation, and utilities ....................... 97 3 1 ( ) 87 13 – 96 4 –

Wholesale trade ............................................... 94 – – 82 18 – 98 – –

Retail trade ...................................................... 99 – – 95 5 – 99 – –

Information ........................................................... 91 – – 86 – – 89 – –

Financial activities ................................................ 97 – – 82 18 – 89 11 –

Finance and insurance .................................... 97 – – 79 21 – 88 12 –

See footnotes at end of table.
Table 20. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey,

2013—continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Credit intermediation and related activities .. 99 – – 84 16 – 92 – –

Insurance carriers and related activities ...... 93 – – 77 23 – 87 – –

Professional and business services ..................... 98 – – 86 14 – 92 – –

Education and health services ............................. 96 4 – 78 22 – 83 17 –

Educational services ........................................ 92 – – 68 32 – 79 21 –

Junior colleges, colleges, and universities ... 89 – – 71 29 – 83 17 –

Health care and social assistance ................... 97 3 – 80 20 – 84 16 –

1 to 99 workers ........................................................ 96 4 1 ( ) 81 19 – 91 8 1

1 to 49 workers .................................................... 96 4 1 ( ) 80 20 – 90 9 1

50 to 99 workers .................................................. 96 – – 81 19 – 95 5 –

100 workers or more ................................................ 96 4 – 82 18 – 88 12 1 ( )

100 to 499 workers .............................................. 97 3 – 85 15 – 92 8 1 ( )

500 workers or more ............................................ 94 6 – 79 21 – 84 16 1 ( )

Geographic area

New England ........................................................... 98 – – 79 21 – 82 18 –

Middle Atlantic ......................................................... 92 8 – 64 36 – 73 27 –

South Atlantic ........................................................... 97 3 – 83 17 – 92 – –

East South Central ................................................... 99 – – 72 28 – 93 – –

West South Central .................................................. 98 – – 90 10 – 96 3 1

East North Central ................................................... 97 3 – 83 17 – 91 8 1

West North Central .................................................. 95 5 – 85 15 – 95 – –

Mountain .................................................................. 97 3 1 ( ) 88 12 – 91 – –

Pacific ...................................................................... 94 6 1 ( ) 86 14 – 92 7 1

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no

data were reported or that data do not meet publication criteria. For definitions of major plans, key

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 20. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National

Compensation Survey, 2013

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristic

All workers ............................................................... 0.3 0.3 1 ( ) 1.1 1.1 – 0.9 0.9 0.3

Management, professional, and related .................. 0.6 0.6 – 2.0 2.0 – 1.5 1.5 0.2

Management, business, and financial ................. 0.6 0.6 – 2.2 2.2 – 1.3 1.2 0.2

Professional and related ...................................... 0.9 0.9 – 3.1 3.1 – 2.2 2.2 0.2

Service ..................................................................... 1.0 1.0 – 3.5 3.5 – 3.4 3.7 2.4

Sales and office ....................................................... 0.5 0.5 1 ( ) 1.5 1.5 – 1.3 1.3 0.1

Sales and related ................................................. 1.0 1.0 1 ( ) 1.9 1.9 – 0.9 – –

Office and administrative support ........................ 0.4 0.4 0.1 2.0 2.0 – 1.8 1.8 0.1

Natural resources, construction, and maintenance 1.4 1.4 – 3.3 3.3 – 2.1 2.0 0.5

Installation, maintenance, and repair ................... 2.1 – – 4.0 4.0 – 3.3 3.3 –

Production, transportation, and material moving ..... 1.2 1.2 – 2.1 2.1 – 1.4 1.3 0.5

Production ............................................................ 1.9 1.9 – 2.7 2.7 – 1.9 1.6 0.9

Transportation and material moving .................... 1.2 – – 3.1 3.1 – 1.7 1.7 –

Full time ................................................................... 0.4 0.4 1 ( ) 1.1 1.1 – 1.0 1.0 0.2

Part time .................................................................. 0.8 – – 2.7 2.7 – 3.9 – –

Union ....................................................................... 1.6 1.6 – 3.3 3.3 – 3.6 3.5 0.8

Nonunion ................................................................. 0.3 0.3 1 ( ) 1.2 1.2 – 1.1 1.1 0.3

Average wage within the following categories2:

Lowest 25 percent ............................................... 0.5 – – 2.2 2.2 – 2.3 – –

Second 25 percent ............................................... 0.6 0.6 1 ( ) 1.9 1.9 – 1.6 1.6 –

Third 25 percent ................................................... 0.8 0.8 – 1.5 1.5 – 1.4 1.3 0.3

Highest 25 percent ............................................... 0.7 0.7 – 1.5 1.5 – 1.4 1.3 0.2

Highest 10 percent ........................................... 1.3 1.3 – 1.9 1.9 – 1.7 1.6 0.3

Establishment characteristic

Goods-producing industries ..................................... 1.1 1.1 – 2.0 2.0 – 1.6 1.4 0.6

Construction ......................................................... 2.4 – – 3.8 3.8 – 3.2 2.7 1.7

Manufacturing ...................................................... 1.3 1.3 – 2.2 2.2 – 1.8 1.6 0.7

Service-providing industries ..................................... 0.4 0.4 1 ( ) 1.3 1.3 – 1.1 1.1 0.3

Trade, transportation, and utilities ....................... 0.7 0.7 0.1 1.4 1.4 – 1.0 1.0 –

Wholesale trade ............................................... 1.6 – – 2.4 2.4 – 1.0 – –

Retail trade ...................................................... 0.5 – – 1.2 1.2 – 0.6 – –

Information ........................................................... 3.2 – – 4.5 – – 3.7 – –

Financial activities ................................................ 1.1 – – 1.9 1.9 – 1.9 1.9 –

Finance and insurance .................................... 1.3 – – 2.0 2.0 – 2.2 2.2 –

See footnotes at end of table.
Table 20. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National

Compensation Survey, 2013—continued

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Credit intermediation and related activities .. 0.6 – – 2.7 2.7 – 2.4 – –

Insurance carriers and related activities ...... 3.4 – – 4.1 4.1 – 4.1 – –

Professional and business services ..................... 0.9 – – 3.3 3.3 – 3.0 – –

Education and health services ............................. 0.6 0.6 – 4.2 4.2 – 2.6 2.6 –

Educational services ........................................ 2.4 – – 4.8 4.8 – 4.5 4.5 –

Junior colleges, colleges, and universities ... 3.4 – – 4.2 4.2 – 4.4 4.4 –

Health care and social assistance ................... 0.6 0.6 – 4.8 4.8 – 3.0 3.0 –

1 to 99 workers ........................................................ 0.6 0.6 1 ( ) 1.6 1.6 – 1.2 1.0 0.5

1 to 49 workers .................................................... 0.7 0.7 1 ( ) 2.0 2.0 – 1.9 1.5 0.8

50 to 99 workers .................................................. 1.3 – – 2.8 2.8 – 1.3 1.3 –

100 workers or more ................................................ 0.5 0.5 – 1.7 1.7 – 1.4 1.4 0.2

100 to 499 workers .............................................. 0.8 0.8 – 2.2 2.2 – 1.7 1.7 0.4

500 workers or more ............................................ 0.8 0.8 – 2.3 2.3 – 2.5 2.4 0.3

Geographic area

New England ........................................................... 1.5 – – 5.5 5.5 – 5.1 5.1 –

Middle Atlantic ......................................................... 1.2 1.2 – 2.1 2.1 – 3.5 3.5 –

South Atlantic ........................................................... 0.5 0.5 – 1.6 1.6 – 2.7 – –

East South Central ................................................... 0.5 – – 4.6 4.6 – 3.3 – –

West South Central .................................................. 0.6 – – 1.6 1.6 – 1.0 0.7 0.6

East North Central ................................................... 0.9 0.9 – 4.0 4.0 – 2.5 2.1 1.3

West North Central .................................................. 1.4 1.4 – 3.9 3.9 – 1.8 – –

Mountain .................................................................. 0.5 0.4 0.2 2.1 2.1 – 3.5 – –

Pacific ...................................................................... 1.5 1.5 1 ( ) 2.2 2.2 – 2.1 1.8 1.0

1 Less than 0.05. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 21. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey, 2013

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most

generous

coverage1

Worker characteristic

All workers ............................................................... 100 96 31 $1,000 64 $1,000 $1,800 $500 3 () 4 3 ( )

Management, professional, and related .................. 100 96 – – 69 750 1,500 – – 4 –

Management, business, and financial ................. 100 97 – – 66 – 1,500 – – 3 –

Professional and related ...................................... 100 95 – – 71 – – – – 5 –

Service ..................................................................... 100 96 – – 62 1,000 2,000 – – 4 –

Sales and office ....................................................... 100 97 – – 66 1,000 2,000 – – 3 3 ( )

Sales and related ................................................. 100 96 – – 66 1,000 3,000 – – 4 3 ( )

Office and administrative support ........................ 100 97 – – 66 1,000 2,000 – – 3 3 ( )

Natural resources, construction, and maintenance 100 95 43 – 52 – 1,500 – – 5 –

Installation, maintenance, and repair ................... 100 94 29 – 65 – – 375 – – –

Production, transportation, and material moving ..... 100 95 – – 58 1,000 1,500 – – 5 –

Production ............................................................ 100 93 – – 57 750 1,200 – – 7 –

Transportation and material moving .................... 100 98 38 500 60 1,000 1,750 – – – –

Full time ................................................................... 100 96 31 1,000 64 1,000 2,000 – 3 () 4 3 ( )

Part time .................................................................. 100 98 – – 65 – – – – – –

Union ....................................................................... 100 90 – – 53 500 800 – – 10 –

Nonunion ................................................................. 100 97 – – 66 1,000 2,000 500 – 3 3 ( )

Average wage within the following categories4:

Lowest 25 percent ............................................... 100 98 – – 56 – 3,000 – – – –

Second 25 percent ............................................... 100 97 – – 67 1,000 2,000 – – 3 3 ( )

Third 25 percent ................................................... 100 95 – – 63 1,000 2,000 – – 5 –

Highest 25 percent ............................................... 100 94 – – 66 750 1,500 500 – 6 –

Highest 10 percent ........................................... 100 94 – – 67 – 1,500 1,500 – 6 –

Establishment characteristic

Goods-producing industries ..................................... 100 93 – – 56 – 1,200 – – 7 –

Construction ......................................................... 100 95 48 500 47 1,000 2,000 – – – –

Manufacturing ...................................................... 100 92 – – 61 600 1,000 – – 8 –

Service-providing industries ..................................... 100 97 – – 67 1,000 2,000 500 – 3 3 ( )

Trade, transportation, and utilities ....................... 100 97 – – 61 1,000 2,000 – – 3 3 ( )

Wholesale trade ............................................... 100 94 – – 62 – – – – – –

Retail trade ...................................................... 100 99 – – 59 1,000 – – – – –

Information ........................................................... 100 91 30 1,500 61 500 900 – – – –

Financial activities ................................................ 100 97 28 1,300 69 1,000 2,000 – – – –

Finance and insurance .................................... 100 97 30 1,300 67 1,000 – – – – –

See footnotes at end of table.
Table 21. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey,

2013—continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most

generous

coverage1

Credit intermediation and related activities .. 100 99 27 – 72 $1,000 $2,000 – – – –

Insurance carriers and related activities ...... 100 93 28 $1,250 65 1,000 – – – – –

Professional and business services ..................... 100 98 27 1,000 71 1,500 2,200 – – – –

Education and health services ............................. 100 96 – – 70 750 – $500 – 4 –

Educational services ........................................ 100 92 – – 60 600 1,000 – – – –

Junior colleges, colleges, and universities ... 100 89 23 – 66 600 1,000 – – – –

Health care and social assistance ................... 100 97 – – 71 800 1,900 500 – 3 –

1 to 99 workers ........................................................ 100 96 – – 62 1,000 2,000 – – 4 3 ( )

1 to 49 workers .................................................... 100 96 – – 64 1,000 2,000 – – 4 3 ( )

50 to 99 workers .................................................. 100 96 – – 58 1,000 2,000 – – – –

100 workers or more ................................................ 100 96 – – 66 800 1,500 500 – 4 –

100 to 499 workers .............................................. 100 97 – – 66 1,200 2,350 – – 3 –

500 workers or more ............................................ 100 94 – – 65 500 1,000 250 – 6 –

Geographic area

New England ........................................................... 100 98 – – 75 – – – – – –

Middle Atlantic ......................................................... 100 92 – – 58 500 1,000 – – 8 –

South Atlantic ........................................................... 100 97 – – 75 1,000 2,000 – – 3 –

East South Central ................................................... 100 99 – – 55 – – – – – –

West South Central .................................................. 100 98 – – 56 1,500 3,000 – – – –

East North Central ................................................... 100 97 – – 74 1,000 2,000 – – 3 –

West North Central .................................................. 100 95 – – 63 1,000 3,000 – – 5 –

Mountain .................................................................. 100 97 39 – 58 – 1,500 – – 3 3 ( )

Pacific ...................................................................... 100 94 – – 50 750 1,500 – – 6 3 ( )

1 Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service

plans. 2 Deductible amount vary by additional factors such as employee length of service, salary range, or age of

enrollee. 3 Less than 0.5. 4 Surveyed occupations are classified into wage categories based on the average wage for the occupation,

which may include workers with earnings both above and below the threshold. The categories were formed using

percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs

for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were

reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 21. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National

Compensation Survey, 2013

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most

generous

coverage1

Worker characteristic

All workers ............................................................... 0.3 1.3 $165 1.3 $0 $323 $73 0.1 0.3 3 ( )

Management, professional, and related .................. 0.6 – – 2.0 209 167 – – 0.6 –

Management, business, and financial ................. 0.6 – – 3.0 – 56 – – 0.6 –

Professional and related ...................................... 0.9 – – 2.3 – – – – 0.9 –

Service ..................................................................... 1.0 – – 4.1 296 362 – – 1.0 –

Sales and office ....................................................... 0.5 – – 2.7 18 316 – – 0.5 3 ( )

Sales and related ................................................. 1.0 – – 3.4 0 274 – – 1.0 3 ( )

Office and administrative support ........................ 0.4 – – 3.3 137 69 – – 0.4 0.1

Natural resources, construction, and maintenance 1.4 4.9 – 4.6 – 426 – – 1.4 –

Installation, maintenance, and repair ................... 2.1 4.8 – 4.7 – – 67 – – –

Production, transportation, and material moving ..... 1.2 – – 3.5 54 310 – – 1.2 –

Production ............................................................ 1.9 – – 4.0 211 72 – – 1.9 –

Transportation and material moving .................... 1.2 5.0 145 5.4 164 448 – – – –

Full time ................................................................... 0.4 1.3 106 1.4 0 354 – 0.1 0.4 3 ( )

Part time .................................................................. 0.8 – – 5.0 – – – – – –

Union ....................................................................... 1.6 – – 3.4 68 204 – – 1.6 –

Nonunion ................................................................. 0.3 – – 1.4 0 0 123 – 0.3 3 ( )

Average wage within the following categories4:

Lowest 25 percent ............................................... 0.5 – – 3.8 – 742 – – – –

Second 25 percent ............................................... 0.6 – – 2.0 74 199 – – 0.6 3 ( )

Third 25 percent ................................................... 0.8 – – 2.3 0 154 – – 0.8 –

Highest 25 percent ............................................... 0.7 – – 2.1 210 223 55 – 0.7 –

Highest 10 percent ........................................... 1.3 – – 3.2 – 350 321 – 1.3 –

Establishment characteristic

Goods-producing industries ..................................... 1.1 – – 3.1 – 187 – – 1.1 –

Construction ......................................................... 2.4 4.4 65 5.1 0 0 – – – –

Manufacturing ...................................................... 1.3 – – 3.6 155 155 – – 1.3 –

Service-providing industries ..................................... 0.4 – – 1.4 0 80 73 – 0.4 3 ( )

Trade, transportation, and utilities ....................... 0.7 – – 2.5 0 239 – – 0.7 0.1

Wholesale trade ............................................... 1.6 – – 4.0 – – – – – –

Retail trade ...................................................... 0.5 – – 2.6 0 – – – – –

Information ........................................................... 3.2 6.2 255 7.2 75 133 – – – –

Financial activities ................................................ 1.1 2.0 288 2.3 0 289 – – – –

Finance and insurance .................................... 1.3 2.2 271 2.7 0 – – – – –

See footnotes at end of table.
Table 21. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National

Compensation Survey, 2013—continued

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most

generous

coverage1

Credit intermediation and related activities .. 0.6 2.8 – 3.0 $36 $187 – – – –

Insurance carriers and related activities ...... 3.4 2.9 $251 4.7 165 – – – – –

Professional and business services ..................... 0.9 3.9 130 4.3 413 358 – – – –

Education and health services ............................. 0.6 – – 3.2 187 – $135 – 0.6 –

Educational services ........................................ 2.4 – – 5.3 178 89 – – – –

Junior colleges, colleges, and universities ... 3.4 5.5 – 6.0 145 229 – – – –

Health care and social assistance ................... 0.6 – – 3.5 227 463 121 – 0.6 –

1 to 99 workers ........................................................ 0.6 – – 2.1 0 0 – – 0.6 3 ( )

1 to 49 workers .................................................... 0.7 – – 2.5 0 0 – – 0.7 3 ( )

50 to 99 workers .................................................. 1.3 – – 4.8 133 455 – – – –

100 workers or more ................................................ 0.5 – – 1.9 192 106 9 – 0.5 –

100 to 499 workers .............................................. 0.8 – – 2.3 153 316 – – 0.8 –

500 workers or more ............................................ 0.8 – – 2.8 0 0 73 – 0.8 –

Geographic area

New England ........................................................... 1.5 – – 4.4 – – – – – –

Middle Atlantic ......................................................... 1.2 – – 2.8 47 0 – – 1.2 –

South Atlantic ........................................................... 0.5 – – 2.5 18 596 – – 0.5 –

East South Central ................................................... 0.5 – – 4.7 – – – – – –

West South Central .................................................. 0.6 – – 4.0 243 634 – – – –

East North Central ................................................... 0.9 – – 4.1 123 356 – – 0.9 –

West North Central .................................................. 1.4 – – 6.3 55 401 – – 1.4 –

Mountain .................................................................. 0.5 5.8 – 5.7 – 0 – – 0.4 0.2

Pacific ...................................................................... 1.5 – – 2.8 205 243 – – 1.5 3 ( )

1 Refers to deductible or coinsurance amounts for the most generous benefits received in

Point-of-Service plans. 2 Deductible amount vary by additional factors such as employee length of service, salary range, or age

of enrollee. 3 Less than 0.05. 4 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The categories

were formed using percentile estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms"

at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 22. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation Survey,

2013

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 100 96 $250 $400 $1,000 $1,750 $2,700 4 1 ( )

Management, professional, and related .................. 100 96 250 400 1,000 1,500 2,500 4 –

Management, business, and financial ................. 100 97 275 375 1,000 – 2,600 3 –

Professional and related ...................................... 100 95 250 – 1,000 1,500 – 5 –

Service ..................................................................... 100 96 200 300 900 1,750 2,500 4 –

Sales and office ....................................................... 100 97 250 500 1,000 2,000 2,750 3 1 ( )

Sales and related ................................................. 100 96 250 500 1,000 2,000 2,750 4 1 ( )

Office and administrative support ........................ 100 97 250 500 1,000 2,000 2,750 3 1 ( )

Natural resources, construction, and maintenance 100 95 250 350 – 1,500 2,000 5 –

Installation, maintenance, and repair ................... 100 94 250 350 750 1,500 2,750 – –

Production, transportation, and material moving ..... 100 95 250 350 – 2,000 3,000 5 –

Production ............................................................ 100 93 275 400 – 2,000 2,750 7 –

Transportation and material moving .................... 100 98 200 300 950 2,000 – – –

Full time ................................................................... 100 96 250 450 1,000 1,700 2,700 4 1 ( )

Part time .................................................................. 100 98 200 250 – 2,000 2,750 – –

Union ....................................................................... 100 90 200 250 – 1,000 – 10 –

Nonunion ................................................................. 100 97 250 500 1,000 1,900 2,750 3 1 ( )

Average wage within the following categories2:

Lowest 25 percent ............................................... 100 98 200 – 1,000 2,000 3,000 – –

Second 25 percent ............................................... 100 97 250 500 1,000 2,000 3,000 3 1 ( )

Third 25 percent ................................................... 100 95 250 500 1,000 1,750 2,700 5 –

Highest 25 percent ............................................... 100 94 250 350 750 1,500 2,400 6 –

Highest 10 percent ........................................... 100 94 250 350 750 1,500 2,000 6 –

Establishment characteristic

Goods-producing industries ..................................... 100 93 250 300 750 1,500 2,750 7 –

Construction ......................................................... 100 95 300 350 – 2,000 3,000 – –

Manufacturing ...................................................... 100 92 250 300 750 1,500 2,750 8 –

Service-providing industries ..................................... 100 97 250 500 1,000 1,750 2,700 3 1 ( )

Trade, transportation, and utilities ....................... 100 97 250 500 1,000 2,200 3,000 3 1 ( )

Wholesale trade ............................................... 100 94 250 500 – – 3,000 – –

Retail trade ...................................................... 100 99 250 500 1,000 2,500 3,000 – –

Information ........................................................... 100 91 300 – – 1,500 2,000 – –

Financial activities ................................................ 100 97 300 500 1,000 2,000 2,500 – –

Finance and insurance .................................... 100 97 350 500 1,000 2,000 2,600 – –

See footnotes at end of table.
Table 22. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation Survey,

2013—continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 100 99 $350 $500 $1,000 $2,000 $2,500 – –

Insurance carriers and related activities ...... 100 93 350 500 1,100 2,000 2,500 – –

Professional and business services ..................... 100 98 300 500 1,250 1,500 2,050 – –

Education and health services ............................. 100 96 250 500 – 2,000 – 4 –

Educational services ........................................ 100 92 250 300 500 1,000 – – –

Junior colleges, colleges, and universities ... 100 89 200 250 500 1,000 – – –

Health care and social assistance ................... 100 97 250 500 1,000 2,000 – 3 –

1 to 99 workers ........................................................ 100 96 250 500 1,000 1,750 2,750 4 1 ( )

1 to 49 workers .................................................... 100 96 250 500 1,000 2,000 2,750 4 1 ( )

50 to 99 workers .................................................. 100 96 250 – 1,000 1,500 2,600 – –

100 workers or more ................................................ 100 96 250 375 800 1,750 2,700 4 –

100 to 499 workers .............................................. 100 97 300 500 1,000 2,000 2,750 3 –

500 workers or more ............................................ 100 94 200 300 500 1,300 2,000 6 –

Geographic area

New England ........................................................... 100 98 250 375 – – 2,500 – –

Middle Atlantic ......................................................... 100 92 200 350 700 1,500 2,500 8 –

South Atlantic ........................................................... 100 97 250 400 1,000 2,000 3,000 3 –

East South Central ................................................... 100 99 200 300 600 2,000 2,500 – –

West South Central .................................................. 100 98 250 – 1,000 2,000 2,500 – –

East North Central ................................................... 100 97 300 500 1,100 2,000 2,750 3 –

West North Central .................................................. 100 95 300 500 1,000 2,000 2,800 5 –

Mountain .................................................................. 100 97 250 – – 1,500 2,700 3 1 ( )

Pacific ...................................................................... 100 94 200 375 750 1,500 2,200 6 1 ( )

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 22. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers,

National Compensation Survey, 2013

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 0.3 $0 $70 $0 $157 $75 0.3 1 ( )

Management, professional, and related .................. 0.6 0 60 150 0 0 0.6 –

Management, business, and financial ................. 0.6 41 45 271 – 167 0.6 –

Professional and related ...................................... 0.9 0 – 151 0 – 0.9 –

Service ..................................................................... 1.0 13 76 245 393 0 1.0 –

Sales and office ....................................................... 0.5 0 0 48 0 46 0.5 1 ( )

Sales and related ................................................. 1.0 27 13 0 375 46 1.0 1 ( )

Office and administrative support ........................ 0.4 0 0 235 0 149 0.4 0.1

Natural resources, construction, and maintenance 1.4 13 65 – 118 185 1.4 –

Installation, maintenance, and repair ................... 2.1 0 85 177 46 274 – –

Production, transportation, and material moving ..... 1.2 40 91 – 0 153 1.2 –

Production ............................................................ 1.9 46 83 – 271 283 1.9 –

Transportation and material moving .................... 1.2 16 30 259 430 – – –

Full time ................................................................... 0.4 0 81 0 213 122 0.4 1 ( )

Part time .................................................................. 0.8 18 36 – 182 0 – –

Union ....................................................................... 1.6 9 26 – 41 – 1.6 –

Nonunion ................................................................. 0.3 0 0 0 234 60 0.3 1 ( )

Average wage within the following categories2:

Lowest 25 percent ............................................... 0.5 24 – 65 351 258 – –

Second 25 percent ............................................... 0.6 0 0 109 41 314 0.6 1 ( )

Third 25 percent ................................................... 0.8 32 20 0 296 127 0.8 –

Highest 25 percent ............................................... 0.7 0 40 102 0 496 0.7 –

Highest 10 percent ........................................... 1.3 5 53 187 0 0 1.3 –

Establishment characteristic

Goods-producing industries ..................................... 1.1 5 42 58 0 237 1.1 –

Construction ......................................................... 2.4 47 70 – 547 288 – –

Manufacturing ...................................................... 1.3 0 59 108 0 211 1.3 –

Service-providing industries ..................................... 0.4 0 0 0 276 73 0.4 1 ( )

Trade, transportation, and utilities ....................... 0.7 0 18 0 337 144 0.7 0.1

Wholesale trade ............................................... 1.6 49 0 – – 825 – –

Retail trade ...................................................... 0.5 50 0 26 238 228 – –

Information ........................................................... 3.2 48 – – 255 0 – –

Financial activities ................................................ 1.1 67 0 0 0 160 – –

Finance and insurance .................................... 1.3 9 0 63 0 268 – –

See footnotes at end of table.
Table 22. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers,

National Compensation Survey, 2013—continued

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 0.6 $0 $0 $111 $0 $247 – –

Insurance carriers and related activities ...... 3.4 33 0 109 0 39 – –

Professional and business services ..................... 0.9 78 0 220 0 346 – –

Education and health services ............................. 0.6 52 101 – 354 – 0.6 –

Educational services ........................................ 2.4 48 80 0 52 – – –

Junior colleges, colleges, and universities ... 3.4 43 41 26 250 – – –

Health care and social assistance ................... 0.6 53 48 281 154 – 0.6 –

1 to 99 workers ........................................................ 0.6 0 0 0 424 256 0.6 1 ( )

1 to 49 workers .................................................... 0.7 0 0 0 364 327 0.7 1 ( )

50 to 99 workers .................................................. 1.3 46 – 38 250 220 – –

100 workers or more ................................................ 0.5 23 38 133 133 89 0.5 –

100 to 499 workers .............................................. 0.8 48 0 61 46 303 0.8 –

500 workers or more ............................................ 0.8 0 41 49 145 71 0.8 –

Geographic area

New England ........................................................... 1.5 61 71 – – 78 – –

Middle Atlantic ......................................................... 1.2 53 57 192 263 100 1.2 –

South Atlantic ........................................................... 0.5 0 101 26 0 266 0.5 –

East South Central ................................................... 0.5 0 0 143 504 310 – –

West South Central .................................................. 0.6 55 – 214 301 296 – –

East North Central ................................................... 0.9 22 0 160 303 365 0.9 –

West North Central .................................................. 1.4 74 0 156 0 267 1.4 –

Mountain .................................................................. 0.5 71 – – 205 333 0.4 0.2

Pacific ...................................................................... 1.5 40 98 61 52 482 1.5 1 ( )

1 Less than 0.05. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 23. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey, 2013

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most

generous

coverage1

Worker characteristic

All workers ............................................................... 100 94 30 $2,000 64 $2,000 $4,000 – 3 () 6 3 ( )

Management, professional, and related .................. 100 95 – – 69 1,600 3,200 – – 5 –

Management, business, and financial ................. 100 96 – – 66 – 3,000 – – 4 –

Professional and related ...................................... 100 94 – – 71 1,800 3,600 – – 6 –

Service ..................................................................... 100 94 – – 62 2,500 – – – 6 –

Sales and office ....................................................... 100 95 – – 66 2,500 5,000 – – 5 3 ( )

Sales and related ................................................. 100 94 – – 66 – 6,000 – – 6 3 ( )

Office and administrative support ........................ 100 96 – – 66 2,500 4,500 – – 4 3 ( )

Natural resources, construction, and maintenance 100 93 41 1,500 52 2,000 3,300 – – 7 –

Installation, maintenance, and repair ................... 100 93 28 – 65 1,500 3,000 $750 – 7 –

Production, transportation, and material moving ..... 100 92 – – 56 2,250 3,000 1,500 – 8 –

Production ............................................................ 100 92 – – 56 2,000 3,000 – – 8 –

Transportation and material moving .................... 100 93 37 – 57 3,000 4,200 – – – –

Full time ................................................................... 100 94 30 2,000 64 2,000 4,000 1,500 3 () 6 3 ( )

Part time .................................................................. 100 92 – – 63 1,800 3,000 – – – –

Union ....................................................................... 100 84 – – 50 – 1,750 – – 16 –

Nonunion ................................................................. 100 96 – – 66 2,200 4,500 1,500 – 4 3 ( )

Average wage within the following categories4:

Lowest 25 percent ............................................... 100 96 – – 56 3,000 6,000 – – – –

Second 25 percent ............................................... 100 96 – – 66 2,400 4,500 – – 4 3 ( )

Third 25 percent ................................................... 100 94 – – 62 2,000 4,000 – – 6 –

Highest 25 percent ............................................... 100 92 – – 65 1,500 3,000 – – 8 –

Highest 10 percent ........................................... 100 92 – – 67 1,500 3,000 3,000 – 8 –

Establishment characteristic

Goods-producing industries ..................................... 100 91 – – 55 1,500 3,000 – – 9 –

Construction ......................................................... 100 91 44 1,050 47 – 4,000 – – – –

Manufacturing ...................................................... 100 91 – – 60 1,500 2,625 – – 9 –

Service-providing industries ..................................... 100 95 – – 66 2,100 4,200 – – 5 3 ( )

Trade, transportation, and utilities ....................... 100 94 – – 60 2,250 4,600 – – 6 3 ( )

Wholesale trade ............................................... 100 92 – – 61 – 4,000 – – – –

Retail trade ...................................................... 100 95 – – 59 2,100 6,000 – – 5 –

Information ........................................................... 100 87 26 3,000 61 1,050 2,000 – – 13 –

Financial activities ................................................ 100 97 28 3,000 69 2,400 4,000 – – – –

Finance and insurance .................................... 100 97 30 3,000 67 2,400 3,600 – – – –

See footnotes at end of table.
Table 23. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey,

2013—continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most

generous

coverage1

Credit intermediation and related activities .. 100 99 27 $3,000 72 $2,500 – – – – –

Insurance carriers and related activities ...... 100 93 28 2,500 65 2,400 $3,000 – – – –

Professional and business services ..................... 100 98 27 2,600 71 3,000 5,000 – – – –

Education and health services ............................. 100 96 – – 69 1,600 4,000 $1,000 – 4 –

Educational services ........................................ 100 89 – – 59 1,500 2,250 – – 11 –

Junior colleges, colleges, and universities ... 100 86 22 800 65 1,500 2,250 – – 14 –

Health care and social assistance ................... 100 97 – – 71 1,600 4,500 1,000 – 3 –

1 to 99 workers ........................................................ 100 94 – – 62 2,000 4,500 – – 6 3 ( )

1 to 49 workers .................................................... 100 94 – – 64 2,000 4,500 – – 6 3 ( )

50 to 99 workers .................................................. 100 94 – – 57 – 4,500 – – 6 –

100 workers or more ................................................ 100 94 – – 65 2,000 3,600 – – 6 –

100 to 499 workers .............................................. 100 96 – – 66 3,000 6,000 2,500 – 4 –

500 workers or more ............................................ 100 92 – – 63 1,200 2,400 600 – 8 –

Geographic area

New England ........................................................... 100 98 – – 75 – – – – – –

Middle Atlantic ......................................................... 100 91 – – 58 – 2,500 – – 9 –

South Atlantic ........................................................... 100 94 – – 74 2,500 4,500 – – 6 –

East South Central ................................................... 100 98 – – 55 1,800 3,000 750 – – –

West South Central .................................................. 100 97 – – 55 3,000 6,000 – – 3 –

East North Central ................................................... 100 96 – – 74 2,400 4,700 – – 4 –

West North Central .................................................. 100 94 – – 63 3,000 6,000 – – 6 –

Mountain .................................................................. 100 95 37 2,200 58 1,500 3,000 – – 5 3 ( )

Pacific ...................................................................... 100 88 – – 48 1,800 – – – 12 3 ( )

1 Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service

plans. 2 Deductible amount vary by additional factors such as employee length of service, salary range, or age of

enrollee. 3 Less than 0.5. 4 Surveyed occupations are classified into wage categories based on the average wage for the occupation,

which may include workers with earnings both above and below the threshold. The categories were formed using

percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs

for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were

reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 23. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National

Compensation Survey, 2013

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most

generous

coverage1

Worker characteristic

All workers ............................................................... 0.4 1.3 $171 1.4 $92 $91 – 0.1 0.4 3 ( )

Management, professional, and related .................. 0.7 – – 2.0 414 703 – – 0.7 –

Management, business, and financial ................. 0.8 – – 3.0 – 556 – – 0.8 –

Professional and related ...................................... 0.9 – – 2.3 403 754 – – 0.9 –

Service ..................................................................... 1.2 – – 4.1 674 – – – 1.2 –

Sales and office ....................................................... 0.6 – – 2.7 454 853 – – 0.6 3 ( )

Sales and related ................................................. 1.3 – – 3.4 – 0 – – 1.3 3 ( )

Office and administrative support ........................ 0.6 – – 3.3 584 336 – – 0.6 0.1

Natural resources, construction, and maintenance 1.4 4.9 278 4.6 435 869 – – 1.4 –

Installation, maintenance, and repair ................... 2.0 4.8 – 4.6 398 415 $137 – 2.0 –

Production, transportation, and material moving ..... 1.6 – – 3.5 246 830 431 – 1.6 –

Production ............................................................ 2.0 – – 3.8 551 202 – – 2.0 –

Transportation and material moving .................... 2.6 5.0 – 5.7 258 595 – – – –

Full time ................................................................... 0.4 1.3 139 1.4 164 91 382 0.1 0.4 3 ( )

Part time .................................................................. 2.7 – – 5.3 409 454 – – – –

Union ....................................................................... 2.6 – – 3.5 – 319 – – 2.6 –

Nonunion ................................................................. 0.4 – – 1.4 273 592 422 – 0.4 3 ( )

Average wage within the following categories4:

Lowest 25 percent ............................................... 1.0 – – 3.7 280 1,073 – – – –

Second 25 percent ............................................... 0.7 – – 2.0 309 343 – – 0.7 3 ( )

Third 25 percent ................................................... 0.9 – – 2.4 274 248 – – 0.9 –

Highest 25 percent ............................................... 1.0 – – 2.2 370 213 – – 1.0 –

Highest 10 percent ........................................... 1.5 – – 3.3 392 177 537 – 1.5 –

Establishment characteristic

Goods-producing industries ..................................... 1.3 – – 3.1 387 179 – – 1.3 –

Construction ......................................................... 2.8 3.9 260 5.1 – 894 – – – –

Manufacturing ...................................................... 1.4 – – 3.6 210 438 – – 1.4 –

Service-providing industries ..................................... 0.5 – – 1.5 219 499 – – 0.5 3 ( )

Trade, transportation, and utilities ....................... 0.8 – – 2.5 435 912 – – 0.8 0.1

Wholesale trade ............................................... 1.7 – – 4.2 – 605 – – – –

Retail trade ...................................................... 1.0 – – 2.5 248 1,167 – – 1.0 –

Information ........................................................... 3.3 6.2 0 7.2 231 0 – – 3.3 –

Financial activities ................................................ 1.1 2.0 552 2.3 444 529 – – – –

Finance and insurance .................................... 1.3 2.2 565 2.7 494 892 – – – –

See footnotes at end of table.
Table 23. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National

Compensation Survey, 2013—continued

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most

generous

coverage1

Credit intermediation and related activities .. 0.6 2.8 $365 3.0 $657 – – – – –

Insurance carriers and related activities ...... 3.4 2.9 483 4.7 593 $805 – – – –

Professional and business services ..................... 0.8 3.9 776 4.3 355 1,081 – – – –

Education and health services ............................. 0.7 – – 3.2 279 644 $274 – 0.7 –

Educational services ........................................ 2.6 – – 5.4 352 389 – – 2.6 –

Junior colleges, colleges, and universities ... 3.4 5.6 170 6.0 253 352 – – 3.4 –

Health care and social assistance ................... 0.7 – – 3.5 379 698 262 – 0.7 –

1 to 99 workers ........................................................ 0.6 – – 2.0 452 621 – – 0.6 3 ( )

1 to 49 workers .................................................... 0.8 – – 2.5 380 839 – – 0.8 3 ( )

50 to 99 workers .................................................. 1.6 – – 4.7 – 587 – – 1.6 –

100 workers or more ................................................ 0.8 – – 1.9 188 563 – – 0.8 –

100 to 499 workers .............................................. 0.8 – – 2.3 541 488 612 – 0.8 –

500 workers or more ............................................ 1.3 – – 2.9 161 323 165 – 1.3 –

Geographic area

New England ........................................................... 1.5 – – 4.4 – – – – – –

Middle Atlantic ......................................................... 1.1 – – 2.9 – 544 – – 1.1 –

South Atlantic ........................................................... 0.7 – – 2.2 175 429 – – 0.7 –

East South Central ................................................... 0.5 – – 4.7 486 480 100 – – –

West South Central .................................................. 0.6 – – 4.0 61 415 – – 0.6 –

East North Central ................................................... 0.9 – – 4.2 346 1,268 – – 0.9 –

West North Central .................................................. 1.5 – – 6.3 775 245 – – 1.5 –

Mountain .................................................................. 0.6 5.3 512 5.7 152 0 – – 0.5 0.2

Pacific ...................................................................... 2.7 – – 3.3 383 – – – 2.7 3 ( )

1 Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service

plans. 2 Deductible amount vary by additional factors such as employee length of service, salary range, or age of

enrollee. 3 Less than 0.05. 4 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The categories

were formed using percentile estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions

of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 24. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation Survey, 2013

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 100 94 $570 $1,000 $2,000 $4,000 $6,000 6 1 ( )

Management, professional, and related .................. 100 95 500 1,000 2,000 3,300 5,300 5 –

Management, business, and financial ................. 100 96 600 900 2,000 4,000 5,600 4 –

Professional and related ...................................... 100 94 500 1,000 2,000 3,000 5,000 6 –

Service ..................................................................... 100 94 500 – 2,000 4,000 5,000 6 –

Sales and office ....................................................... 100 95 700 1,200 2,500 4,000 5,600 5 1 ( )

Sales and related ................................................. 100 94 750 1,500 2,500 4,000 5,500 6 1 ( )

Office and administrative support ........................ 100 96 600 1,050 2,500 4,100 6,000 4 1 ( )

Natural resources, construction, and maintenance 100 93 600 1,000 1,500 3,000 5,400 7 –

Installation, maintenance, and repair ................... 100 93 570 900 1,500 3,000 6,000 7 –

Production, transportation, and material moving ..... 100 92 600 900 2,000 4,500 6,400 8 –

Production ............................................................ 100 92 600 1,000 2,000 4,500 6,000 8 –

Transportation and material moving .................... 100 93 500 900 2,000 5,000 – – –

Full time ................................................................... 100 94 600 1,000 2,000 4,000 6,000 6 1 ( )

Part time .................................................................. 100 92 500 – 1,500 4,000 5,500 – –

Union ....................................................................... 100 84 – 500 1,000 – 5,000 16 –

Nonunion ................................................................. 100 96 600 1,000 2,250 4,000 6,000 4 1 ( )

Average wage within the following categories2:

Lowest 25 percent ............................................... 100 96 500 1,000 2,500 4,500 6,000 – –

Second 25 percent ............................................... 100 96 500 1,000 2,400 4,500 6,000 4 1 ( )

Third 25 percent ................................................... 100 94 600 1,000 2,200 4,000 6,000 6 –

Highest 25 percent ............................................... 100 92 500 900 1,500 3,000 5,000 8 –

Highest 10 percent ........................................... 100 92 500 800 – 3,000 4,500 8 –

Establishment characteristic

Goods-producing industries ..................................... 100 91 600 800 1,600 3,000 6,000 9 –

Construction ......................................................... 100 91 600 1,000 2,000 4,000 6,000 – –

Manufacturing ...................................................... 100 91 550 800 1,800 3,000 6,000 9 –

Service-providing industries ..................................... 100 95 500 1,000 2,200 4,000 5,600 5 1 ( )

Trade, transportation, and utilities ....................... 100 94 570 1,000 2,200 5,000 6,000 6 1 ( )

Wholesale trade ............................................... 100 92 600 1,400 2,000 4,000 6,400 – –

Retail trade ...................................................... 100 95 800 1,500 2,200 5,000 6,000 5 –

Information ........................................................... 100 87 700 1,000 – 3,000 4,000 13 –

Financial activities ................................................ 100 97 700 1,000 2,500 4,000 5,600 – –

Finance and insurance .................................... 100 97 700 1,000 2,500 4,000 5,600 – –

See footnotes at end of table.
Table 24. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation Survey,

2013—continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 100 99 $750 $1,000 $2,600 $4,000 $5,000 – –

Insurance carriers and related activities ...... 100 93 700 1,200 2,500 4,000 5,600 – –

Professional and business services ..................... 100 98 750 1,500 3,000 4,000 4,800 – –

Education and health services ............................. 100 96 500 1,000 1,800 4,000 – 4 –

Educational services ........................................ 100 89 500 750 1,500 2,000 4,500 11 –

Junior colleges, colleges, and universities ... 100 86 500 750 – – 4,500 14 –

Health care and social assistance ................... 100 97 500 1,000 2,000 4,000 – 3 –

1 to 99 workers ........................................................ 100 94 600 1,000 2,400 4,000 6,000 6 1 ( )

1 to 49 workers .................................................... 100 94 600 1,250 2,250 4,500 6,000 6 1 ( )

50 to 99 workers .................................................. 100 94 600 1,000 2,500 4,000 6,000 6 –

100 workers or more ................................................ 100 94 500 1,000 2,000 3,500 5,500 6 –

100 to 499 workers .............................................. 100 96 700 1,050 2,500 4,100 6,000 4 –

500 workers or more ............................................ 100 92 400 600 1,250 3,000 4,000 8 –

Geographic area

New England ........................................................... 100 98 500 800 – 4,500 5,000 – –

Middle Atlantic ......................................................... 100 91 500 800 1,800 3,000 5,000 9 –

South Atlantic ........................................................... 100 94 600 1,000 2,500 4,000 6,000 6 –

East South Central ................................................... 100 98 500 – 1,500 – 6,000 – –

West South Central .................................................. 100 97 600 1,000 2,500 4,000 6,000 3 –

East North Central ................................................... 100 96 600 1,200 2,400 4,500 – 4 –

West North Central .................................................. 100 94 700 1,000 3,000 4,000 6,000 6 –

Mountain .................................................................. 100 95 500 1,000 1,500 – 5,500 5 1 ( )

Pacific ...................................................................... 100 88 500 1,000 1,500 3,000 5,000 12 1 ( )

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 24. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National

Compensation Survey, 2013

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 0.4 $78 $18 $92 $9 $539 0.4 1 ( )

Management, professional, and related .................. 0.7 48 111 184 519 635 0.7 –

Management, business, and financial ................. 0.8 0 158 419 509 756 0.8 –

Professional and related ...................................... 0.9 0 41 197 471 848 0.9 –

Service ..................................................................... 1.2 0 – 337 753 109 1.2 –

Sales and office ....................................................... 0.6 137 219 335 280 519 0.6 1 ( )

Sales and related ................................................. 1.3 112 75 505 541 289 1.3 1 ( )

Office and administrative support ........................ 0.6 52 126 536 436 496 0.6 0.1

Natural resources, construction, and maintenance 1.4 26 18 253 0 713 1.4 –

Installation, maintenance, and repair ................... 2.0 43 116 432 91 299 2.0 –

Production, transportation, and material moving ..... 1.6 114 58 209 679 674 1.6 –

Production ............................................................ 2.0 0 126 380 724 474 2.0 –

Transportation and material moving .................... 2.6 32 263 277 1,271 – – –

Full time ................................................................... 0.4 18 0 191 151 428 0.4 1 ( )

Part time .................................................................. 2.7 0 – 447 0 0 – –

Union ....................................................................... 2.6 – 46 41 – 1,308 2.6 –

Nonunion ................................................................. 0.4 0 29 166 0 215 0.4 1 ( )

Average wage within the following categories2:

Lowest 25 percent ............................................... 1.0 108 102 488 705 398 – –

Second 25 percent ............................................... 0.7 97 41 255 566 82 0.7 1 ( )

Third 25 percent ................................................... 0.9 0 26 221 102 103 0.9 –

Highest 25 percent ............................................... 1.0 22 133 336 0 283 1.0 –

Highest 10 percent ........................................... 1.5 94 214 – 0 503 1.5 –

Establishment characteristic

Goods-producing industries ..................................... 1.3 46 131 389 274 166 1.3 –

Construction ......................................................... 2.8 18 26 464 562 316 – –

Manufacturing ...................................................... 1.4 88 148 436 402 556 1.4 –

Service-providing industries ..................................... 0.5 94 0 241 0 464 0.5 1 ( )

Trade, transportation, and utilities ....................... 0.8 82 173 167 310 0 0.8 0.1

Wholesale trade ............................................... 1.7 101 303 580 880 1,747 – –

Retail trade ...................................................... 1.0 211 412 139 447 204 1.0 –

Information ........................................................... 3.3 48 48 – 145 0 3.3 –

Financial activities ................................................ 1.1 0 135 149 0 395 – –

Finance and insurance .................................... 1.3 0 202 106 0 323 – –

See footnotes at end of table.
Table 24. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National

Compensation Survey, 2013—continued

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 0.6 $76 $78 $524 $13 $82 – –

Insurance carriers and related activities ...... 3.4 185 0 120 52 0 – –

Professional and business services ..................... 0.8 174 333 504 739 393 – –

Education and health services ............................. 0.7 0 156 386 520 – 0.7 –

Educational services ........................................ 2.6 72 47 342 450 920 2.6 –

Junior colleges, colleges, and universities ... 3.4 44 0 – – 1,062 3.4 –

Health care and social assistance ................... 0.7 0 61 565 382 – 0.7 –

1 to 99 workers ........................................................ 0.6 0 187 292 318 220 0.6 1 ( )

1 to 49 workers .................................................... 0.8 36 329 377 651 814 0.8 1 ( )

50 to 99 workers .................................................. 1.6 32 175 662 379 943 1.6 –

100 workers or more ................................................ 0.8 9 120 213 392 294 0.8 –

100 to 499 workers .............................................. 0.8 129 66 230 427 182 0.8 –

500 workers or more ............................................ 1.3 111 143 222 288 625 1.3 –

Geographic area

New England ........................................................... 1.5 109 194 – 728 126 – –

Middle Atlantic ......................................................... 1.1 0 211 488 0 137 1.1 –

South Atlantic ........................................................... 0.7 91 121 76 53 766 0.7 –

East South Central ................................................... 0.5 0 – 0 – 607 – –

West South Central .................................................. 0.6 29 147 335 355 310 0.6 –

East North Central ................................................... 0.9 126 334 383 401 – 0.9 –

West North Central .................................................. 1.5 168 184 499 36 381 1.5 –

Mountain .................................................................. 0.6 145 242 27 – 652 0.5 0.2

Pacific ...................................................................... 2.7 26 84 253 0 868 2.7 1 ( )

1 Less than 0.05. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 25. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey, 2013

(All workers participating in fee-for-service plans with coinsurance = 100 percent)

Characteristics Total

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Most

generous

coverage1

Worker characteristic

All workers ............................................................... 100 – – 90 80 60 90 –

Management, professional, and related .................. 100 – – 90 80 60 90 –

Management, business, and financial ................. 100 11 80 89 80 60 90 –

Professional and related ...................................... 100 – – 91 80 60 90 –

Service ..................................................................... 100 12 80 88 80 60 90 –

Sales and office ....................................................... 100 8 80 92 80 60 90 –

Sales and related ................................................. 100 10 80 90 80 60 90 –

Office and administrative support ........................ 100 7 80 93 80 60 90 –

Natural resources, construction, and maintenance 100 14 80 86 80 60 80 –

Installation, maintenance, and repair ................... 100 9 80 91 80 60 70 –

Production, transportation, and material moving ..... 100 10 80 90 80 60 80 –

Production ............................................................ 100 8 80 92 80 60 90 –

Transportation and material moving .................... 100 13 80 87 80 60 80 –

Full time ................................................................... 100 – – 90 80 60 90 –

Part time .................................................................. 100 14 80 86 80 60 80 –

Union ....................................................................... 100 20 80 80 85 65 80 –

Nonunion ................................................................. 100 – – 91 80 60 90 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 100 12 80 88 80 60 90 –

Second 25 percent ............................................... 100 – – 91 80 60 90 –

Third 25 percent ................................................... 100 8 80 92 80 60 90 –

Highest 25 percent ............................................... 100 – – 89 80 60 90 –

Highest 10 percent ........................................... 100 10 80 90 80 60 90 –

Establishment characteristic

Goods-producing industries ..................................... 100 12 80 88 80 60 90 –

Construction ......................................................... 100 29 80 71 85 60 – –

Manufacturing ...................................................... 100 – – 92 80 60 – –

Service-providing industries ..................................... 100 – – 91 80 60 90 –

Trade, transportation, and utilities ....................... 100 10 80 90 80 60 80 –

Wholesale trade ............................................... 100 8 80 92 80 60 – –

Retail trade ...................................................... 100 12 80 88 80 50 90 –

Information ........................................................... 100 13 90 87 90 60 – –

Financial activities ................................................ 100 8 80 92 80 60 – –

Finance and insurance .................................... 100 10 80 90 80 60 – –

See footnotes at end of table.
Table 25. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey,

2013—continued

(All workers participating in fee-for-service plans with coinsurance = 100 percent)

Characteristics Total

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Most

generous

coverage1

Credit intermediation and related activities .. 100 5 80 95 80 60 – –

Insurance carriers and related activities ...... 100 12 80 88 90 60 – –

Professional and business services ..................... 100 8 80 92 80 60 90 –

Education and health services ............................. 100 – – 91 80 60 90 –

Educational services ........................................ 100 – – 90 90 65 90 –

Junior colleges, colleges, and universities ... 100 – – 90 85 70 90 –

Health care and social assistance ................... 100 9 80 91 80 60 90 –

1 to 99 workers ........................................................ 100 – – 90 80 60 80 –

1 to 49 workers .................................................... 100 – – 91 80 60 80 –

50 to 99 workers .................................................. 100 12 80 88 80 60 80 –

100 workers or more ................................................ 100 10 80 90 80 60 90 –

100 to 499 workers .............................................. 100 10 80 90 80 60 90 –

500 workers or more ............................................ 100 9 80 91 80 60 100 –

Geographic area

New England ........................................................... 100 – – 91 80 60 90 –

Middle Atlantic ......................................................... 100 16 80 84 90 60 100 –

South Atlantic ........................................................... 100 8 80 92 80 60 90 –

East South Central ................................................... 100 – – 88 80 60 90 –

West South Central .................................................. 100 11 80 89 80 60 90 –

East North Central ................................................... 100 – – 95 80 60 90 –

West North Central .................................................. 100 – – 91 80 60 80 –

Mountain .................................................................. 100 14 80 86 80 60 80 –

Pacific ...................................................................... 100 – – 90 80 60 90 –

1 Refers to deductible or coinsurance amounts for the most generous benefits received in

Point-of-Service plans. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that

no data were reported or that data do not meet publication criteria. For definitions of major plans,

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 25. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National

Compensation Survey, 2013

Characteristics

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Most

generous

coverage1

Worker characteristic

All workers ............................................................... – – 0.9 0.0 0.0 0.0 –

Management, professional, and related .................. – – 1.2 0.0 0.0 0.0 –

Management, business, and financial ................. 1.4 0.0 1.4 0.0 0.0 3.2 –

Professional and related ...................................... – – 1.6 0.0 0.0 1.8 –

Service ..................................................................... 2.7 0.0 2.7 0.0 0.0 0.0 –

Sales and office ....................................................... 1.2 0.0 1.2 0.0 0.0 0.0 –

Sales and related ................................................. 2.2 0.0 2.2 0.0 0.0 12.8 –

Office and administrative support ........................ 1.1 0.0 1.1 0.0 0.0 0.0 –

Natural resources, construction, and maintenance 4.1 0.0 4.1 0.0 0.0 5.8 –

Installation, maintenance, and repair ................... 1.7 0.0 1.7 1.6 0.0 15.1 –

Production, transportation, and material moving ..... 1.8 0.0 1.8 0.0 0.0 11.3 –

Production ............................................................ 2.3 0.0 2.3 0.0 0.0 7.1 –

Transportation and material moving .................... 2.9 0.0 2.9 0.0 0.0 0.0 –

Full time ................................................................... – – 0.9 0.0 0.0 0.0 –

Part time .................................................................. 4.2 0.0 4.2 0.0 0.0 0.0 –

Union ....................................................................... 4.5 0.0 4.5 2.4 6.1 12.2 –

Nonunion ................................................................. – – 0.8 0.0 0.0 0.0 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 2.6 0.0 2.6 0.0 0.0 5.2 –

Second 25 percent ............................................... – – 1.5 0.0 0.0 9.2 –

Third 25 percent ................................................... 0.9 0.0 0.9 0.0 0.0 0.0 –

Highest 25 percent ............................................... – – 1.7 0.0 0.0 0.0 –

Highest 10 percent ........................................... 1.7 0.0 1.7 1.3 0.0 12.8 –

Establishment characteristic

Goods-producing industries ..................................... 2.5 0.0 2.5 0.0 0.0 8.9 –

Construction ......................................................... 7.0 0.0 7.0 4.8 7.3 – –

Manufacturing ...................................................... – – 2.8 0.9 0.0 – –

Service-providing industries ..................................... – – 0.9 0.0 0.0 0.0 –

Trade, transportation, and utilities ....................... 1.9 0.0 1.9 0.0 0.0 1.3 –

Wholesale trade ............................................... 2.2 2.4 2.2 0.0 0.0 – –

Retail trade ...................................................... 3.2 0.0 3.2 0.0 5.8 10.9 –

Information ........................................................... 2.9 6.3 2.9 0.0 10.2 – –

Financial activities ................................................ 1.5 0.0 1.5 0.0 0.0 – –

Finance and insurance .................................... 1.7 0.0 1.7 3.2 0.0 – –

See footnotes at end of table.
Table 25. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National

Compensation Survey, 2013—continued

Characteristics

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Most

generous

coverage1

Credit intermediation and related activities .. 1.2 0.0 1.2 0.0 0.0 – –

Insurance carriers and related activities ...... 2.6 0.0 2.6 6.8 1.3 – –

Professional and business services ..................... 1.9 0.0 1.9 0.0 0.0 7.3 –

Education and health services ............................. – – 1.9 0.0 0.0 0.0 –

Educational services ........................................ – – 3.0 5.1 9.7 11.2 –

Junior colleges, colleges, and universities ... – – 3.4 8.6 7.1 14.4 –

Health care and social assistance ................... 2.1 0.0 2.1 0.0 0.0 0.0 –

1 to 99 workers ........................................................ – – 1.5 0.0 0.0 0.0 –

1 to 49 workers .................................................... – – 1.3 0.0 0.0 0.0 –

50 to 99 workers .................................................. 3.4 0.0 3.4 0.0 0.0 0.0 –

100 workers or more ................................................ 1.2 0.0 1.2 0.0 0.0 0.0 –

100 to 499 workers .............................................. 1.7 0.0 1.7 0.0 0.0 0.0 –

500 workers or more ............................................ 1.5 0.0 1.5 2.0 0.0 6.3 –

Geographic area

New England ........................................................... – – 3.1 5.8 5.3 0.0 –

Middle Atlantic ......................................................... 3.9 0.0 3.9 6.1 1.8 0.0 –

South Atlantic ........................................................... 2.2 0.0 2.2 0.0 0.0 14.0 –

East South Central ................................................... – – 3.8 0.0 0.0 4.5 –

West South Central .................................................. 1.1 0.0 1.1 0.0 0.0 6.8 –

East North Central ................................................... – – 2.4 0.0 0.0 8.0 –

West North Central .................................................. – – 3.5 0.0 0.0 4.6 –

Mountain .................................................................. 2.4 0.0 2.4 0.0 0.0 12.2 –

Pacific ...................................................................... – – 2.0 0.0 0.0 6.9 –

1 Refers to deductible or coinsurance amounts for the most generous benefits received

in Point-of-Service plans. 2 Surveyed occupations are classified into wage categories based on the average

wage for the occupation, which may include workers with earnings both above and below

the threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 26. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1

 private industry workers, National

Compensation Survey, 2013

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 100 89 $1,000 $1,400 $2,000 $2,750 $4,000 10 2 ( )

Management, professional, and related .................. 100 88 850 1,250 2,000 2,500 3,500 12 2 ( )

Management, business, and financial ................. 100 92 1,000 1,500 2,000 2,700 3,500 8 2 ( )

Professional and related ...................................... 100 86 575 1,000 1,500 2,500 3,600 14 2 ( )

Service ..................................................................... 100 79 1,000 1,500 2,000 3,000 4,400 18 2

Sales and office ....................................................... 100 93 1,000 1,500 2,250 3,000 4,000 7 2 ( )

Sales and related ................................................. 100 98 1,000 1,500 2,300 3,250 4,000 – –

Office and administrative support ........................ 100 90 1,000 1,500 2,000 3,000 4,000 10 2 ( )

Natural resources, construction, and maintenance 100 89 1,000 1,150 1,800 2,500 3,250 10 1

Installation, maintenance, and repair ................... 100 87 1,000 1,250 2,000 2,715 3,250 13 –

Production, transportation, and material moving ..... 100 91 900 1,500 2,000 2,800 4,000 9 1

Production ............................................................ 100 92 1,000 1,500 2,000 2,800 4,000 7 1

Transportation and material moving .................... 100 90 800 1,250 2,000 2,750 4,000 10 –

Full time ................................................................... 100 89 1,000 1,400 2,000 2,750 4,000 10 2 ( )

Part time .................................................................. 100 86 1,000 1,400 2,000 2,750 3,500 – –

Union ....................................................................... 100 77 750 1,000 1,500 2,500 4,000 22 1

Nonunion ................................................................. 100 91 1,000 1,500 2,000 2,750 3,900 9 2 ( )

Average wage within the following categories3:

Lowest 25 percent ............................................... 100 94 1,000 1,750 2,250 3,250 4,000 – –

Second 25 percent ............................................... 100 91 1,000 1,500 2,000 3,000 4,250 9 –

Third 25 percent ................................................... 100 89 1,000 1,350 2,000 2,750 3,600 11 2 ( )

Highest 25 percent ............................................... 100 87 900 1,150 1,750 2,500 3,300 13 2 ( )

Highest 10 percent ........................................... 100 87 900 1,250 1,700 2,500 3,025 13 2 ( )

Establishment characteristic

Goods-producing industries ..................................... 100 90 1,000 1,300 2,000 2,530 3,600 9 1

Construction ......................................................... 100 84 950 1,150 2,000 2,500 3,000 13 2

Manufacturing ...................................................... 100 90 900 1,300 2,000 2,500 4,000 9 1

Service-providing industries ..................................... 100 89 1,000 1,500 2,000 2,900 4,000 11 2 ( )

Trade, transportation, and utilities ....................... 100 96 1,000 1,500 2,300 3,250 4,000 4 –

Wholesale trade ............................................... 100 98 1,000 1,500 2,000 3,000 3,800 – –

Retail trade ...................................................... 100 99 1,000 2,000 2,500 3,250 4,250 – –

Information ........................................................... 100 89 1,000 1,000 1,250 2,000 3,025 – –

Financial activities ................................................ 100 89 1,000 1,500 2,000 2,500 3,500 11 –

Finance and insurance .................................... 100 88 1,000 1,500 2,000 2,500 3,300 12 –

See footnotes at end of table.
Table 26. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1

 private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 100 92 $1,000 $1,500 $2,000 $2,500 $3,000 – –

Insurance carriers and related activities ...... 100 87 1,000 1,250 2,000 2,650 3,900 – –

Professional and business services ..................... 100 92 1,000 1,500 2,000 2,500 3,500 – –

Education and health services ............................. 100 83 650 1,000 1,500 2,900 4,500 17 –

Educational services ........................................ 100 79 575 1,000 1,500 2,000 2,750 21 –

Junior colleges, colleges, and universities ... 100 83 800 1,000 1,500 2,100 3,000 17 –

Health care and social assistance ................... 100 84 650 1,000 1,500 3,000 4,500 16 –

1 to 99 workers ........................................................ 100 91 1,000 1,500 2,000 3,000 4,000 8 1

1 to 49 workers .................................................... 100 89 1,000 1,400 2,000 3,000 4,000 10 1

50 to 99 workers .................................................. 100 95 900 1,500 2,000 2,900 4,250 5 –

100 workers or more ................................................ 100 88 1,000 1,350 2,000 2,700 3,500 12 2 ( )

100 to 499 workers .............................................. 100 92 1,000 1,500 2,000 2,750 3,500 8 2 ( )

500 workers or more ............................................ 100 83 900 1,250 1,750 2,500 3,750 17 2 ( )

Geographic area

New England ........................................................... 100 82 1,000 1,500 2,125 2,500 3,500 18 –

Middle Atlantic ......................................................... 100 73 1,000 1,250 2,000 2,850 3,800 27 –

South Atlantic ........................................................... 100 92 1,000 1,500 2,000 3,000 4,500 – –

East South Central ................................................... 100 93 500 1,000 2,000 2,700 4,000 – –

West South Central .................................................. 100 96 1,000 1,700 2,500 3,200 4,000 3 1

East North Central ................................................... 100 90 500 1,000 1,650 2,500 3,250 8 1

West North Central .................................................. 100 95 1,000 1,350 2,000 2,500 3,250 – –

Mountain .................................................................. 100 90 1,000 1,500 2,000 2,700 3,250 – –

Pacific ...................................................................... 100 90 1,000 1,400 2,000 2,500 4,000 9 1

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a

participant or a family must pay after the deductible has been satisfied. Once reached, covered

expenses are fully reimbursed for the rest of the year. 2 Less than 0.5. 3 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 26. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1

 private industry

workers, National Compensation Survey, 2013

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 0.9 $13 $126 $0 $68 $234 0.9 0.3

Management, professional, and related .................. 1.5 122 54 258 98 471 1.5 0.2

Management, business, and financial ................. 1.3 0 0 35 91 173 1.2 0.2

Professional and related ...................................... 2.2 203 24 101 0 667 2.2 0.2

Service ..................................................................... 3.4 229 343 79 406 335 3.7 2.4

Sales and office ....................................................... 1.3 0 0 116 16 298 1.3 0.1

Sales and related ................................................. 0.9 0 137 116 268 175 – –

Office and administrative support ........................ 1.8 0 18 132 83 488 1.8 0.1

Natural resources, construction, and maintenance 2.2 9 156 375 83 216 2.1 0.5

Installation, maintenance, and repair ................... 3.3 32 354 74 140 296 3.3 –

Production, transportation, and material moving ..... 1.6 134 168 0 126 111 1.5 0.5

Production ............................................................ 1.9 75 0 0 147 550 1.6 0.9

Transportation and material moving .................... 2.6 82 277 112 316 52 2.6 –

Full time ................................................................... 1.0 46 127 0 74 104 1.0 0.2

Part time .................................................................. 3.5 182 251 209 323 500 – –

Union ....................................................................... 3.7 65 9 135 294 396 3.6 0.8

Nonunion ................................................................. 1.1 0 0 0 135 199 1.1 0.3

Average wage within the following categories2:

Lowest 25 percent ............................................... 2.3 110 290 53 273 334 – –

Second 25 percent ............................................... 1.6 89 0 125 0 356 1.6 –

Third 25 percent ................................................... 1.4 58 193 0 170 243 1.3 0.3

Highest 25 percent ............................................... 1.5 126 195 194 0 216 1.5 0.2

Highest 10 percent ........................................... 1.8 132 263 194 0 254 1.7 0.3

Establishment characteristic

Goods-producing industries ..................................... 1.7 118 159 0 182 669 1.4 0.6

Construction ......................................................... 3.3 219 45 556 152 1,197 3.1 1.7

Manufacturing ...................................................... 1.8 145 303 0 77 497 1.6 0.7

Service-providing industries ..................................... 1.1 13 104 0 158 189 1.1 0.3

Trade, transportation, and utilities ....................... 1.0 0 159 74 109 36 1.0 –

Wholesale trade ............................................... 1.0 36 26 0 268 300 – –

Retail trade ...................................................... 0.6 372 183 54 0 291 – –

Information ........................................................... 3.7 0 0 303 36 315 – –

Financial activities ................................................ 1.9 35 0 0 276 91 1.9 –

Finance and insurance .................................... 2.2 0 135 0 0 308 2.2 –

See footnotes at end of table.
Table 26. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1

 private industry

workers, National Compensation Survey, 2013—continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 2.4 $0 $114 $0 $91 $244 – –

Insurance carriers and related activities ...... 4.1 125 303 0 360 391 – –

Professional and business services ..................... 3.0 176 0 128 122 446 – –

Education and health services ............................. 2.6 293 41 139 349 584 2.6 –

Educational services ........................................ 4.5 301 36 94 179 239 4.5 –

Junior colleges, colleges, and universities ... 4.4 49 111 52 359 327 4.4 –

Health care and social assistance ................... 3.0 383 69 165 84 707 3.0 –

1 to 99 workers ........................................................ 1.2 143 174 0 84 0 1.0 0.5

1 to 49 workers .................................................... 1.9 132 208 0 92 18 1.5 0.8

50 to 99 workers .................................................. 1.3 396 71 154 323 1,108 1.3 –

100 workers or more ................................................ 1.4 0 128 0 139 30 1.4 0.2

100 to 499 workers .............................................. 1.7 0 52 52 115 69 1.7 0.4

500 workers or more ............................................ 2.5 64 123 121 73 513 2.5 0.3

Geographic area

New England ........................................................... 5.1 0 231 180 8 188 5.1 –

Middle Atlantic ......................................................... 3.5 175 266 0 305 273 3.5 –

South Atlantic ........................................................... 2.7 0 0 68 16 393 – –

East South Central ................................................... 3.3 273 409 55 305 316 – –

West South Central .................................................. 1.0 79 325 124 352 0 0.7 0.6

East North Central ................................................... 2.5 173 0 134 129 202 2.1 1.3

West North Central .................................................. 1.8 0 151 179 56 390 – –

Mountain .................................................................. 3.4 132 210 260 348 188 – –

Pacific ...................................................................... 2.2 0 145 27 294 251 1.6 1.0

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a

participant or a family must pay after the deductible has been satisfied. Once reached, covered

expenses are fully reimbursed for the rest of the year. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 27. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1

 private industry workers, National

Compensation Survey, 2013

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 100 87 $2,000 $3,000 $4,000 $6,000 $7,500 13 2 ( )

Management, professional, and related .................. 100 87 1,600 2,600 4,000 5,400 7,000 13 2 ( )

Management, business, and financial ................. 100 90 2,400 3,000 4,000 5,400 7,000 10 2 ( )

Professional and related ...................................... 100 85 1,500 2,500 3,500 5,500 7,000 15 2 ( )

Service ..................................................................... 100 73 2,000 3,000 4,400 6,000 8,000 24 2

Sales and office ....................................................... 100 91 2,000 3,000 4,500 6,000 7,800 9 2 ( )

Sales and related ................................................. 100 95 2,000 3,000 4,600 6,500 7,500 5 –

Office and administrative support ........................ 100 88 2,000 3,000 4,500 6,000 8,000 11 2 ( )

Natural resources, construction, and maintenance 100 87 1,950 2,700 3,800 5,800 7,500 13 1

Installation, maintenance, and repair ................... 100 85 2,000 3,000 4,000 6,000 7,000 15 –

Production, transportation, and material moving ..... 100 86 1,900 3,000 4,000 5,700 7,750 13 1

Production ............................................................ 100 89 2,000 3,000 4,000 5,500 8,100 10 1

Transportation and material moving .................... 100 83 1,500 3,000 4,400 6,000 7,500 17 –

Full time ................................................................... 100 87 2,000 3,000 4,000 6,000 7,500 13 2 ( )

Part time .................................................................. 100 78 2,500 3,000 4,100 6,000 6,500 – –

Union ....................................................................... 100 67 1,500 2,000 3,000 5,000 7,200 32 1

Nonunion ................................................................. 100 89 2,000 3,000 4,200 6,000 7,500 10 2 ( )

Average wage within the following categories3:

Lowest 25 percent ............................................... 100 88 2,500 4,000 4,600 6,100 7,500 – –

Second 25 percent ............................................... 100 87 2,000 3,000 4,500 6,000 8,000 13 –

Third 25 percent ................................................... 100 87 2,000 3,000 4,000 6,000 7,500 13 2 ( )

Highest 25 percent ............................................... 100 85 1,950 2,600 4,000 5,200 6,750 14 2 ( )

Highest 10 percent ........................................... 100 85 2,000 2,700 4,000 5,200 6,750 14 2 ( )

Establishment characteristic

Goods-producing industries ..................................... 100 87 1,950 2,650 4,000 5,350 6,750 12 1

Construction ......................................................... 100 81 1,950 2,000 – 5,200 7,500 16 2

Manufacturing ...................................................... 100 88 2,000 2,650 4,000 5,000 6,750 12 1

Service-providing industries ..................................... 100 86 2,000 3,000 4,350 6,000 7,600 13 2 ( )

Trade, transportation, and utilities ....................... 100 91 2,500 3,250 5,000 6,500 8,000 9 –

Wholesale trade ............................................... 100 94 2,000 3,000 4,500 6,000 7,500 – –

Retail trade ...................................................... 100 93 3,000 4,100 5,000 6,500 7,700 7 –

Information ........................................................... 100 84 2,000 2,500 3,000 4,400 7,500 16 –

Financial activities ................................................ 100 87 2,400 3,000 4,000 5,000 7,000 13 –

Finance and insurance .................................... 100 85 2,000 3,000 4,000 5,000 6,400 15 –

See footnotes at end of table.
Table 27. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1

 private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 100 90 $2,000 $3,000 $4,000 $5,000 $6,000 10 –

Insurance carriers and related activities ...... 100 83 2,400 3,000 4,000 5,300 6,450 17 –

Professional and business services ..................... 100 91 2,000 3,000 4,100 6,000 7,000 – –

Education and health services ............................. 100 82 1,500 2,500 3,750 6,000 9,000 18 –

Educational services ........................................ 100 77 1,500 2,500 3,800 5,000 6,000 23 –

Junior colleges, colleges, and universities ... 100 80 2,000 2,500 3,750 5,250 6,900 20 –

Health care and social assistance ................... 100 83 1,500 2,500 3,750 6,000 10,000 17 –

1 to 99 workers ........................................................ 100 88 2,000 3,000 4,000 6,000 7,800 11 1

1 to 49 workers .................................................... 100 88 2,000 3,000 4,000 6,000 7,500 11 1

50 to 99 workers .................................................. 100 90 2,000 3,000 4,500 6,750 10,000 10 –

100 workers or more ................................................ 100 85 2,000 3,000 4,100 5,500 7,000 14 2 ( )

100 to 499 workers .............................................. 100 90 2,000 3,000 4,350 6,000 7,200 10 2 ( )

500 workers or more ............................................ 100 79 1,950 2,700 4,000 5,250 6,600 21 2 ( )

Geographic area

New England ........................................................... 100 82 2,000 3,000 4,400 6,000 7,500 18 –

Middle Atlantic ......................................................... 100 69 2,000 3,000 4,350 5,800 7,700 31 –

South Atlantic ........................................................... 100 88 2,100 3,000 4,500 6,000 8,200 12 –

East South Central ................................................... 100 88 1,500 2,800 4,350 6,000 7,600 – –

West South Central .................................................. 100 94 2,000 3,800 5,000 6,900 10,000 5 1

East North Central ................................................... 100 89 1,500 2,000 3,250 5,000 6,750 9 1

West North Central .................................................. 100 93 2,000 3,000 4,000 5,000 6,500 – –

Mountain .................................................................. 100 87 2,000 3,000 4,500 5,400 6,500 13 –

Pacific ...................................................................... 100 88 2,000 3,000 4,000 6,000 7,500 12 1

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a

participant or a family must pay after the deductible has been satisfied. Once reached, covered

expenses are fully reimbursed for the rest of the year. 2 Less than 0.5. 3 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no

data were reported or that data do not meet publication criteria. For definitions of major plans, key

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 27. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1

 private industry

workers, National Compensation Survey, 2013

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 1.0 $13 $0 $152 $122 $137 0.9 0.3

Management, professional, and related .................. 1.6 399 222 0 314 185 1.5 0.2

Management, business, and financial ................. 1.4 426 145 150 85 170 1.4 0.2

Professional and related ...................................... 2.2 18 389 415 685 529 2.2 0.2

Service ..................................................................... 3.4 172 55 353 613 900 3.9 2.4

Sales and office ....................................................... 1.3 206 141 32 442 607 1.3 0.1

Sales and related ................................................. 0.9 296 330 186 489 417 0.9 –

Office and administrative support ........................ 1.9 319 213 173 369 1,338 1.9 0.1

Natural resources, construction, and maintenance 2.3 20 395 805 622 720 2.2 0.5

Installation, maintenance, and repair ................... 3.5 0 471 477 440 828 3.5 –

Production, transportation, and material moving ..... 1.7 399 0 154 307 551 1.6 0.5

Production ............................................................ 2.2 124 0 0 287 2,167 1.9 0.9

Transportation and material moving .................... 2.6 418 187 455 264 228 2.6 –

Full time ................................................................... 1.0 27 0 143 117 242 1.0 0.2

Part time .................................................................. 4.9 0 133 392 861 0 – –

Union ....................................................................... 4.0 68 230 454 344 803 3.9 0.8

Nonunion ................................................................. 1.2 0 0 248 0 174 1.1 0.3

Average wage within the following categories2:

Lowest 25 percent ............................................... 2.9 766 602 368 285 206 – –

Second 25 percent ............................................... 1.6 149 0 111 36 1,247 1.6 –

Third 25 percent ................................................... 1.4 74 0 18 66 118 1.4 0.3

Highest 25 percent ............................................... 1.4 203 271 129 276 316 1.4 0.2

Highest 10 percent ........................................... 1.7 254 347 535 298 712 1.7 0.3

Establishment characteristic

Goods-producing industries ..................................... 1.7 112 332 0 342 571 1.5 0.6

Construction ......................................................... 3.3 389 47 – 831 1,227 3.2 1.7

Manufacturing ...................................................... 1.9 288 287 0 72 842 1.7 0.7

Service-providing industries ..................................... 1.2 0 0 358 0 304 1.1 0.3

Trade, transportation, and utilities ....................... 1.0 18 369 359 130 966 1.0 –

Wholesale trade ............................................... 2.2 619 0 481 354 509 – –

Retail trade ...................................................... 1.1 0 230 120 0 222 1.1 –

Information ........................................................... 3.8 112 55 125 625 1,665 3.8 –

Financial activities ................................................ 2.1 245 84 0 52 544 2.1 –

Finance and insurance .................................... 2.4 291 0 0 0 468 2.4 –

See footnotes at end of table.
Table 27. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1

 private industry

workers, National Compensation Survey, 2013—continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 2.6 $0 $0 $0 $698 $537 2.6 –

Insurance carriers and related activities ...... 4.6 402 252 0 438 1,437 4.6 –

Professional and business services ..................... 3.0 563 0 396 234 522 – –

Education and health services ............................. 2.7 164 81 471 0 2,462 2.7 –

Educational services ........................................ 4.8 774 158 259 569 722 4.8 –

Junior colleges, colleges, and universities ... 4.6 52 108 323 1,028 2,095 4.6 –

Health care and social assistance ................... 3.0 122 128 599 0 3,352 3.0 –

1 to 99 workers ........................................................ 1.3 325 0 321 0 451 1.1 0.5

1 to 49 workers .................................................... 2.0 402 0 98 147 145 1.6 0.8

50 to 99 workers .................................................. 2.2 696 55 443 943 4,469 2.2 –

100 workers or more ................................................ 1.5 9 41 172 292 247 1.4 0.2

100 to 499 workers .............................................. 1.9 0 36 296 225 366 1.9 0.4

500 workers or more ............................................ 2.4 152 260 0 120 396 2.4 0.3

Geographic area

New England ........................................................... 5.1 432 293 464 641 689 5.1 –

Middle Atlantic ......................................................... 2.9 153 0 406 9 414 2.9 –

South Atlantic ........................................................... 2.9 357 200 18 0 1,985 2.9 –

East South Central ................................................... 3.9 0 535 441 0 792 – –

West South Central .................................................. 1.1 302 855 143 671 2,625 0.9 0.6

East North Central ................................................... 2.6 0 546 242 327 316 2.1 1.3

West North Central .................................................. 2.2 120 0 473 555 832 – –

Mountain .................................................................. 3.3 338 0 502 576 1,351 3.3 –

Pacific ...................................................................... 1.9 0 85 223 679 620 1.4 1.0

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a

participant or a family must pay after the deductible has been satisfied. Once reached, covered

expenses are fully reimbursed for the rest of the year. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria.

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

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 28. Fee-for-service plans: Coverage for selected services,1

 private industry

workers, National Compensation Survey, 2013

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Worker characteristic

All workers ............................................................... 97 90 90 99

Management, professional, and related .................. 94 88 88 100

Management, business, and financial ................. 96 91 91 100

Professional and related ...................................... 93 86 86 100

Service ..................................................................... 98 94 94 98

Sales and office ....................................................... 98 91 91 99

Sales and related ................................................. 98 93 94 98

Office and administrative support ........................ 98 89 89 99

Natural resources, construction, and maintenance 96 93 93 100

Installation, maintenance, and repair ................... 96 91 91 100

Production, transportation, and material moving ..... 98 90 90 98

Production ............................................................ 97 92 92 100

Transportation and material moving .................... 99 88 88 95

Full time ................................................................... 96 91 91 99

Part time .................................................................. 99 84 84 96

Union ....................................................................... 98 97 97 98

Nonunion ................................................................. 96 89 89 99

Average wage within the following categories2:

Lowest 25 percent ............................................... 98 88 88 97

Second 25 percent ............................................... 97 90 90 98

Third 25 percent ................................................... 96 91 91 100

Highest 25 percent ............................................... 96 91 91 100

Highest 10 percent ........................................... 95 89 89 100

Establishment characteristic

Goods-producing industries ..................................... 96 92 92 100

Construction ......................................................... 93 91 91 100

Manufacturing ...................................................... 96 92 92 100

Service-providing industries ..................................... 97 89 90 99

Trade, transportation, and utilities ....................... 99 91 90 98

Wholesale trade ............................................... 99 87 84 96

Retail trade ...................................................... 98 93 93 97

Information ........................................................... 100 98 98 100

Financial activities ................................................ 94 93 93 100

Finance and insurance .................................... 93 93 93 100

See footnotes at end of table.
Table 28. Fee-for-service plans: Coverage for selected services,1

 private industry

workers, National Compensation Survey, 2013—continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Credit intermediation and related activities .. 91 90 90 100

Insurance carriers and related activities ...... 95 97 97 100

Professional and business services ..................... 97 89 89 100

Education and health services ............................. 94 86 87 98

Educational services ........................................ 92 94 94 100

Junior colleges, colleges, and universities ... 98 98 98 100

Health care and social assistance ................... 94 84 86 98

1 to 99 workers ........................................................ 95 88 87 99

1 to 49 workers .................................................... 94 87 86 99

50 to 99 workers .................................................. 98 90 90 99

100 workers or more ................................................ 98 92 92 99

100 to 499 workers .............................................. 97 89 90 98

500 workers or more ............................................ 99 95 96 99

Geographic area

New England ........................................................... 96 93 93 100

Middle Atlantic ......................................................... 96 97 97 99

South Atlantic ........................................................... 98 86 87 98

East South Central ................................................... 98 92 92 100

West South Central .................................................. 98 94 94 100

East North Central ................................................... 91 83 83 100

West North Central .................................................. 96 – – 97

Mountain .................................................................. 100 99 98 100

Pacific ...................................................................... 98 96 96 100

1 The remaining workers include both workers not

receiving the benefit and workers for whom the availability of

the benefit could not be determined. 2 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data

do not meet publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 28. Standard errors for fee-for-service plans: Coverage for selected

services,1

 private industry workers, National Compensation Survey, 2013

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Worker characteristic

All workers ............................................................... 0.5 1.1 1.0 0.3

Management, professional, and related .................. 1.3 2.1 2.0 0.1

Management, business, and financial ................. 1.0 1.4 1.4 2 ( )

Professional and related ...................................... 1.9 3.0 3.0 0.2

Service ..................................................................... 1.1 2.0 1.9 0.8

Sales and office ....................................................... 0.5 1.4 1.3 0.5

Sales and related ................................................. 0.6 1.9 1.9 0.9

Office and administrative support ........................ 0.6 1.8 1.9 0.4

Natural resources, construction, and maintenance 1.1 1.4 1.4 0.1

Installation, maintenance, and repair ................... 1.8 2.3 2.3 2 ( )

Production, transportation, and material moving ..... 0.7 1.4 1.3 0.9

Production ............................................................ 1.0 1.5 1.5 2 ( )

Transportation and material moving .................... 0.7 3.0 2.7 2.0

Full time ................................................................... 0.6 1.0 0.9 0.3

Part time .................................................................. 0.4 7.1 7.1 2.2

Union ....................................................................... 1.0 1.0 1.1 1.1

Nonunion ................................................................. 0.6 1.2 1.2 0.3

Average wage within the following categories3:

Lowest 25 percent ............................................... 0.9 2.9 2.8 1.7

Second 25 percent ............................................... 1.1 1.8 1.8 0.7

Third 25 percent ................................................... 1.1 1.4 1.4 0.2

Highest 25 percent ............................................... 1.2 1.7 1.7 0.1

Highest 10 percent ........................................... 1.6 2.6 2.6 2 ( )

Establishment characteristic

Goods-producing industries ..................................... 0.9 1.2 1.2 2 ( )

Construction ......................................................... 2.1 2.7 2.7 2 ( )

Manufacturing ...................................................... 1.0 1.4 1.4 2 ( )

Service-providing industries ..................................... 0.6 1.4 1.3 0.4

Trade, transportation, and utilities ....................... 0.5 1.6 1.5 0.9

Wholesale trade ............................................... 0.8 2.8 2.8 2.6

Retail trade ...................................................... 0.9 1.4 1.4 1.4

Information ........................................................... 0.3 1.2 1.2 2 ( )

Financial activities ................................................ 1.2 1.3 1.3 2 ( )

Finance and insurance .................................... 1.4 1.3 1.3 0.1

See footnotes at end of table.
Table 28. Standard errors for fee-for-service plans: Coverage for selected

services,1

 private industry workers, National Compensation Survey,

2013—continued

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Credit intermediation and related activities .. 2.2 2.0 2.0 2 ( )

Insurance carriers and related activities ...... 2.7 1.7 1.7 0.1

Professional and business services ..................... 1.3 2.9 2.9 2 ( )

Education and health services ............................. 2.0 3.7 3.6 1.1

Educational services ........................................ 1.6 3.1 3.1 2 ( )

Junior colleges, colleges, and universities ... 1.2 1.2 1.2 2 ( )

Health care and social assistance ................... 2.3 4.2 4.1 1.3

1 to 99 workers ........................................................ 1.0 2.0 2.0 0.3

1 to 49 workers .................................................... 1.4 2.0 2.0 0.3

50 to 99 workers .................................................. 0.8 4.0 4.0 0.5

100 workers or more ................................................ 0.5 1.2 1.1 0.5

100 to 499 workers .............................................. 0.9 1.9 1.8 0.8

500 workers or more ............................................ 0.5 1.1 1.1 0.4

Geographic area

New England ........................................................... 2.0 3.9 3.9 2 ( )

Middle Atlantic ......................................................... 0.7 0.8 0.9 0.1

South Atlantic ........................................................... 0.7 2.2 2.1 1.2

East South Central ................................................... 1.5 1.0 1.2 0.1

West South Central .................................................. 0.6 1.5 1.5 0.2

East North Central ................................................... 2.2 4.0 3.8 0.4

West North Central .................................................. 2.5 – – 2.0

Mountain .................................................................. 2 ( ) 0.9 0.3 2 ( )

Pacific ...................................................................... 1.3 1.8 1.8 0.1

1 The remaining workers include both workers not

receiving the benefit and workers for whom the availability of

the benefit could not be determined. 2 Less than 0.05. 3 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data

do not meet publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 29. Fee-for-service plans: Coverage for mental health care and

substance abuse treatment,1

 private industry workers, National

Compensation Survey, 2013

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Inpatient

substance abuse

detoxification

Worker characteristic

All workers ............................................................... 82 80 80

Management, professional, and related .................. 82 80 79

Management, business, and financial ................. 86 85 84

Service ..................................................................... 81 – –

Sales and office ....................................................... 83 80 81

Sales and related ................................................. 87 84 85

Office and administrative support ........................ 80 – 80

Natural resources, construction, and maintenance 85 84 81

Installation, maintenance, and repair ................... 83 82 78

Production, transportation, and material moving ..... 82 79 81

Production ............................................................ 86 83 84

Full time ................................................................... 82 80 80

Part time .................................................................. 92 90 91

Union ....................................................................... 88 86 87

Nonunion ................................................................. 82 – 79

Average wage within the following categories2:

Lowest 25 percent ............................................... 80 80 77

Second 25 percent ............................................... 81 79 79

Third 25 percent ................................................... 82 – 80

Highest 25 percent ............................................... 85 83 82

Highest 10 percent ........................................... 86 84 84

Establishment characteristic

Goods-producing industries ..................................... 85 82 81

Construction ......................................................... 81 – –

Manufacturing ...................................................... 85 83 82

Service-providing industries ..................................... 82 80 80

Trade, transportation, and utilities ....................... 83 81 83

Retail trade ...................................................... 88 88 87

Information ........................................................... 86 83 82

Financial activities ................................................ 85 83 82

Finance and insurance .................................... 86 83 84

See footnotes at end of table.
Table 29. Fee-for-service plans: Coverage for mental health care and

substance abuse treatment,1

 private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Inpatient

substance abuse

detoxification

Credit intermediation and related activities .. 86 83 82

Insurance carriers and related activities ...... 85 82 84

Professional and business services ..................... 81 79 80

Education and health services ............................. 80 – –

Educational services:

 Junior colleges, colleges, and universities ... – – 73

Health care and social assistance ................... 82 81 80

1 to 99 workers:

50 to 99 workers ................................................ 87 86 84

100 workers or more ................................................ 86 84 83

100 to 499 workers .............................................. 84 82 82

500 workers or more ............................................ 88 87 85

Geographic area

New England ........................................................... 82 81 82

Middle Atlantic ......................................................... 84 82 83

South Atlantic ........................................................... 82 81 77

East South Central ................................................... 86 83 88

West South Central .................................................. 88 85 84

Mountain .................................................................. 86 83 85

Pacific ...................................................................... 89 87 87

1 The remaining workers include both workers not

receiving the benefit and workers for whom the

availability of the benefit could not be determined. 2 Surveyed occupations are classified into wage

categories based on the average wage for the

occupation, which may include workers with earnings

both above and below the threshold. The categories

were formed using percentile estimates generated

using data from the National Compensation Survey

publication, "Employer Costs for Employee

Compensation - March 2013."

Note: For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee

Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 29. Standard errors for fee-for-service plans: Coverage for mental

health care and substance abuse treatment,1

 private industry workers,

National Compensation Survey, 2013

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Inpatient

substance abuse

detoxification

Worker characteristic

All workers ............................................................... 1.0 1.0 1.0

Management, professional, and related .................. 1.8 1.7 1.9

Management, business, and financial ................. 1.7 1.7 1.8

Service ..................................................................... 3.7 – –

Sales and office ....................................................... 1.3 1.4 1.4

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

Office and administrative support ........................ 1.8 – 2.0

Natural resources, construction, and maintenance 2.1 2.5 2.7

Installation, maintenance, and repair ................... 2.9 2.9 3.5

Production, transportation, and material moving ..... 2.4 2.4 2.0

Production ............................................................ 3.2 3.3 2.6

Full time ................................................................... 1.0 1.1 1.1

Part time .................................................................. 3.6 3.7 3.6

Union ....................................................................... 2.4 2.7 2.3

Nonunion ................................................................. 1.0 – 1.1

Average wage within the following categories2:

Lowest 25 percent ............................................... 2.4 2.5 2.6

Second 25 percent ............................................... 1.8 1.8 1.7

Third 25 percent ................................................... 1.8 – 1.7

Highest 25 percent ............................................... 1.7 1.6 1.7

Highest 10 percent ........................................... 2.5 2.7 2.5

Establishment characteristic

Goods-producing industries ..................................... 2.1 2.4 2.0

Construction ......................................................... 3.5 – –

Manufacturing ...................................................... 2.6 2.7 2.4

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

Trade, transportation, and utilities ....................... 1.5 1.5 1.5

Retail trade ...................................................... 2.4 2.1 2.5

Information ........................................................... 6.1 6.2 6.4

Financial activities ................................................ 1.7 1.9 2.6

Finance and insurance .................................... 2.0 2.4 2.7

See footnotes at end of table.
Table 29. Standard errors for fee-for-service plans: Coverage for mental

health care and substance abuse treatment,1

 private industry workers,

National Compensation Survey, 2013—continued

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Inpatient

substance abuse

detoxification

Credit intermediation and related activities .. 2.9 3.2 2.9

Insurance carriers and related activities ...... 4.7 4.6 5.1

Professional and business services ..................... 3.0 3.2 3.4

Education and health services ............................. 3.6 – –

Educational services:

 Junior colleges, colleges, and universities ... – – 6.4

Health care and social assistance ................... 3.8 3.5 3.8

1 to 99 workers:

50 to 99 workers ................................................ 3.1 3.3 3.3

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

100 to 499 workers .............................................. 2.1 2.1 2.2

500 workers or more ............................................ 2.0 2.2 2.1

Geographic area

New England ........................................................... 4.6 4.6 4.6

Middle Atlantic ......................................................... 2.4 3.3 2.5

South Atlantic ........................................................... 2.7 2.6 2.6

East South Central ................................................... 2.7 2.9 3.2

West South Central .................................................. 1.7 1.9 1.9

Mountain .................................................................. 2.6 3.7 1.8

Pacific ...................................................................... 2.9 3.0 3.3

1 The remaining workers include both workers not

receiving the benefit and workers for whom the

availability of the benefit could not be determined. 2 Surveyed occupations are classified into wage

categories based on the average wage for the

occupation, which may include workers with earnings

both above and below the threshold. The categories

were formed using percentile estimates generated

using data from the National Compensation Survey

publication, "Employer Costs for Employee

Compensation - March 2013."

Note: For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee

Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 30. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation

Survey, 2013

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristic

All workers ............................................................... 43 57 – 24 76 – 66 34 1 ( )

Management, professional, and related .................. 47 53 – 21 79 – 62 38 –

Management, business, and financial ................. 53 47 – 24 76 – 74 26 –

Professional and related ...................................... 43 57 – 20 80 – 56 44 –

Service ..................................................................... 23 77 – 13 87 – 58 42 –

Sales and office ....................................................... 46 54 – 35 65 – 73 27 –

Sales and related ................................................. 52 48 – 41 59 – 74 26 –

Office and administrative support ........................ 43 57 – 32 68 – 72 28 –

Natural resources, construction, and maintenance 57 43 – 21 79 – 72 28 –

Installation, maintenance, and repair ................... 51 49 – – 84 – 61 39 –

Production, transportation, and material moving ..... 34 66 – 19 81 – 67 33 1 ( )

Transportation and material moving .................... 40 60 – 20 80 – 66 34 1

Full time ................................................................... 44 56 – 24 76 – 67 32 1 ( )

Part time .................................................................. – 83 – – 90 – 34 66 –

Union ....................................................................... 32 68 – 15 85 – 41 59 1 ( )

Nonunion ................................................................. 45 55 – 25 75 – 71 29 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 24 76 – 13 87 – 59 41 –

Second 25 percent ............................................... 50 50 – 26 74 – 62 38 –

Third 25 percent ................................................... 40 60 – 25 75 – 74 26 –

Highest 25 percent ............................................... 44 56 – 23 77 – 65 35 1 ( )

Highest 10 percent ........................................... 35 65 – 18 82 – 57 43 –

Establishment characteristic

Goods-producing industries ..................................... 38 62 – 20 80 – 79 21 1 ( )

Construction ......................................................... 61 39 – – 83 – 92 – –

Manufacturing ...................................................... 31 69 – – – – 75 25 –

Service-providing industries ..................................... 43 57 – 24 76 – 63 37 –

Trade, transportation, and utilities ....................... 42 58 – 24 76 – 62 38 –

Wholesale trade ............................................... 61 39 – 42 58 – 74 26 –

Retail trade ...................................................... 33 67 – – 86 – 49 51 –

Information ........................................................... – 64 – – 76 – – 58 –

Financial activities ................................................ 54 46 – 28 72 – 70 30 –

Finance and insurance .................................... 52 48 – 30 70 – 57 43 –

See footnotes at end of table.
Table 30. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation

Survey, 2013—continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Credit intermediation and related activities .. 63 37 – 41 59 – 78 – –

Insurance carriers and related activities ...... 32 68 – – 79 – 33 67 –

Professional and business services ..................... 47 53 – 39 61 – 91 – –

Education and health services ............................. 44 56 – 20 80 – 51 49 –

Educational services ........................................ 44 56 – 25 75 – 49 51 –

Health care and social assistance ................... – 56 – 19 81 – 51 49 –

1 to 99 workers ........................................................ 39 61 – 19 81 – 69 31 –

1 to 49 workers .................................................... 46 54 – 21 79 – 70 30 –

50 to 99 workers .................................................. 24 76 – 16 84 – 66 – –

100 workers or more ................................................ 46 54 – 28 72 – 63 37 1 ( )

100 to 499 workers .............................................. 62 38 – 28 72 – 59 41 1 ( )

500 workers or more ............................................ 30 70 – 29 71 – 67 33 –

Geographic area

New England ........................................................... 46 54 – – – – – – –

Middle Atlantic ......................................................... 33 67 – 16 84 – 43 57 –

South Atlantic ........................................................... 61 39 – 24 76 – 86 – –

East South Central ................................................... – – – – – – 86 – –

West South Central .................................................. 52 48 – – 80 – 75 – –

East North Central ................................................... 57 43 – 33 67 – 57 43 –

Mountain .................................................................. – 66 – 45 55 – 88 12 –

Pacific ...................................................................... 34 66 – – 79 – 76 24 1 ( )

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no

data were reported or that data do not meet publication criteria. For definitions of major plans, key

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 30. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,

National Compensation Survey, 2013

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristic

All workers ............................................................... 3.6 3.6 – 2.5 2.5 – 3.3 3.3 1 ( )

Management, professional, and related .................. 6.6 6.6 – 3.9 3.9 – 5.2 5.2 –

Management, business, and financial ................. 4.6 4.6 – 4.7 4.7 – 4.6 4.6 –

Professional and related ...................................... 9.1 9.1 – 4.4 4.4 – 6.1 6.1 –

Service ..................................................................... 4.7 4.7 – 3.0 3.0 – 7.7 7.7 –

Sales and office ....................................................... 5.1 5.1 – 3.9 3.9 – 3.9 3.9 –

Sales and related ................................................. 9.3 9.3 – 9.6 9.6 – 6.4 6.4 –

Office and administrative support ........................ 5.1 5.1 – 5.7 5.7 – 4.5 4.5 –

Natural resources, construction, and maintenance 6.1 6.1 – 4.4 4.4 – 6.9 6.9 –

Installation, maintenance, and repair ................... 7.8 7.8 – – 5.1 – 8.6 8.6 –

Production, transportation, and material moving ..... 3.9 3.9 – 3.1 3.1 – 4.7 4.7 0.3

Transportation and material moving .................... 6.7 6.7 – 4.6 4.6 – 5.9 6.0 0.5

Full time ................................................................... 3.5 3.5 – 2.5 2.5 – 3.4 3.4 1 ( )

Part time .................................................................. – 6.4 – – 3.7 – 7.1 7.1 –

Union ....................................................................... 7.1 7.1 – 4.0 4.0 – 9.0 9.1 0.3

Nonunion ................................................................. 3.3 3.3 – 3.2 3.2 – 4.1 4.1 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 5.8 5.8 – 3.7 3.7 – 7.6 7.6 –

Second 25 percent ............................................... 7.2 7.2 – 4.5 4.5 – 7.0 7.0 –

Third 25 percent ................................................... 3.4 3.4 – 3.9 3.9 – 3.3 3.3 –

Highest 25 percent ............................................... 4.6 4.6 – 3.3 3.3 – 5.8 5.8 0.1

Highest 10 percent ........................................... 6.3 6.3 – 3.5 3.5 – 10.1 10.1 –

Establishment characteristic

Goods-producing industries ..................................... 4.5 4.5 – 4.0 4.0 – 4.1 4.1 0.3

Construction ......................................................... 9.5 9.5 – – 6.9 – 4.1 – –

Manufacturing ...................................................... 6.5 6.5 – – – – 5.3 5.3 –

Service-providing industries ..................................... 4.2 4.2 – 2.8 2.8 – 3.8 3.8 –

Trade, transportation, and utilities ....................... 4.2 4.2 – 3.7 3.7 – 5.6 5.6 –

Wholesale trade ............................................... 5.8 5.8 – 5.7 5.7 – 7.2 7.2 –

Retail trade ...................................................... 7.5 7.5 – – 4.1 – 8.4 8.4 –

Information ........................................................... – 11.1 – – 9.9 – – 12.9 –

Financial activities ................................................ 6.0 6.0 – 5.6 5.6 – 5.0 5.0 –

Finance and insurance .................................... 5.5 5.5 – 4.8 4.8 – 4.5 4.5 –

See footnotes at end of table.
Table 30. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,

National Compensation Survey, 2013—continued

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Credit intermediation and related activities .. 8.0 8.0 – 6.3 6.3 – 7.3 – –

Insurance carriers and related activities ...... 7.8 7.8 – – 8.3 – 7.5 7.5 –

Professional and business services ..................... 9.1 9.1 – 9.5 9.5 – 5.4 – –

Education and health services ............................. 11.1 11.1 – 4.8 4.8 – 7.2 7.2 –

Educational services ........................................ 6.3 6.3 – 7.1 7.1 – 8.8 8.8 –

Health care and social assistance ................... – 13.3 – 5.6 5.6 – 8.5 8.5 –

1 to 99 workers ........................................................ 3.6 3.6 – 3.4 3.4 – 5.8 5.8 –

1 to 49 workers .................................................... 3.8 3.8 – 4.3 4.3 – 5.6 5.6 –

50 to 99 workers .................................................. 5.3 5.3 – 4.1 4.1 – 11.2 – –

100 workers or more ................................................ 5.0 5.0 – 3.7 3.7 – 4.9 4.9 0.1

100 to 499 workers .............................................. 6.3 6.3 – 5.4 5.4 – 8.8 8.8 0.2

500 workers or more ............................................ 5.0 5.0 – 5.9 5.9 – 4.1 4.1 –

Geographic area

New England ........................................................... 13.3 13.3 – – – – – – –

Middle Atlantic ......................................................... 6.0 6.0 – 3.4 3.4 – 8.1 8.1 –

South Atlantic ........................................................... 5.4 5.4 – 5.9 5.9 – 4.6 – –

East South Central ................................................... – – – – – – 6.4 – –

West South Central .................................................. 9.6 9.6 – – 7.7 – 7.5 – –

East North Central ................................................... 10.1 10.1 – 7.7 7.7 – 12.5 12.5 –

Mountain .................................................................. – 16.7 – 4.4 4.4 – 2.9 2.9 –

Pacific ...................................................................... 4.4 4.4 – – 6.4 – 6.2 6.2 0.2

1 Less than 0.05. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 31. Health maintenance organizations: Amount of annual individual out-of-pocket maximum,1

 private industry workers,

National Compensation Survey, 2013

(All workers participating in health maintenance organizations = 100 percent)

Characteristics Total

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 100 66 $1,000 $1,500 $1,750 $2,500 $3,500 34 2 ( )

Management, professional, and related .................. 100 62 850 1,250 2,000 2,500 3,750 38 –

Management, business, and financial ................. 100 74 850 1,000 1,500 2,000 3,500 26 –

Professional and related ...................................... 100 56 1,000 1,500 2,000 2,500 3,750 44 –

Service ..................................................................... 100 58 1,250 1,500 – 3,000 3,000 42 –

Sales and office ....................................................... 100 72 1,000 1,250 2,000 2,500 3,700 28 –

Sales and related ................................................. 100 72 1,200 1,250 – 2,050 3,000 28 –

Office and administrative support ........................ 100 71 1,000 1,250 2,000 2,500 5,000 29 –

Natural resources, construction, and maintenance 100 72 1,000 1,500 – 3,000 3,000 28 –

Installation, maintenance, and repair ................... 100 61 1,000 1,400 1,500 2,500 3,000 39 –

Production, transportation, and material moving ..... 100 67 1,050 1,500 1,500 2,500 3,500 33 2 ( )

Transportation and material moving .................... 100 65 1,000 1,500 1,500 2,000 2,500 34 1

Full time ................................................................... 100 67 1,000 1,500 1,750 2,500 3,500 33 2 ( )

Part time .................................................................. 100 34 1,000 1,500 1,500 2,250 3,000 66 –

Union ....................................................................... 100 40 850 1,000 1,500 1,500 2,500 59 2 ( )

Nonunion ................................................................. 100 71 1,000 1,500 2,000 2,600 3,500 29 –

Average wage within the following categories3:

Lowest 25 percent ............................................... 100 59 1,500 1,500 – 3,000 3,000 41 –

Second 25 percent ............................................... 100 61 1,000 1,400 1,750 2,500 3,000 39 –

Third 25 percent ................................................... 100 74 1,000 1,500 1,750 3,000 3,750 26 –

Highest 25 percent ............................................... 100 64 1,000 1,250 – 2,250 3,500 36 2 ( )

Highest 10 percent ........................................... 100 57 1,000 1,000 1,500 2,000 3,000 43 –

Establishment characteristic

Goods-producing industries ..................................... 100 79 1,000 1,500 2,000 3,000 4,300 21 2 ( )

Construction ......................................................... 100 92 1,200 2,000 2,850 3,000 3,000 – –

Manufacturing ...................................................... 100 75 850 1,500 1,500 3,500 4,750 25 –

Service-providing industries ..................................... 100 63 1,000 1,400 – 2,500 3,000 37 –

Trade, transportation, and utilities ....................... 100 60 1,500 1,500 2,000 2,500 3,000 40 –

Wholesale trade ............................................... 100 74 1,500 1,500 2,000 2,500 3,000 26 –

Retail trade ...................................................... 100 45 1,050 1,500 1,750 2,250 3,000 55 –

Information ........................................................... 100 – 1,000 1,250 1,500 1,500 2,100 58 –

Financial activities ................................................ 100 70 750 1,150 – 2,200 3,000 30 –

Finance and insurance .................................... 100 57 750 1,000 1,500 2,200 3,000 43 –

See footnotes at end of table.
Table 31. Health maintenance organizations: Amount of annual individual out-of-pocket maximum,1

 private industry workers,

National Compensation Survey, 2013—continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristics Total

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 100 78 $600 $1,000 – $2,200 $3,000 – –

Insurance carriers and related activities ...... 100 33 750 750 – 2,500 3,000 67 –

Professional and business services ..................... 100 91 850 1,250 – 2,500 4,250 – –

Education and health services ............................. 100 51 1,000 1,400 $2,000 3,000 3,750 49 –

Educational services ........................................ 100 49 500 1,000 – 2,000 3,700 51 –

Health care and social assistance ................... 100 51 1,000 1,400 2,250 3,000 6,900 49 –

1 to 99 workers ........................................................ 100 69 1,000 1,500 2,000 3,000 3,700 31 –

1 to 49 workers .................................................... 100 70 1,000 1,500 2,250 3,000 3,700 30 –

50 to 99 workers .................................................. 100 66 1,500 1,500 2,000 2,500 3,500 – –

100 workers or more ................................................ 100 62 850 1,250 1,500 2,000 3,000 38 2 ( )

100 to 499 workers .............................................. 100 58 1,000 1,500 1,500 2,400 3,500 42 2 ( )

500 workers or more ............................................ 100 67 850 1,250 1,500 2,000 2,250 33 –

Geographic area

New England ........................................................... 100 – 1,000 1,500 2,000 2,000 3,000 – –

Middle Atlantic ......................................................... 100 43 1,000 1,500 2,000 3,000 4,000 57 –

South Atlantic ........................................................... 100 85 1,000 1,500 2,000 2,500 3,500 – –

East South Central ................................................... 100 79 2,000 2,000 – 6,900 6,900 – –

West South Central .................................................. 100 75 1,000 1,050 – 2,500 2,850 – –

East North Central ................................................... 100 57 600 1,000 1,500 2,000 2,400 43 –

Mountain .................................................................. 100 88 1,250 1,250 1,500 2,000 3,500 12 –

Pacific ...................................................................... 100 76 1,000 1,500 2,000 3,000 3,500 24 2 ( )

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a

participant or a family must pay after the deductible has been satisfied. Once reached, covered

expenses are fully reimbursed for the rest of the year. 2 Less than 0.5. 3 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 31. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum,1

 private

industry workers, National Compensation Survey, 2013

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile 90th percentile

Worker characteristic

All workers ............................................................... 3.4 $27 $101 $438 $276 $218 3.4 2 ( )

Management, professional, and related .................. 5.2 148 292 592 407 521 5.2 –

Management, business, and financial ................. 4.6 72 252 310 751 1,477 4.6 –

Professional and related ...................................... 6.1 188 249 332 686 505 6.1 –

Service ..................................................................... 7.7 376 0 – 353 0 7.7 –

Sales and office ....................................................... 4.0 73 181 319 49 1,504 4.0 –

Sales and related ................................................. 6.5 104 319 – 507 421 6.5 –

Office and administrative support ........................ 4.6 111 194 224 537 1,624 4.6 –

Natural resources, construction, and maintenance 6.9 39 148 – 422 258 6.9 –

Installation, maintenance, and repair ................... 8.6 184 547 182 560 329 8.6 –

Production, transportation, and material moving ..... 4.7 525 0 102 349 658 4.7 0.3

Transportation and material moving .................... 6.1 388 0 79 297 511 6.1 0.5

Full time ................................................................... 3.4 47 101 428 350 176 3.4 2 ( )

Part time .................................................................. 7.1 291 342 437 209 530 7.1 –

Union ....................................................................... 9.0 210 309 0 0 182 9.0 0.3

Nonunion ................................................................. 4.1 0 58 126 552 188 4.1 –

Average wage within the following categories3:

Lowest 25 percent ............................................... 7.6 241 0 – 424 816 7.6 –

Second 25 percent ............................................... 7.0 9 248 445 484 365 7.0 –

Third 25 percent ................................................... 3.3 188 52 433 470 1,018 3.3 –

Highest 25 percent ............................................... 5.8 128 253 – 337 444 5.8 0.1

Highest 10 percent ........................................... 10.1 0 256 0 291 639 10.1 –

Establishment characteristic

Goods-producing industries ..................................... 4.1 491 0 512 465 1,264 4.1 0.3

Construction ......................................................... 4.1 402 605 494 0 695 – –

Manufacturing ...................................................... 5.3 505 0 292 815 830 5.3 –

Service-providing industries ..................................... 3.9 27 216 – 143 619 3.9 –

Trade, transportation, and utilities ....................... 5.6 185 0 363 153 181 5.6 –

Wholesale trade ............................................... 7.2 0 500 0 260 353 7.2 –

Retail trade ...................................................... 8.8 124 307 406 380 444 8.8 –

Information ........................................................... – 323 0 309 0 746 12.9 –

Financial activities ................................................ 5.0 142 390 – 422 274 5.0 –

Finance and insurance .................................... 4.5 225 159 208 631 0 4.5 –

See footnotes at end of table.
Table 31. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum,1

 private

industry workers, National Compensation Survey, 2013—continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile 90th percentile

Credit intermediation and related activities .. 7.3 $190 $241 – $324 $0 – –

Insurance carriers and related activities ...... 7.5 0 456 – 687 0 7.5 –

Professional and business services ..................... 5.4 164 246 – 701 915 – –

Education and health services ............................. 7.2 276 457 $312 65 3,915 7.2 –

Educational services ........................................ 8.8 0 718 – 1,117 52 8.8 –

Health care and social assistance ................... 8.5 179 439 376 65 4,108 8.5 –

1 to 99 workers ........................................................ 5.8 9 0 202 0 406 5.8 –

1 to 49 workers .................................................... 5.6 0 145 449 129 361 5.6 –

50 to 99 workers .................................................. 11.2 707 0 182 144 1,679 – –

100 workers or more ................................................ 4.9 134 147 0 22 506 4.9 0.1

100 to 499 workers .............................................. 8.7 217 79 0 370 3,484 8.7 0.2

500 workers or more ............................................ 4.1 102 222 26 205 150 4.1 –

Geographic area

New England ........................................................... – 353 214 0 1,228 2,529 – –

Middle Atlantic ......................................................... 8.1 400 0 418 612 1,992 8.1 –

South Atlantic ........................................................... 4.8 251 239 377 134 1,343 – –

East South Central ................................................... 11.3 0 0 – 4,550 0 – –

West South Central .................................................. 7.5 0 270 – 310 394 – –

East North Central ................................................... 12.5 223 225 0 182 206 12.5 –

Mountain .................................................................. 2.9 79 274 316 628 500 2.9 –

Pacific ...................................................................... 6.2 27 0 418 0 280 6.2 0.2

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a

participant or a family must pay after the deductible has been satisfied. Once reached, covered

expenses are fully reimbursed for the rest of the year. 2 Less than 0.05. 3 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 32. Health maintenance organizations: Amount of annual family out-of-pocket maximum,1

 private industry workers, National

Compensation Survey, 2013

(All workers participating in health maintenance organizations = 100 percent)

Characteristics Total

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 100 65 $2,000 $3,000 $4,000 $6,000 $7,400 35 2 ( )

Management, professional, and related .................. 100 61 1,550 3,000 4,000 6,000 9,500 39 –

Management, business, and financial ................. 100 74 1,550 2,000 3,000 5,000 7,500 26 –

Professional and related ...................................... 100 55 2,000 3,000 4,000 6,000 11,250 45 –

Service ..................................................................... 100 58 2,600 3,000 – 6,000 6,000 42 –

Sales and office ....................................................... 100 72 2,000 2,500 4,000 6,000 8,600 28 –

Sales and related ................................................. 100 74 2,500 2,500 4,000 4,500 7,500 26 –

Office and administrative support ........................ 100 72 2,000 2,500 4,000 6,000 10,000 28 –

Natural resources, construction, and maintenance 100 69 2,000 3,000 4,000 5,000 6,000 31 –

Installation, maintenance, and repair ................... 100 60 2,000 3,000 3,000 5,000 6,000 40 –

Production, transportation, and material moving ..... 100 66 2,000 3,000 3,000 5,250 7,000 34 2 ( )

Transportation and material moving .................... 100 66 2,000 3,000 3,000 4,800 6,000 34 1

Full time ................................................................... 100 67 2,000 3,000 4,000 6,000 7,400 33 2 ( )

Part time .................................................................. 100 34 2,500 3,000 – 6,750 7,000 66 –

Union ....................................................................... 100 41 1,550 3,000 3,000 4,500 5,550 59 2 ( )

Nonunion ................................................................. 100 70 2,000 3,000 4,000 6,000 7,500 30 –

Average wage within the following categories3:

Lowest 25 percent ............................................... 100 58 3,000 3,000 – 6,000 7,500 42 –

Second 25 percent ............................................... 100 61 2,000 2,500 4,000 6,000 7,000 39 –

Third 25 percent ................................................... 100 73 2,000 3,000 4,000 6,000 9,500 27 –

Highest 25 percent ............................................... 100 64 2,000 3,000 – 5,000 7,000 36 2 ( )

Highest 10 percent ........................................... 100 57 2,000 3,000 3,000 5,000 7,000 43 –

Establishment characteristic

Goods-producing industries ..................................... 100 78 1,550 3,000 – 6,000 9,500 22 2 ( )

Construction ......................................................... 100 87 2,000 4,000 5,000 6,000 6,000 – –

Manufacturing ...................................................... 100 75 1,550 3,000 3,000 7,000 9,500 25 –

Service-providing industries ..................................... 100 63 2,000 3,000 4,000 6,000 7,000 37 –

Trade, transportation, and utilities ....................... 100 61 2,500 3,000 4,000 5,000 6,000 39 –

Wholesale trade ............................................... 100 71 3,000 4,000 4,000 5,000 6,000 29 –

Retail trade ...................................................... 100 49 2,100 2,500 3,500 4,500 6,750 51 –

Information ........................................................... 100 – 2,500 2,500 3,000 3,000 4,200 58 –

Financial activities ................................................ 100 68 1,500 3,000 – 6,000 7,500 32 –

Finance and insurance .................................... 100 55 1,500 2,000 3,000 6,000 7,500 45 –

See footnotes at end of table.
Table 32. Health maintenance organizations: Amount of annual family out-of-pocket maximum,1

 private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristics Total

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 100 74 $1,250 $2,000 $3,000 $4,400 $6,500 26 –

Insurance carriers and related activities ...... 100 32 1,500 1,500 – 6,500 9,000 68 –

Professional and business services ..................... 100 91 1,550 2,500 – 5,000 10,000 – –

Education and health services ............................. 100 50 2,000 3,000 – 6,000 11,250 50 –

Educational services ........................................ 100 46 1,000 2,000 3,000 6,000 7,400 54 –

Health care and social assistance ................... 100 51 2,400 3,000 – 6,000 20,700 49 –

1 to 99 workers ........................................................ 100 69 2,000 3,000 4,500 6,000 8,600 31 –

1 to 49 workers .................................................... 100 70 2,000 3,000 5,000 6,000 9,000 30 –

50 to 99 workers .................................................. 100 66 2,400 3,000 4,000 6,000 7,500 – –

100 workers or more ................................................ 100 62 1,550 3,000 3,000 4,500 6,750 38 2 ( )

100 to 499 workers .............................................. 100 58 1,550 3,000 3,000 5,000 9,000 42 2 ( )

500 workers or more ............................................ 100 66 1,550 2,500 3,000 4,000 6,000 34 –

Geographic area

New England ........................................................... 100 – 2,000 3,000 4,000 4,000 6,000 – –

Middle Atlantic ......................................................... 100 43 2,000 3,000 4,000 6,000 8,000 57 –

South Atlantic ........................................................... 100 84 2,000 3,000 4,500 6,000 9,000 – –

East South Central ................................................... 100 86 3,000 4,000 – 20,700 20,700 – –

West South Central .................................................. 100 75 2,000 2,100 – 7,500 7,500 – –

East North Central ................................................... 100 57 1,400 2,000 3,000 4,000 4,800 43 –

Mountain .................................................................. 100 88 2,500 2,800 3,000 6,000 7,000 12 –

Pacific ...................................................................... 100 74 2,300 3,000 4,000 6,000 7,500 26 2 ( )

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a

participant or a family must pay after the deductible has been satisfied. Once reached, covered

expenses are fully reimbursed for the rest of the year. 2 Less than 0.5. 3 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 32. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum,1

 private

industry workers, National Compensation Survey, 2013

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 3.4 $82 $73 $676 $571 $814 3.4 2 ( )

Management, professional, and related .................. 5.2 494 356 1,144 745 2,918 5.2 –

Management, business, and financial ................. 4.6 217 487 528 1,559 2,844 4.6 –

Professional and related ...................................... 6.1 337 0 644 1,009 4,701 6.1 –

Service ..................................................................... 7.7 374 0 – 0 137 7.7 –

Sales and office ....................................................... 3.9 286 408 243 791 2,081 3.9 –

Sales and related ................................................. 6.4 334 365 948 1,285 572 6.4 –

Office and administrative support ........................ 4.6 347 547 543 398 2,664 4.6 –

Natural resources, construction, and maintenance 7.1 385 301 1,183 0 232 7.1 –

Installation, maintenance, and repair ................... 8.7 575 1,175 258 1,323 999 8.7 –

Production, transportation, and material moving ..... 4.1 1,065 0 274 918 730 4.1 0.3

Transportation and material moving .................... 5.9 668 0 258 874 137 6.0 0.5

Full time ................................................................... 3.4 116 82 705 592 837 3.4 2 ( )

Part time .................................................................. 7.1 377 91 – 1,795 1,661 7.1 –

Union ....................................................................... 9.0 750 347 0 1,711 885 9.1 0.3

Nonunion ................................................................. 4.1 0 115 0 0 1,333 4.1 –

Average wage within the following categories3:

Lowest 25 percent ............................................... 7.6 258 0 – 146 2,515 7.6 –

Second 25 percent ............................................... 7.0 18 725 868 759 744 7.0 –

Third 25 percent ................................................... 3.6 668 163 933 467 2,222 3.6 –

Highest 25 percent ............................................... 5.7 284 292 – 875 730 5.8 0.1

Highest 10 percent ........................................... 10.1 0 518 204 948 1,482 10.1 –

Establishment characteristic

Goods-producing industries ..................................... 4.5 832 0 – 1,095 1,856 4.5 0.3

Construction ......................................................... 6.6 792 1,353 0 801 0 – –

Manufacturing ...................................................... 5.3 1,104 0 821 795 573 5.3 –

Service-providing industries ..................................... 3.9 0 294 882 1,067 625 3.9 –

Trade, transportation, and utilities ....................... 5.3 546 0 91 444 0 5.3 –

Wholesale trade ............................................... 5.4 1,448 0 677 247 577 5.4 –

Retail trade ...................................................... 8.4 181 549 767 1,232 736 8.4 –

Information ........................................................... – 303 0 532 0 1,389 12.9 –

Financial activities ................................................ 5.1 266 894 – 937 129 5.1 –

Finance and insurance .................................... 4.5 335 421 258 1,816 491 4.5 –

See footnotes at end of table.
Table 32. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum,1

 private

industry workers, National Compensation Survey, 2013—continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 7.5 $496 $467 $585 $1,825 $1,110 7.5 –

Insurance carriers and related activities ...... 7.8 0 1,183 – 2,981 1,936 7.8 –

Professional and business services ..................... 5.4 493 398 – 1,020 2,403 – –

Education and health services ............................. 7.1 450 219 – 897 12,690 7.1 –

Educational services ........................................ 7.4 0 1,434 395 2,321 2,006 7.4 –

Health care and social assistance ................... 8.5 621 193 – 876 14,870 8.5 –

1 to 99 workers ........................................................ 5.8 18 0 827 313 1,839 5.8 –

1 to 49 workers .................................................... 5.6 0 402 895 491 2,512 5.6 –

50 to 99 workers .................................................. 11.2 847 0 474 612 2,588 – –

100 workers or more ................................................ 4.9 515 595 0 386 1,043 4.9 0.1

100 to 499 workers .............................................. 8.7 893 0 218 793 12,206 8.7 0.2

500 workers or more ............................................ 4.2 651 178 0 165 1,421 4.2 –

Geographic area

New England ........................................................... – 683 182 0 2,337 4,885 – –

Middle Atlantic ......................................................... 8.1 875 0 608 1,140 3,983 8.1 –

South Atlantic ........................................................... 5.1 666 588 877 903 3,405 – –

East South Central ................................................... 6.4 0 0 – 19,728 0 – –

West South Central .................................................. 7.4 0 540 – 3,073 724 – –

East North Central ................................................... 12.5 233 589 0 182 377 12.5 –

Mountain .................................................................. 2.9 0 510 825 1,335 250 2.9 –

Pacific ...................................................................... 6.4 497 0 725 0 2,066 6.4 0.2

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a

participant or a family must pay after the deductible has been satisfied. Once reached, covered

expenses are fully reimbursed for the rest of the year. 2 Less than 0.05. 3 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 33. Health maintenance organizations: Coverage for selected services,1

private industry workers, National Compensation Survey, 2013

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Worker characteristic

All workers ............................................................... 97 94 94 100

Management, professional, and related .................. 94 90 90 100

Management, business, and financial ................. 99 95 95 100

Professional and related ...................................... 92 87 87 100

Service ..................................................................... 99 98 98 100

Sales and office ....................................................... 99 97 97 100

Sales and related ................................................. 98 98 98 100

Office and administrative support ........................ 100 96 96 100

Natural resources, construction, and maintenance 97 95 95 100

Installation, maintenance, and repair ................... 99 93 93 100

Production, transportation, and material moving ..... 99 96 96 100

Production ............................................................ 98 98 98 100

Transportation and material moving .................... 100 95 95 100

Full time ................................................................... 97 94 94 100

Part time .................................................................. 100 99 99 100

Union ....................................................................... 100 98 98 100

Nonunion ................................................................. 96 93 93 100

Average wage within the following categories2:

Lowest 25 percent ............................................... 100 97 97 100

Second 25 percent ............................................... 93 89 89 100

Third 25 percent ................................................... 98 97 97 100

Highest 25 percent ............................................... 98 95 95 100

Highest 10 percent ........................................... 98 97 96 100

Establishment characteristic

Goods-producing industries ..................................... 99 99 99 100

Construction ......................................................... 94 100 100 100

Manufacturing ...................................................... 100 99 99 100

Service-providing industries ..................................... 97 93 93 100

Trade, transportation, and utilities ....................... 99 98 98 100

Wholesale trade ............................................... 97 100 100 100

Retail trade ...................................................... 100 100 100 100

Information ........................................................... 93 93 93 100

Financial activities ................................................ 100 98 98 100

Finance and insurance .................................... 100 97 97 100

See footnotes at end of table.
Table 33. Health maintenance organizations: Coverage for selected services,1

private industry workers, National Compensation Survey, 2013—continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Credit intermediation and related activities .. 100 98 98 100

Insurance carriers and related activities ...... 99 99 99 100

Professional and business services ..................... 100 91 91 100

Education and health services ............................. 92 90 90 100

Educational services ........................................ 95 94 93 100

Junior colleges, colleges, and universities ... 96 100 99 100

Health care and social assistance ................... 91 89 89 100

1 to 99 workers ........................................................ 99 94 94 100

1 to 49 workers .................................................... 98 91 91 100

50 to 99 workers .................................................. 100 98 98 100

100 workers or more ................................................ 95 94 94 100

100 to 499 workers .............................................. 91 91 91 100

500 workers or more ............................................ 99 98 98 100

Geographic area

New England ........................................................... – – – 100

Middle Atlantic ......................................................... 99 96 96 100

South Atlantic ........................................................... 95 86 86 100

East South Central ................................................... 100 100 100 100

West South Central .................................................. 100 87 87 100

East North Central ................................................... 100 99 99 100

West North Central .................................................. 99 98 98 100

Mountain .................................................................. 100 100 100 100

Pacific ...................................................................... 100 98 98 100

1 The remaining workers include both workers not

receiving the benefit and workers for whom the availability of

the benefit could not be determined. 2 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data

do not meet publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 33. Standard errors for health maintenance organizations: Coverage for

selected services,1

 private industry workers, National Compensation Survey,

2013

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Worker characteristic

All workers ............................................................... 1.7 2.0 2.0 2 ( )

Management, professional, and related .................. 4.2 4.6 4.6 2 ( )

Management, business, and financial ................. 0.8 2.6 2.6 2 ( )

Professional and related ...................................... 6.5 7.0 7.0 2 ( )

Service ..................................................................... 0.6 1.0 1.0 2 ( )

Sales and office ....................................................... 0.5 1.4 1.4 2 ( )

Sales and related ................................................. 1.6 1.6 1.6 2 ( )

Office and administrative support ........................ 0.3 2.0 2.0 2 ( )

Natural resources, construction, and maintenance 2.8 1.6 1.7 2 ( )

Installation, maintenance, and repair ................... 1.1 3.0 3.0 2 ( )

Production, transportation, and material moving ..... 0.7 2.4 2.4 2 ( )

Production ............................................................ 1.5 1.4 1.4 2 ( )

Transportation and material moving .................... 2 ( ) 3.8 3.8 2 ( )

Full time ................................................................... 1.8 2.1 2.1 2 ( )

Part time .................................................................. 2 ( ) 0.8 0.8 2 ( )

Union ....................................................................... 2 ( ) 1.1 1.1 2 ( )

Nonunion ................................................................. 1.9 2.2 2.2 2 ( )

Average wage within the following categories3:

Lowest 25 percent ............................................... 2 ( ) 2.8 2.8 2 ( )

Second 25 percent ............................................... 6.0 6.3 6.3 2 ( )

Third 25 percent ................................................... 1.0 1.2 1.2 2 ( )

Highest 25 percent ............................................... 0.8 1.6 1.6 2 ( )

Highest 10 percent ........................................... 1.4 1.8 1.8 2 ( )

Establishment characteristic

Goods-producing industries ..................................... 1.5 0.7 0.7 2 ( )

Construction ......................................................... 5.7 0.4 0.4 2 ( )

Manufacturing ...................................................... 2 ( ) 1.0 1.0 2 ( )

Service-providing industries ..................................... 2.0 2.4 2.4 2 ( )

Trade, transportation, and utilities ....................... 0.9 1.3 1.3 2 ( )

Wholesale trade ............................................... 2.6 2 ( ) 2 ( ) 2 ( )

Retail trade ...................................................... 0.1 0.1 0.1 2 ( )

Information ........................................................... 6.8 6.8 6.8 2 ( )

Financial activities ................................................ 0.3 1.4 1.4 2 ( )

Finance and insurance .................................... 0.5 1.9 1.9 2 ( )

See footnotes at end of table.
Table 33. Standard errors for health maintenance organizations: Coverage for

selected services,1

 private industry workers, National Compensation Survey,

2013—continued

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Credit intermediation and related activities .. 2 ( ) 2.2 2.2 2 ( )

Insurance carriers and related activities ...... 1.4 1.4 1.4 2 ( )

Professional and business services ..................... 0.2 4.6 4.6 2 ( )

Education and health services ............................. 6.8 7.1 7.1 2 ( )

Educational services ........................................ 2.6 4.9 4.8 2 ( )

Junior colleges, colleges, and universities ... 1.4 2 ( ) 0.2 2 ( )

Health care and social assistance ................... 8.3 8.6 8.6 2 ( )

1 to 99 workers ........................................................ 0.6 2.1 2.1 2 ( )

1 to 49 workers .................................................... 1.0 3.0 3.0 2 ( )

50 to 99 workers .................................................. 0.1 1.6 1.6 2 ( )

100 workers or more ................................................ 3.2 3.2 3.2 2 ( )

100 to 499 workers .............................................. 6.4 6.4 6.4 2 ( )

500 workers or more ............................................ 0.6 1.1 1.1 2 ( )

Geographic area

New England ........................................................... – – – 2 ( )

Middle Atlantic ......................................................... 0.5 2.4 2.4 2 ( )

South Atlantic ........................................................... 2.9 5.2 5.2 2 ( )

East South Central ................................................... 2 ( ) 2 ( ) 2 ( ) 2 ( )

West South Central .................................................. 2 ( ) 12.6 12.6 2 ( )

East North Central ................................................... 2 ( ) 0.8 0.8 2 ( )

West North Central .................................................. 1.2 1.5 1.5 2 ( )

Mountain .................................................................. 0.5 0.5 0.5 2 ( )

Pacific ...................................................................... 2 ( ) 0.8 0.8 2 ( )

1 The remaining workers include both workers not

receiving the benefit and workers for whom the availability of

the benefit could not be determined. 2 Less than 0.05. 3 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data

do not meet publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 34. Health maintenance organizations: Coverage for mental health

care and substance abuse treatment,1

 private industry workers, National

Compensation Survey, 2013

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Inpatient

mental health

care

Inpatient

substance

abuse

detoxification

Inpatient

substance abuse

rehabilitation

Worker characteristic

All workers ............................................................... 84 83 77

Management, professional, and related .................. – 79 –

Management, business, and financial ................. 81 74 –

Professional and related ...................................... – 82 –

Service ..................................................................... 96 93 82

Sales and office ....................................................... 83 83 –

Sales and related ................................................. 88 83 –

Office and administrative support ........................ 81 84 –

Natural resources, construction, and maintenance 85 82 –

Installation, maintenance, and repair ................... 89 84 82

Production, transportation, and material moving ..... 89 86 79

Production ............................................................ 87 83 77

Transportation and material moving .................... 91 89 81

Full time ................................................................... 84 83 –

Part time .................................................................. 95 95 94

Union ....................................................................... 93 92 90

Nonunion ................................................................. 83 81 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 93 90 77

Second 25 percent ............................................... 86 85 81

Third 25 percent ................................................... 82 78 –

Highest 25 percent ............................................... 83 84 –

Highest 10 percent ........................................... – 81 –

Establishment characteristic

Goods-producing industries ..................................... 84 79 –

Manufacturing ...................................................... 85 79 –

Service-providing industries ..................................... 84 84 78

Trade, transportation, and utilities ....................... 85 84 73

Wholesale trade ............................................... 82 86 –

Retail trade ...................................................... 83 – –

Information ........................................................... 81 81 –

Financial activities ................................................ 90 91 88

Finance and insurance .................................... 86 86 83

See footnotes at end of table.
Table 34. Health maintenance organizations: Coverage for mental health

care and substance abuse treatment,1

 private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Inpatient

mental health

care

Inpatient

substance

abuse

detoxification

Inpatient

substance abuse

rehabilitation

Credit intermediation and related activities .. 89 89 87

Insurance carriers and related activities ...... 96 96 92

Professional and business services ..................... – 74 –

Education and health services ............................. 87 88 80

Educational services:

 Junior colleges, colleges, and universities ... 87 85 81

Health care and social assistance ................... 89 90 81

1 to 99 workers ........................................................ 81 81 –

50 to 99 workers .................................................. 88 88 86

100 workers or more ................................................ 87 86 82

100 to 499 workers .............................................. 85 86 77

500 workers or more ............................................ 91 85 87

Geographic area

New England ........................................................... 84 84 80

East South Central ................................................... – 99 –

East North Central ................................................... 87 82 82

West North Central .................................................. 97 95 93

Mountain .................................................................. 87 94 85

Pacific ...................................................................... 92 88 76

1 The remaining workers include both workers not

receiving the benefit and workers for whom the

availability of the benefit could not be determined. 2 Surveyed occupations are classified into wage

categories based on the average wage for the

occupation, which may include workers with earnings

both above and below the threshold. The categories

were formed using percentile estimates generated

using data from the National Compensation Survey

publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Dashes indicate that no data were reported or

that data do not meet publication criteria. For

definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms"

at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 34. Standard errors for health maintenance organizations:

Coverage for mental health care and substance abuse treatment,1

 private

industry workers, National Compensation Survey, 2013

Characteristics

Inpatient

mental health

care

Inpatient

substance

abuse

detoxification

Inpatient

substance abuse

rehabilitation

Worker characteristic

All workers ............................................................... 2.2 2.0 2.7

Management, professional, and related .................. – 3.6 –

Management, business, and financial ................. 3.8 5.8 –

Professional and related ...................................... – 4.2 –

Service ..................................................................... 1.5 2.6 7.5

Sales and office ....................................................... 3.6 2.6 –

Sales and related ................................................. 4.2 4.9 –

Office and administrative support ........................ 4.6 3.5 –

Natural resources, construction, and maintenance 5.4 5.5 –

Installation, maintenance, and repair ................... 4.3 5.4 5.2

Production, transportation, and material moving ..... 3.7 4.0 4.5

Production ............................................................ 6.1 6.8 7.1

Transportation and material moving .................... 4.3 4.4 4.8

Full time ................................................................... 2.3 2.1 –

Part time .................................................................. 2.7 2.7 2.9

Union ....................................................................... 5.0 3.8 5.4

Nonunion ................................................................. 2.5 2.6 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 3.5 3.9 8.7

Second 25 percent ............................................... 3.8 3.4 4.3

Third 25 percent ................................................... 3.6 3.6 –

Highest 25 percent ............................................... 3.6 3.4 –

Highest 10 percent ........................................... – 6.4 –

Establishment characteristic

Goods-producing industries ..................................... 5.4 6.1 –

Manufacturing ...................................................... 6.5 8.1 –

Service-providing industries ..................................... 2.3 2.1 2.9

Trade, transportation, and utilities ....................... 4.9 2.9 5.3

Wholesale trade ............................................... 6.5 3.5 –

Retail trade ...................................................... 7.4 – –

Information ........................................................... 9.4 9.4 –

Financial activities ................................................ 4.8 4.7 4.8

Finance and insurance .................................... 6.6 6.5 6.4

See footnotes at end of table.
Table 34. Standard errors for health maintenance organizations:

Coverage for mental health care and substance abuse treatment,1

 private

industry workers, National Compensation Survey, 2013—continued

Characteristics

Inpatient

mental health

care

Inpatient

substance

abuse

detoxification

Inpatient

substance abuse

rehabilitation

Credit intermediation and related activities .. 5.6 5.6 5.7

Insurance carriers and related activities ...... 3.5 3.5 4.4

Professional and business services ..................... – 6.1 –

Education and health services ............................. 3.4 3.1 5.4

Educational services:

 Junior colleges, colleges, and universities ... 5.6 4.4 5.3

Health care and social assistance ................... 3.9 3.5 6.3

1 to 99 workers ........................................................ 3.3 3.3 –

50 to 99 workers .................................................. 4.2 4.2 4.5

100 workers or more ................................................ 2.8 2.9 3.8

100 to 499 workers .............................................. 4.4 3.5 6.4

500 workers or more ............................................ 3.3 4.7 3.5

Geographic area

New England ........................................................... 5.4 5.4 7.2

East South Central ................................................... – 0.3 –

East North Central ................................................... 4.4 6.6 6.3

West North Central .................................................. 1.9 2.9 5.7

Mountain .................................................................. 6.1 3.1 4.9

Pacific ...................................................................... 1.7 3.5 4.2

1 The remaining workers include both workers not

receiving the benefit and workers for whom the

availability of the benefit could not be determined. 2 Surveyed occupations are classified into wage

categories based on the average wage for the

occupation, which may include workers with earnings

both above and below the threshold. The categories

were formed using percentile estimates generated

using data from the National Compensation Survey

publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Dashes indicate that no data were reported or

that data do not meet publication criteria. For

definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms"

at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 35. Hospital room and board benefits: Extent of coverage by type of

plan, private industry workers, National Compensation Survey, 2013

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 6 91 – –

Management, professional, and related .................. 8 86 – –

Management, business, and financial ................. – 92 – 3

Professional and related ...................................... 10 83 – 7

Service ..................................................................... 13 85 – –

Sales and office ....................................................... 4 94 – 2

Sales and related ................................................. – 98 – 2

Office and administrative support ........................ 5 93 – 2

Natural resources, construction, and maintenance – 94 – 4

Installation, maintenance, and repair ................... – 93 – 4

Production, transportation, and material moving ..... 4 94 – –

Production ............................................................ – 95 – 3

Transportation and material moving .................... – 93 – 1

Full time ................................................................... 6 90 – –

Part time .................................................................. – 93 – 1

Union ....................................................................... 18 81 – –

Nonunion ................................................................. 4 92 – –

Average wage within the following categories3:

Lowest 25 percent ............................................... – 96 – 2

Second 25 percent ............................................... 6 90 – –

Third 25 percent ................................................... 5 91 – –

Highest 25 percent ............................................... 7 89 – –

Highest 10 percent ........................................... – 86 – 4

Establishment characteristic

Goods-producing industries ..................................... 2 94 – 4

Construction ......................................................... – 91 – 7

Manufacturing ...................................................... 3 94 – 3

Service-providing industries ..................................... 7 90 – –

Trade, transportation, and utilities ....................... – 96 – 1

Wholesale trade ............................................... – 97 – 1

Retail trade ...................................................... – 97 – 2

Information ........................................................... – 92 – 2

Financial activities ................................................ 2 93 – 5

Finance and insurance .................................... 2 92 – 6

See footnotes at end of table.
Table 35. Hospital room and board benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 4 93 – – 17 80 – –

Management, professional, and related .................. 4 90 – 6 – 73 – 6

Management, business, and financial ................. – 95 – 4 – 82 – 1

Professional and related ...................................... 6 87 – 7 – 68 – 8

Service ..................................................................... 11 87 – – – 80 – 1

Sales and office ....................................................... – 95 – 2 8 91 – 1

Sales and related ................................................. – 98 – 2 – 95 – 2

Office and administrative support ........................ – 94 – 2 10 89 – 2 ( )

Natural resources, construction, and maintenance – 95 – 4 – 89 – 3

Installation, maintenance, and repair ................... – 93 – 4 – 90 – 1

Production, transportation, and material moving ..... – 97 – 2 22 77 – –

Production ............................................................ – 96 – 3 – 86 – 2 ( )

Transportation and material moving .................... – 99 – 1 30 70 – –

Full time ................................................................... 4 93 – – 16 80 – –

Part time .................................................................. – 96 – 1 – 77 – –

Union ....................................................................... 9 89 – – 47 53 – –

Nonunion ................................................................. 3 94 – 4 – – – –

Average wage within the following categories3:

Lowest 25 percent ............................................... – 97 – 2 – 89 – 2 ( )

Second 25 percent ............................................... 5 93 – – 14 79 – 7

Third 25 percent ................................................... 3 93 – – 14 84 – –

Highest 25 percent ............................................... 4 92 – 4 – 76 – 1

Highest 10 percent ........................................... – 91 – 5 – 67 – 2

Establishment characteristic

Goods-producing industries ..................................... – 95 – 4 – 86 – 1

Construction ......................................................... – 91 – 7 – 90 – 6

Manufacturing ...................................................... – 96 – 4 – 85 – –

Service-providing industries ..................................... 4 92 – – 18 79 – –

Trade, transportation, and utilities ....................... – 98 – 1 – 85 – 2 ( )

Wholesale trade ............................................... – 98 – 1 – 95 – –

Retail trade ...................................................... – 98 – 2 – 92 – 2 ( )

Information ........................................................... – 99 – 2 ( ) – 71 – 7

Financial activities ................................................ – 93 – 6 7 93 – 2 ( )

Finance and insurance .................................... – 92 – 7 10 90 – 2 ( )

See footnotes at end of table.
Table 35. Hospital room and board benefits: Extent of coverage by type of

plan, private industry workers, National Compensation Survey,

2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 92 – 8

Insurance carriers and related activities ...... 3 93 – 5

Professional and business services ..................... – 94 – 2

Education and health services ............................. 15 79 – 7

Educational services ........................................ 10 83 – 7

Junior colleges, colleges, and universities ... 9 89 – 2

Health care and social assistance ................... 16 78 – 6

1 to 99 workers ........................................................ 5 91 – –

1 to 49 workers .................................................... – 91 – 5

50 to 99 workers .................................................. – 93 – 1

100 workers or more ................................................ 7 90 – 3

100 to 499 workers .............................................. 5 91 – 4

500 workers or more ............................................ 10 89 – 1

Geographic area

New England ........................................................... 10 80 – –

Middle Atlantic ......................................................... 13 84 – 3

South Atlantic ........................................................... – 96 – 2

East South Central ................................................... – 93 – 2

West South Central .................................................. – 98 – 1

East North Central ................................................... – 87 – 7

West North Central .................................................. – 93 – 4

Mountain .................................................................. – 99 – 2 ( )

Pacific ...................................................................... 10 89 – 1

See footnotes at end of table.
Table 35. Hospital room and board benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 91 – 9 – 96 – –

Insurance carriers and related activities ...... – 95 – 5 19 79 – 1

Professional and business services ..................... – 96 – 3 – 84 – 2 ( )

Education and health services ............................. 12 82 – 6 – 69 – 8

Educational services ........................................ 4 87 – 8 – 72 – 5

Junior colleges, colleges, and universities ... 6 92 – 2 20 76 – 4

Health care and social assistance ................... 14 81 – 6 – 68 – 9

1 to 99 workers ........................................................ – 93 – 5 – 86 – 1

1 to 49 workers .................................................... – 90 – 6 – 92 – 1

50 to 99 workers .................................................. – 98 – 2 – 74 – 2 ( )

100 workers or more ................................................ 4 93 – 2 21 74 – 5

100 to 499 workers .............................................. – 95 – 3 20 70 – 9

500 workers or more ............................................ 7 91 – 1 22 78 – 1

Geographic area

New England ........................................................... – 86 – 4 – – – –

Middle Atlantic ......................................................... 10 86 – 4 – 77 – 1

South Atlantic ........................................................... – 97 – 2 – 88 – 5

East South Central ................................................... – 93 – 2 – 95 – –

West South Central .................................................. – 98 – 2 – 90 – –

East North Central ................................................... – 87 – 8 – 83 – 2 ( )

West North Central .................................................. – 94 – 4 – 79 – 1

Mountain .................................................................. – 100 – – – 94 – 2 ( )

Pacific ...................................................................... – 96 – 2 24 76 – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Less than 0.5. 3 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate

that no data were reported or that data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 35. Standard errors for hospital room and board benefits: Extent of

coverage by type of plan, private industry workers, National Compensation

Survey, 2013

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

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

Management, professional, and related .................. 1.8 1.6 – –

Management, business, and financial ................. – 1.8 – 0.8

Professional and related ...................................... 2.6 2.2 – 2.1

Service ..................................................................... 2.9 3.1 – –

Sales and office ....................................................... 0.9 1.0 – 0.5

Sales and related ................................................. – 0.6 – 0.6

Office and administrative support ........................ 1.3 1.5 – 0.5

Natural resources, construction, and maintenance – 1.2 – 1.0

Installation, maintenance, and repair ................... – 2.0 – 1.4

Production, transportation, and material moving ..... 1.1 1.3 – –

Production ............................................................ – 1.2 – 0.9

Transportation and material moving .................... – 2.2 – 0.6

Full time ................................................................... 0.8 0.8 – –

Part time .................................................................. – 2.7 – 0.4

Union ....................................................................... 4.7 4.7 – –

Nonunion ................................................................. 0.7 1.0 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... – 1.3 – 0.9

Second 25 percent ............................................... 1.4 2.0 – –

Third 25 percent ................................................... 0.7 1.1 – –

Highest 25 percent ............................................... 1.8 1.9 – –

Highest 10 percent ........................................... – 3.7 – 1.3

Establishment characteristic

Goods-producing industries ..................................... 0.6 0.9 – 0.8

Construction ......................................................... – 2.5 – 2.3

Manufacturing ...................................................... 0.7 1.1 – 0.8

Service-providing industries ..................................... 1.0 1.0 – –

Trade, transportation, and utilities ....................... – 1.2 – 0.5

Wholesale trade ............................................... – 1.6 – 0.6

Retail trade ...................................................... – 0.8 – 0.9

Information ........................................................... – 2.9 – 1.6

Financial activities ................................................ 0.4 1.1 – 1.0

Finance and insurance .................................... 0.4 1.4 – 1.2

See footnotes at end of table.
Table 35. Standard errors for hospital room and board benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2013—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 0.6 0.8 – – 3.1 1.9 – –

Management, professional, and related .................. 1.0 1.5 – 1.3 – 3.9 – 4.2

Management, business, and financial ................. – 1.4 – 1.0 – 6.2 – 0.4

Professional and related ...................................... 1.2 2.3 – 1.9 – 5.4 – 6.5

Service ..................................................................... 2.4 2.7 – – – 9.1 – 0.6

Sales and office ....................................................... – 1.2 – 0.5 2.2 2.3 – 0.5

Sales and related ................................................. – 0.6 – 0.6 – 2.5 – 1.6

Office and administrative support ........................ – 1.6 – 0.6 2.9 3.0 – 0.3

Natural resources, construction, and maintenance – 1.3 – 1.1 – 2.2 – 2.8

Installation, maintenance, and repair ................... – 2.3 – 1.8 – 3.6 – 1.1

Production, transportation, and material moving ..... – 0.8 – 0.7 6.1 6.1 – –

Production ............................................................ – 1.2 – 1.0 – 4.4 – 0.5

Transportation and material moving .................... – 0.8 – 0.7 8.2 8.2 – –

Full time ................................................................... 0.6 0.9 – – 2.8 1.9 – –

Part time .................................................................. – 1.6 – 0.5 – 10.6 – –

Union ....................................................................... 2.5 2.8 – – 9.1 9.1 – –

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

Average wage within the following categories2:

Lowest 25 percent ............................................... – 1.0 – 1.0 – 6.2 – 3 ( )

Second 25 percent ............................................... 1.4 1.8 – – 4.0 6.6 – 6.0

Third 25 percent ................................................... 0.6 1.3 – – 2.7 2.3 – –

Highest 25 percent ............................................... 0.9 1.2 – 1.2 – 6.7 – 0.7

Highest 10 percent ........................................... – 1.8 – 1.6 – 12.2 – 1.4

Establishment characteristic

Goods-producing industries ..................................... – 1.0 – 0.9 – 3.3 – 1.5

Construction ......................................................... – 2.2 – 2.1 – 5.7 – 5.7

Manufacturing ...................................................... – 1.1 – 1.0 – 5.2 – –

Service-providing industries ..................................... 0.8 1.0 – – 3.5 2.2 – –

Trade, transportation, and utilities ....................... – 0.8 – 0.5 – 4.8 – 3 ( )

Wholesale trade ............................................... – 1.6 – 0.8 – 2.9 – –

Retail trade ...................................................... – 0.9 – 1.1 – 5.3 – 0.1

Information ........................................................... – 1.0 – 0.3 – 11.3 – 6.8

Financial activities ................................................ – 1.3 – 1.2 1.6 1.6 – 0.3

Finance and insurance .................................... – 1.6 – 1.4 1.8 1.8 – 0.5

See footnotes at end of table.
Table 35. Standard errors for hospital room and board benefits: Extent of

coverage by type of plan, private industry workers, National Compensation

Survey, 2013—continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 1.9 – 1.9

Insurance carriers and related activities ...... 0.4 2.5 – 2.4

Professional and business services ..................... – 2.5 – 1.1

Education and health services ............................. 2.7 2.4 – 2.2

Educational services ........................................ 2.5 2.7 – 1.4

Junior colleges, colleges, and universities ... 1.5 1.8 – 1.0

Health care and social assistance ................... 3.1 2.7 – 2.6

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

1 to 49 workers .................................................... – 1.5 – 1.1

50 to 99 workers .................................................. – 3.7 – 0.6

100 workers or more ................................................ 1.0 1.1 – 0.7

100 to 499 workers .............................................. 1.1 1.8 – 1.3

500 workers or more ............................................ 1.7 1.7 – 0.5

Geographic area

New England ........................................................... 2.2 7.3 – –

Middle Atlantic ......................................................... 3.9 3.7 – 0.6

South Atlantic ........................................................... – 1.3 – 0.8

East South Central ................................................... – 3.9 – 1.4

West South Central .................................................. – 0.6 – 0.6

East North Central ................................................... – 3.0 – 1.8

West North Central .................................................. – 4.1 – 2.4

Mountain .................................................................. – 0.5 – 0.1

Pacific ...................................................................... 1.3 1.5 – 0.8

See footnotes at end of table.
Table 35. Standard errors for hospital room and board benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2013—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 2.2 – 2.2 – 2.0 – –

Insurance carriers and related activities ...... – 3.0 – 2.7 4.5 4.7 – 1.4

Professional and business services ..................... – 2.0 – 1.3 – 6.7 – 0.2

Education and health services ............................. 2.1 2.8 – 2.0 – 5.2 – 6.8

Educational services ........................................ 1.0 1.7 – 1.6 – 7.9 – 2.6

Junior colleges, colleges, and universities ... 1.4 1.9 – 1.2 3.7 4.2 – 1.4

Health care and social assistance ................... 2.4 3.3 – 2.3 – 6.1 – 8.3

1 to 99 workers ........................................................ – 1.3 – 1.0 – 5.1 – 0.5

1 to 49 workers .................................................... – 1.8 – 1.4 – 2.2 – 0.8

50 to 99 workers .................................................. – 0.8 – 0.8 – 13.0 – 0.1

100 workers or more ................................................ 0.8 1.0 – 0.5 3.1 3.8 – 3.2

100 to 499 workers .............................................. – 1.3 – 0.9 4.7 6.6 – 6.4

500 workers or more ............................................ 1.5 1.6 – 0.5 4.0 4.0 – 0.6

Geographic area

New England ........................................................... – 4.5 – 2.0 – – – –

Middle Atlantic ......................................................... 2.3 1.8 – 0.7 – 10.6 – 0.5

South Atlantic ........................................................... – 1.5 – 0.7 – 4.1 – 2.9

East South Central ................................................... – 4.2 – 1.5 – 3.4 – –

West South Central .................................................. – 0.6 – 0.6 – 4.4 – –

East North Central ................................................... – 2.8 – 2.2 – 6.8 – 3 ( )

West North Central .................................................. – 3.4 – 2.5 – 17.1 – 1.2

Mountain .................................................................. – 0.1 – – – 2.7 – 0.5

Pacific ...................................................................... – 1.6 – 1.3 3.4 3.4 – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013." 3 Less than 0.05.

Note: Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 36. Inpatient surgery benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2013

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 9 82 – 9

Management, professional, and related .................. 11 78 – 12

Management, business, and financial ................. 7 85 – 8

Professional and related ...................................... 13 73 – 14

Service ..................................................................... 16 79 – 5

Sales and office ....................................................... 6 86 – 8

Sales and related ................................................. 2 92 – 6

Office and administrative support ........................ 8 82 – 9

Natural resources, construction, and maintenance 6 87 – 6

Installation, maintenance, and repair ................... 8 84 – 8

Production, transportation, and material moving ..... 6 84 – 9

Production ............................................................ – 87 – 8

Transportation and material moving .................... 8 81 – 11

Full time ................................................................... 9 82 – 9

Part time .................................................................. – 78 – 14

Union ....................................................................... 19 78 – 3

Nonunion ................................................................. 7 83 – 10

Average wage within the following categories2:

Lowest 25 percent ............................................... 6 83 – 11

Second 25 percent ............................................... 9 81 – 11

Third 25 percent ................................................... 8 84 – 8

Highest 25 percent ............................................... 10 81 – 9

Highest 10 percent ........................................... 12 79 – 10

Establishment characteristic

Goods-producing industries ..................................... 5 88 – 7

Construction ......................................................... 5 87 – 8

Manufacturing ...................................................... 5 88 – 7

Service-providing industries ..................................... 10 80 – 10

Trade, transportation, and utilities ....................... 5 87 – 8

Wholesale trade ............................................... – 86 – 10

Retail trade ...................................................... – 91 – 6

Information ........................................................... 12 84 – 3

Financial activities ................................................ 4 89 – 7

Finance and insurance .................................... 5 88 – 6

See footnotes at end of table.
Table 36. Inpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 4 86 – 10 28 66 – 6

Management, professional, and related .................. 6 82 – 12 30 60 – 10

Management, business, and financial ................. 1 90 – 9 29 66 – 5

Professional and related ...................................... 8 78 – 14 31 57 – 13

Service ..................................................................... 11 82 – 6 32 67 – 2

Sales and office ....................................................... 4 87 – 9 19 78 – 3

Sales and related ................................................. – 93 – 7 13 86 – 2

Office and administrative support ........................ 5 84 – 11 21 75 – 4

Natural resources, construction, and maintenance – 90 – 7 23 72 – 5

Installation, maintenance, and repair ................... – 86 – 9 – 74 – 7

Production, transportation, and material moving ..... – 89 – 10 36 60 – 4

Production ............................................................ – 90 – 8 30 67 – 2

Transportation and material moving .................... – 87 – 12 40 55 – 5

Full time ................................................................... 4 86 – 9 27 66 – 6

Part time .................................................................. – 80 – 16 34 65 – 1

Union ....................................................................... 10 87 – 3 50 48 – 2

Nonunion ................................................................. 3 86 – 11 23 70 – 7

Average wage within the following categories2:

Lowest 25 percent ............................................... – 86 – 12 30 67 – 3

Second 25 percent ............................................... 5 85 – 10 24 65 – 11

Third 25 percent ................................................... 4 87 – 9 25 72 – 3

Highest 25 percent ............................................... 5 86 – 9 32 62 – 5

Highest 10 percent ........................................... – 83 – 11 37 60 – 3

Establishment characteristic

Goods-producing industries ..................................... – 90 – 8 24 75 – 1

Construction ......................................................... – 89 – 9 22 78 – 3 ( )

Manufacturing ...................................................... – 90 – 8 24 74 – 1

Service-providing industries ..................................... 5 84 – 11 29 65 – 7

Trade, transportation, and utilities ....................... – 90 – 9 26 72 – 2

Wholesale trade ............................................... – 85 – 13 – 87 – –

Retail trade ...................................................... – 93 – 7 23 76 – 3 ( )

Information ........................................................... – 93 – 2 40 53 – 7

Financial activities ................................................ – 90 – 7 – 86 – 2

Finance and insurance .................................... – 89 – 7 15 82 – 3

See footnotes at end of table.
Table 36. Inpatient surgery benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 89 – 9

Insurance carriers and related activities ...... – 87 – 3

Professional and business services ..................... 10 79 – 11

Education and health services ............................. 16 71 – 13

Educational services ........................................ 18 76 – 6

Junior colleges, colleges, and universities ... 16 83 – 1

Health care and social assistance ................... 16 70 – 15

1 to 99 workers ........................................................ 8 81 – 11

1 to 49 workers .................................................... 7 80 – 12

50 to 99 workers .................................................. 9 82 – 8

100 workers or more ................................................ 9 83 – 8

100 to 499 workers .............................................. 7 83 – 10

500 workers or more ............................................ 13 83 – 4

Geographic area

New England ........................................................... 14 73 – 13

Middle Atlantic ......................................................... 19 77 – 4

South Atlantic ........................................................... – 82 – 14

East South Central ................................................... – 87 – 7

West South Central .................................................. – 93 – 6

East North Central ................................................... 8 77 – 14

West North Central .................................................. – 77 – 19

Mountain .................................................................. – 97 – 1

Pacific ...................................................................... 15 82 – 3

See footnotes at end of table.
Table 36. Inpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 90 – 10 – 85 – 2

Insurance carriers and related activities ...... – 89 – 3 – 77 – 1

Professional and business services ..................... – 84 – 11 35 57 – 9

Education and health services ............................. 13 73 – 14 27 63 – 10

Educational services ........................................ 11 83 – 6 38 57 – 6

Junior colleges, colleges, and universities ... 10 88 – 2 39 61 – –

Health care and social assistance ................... 13 71 – 16 – 64 – 11

1 to 99 workers ........................................................ – 85 – 12 29 65 – 6

1 to 49 workers .................................................... – 84 – 13 24 67 – 9

50 to 99 workers .................................................. – 89 – 10 38 60 – 2

100 workers or more ................................................ 6 86 – 8 27 68 – 6

100 to 499 workers .............................................. – 85 – 11 22 69 – 9

500 workers or more ............................................ 8 87 – 5 32 66 – 2

Geographic area

New England ........................................................... – 82 – 7 – – – –

Middle Atlantic ......................................................... 13 84 – 3 36 59 – 4

South Atlantic ........................................................... – 83 – 14 – 80 – 14

East South Central ................................................... – 87 – 8 – 95 – –

West South Central .................................................. – 94 – 6 – 73 – 13

East North Central ................................................... – 78 – 17 24 75 – 1

West North Central .................................................. – – – – – 64 – 2

Mountain .................................................................. – 99 – 1 – 89 – 3 ( )

Pacific ...................................................................... – 95 – 4 41 57 – 2

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013." 3 Less than 0.5.

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate

that no data were reported or that data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 36. Standard errors for inpatient surgery benefits: Extent of coverage by

type of plan, private industry workers, National Compensation Survey, 2013

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 0.8 1.1 – 0.9

Management, professional, and related .................. 1.6 1.8 – 1.9

Management, business, and financial ................. 1.0 1.3 – 1.1

Professional and related ...................................... 2.4 2.7 – 2.8

Service ..................................................................... 3.0 3.7 – 1.6

Sales and office ....................................................... 0.9 1.5 – 1.2

Sales and related ................................................. 0.4 1.8 – 1.7

Office and administrative support ........................ 1.4 2.0 – 1.6

Natural resources, construction, and maintenance 1.3 1.7 – 1.1

Installation, maintenance, and repair ................... 2.0 2.5 – 1.8

Production, transportation, and material moving ..... 1.0 1.5 – 1.2

Production ............................................................ – 1.9 – 1.4

Transportation and material moving .................... 2.1 3.3 – 2.5

Full time ................................................................... 0.8 1.1 – 0.9

Part time .................................................................. – 6.1 – 6.3

Union ....................................................................... 4.1 3.9 – 0.8

Nonunion ................................................................. 0.8 1.3 – 1.1

Average wage within the following categories2:

Lowest 25 percent ............................................... 1.6 3.0 – 2.6

Second 25 percent ............................................... 1.4 2.0 – 1.9

Third 25 percent ................................................... 0.9 1.2 – 1.1

Highest 25 percent ............................................... 1.6 1.9 – 1.4

Highest 10 percent ........................................... 2.9 3.4 – 2.2

Establishment characteristic

Goods-producing industries ..................................... 0.8 1.2 – 1.0

Construction ......................................................... 1.3 2.4 – 2.2

Manufacturing ...................................................... 1.0 1.3 – 1.2

Service-providing industries ..................................... 1.0 1.4 – 1.2

Trade, transportation, and utilities ....................... 0.8 1.6 – 1.3

Wholesale trade ............................................... – 3.4 – 2.3

Retail trade ...................................................... – 1.5 – 1.2

Information ........................................................... 3.5 3.9 – 1.8

Financial activities ................................................ 1.1 1.8 – 1.1

Finance and insurance .................................... 1.4 2.0 – 1.1

See footnotes at end of table.
Table 36. Standard errors for inpatient surgery benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2013—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 0.7 1.2 – 1.1 2.7 2.1 – 2.0

Management, professional, and related .................. 1.2 2.1 – 2.1 5.4 4.1 – 4.6

Management, business, and financial ................. 0.3 1.5 – 1.4 4.0 4.2 – 2.6

Professional and related ...................................... 1.9 3.3 – 3.0 7.5 5.5 – 7.0

Service ..................................................................... 2.4 3.6 – 2.0 9.2 9.3 – 1.0

Sales and office ....................................................... 1.0 1.6 – 1.4 1.9 2.4 – 1.4

Sales and related ................................................. – 1.9 – 1.9 3.6 4.1 – 1.6

Office and administrative support ........................ 1.5 2.2 – 1.8 2.8 3.4 – 2.0

Natural resources, construction, and maintenance – 1.5 – 1.4 6.0 6.1 – 1.6

Installation, maintenance, and repair ................... – 2.6 – 2.3 – 7.4 – 3.0

Production, transportation, and material moving ..... – 1.5 – 1.4 4.3 5.0 – 2.4

Production ............................................................ – 1.6 – 1.5 8.6 8.8 – 1.4

Transportation and material moving .................... – 3.1 – 3.0 5.9 6.4 – 3.8

Full time ................................................................... 0.8 1.2 – 1.0 2.7 2.2 – 2.1

Part time .................................................................. – 6.9 – 7.1 8.1 8.2 – 0.8

Union ....................................................................... 2.3 2.4 – 1.0 7.2 7.2 – 1.1

Nonunion ................................................................. 0.8 1.4 – 1.2 2.5 3.0 – 2.2

Average wage within the following categories2:

Lowest 25 percent ............................................... – 3.0 – 2.9 8.0 8.3 – 2.8

Second 25 percent ............................................... 1.4 2.2 – 1.8 5.0 5.5 – 6.3

Third 25 percent ................................................... 0.9 1.4 – 1.4 3.2 2.8 – 1.2

Highest 25 percent ............................................... 1.1 1.9 – 1.7 4.4 4.0 – 1.6

Highest 10 percent ........................................... – 3.1 – 2.6 6.9 6.6 – 1.8

Establishment characteristic

Goods-producing industries ..................................... – 1.3 – 1.2 4.2 4.3 – 0.7

Construction ......................................................... – 2.8 – 2.7 4.4 4.5 – 0.4

Manufacturing ...................................................... – 1.5 – 1.4 6.1 6.2 – 1.0

Service-providing industries ..................................... 0.9 1.6 – 1.4 3.2 2.4 – 2.4

Trade, transportation, and utilities ....................... – 1.7 – 1.6 2.9 3.4 – 1.3

Wholesale trade ............................................... – 3.2 – 2.8 – 11.0 – –

Retail trade ...................................................... – 1.4 – 1.4 6.1 6.1 – 0.1

Information ........................................................... – 2.2 – 1.2 10.6 12.1 – 6.8

Financial activities ................................................ – 2.0 – 1.3 – 4.0 – 1.4

Finance and insurance .................................... – 2.1 – 1.3 4.1 4.5 – 1.9

See footnotes at end of table.
Table 36. Standard errors for inpatient surgery benefits: Extent of coverage by

type of plan, private industry workers, National Compensation Survey,

2013—continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 1.9 – 1.7

Insurance carriers and related activities ...... – 3.6 – 1.5

Professional and business services ..................... 2.7 3.6 – 2.3

Education and health services ............................. 2.3 3.2 – 3.4

Educational services ........................................ 3.9 4.9 – 2.6

Junior colleges, colleges, and universities ... 2.7 2.9 – 0.9

Health care and social assistance ................... 2.7 3.7 – 4.0

1 to 99 workers ........................................................ 1.1 1.7 – 1.6

1 to 49 workers .................................................... 1.5 1.9 – 1.7

50 to 99 workers .................................................. 2.7 3.7 – 3.2

100 workers or more ................................................ 1.1 1.4 – 1.1

100 to 499 workers .............................................. 1.5 2.4 – 1.9

500 workers or more ............................................ 1.7 1.9 – 0.9

Geographic area

New England ........................................................... 3.5 7.9 – 5.6

Middle Atlantic ......................................................... 3.6 3.3 – 0.8

South Atlantic ........................................................... – 2.3 – 2.0

East South Central ................................................... – 3.2 – 1.0

West South Central .................................................. – 1.6 – 1.5

East North Central ................................................... 2.2 3.9 – 3.3

West North Central .................................................. – 5.6 – 5.1

Mountain .................................................................. – 1.8 – 0.7

Pacific ...................................................................... 1.5 2.1 – 1.1

See footnotes at end of table.
Table 36. Standard errors for inpatient surgery benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2013—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 2.0 – 2.0 – 6.1 – 2.2

Insurance carriers and related activities ...... – 4.1 – 1.7 – 7.1 – 1.4

Professional and business services ..................... – 4.7 – 2.9 8.2 8.3 – 4.6

Education and health services ............................. 2.0 3.9 – 3.7 8.1 5.5 – 7.1

Educational services ........................................ 3.3 4.8 – 3.1 6.4 7.7 – 4.9

Junior colleges, colleges, and universities ... 1.9 2.5 – 1.2 8.1 8.1 – –

Health care and social assistance ................... 2.2 4.5 – 4.2 – 6.3 – 8.6

1 to 99 workers ........................................................ – 2.1 – 2.0 3.6 3.3 – 2.1

1 to 49 workers .................................................... – 2.2 – 2.0 3.6 3.8 – 3.0

50 to 99 workers .................................................. – 4.0 – 4.0 7.1 7.0 – 1.6

100 workers or more ................................................ 1.1 1.6 – 1.2 3.3 3.3 – 3.2

100 to 499 workers .............................................. – 2.6 – 1.9 4.1 6.4 – 6.4

500 workers or more ............................................ 1.6 1.9 – 1.1 4.2 4.4 – 1.1

Geographic area

New England ........................................................... – 5.8 – 3.9 – – – –

Middle Atlantic ......................................................... 2.5 2.3 – 0.8 5.5 5.4 – 2.4

South Atlantic ........................................................... – 2.4 – 2.2 – 4.9 – 5.2

East South Central ................................................... – 3.4 – 1.0 – 3.4 – –

West South Central .................................................. – 1.5 – 1.5 – 12.0 – 12.6

East North Central ................................................... – 4.7 – 4.0 7.0 7.2 – 0.8

West North Central .................................................. – – – – – 16.9 – 1.5

Mountain .................................................................. – 0.9 – 0.9 – 5.6 – 0.5

Pacific ...................................................................... – 1.8 – 1.8 5.4 4.9 – 0.8

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 37. Outpatient surgery benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2013

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 7 84 – 9

Management, professional, and related .................. 9 79 – 12

Management, business, and financial ................. 5 87 – 8

Professional and related ...................................... 12 74 – 14

Service ..................................................................... 14 81 – 5

Sales and office ....................................................... 5 86 – 8

Sales and related ................................................. – 93 – 6

Office and administrative support ........................ 7 83 – 10

Natural resources, construction, and maintenance 4 90 – 6

Installation, maintenance, and repair ................... 6 85 – 8

Production, transportation, and material moving ..... 4 87 – 9

Production ............................................................ – 89 – 8

Transportation and material moving .................... 5 84 – 11

Full time ................................................................... 7 84 – 9

Part time .................................................................. – 78 – 14

Union ....................................................................... 17 79 – 3

Nonunion ................................................................. 6 84 – 10

Average wage within the following categories2:

Lowest 25 percent ............................................... – 86 – 10

Second 25 percent ............................................... 7 83 – 10

Third 25 percent ................................................... 7 85 – 8

Highest 25 percent ............................................... 9 83 – 9

Highest 10 percent ........................................... 11 79 – 10

Establishment characteristic

Goods-producing industries ..................................... 3 90 – 7

Construction ......................................................... – 90 – 8

Manufacturing ...................................................... 4 89 – 7

Service-providing industries ..................................... 8 82 – 10

Trade, transportation, and utilities ....................... 4 88 – 8

Wholesale trade ............................................... – 85 – 12

Retail trade ...................................................... – 91 – 6

Information ........................................................... – 89 – 3

Financial activities ................................................ 3 90 – 7

Finance and insurance .................................... 3 90 – 6

See footnotes at end of table.
Table 37. Outpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 4 86 – 10 20 74 – 6

Management, professional, and related .................. 6 82 – 12 24 66 – 10

Management, business, and financial ................. 2 89 – 9 15 80 – 5

Professional and related ...................................... 8 78 – 14 28 59 – 13

Service ..................................................................... 11 83 – 6 27 72 – 2

Sales and office ....................................................... 3 87 – 9 13 83 – 3

Sales and related ................................................. – 93 – 6 – 92 – 2

Office and administrative support ........................ 5 84 – 11 16 80 – 4

Natural resources, construction, and maintenance – 91 – 7 – 82 – 5

Installation, maintenance, and repair ................... – 87 – 9 – 78 – 7

Production, transportation, and material moving ..... – 89 – 10 20 76 – 4

Production ............................................................ – 90 – 8 – 81 – 2

Transportation and material moving .................... – 88 – 12 23 71 – 5

Full time ................................................................... 4 86 – 9 19 74 – 6

Part time .................................................................. – 80 – 16 36 63 – 1

Union ....................................................................... 10 87 – 3 44 54 – 2

Nonunion ................................................................. 3 86 – 11 15 78 – 7

Average wage within the following categories2:

Lowest 25 percent ............................................... – 87 – 12 – 78 – 3

Second 25 percent ............................................... 5 85 – 10 16 72 – 11

Third 25 percent ................................................... 4 86 – 9 18 79 – 3

Highest 25 percent ............................................... 5 86 – 9 25 70 – 5

Highest 10 percent ........................................... 6 83 – 11 32 65 – 4

Establishment characteristic

Goods-producing industries ..................................... – 90 – 8 – 85 – 1

Construction ......................................................... – 89 – 9 – 96 – 3 ( )

Manufacturing ...................................................... – 90 – 8 – 81 – 1

Service-providing industries ..................................... 5 85 – 10 21 72 – 7

Trade, transportation, and utilities ....................... – 90 – 10 19 79 – 2

Wholesale trade ............................................... – 83 – 16 – 95 – –

Retail trade ...................................................... – 93 – 7 – 80 – 3 ( )

Information ........................................................... – 96 – 2 – 66 – 7

Financial activities ................................................ 2 90 – 7 – 92 – 2

Finance and insurance .................................... 3 90 – 7 – 89 – 3

See footnotes at end of table.
Table 37. Outpatient surgery benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 90 – 9

Insurance carriers and related activities ...... 5 92 – 3

Professional and business services ..................... – 82 – 11

Education and health services ............................. 16 72 – 12

Educational services ........................................ 12 82 – 6

Junior colleges, colleges, and universities ... 13 85 – 2

Health care and social assistance ................... 17 70 – 13

1 to 99 workers ........................................................ 5 84 – 11

1 to 49 workers .................................................... 6 82 – 13

50 to 99 workers .................................................. – 87 – 8

100 workers or more ................................................ 9 84 – 7

100 to 499 workers .............................................. 5 84 – 10

500 workers or more ............................................ 13 83 – 4

Geographic area

New England ........................................................... 14 74 – 13

Middle Atlantic ......................................................... 16 80 – 4

South Atlantic ........................................................... – 84 – 13

East South Central ................................................... – 86 – 8

West South Central .................................................. 1 93 – 6

East North Central ................................................... 8 77 – 15

West North Central .................................................. – 78 – 19

Mountain .................................................................. – 97 – 2

Pacific ...................................................................... 10 87 – 3

See footnotes at end of table.
Table 37. Outpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 90 – 10 – 93 – 2

Insurance carriers and related activities ...... – 94 – 3 – 85 – 1

Professional and business services ..................... – 84 – 11 – 73 – 9

Education and health services ............................. 13 74 – 13 – 63 – 10

Educational services ........................................ 6 88 – 6 28 66 – 7

Junior colleges, colleges, and universities ... 9 89 – 2 30 69 – 1

Health care and social assistance ................... 14 72 – 14 – 63 – 11

1 to 99 workers ........................................................ – 85 – 13 17 76 – 6

1 to 49 workers .................................................... – 84 – 14 17 75 – 9

50 to 99 workers .................................................. – 90 – 10 – 79 – 2

100 workers or more ................................................ 6 86 – 8 23 71 – 6

100 to 499 workers .............................................. – 86 – 10 15 76 – 9

500 workers or more ............................................ 9 86 – 4 31 67 – 2

Geographic area

New England ........................................................... – 82 – 7 – – – –

Middle Atlantic ......................................................... 11 85 – 3 30 65 – 4

South Atlantic ........................................................... – 84 – 13 3 83 – 14

East South Central ................................................... – 86 – 8 – 85 – –

West South Central .................................................. 1 94 – 6 – 86 – 13

East North Central ................................................... – 77 – 17 20 79 – 1

West North Central .................................................. – – – – – 78 – 2

Mountain .................................................................. – 98 – 2 – 92 – 3 ( )

Pacific ...................................................................... 1 96 – 4 25 73 – 2

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013." 3 Less than 0.5.

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate

that no data were reported or that data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 37. Standard errors for outpatient surgery benefits: Extent of coverage

by type of plan, private industry workers, National Compensation Survey,

2013

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 0.8 1.1 – 0.9

Management, professional, and related .................. 1.6 1.8 – 1.9

Management, business, and financial ................. 0.8 1.3 – 1.1

Professional and related ...................................... 2.4 2.8 – 2.8

Service ..................................................................... 2.6 3.5 – 1.5

Sales and office ....................................................... 0.9 1.5 – 1.2

Sales and related ................................................. – 1.9 – 1.7

Office and administrative support ........................ 1.3 2.0 – 1.7

Natural resources, construction, and maintenance 1.1 1.5 – 1.1

Installation, maintenance, and repair ................... 1.8 2.4 – 1.8

Production, transportation, and material moving ..... 0.9 1.5 – 1.1

Production ............................................................ – 1.8 – 1.4

Transportation and material moving .................... 1.4 2.8 – 2.2

Full time ................................................................... 0.8 1.1 – 0.8

Part time .................................................................. – 6.3 – 6.2

Union ....................................................................... 4.1 3.9 – 0.9

Nonunion ................................................................. 0.8 1.3 – 1.0

Average wage within the following categories2:

Lowest 25 percent ............................................... – 2.8 – 2.5

Second 25 percent ............................................... 1.4 2.0 – 1.9

Third 25 percent ................................................... 0.9 1.3 – 1.1

Highest 25 percent ............................................... 1.6 1.8 – 1.4

Highest 10 percent ........................................... 2.9 3.3 – 2.2

Establishment characteristic

Goods-producing industries ..................................... 0.7 1.2 – 1.0

Construction ......................................................... – 2.4 – 2.2

Manufacturing ...................................................... 0.8 1.5 – 1.2

Service-providing industries ..................................... 1.0 1.4 – 1.1

Trade, transportation, and utilities ....................... 1.0 1.7 – 1.3

Wholesale trade ............................................... – 2.6 – 2.1

Retail trade ...................................................... – 1.8 – 1.2

Information ........................................................... – 4.3 – 1.8

Financial activities ................................................ 0.5 1.3 – 1.1

Finance and insurance .................................... 0.6 1.3 – 1.1

See footnotes at end of table.
Table 37. Standard errors for outpatient surgery benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2013—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 0.7 1.2 – 1.0 2.8 2.2 – 2.0

Management, professional, and related .................. 1.2 2.1 – 2.0 5.4 3.8 – 4.6

Management, business, and financial ................. 0.4 1.5 – 1.4 3.2 3.9 – 2.6

Professional and related ...................................... 1.9 3.2 – 3.0 7.7 5.4 – 7.0

Service ..................................................................... 2.4 3.5 – 1.9 5.7 5.9 – 1.0

Sales and office ....................................................... 1.0 1.6 – 1.3 2.1 2.4 – 1.4

Sales and related ................................................. – 1.9 – 1.9 – 3.5 – 1.6

Office and administrative support ........................ 1.5 2.2 – 1.9 2.6 3.1 – 2.0

Natural resources, construction, and maintenance – 1.5 – 1.4 – 5.7 – 1.7

Installation, maintenance, and repair ................... – 2.6 – 2.3 – 6.8 – 3.0

Production, transportation, and material moving ..... – 1.4 – 1.3 4.5 5.4 – 2.4

Production ............................................................ – 1.6 – 1.5 – 6.6 – 1.4

Transportation and material moving .................... – 2.8 – 2.7 6.1 7.3 – 3.8

Full time ................................................................... 0.7 1.2 – 0.9 2.7 2.3 – 2.1

Part time .................................................................. – 7.0 – 7.1 8.7 8.8 – 0.8

Union ....................................................................... 2.4 2.4 – 1.1 8.3 8.0 – 1.1

Nonunion ................................................................. 0.8 1.3 – 1.2 2.2 3.0 – 2.2

Average wage within the following categories2:

Lowest 25 percent ............................................... – 2.8 – 2.8 – 6.7 – 2.8

Second 25 percent ............................................... 1.4 2.2 – 1.8 4.4 5.2 – 6.3

Third 25 percent ................................................... 0.9 1.4 – 1.4 3.4 3.6 – 1.2

Highest 25 percent ............................................... 1.0 1.8 – 1.7 4.4 4.1 – 1.6

Highest 10 percent ........................................... 1.6 3.1 – 2.6 7.6 7.0 – 1.8

Establishment characteristic

Goods-producing industries ..................................... – 1.3 – 1.2 – 4.5 – 0.7

Construction ......................................................... – 2.8 – 2.7 – 2.0 – 0.4

Manufacturing ...................................................... – 1.5 – 1.4 – 6.1 – 1.0

Service-providing industries ..................................... 0.9 1.5 – 1.3 3.3 2.6 – 2.4

Trade, transportation, and utilities ....................... – 1.7 – 1.5 3.6 3.9 – 1.3

Wholesale trade ............................................... – 3.2 – 2.8 – 3.2 – –

Retail trade ...................................................... – 1.4 – 1.4 – 7.6 – 0.1

Information ........................................................... – 1.8 – 1.2 – 13.4 – 6.8

Financial activities ................................................ 0.4 1.3 – 1.3 – 2.6 – 1.4

Finance and insurance .................................... 0.4 1.3 – 1.3 – 3.4 – 1.9

See footnotes at end of table.
Table 37. Standard errors for outpatient surgery benefits: Extent of coverage

by type of plan, private industry workers, National Compensation Survey,

2013—continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 1.8 – 1.7

Insurance carriers and related activities ...... 1.3 2.0 – 1.5

Professional and business services ..................... – 3.8 – 2.3

Education and health services ............................. 2.3 3.1 – 3.3

Educational services ........................................ 2.2 3.2 – 2.6

Junior colleges, colleges, and universities ... 1.8 2.1 – 0.9

Health care and social assistance ................... 2.7 3.6 – 3.9

1 to 99 workers ........................................................ 1.0 1.8 – 1.6

1 to 49 workers .................................................... 1.5 1.9 – 1.7

50 to 99 workers .................................................. – 3.7 – 3.2

100 workers or more ................................................ 1.2 1.4 – 1.0

100 to 499 workers .............................................. 1.5 2.3 – 1.8

500 workers or more ............................................ 1.8 2.0 – 0.9

Geographic area

New England ........................................................... 3.4 8.1 – 5.6

Middle Atlantic ......................................................... 3.7 3.4 – 0.9

South Atlantic ........................................................... – 2.2 – 1.9

East South Central ................................................... – 3.0 – 1.0

West South Central .................................................. 0.1 1.5 – 1.5

East North Central ................................................... 2.2 4.0 – 3.1

West North Central .................................................. – 5.7 – 5.1

Mountain .................................................................. – 0.6 – 0.3

Pacific ...................................................................... 1.5 2.2 – 1.1

See footnotes at end of table.
Table 37. Standard errors for outpatient surgery benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2013—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 2.0 – 2.0 – 5.3 – 2.2

Insurance carriers and related activities ...... – 2.0 – 1.7 – 3.9 – 1.4

Professional and business services ..................... – 4.7 – 2.9 – 7.6 – 4.6

Education and health services ............................. 2.0 3.8 – 3.6 – 5.6 – 7.1

Educational services ........................................ 1.2 3.0 – 3.1 6.9 7.0 – 4.8

Junior colleges, colleges, and universities ... 1.7 2.3 – 1.2 5.8 5.9 – 0.2

Health care and social assistance ................... 2.3 4.4 – 4.1 – 6.7 – 8.6

1 to 99 workers ........................................................ – 2.1 – 2.0 3.7 3.7 – 2.1

1 to 49 workers .................................................... – 2.2 – 2.0 4.0 4.0 – 3.0

50 to 99 workers .................................................. – 4.0 – 4.0 – 8.7 – 1.6

100 workers or more ................................................ 1.1 1.5 – 1.1 3.8 3.9 – 3.2

100 to 499 workers .............................................. – 2.5 – 1.8 3.8 6.3 – 6.4

500 workers or more ............................................ 1.6 2.0 – 1.1 5.4 5.5 – 1.1

Geographic area

New England ........................................................... – 5.5 – 3.9 – – – –

Middle Atlantic ......................................................... 2.3 1.9 – 0.9 7.6 8.4 – 2.4

South Atlantic ........................................................... – 2.3 – 2.1 0.8 4.6 – 5.2

East South Central ................................................... – 3.2 – 1.2 – 6.9 – –

West South Central .................................................. 0.1 1.5 – 1.5 – 12.6 – 12.6

East North Central ................................................... – 4.4 – 3.8 5.4 5.4 – 0.8

West North Central .................................................. – – – – – 17.5 – 1.5

Mountain .................................................................. – 0.4 – 0.3 – 4.2 – 0.5

Pacific ...................................................................... 0.2 1.7 – 1.8 4.3 3.9 – 0.8

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 38. Physician office visit benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2013

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 1 98 – –

Management, professional, and related .................. 1 99 – 2 ( )

Management, business, and financial ................. – 99 – –

Professional and related ...................................... 2 98 – 2 ( )

Service ..................................................................... 2 96 – 2

Sales and office ....................................................... – 98 – 1

Sales and related ................................................. – 98 – 1

Office and administrative support ........................ – 97 – 1

Natural resources, construction, and maintenance – 99 – 2 ( )

Installation, maintenance, and repair ................... – 100 – –

Production, transportation, and material moving ..... – 97 – 2

Production ............................................................ – 99 – –

Transportation and material moving .................... – 95 – 4

Full time ................................................................... 1 98 – –

Part time .................................................................. – 95 – 4

Union ....................................................................... – 95 – 2

Nonunion ................................................................. 1 98 – –

Average wage within the following categories3:

Lowest 25 percent ............................................... – 97 – 3

Second 25 percent ............................................... – 97 – 1

Third 25 percent ................................................... – 98 – 2 ( )

Highest 25 percent ............................................... 1 99 – 2 ( )

Highest 10 percent ........................................... – 99 – –

Establishment characteristic

Goods-producing industries ..................................... – 98 – –

Construction ......................................................... – 99 – –

Manufacturing ...................................................... – 98 – –

Service-providing industries ..................................... 1 98 – –

Trade, transportation, and utilities ....................... – 97 – 2

Wholesale trade ............................................... – 95 – 3

Retail trade ...................................................... – 97 – 2

Information ........................................................... – 98 – –

Financial activities ................................................ – 100 – –

Finance and insurance .................................... – 100 – –

See footnotes at end of table.
Table 38. Physician office visit benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 1 98 – – – 98 – –

Management, professional, and related .................. 1 99 – 2 ( ) – 97 – –

Management, business, and financial ................. – 99 – – – 99 – –

Professional and related ...................................... – 99 – 2 ( ) – 96 – –

Service ..................................................................... – 95 – 2 – 99 – –

Sales and office ....................................................... – 97 – 1 – 99 – –

Sales and related ................................................. – 98 – 2 – 97 – –

Office and administrative support ........................ – 97 – 1 – 99 – –

Natural resources, construction, and maintenance – 99 – 2 ( ) – 100 – –

Installation, maintenance, and repair ................... – 100 – – – 100 – –

Production, transportation, and material moving ..... – 97 – 2 – 97 – –

Production ............................................................ – 99 – – – 97 – –

Transportation and material moving .................... – 94 – 5 – 98 – –

Full time ................................................................... – 98 – 1 2 98 – –

Part time .................................................................. – 95 – 4 – 95 – –

Union ....................................................................... – 95 – 2 – 96 – –

Nonunion ................................................................. – 98 – 1 – 98 – –

Average wage within the following categories3:

Lowest 25 percent ............................................... – 96 – 3 – 100 – –

Second 25 percent ............................................... – 96 – 2 – 99 – –

Third 25 percent ................................................... – 98 – 2 ( ) – 97 – –

Highest 25 percent ............................................... 1 99 – 2 ( ) – 97 – –

Highest 10 percent ........................................... – 100 – – – 96 – –

Establishment characteristic

Goods-producing industries ..................................... – 99 – – – 95 – –

Construction ......................................................... – 98 – – – 100 – –

Manufacturing ...................................................... – 99 – – – 93 – –

Service-providing industries ..................................... – 97 – 1 – 99 – –

Trade, transportation, and utilities ....................... – 97 – 2 – 99 – –

Wholesale trade ............................................... – 94 – 4 – 100 – –

Retail trade ...................................................... – 97 – 3 – 96 – –

Information ........................................................... – 100 – – – 93 – –

Financial activities ................................................ – 100 – – – 100 – –

Finance and insurance .................................... – 100 – – – 100 – –

See footnotes at end of table.
Table 38. Physician office visit benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 100 – –

Insurance carriers and related activities ...... – 99 – –

Professional and business services ..................... – 100 – –

Education and health services ............................. – 95 – 1

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

Junior colleges, colleges, and universities ... – 99 – –

Health care and social assistance ................... – 94 – 2

1 to 99 workers ........................................................ – 98 – 1

1 to 49 workers .................................................... – 98 – 2 ( )

50 to 99 workers .................................................. – 99 – 1

100 workers or more ................................................ 2 97 – 1

100 to 499 workers .............................................. – 97 – 1

500 workers or more ............................................ – 98 – 2 ( )

Geographic area

New England ........................................................... – 97 – –

Middle Atlantic ......................................................... – 98 – 1

South Atlantic ........................................................... – 97 – 2

East South Central ................................................... – 96 – 2 ( )

West South Central .................................................. – 99 – 2 ( )

East North Central ................................................... 1 98 – 2 ( )

West North Central .................................................. – 96 – 3

Mountain .................................................................. – 99 – –

Pacific ...................................................................... – 98 – 2 ( )

See footnotes at end of table.
Table 38. Physician office visit benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 100 – – – 100 – –

Insurance carriers and related activities ...... – 99 – – – 99 – –

Professional and business services ..................... – 100 – – – 98 – –

Education and health services ............................. – 94 – 2 – 100 – –

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

Junior colleges, colleges, and universities ... – 99 – – – 99 – –

Health care and social assistance ................... – 93 – 2 – 100 – –

1 to 99 workers ........................................................ – 98 – 1 – 98 – –

1 to 49 workers .................................................... – 98 – 1 – 97 – –

50 to 99 workers .................................................. – 99 – 1 – 99 – –

100 workers or more ................................................ 2 97 – 1 – 98 – –

100 to 499 workers .............................................. – 97 – 2 – 100 – –

500 workers or more ............................................ – 98 – 1 – 97 – –

Geographic area

New England ........................................................... – 96 – – – 97 – –

Middle Atlantic ......................................................... – 97 – 1 – 98 – –

South Atlantic ........................................................... – 98 – 2 – 96 – –

East South Central ................................................... – 96 – 2 ( ) – 100 – –

West South Central .................................................. – 99 – 2 ( ) – 100 – –

East North Central ................................................... 1 98 – 2 ( ) – 96 – –

West North Central .................................................. – 96 – 3 – 99 – –

Mountain .................................................................. – 99 – – – 99 – –

Pacific ...................................................................... – 97 – 2 ( ) – 99 – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Less than 0.5. 3 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate

that no data were reported or that data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 38. Standard errors for physician office visit benefits: Extent of

coverage by type of plan, private industry workers, National Compensation

Survey, 2013

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 0.4 0.5 – –

Management, professional, and related .................. 0.4 0.4 – 0.1

Management, business, and financial ................. – 0.2 – –

Professional and related ...................................... 0.5 0.5 – 0.1

Service ..................................................................... 0.7 1.0 – 0.6

Sales and office ....................................................... – 0.9 – 0.4

Sales and related ................................................. – 0.9 – 0.7

Office and administrative support ........................ – 1.2 – 0.3

Natural resources, construction, and maintenance – 0.3 – 0.1

Installation, maintenance, and repair ................... – 0.2 – –

Production, transportation, and material moving ..... – 1.1 – 0.8

Production ............................................................ – 0.9 – –

Transportation and material moving .................... – 1.8 – 1.6

Full time ................................................................... 0.4 0.5 – –

Part time .................................................................. – 2.2 – 1.9

Union ....................................................................... – 1.2 – 0.9

Nonunion ................................................................. 0.4 0.5 – –

Average wage within the following categories3:

Lowest 25 percent ............................................... – 1.4 – 1.4

Second 25 percent ............................................... – 0.9 – 0.5

Third 25 percent ................................................... – 0.7 – 0.1

Highest 25 percent ............................................... 0.3 0.3 – 0.1

Highest 10 percent ........................................... – 0.5 – –

Establishment characteristic

Goods-producing industries ..................................... – 0.7 – –

Construction ......................................................... – 0.6 – –

Manufacturing ...................................................... – 0.7 – –

Service-providing industries ..................................... 0.4 0.6 – –

Trade, transportation, and utilities ....................... – 1.0 – 0.7

Wholesale trade ............................................... – 3.0 – 2.0

Retail trade ...................................................... – 1.4 – 1.2

Information ........................................................... – 1.5 – –

Financial activities ................................................ – 0.2 – –

Finance and insurance .................................... – 0.3 – –

See footnotes at end of table.
Table 38. Standard errors for physician office visit benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2013—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

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

Management, professional, and related .................. 0.3 0.3 – 0.1 – 1.2 – –

Management, business, and financial ................. – 0.3 – – – 0.4 – –

Professional and related ...................................... – 0.4 – 0.2 – 1.8 – –

Service ..................................................................... – 1.2 – 0.8 – 0.9 – –

Sales and office ....................................................... – 1.0 – 0.5 – 0.7 – –

Sales and related ................................................. – 0.9 – 0.9 – 2.1 – –

Office and administrative support ........................ – 1.4 – 0.4 – 0.4 – –

Natural resources, construction, and maintenance – 0.4 – 0.1 – 2 () – –

Installation, maintenance, and repair ................... – 0.2 – – – 2 () – –

Production, transportation, and material moving ..... – 1.3 – 0.9 – 1.6 – –

Production ............................................................ – 0.9 – – – 2.1 – –

Transportation and material moving .................... – 2.2 – 2.0 – 2.6 – –

Full time ................................................................... – 0.6 – 0.3 0.6 0.6 – –

Part time .................................................................. – 2.4 – 2.2 – 3.5 – –

Union ....................................................................... – 1.5 – 1.1 – 1.9 – –

Nonunion ................................................................. – 0.5 – 0.3 – 0.7 – –

Average wage within the following categories3:

Lowest 25 percent ............................................... – 1.7 – 1.7 – 2 () – –

Second 25 percent ............................................... – 1.2 – 0.7 – 0.5 – –

Third 25 percent ................................................... – 0.8 – 0.2 – 0.9 – –

Highest 25 percent ............................................... 0.2 0.2 – 0.1 – 1.2 – –

Highest 10 percent ........................................... – 0.2 – – – 2.4 – –

Establishment characteristic

Goods-producing industries ..................................... – 0.8 – – – 1.5 – –

Construction ......................................................... – 0.7 – – – 2 () – –

Manufacturing ...................................................... – 0.7 – – – 2.0 – –

Service-providing industries ..................................... – 0.6 – 0.4 – 0.7 – –

Trade, transportation, and utilities ....................... – 1.1 – 0.9 – 1.0 – –

Wholesale trade ............................................... – 3.9 – 2.6 – 2 () – –

Retail trade ...................................................... – 1.4 – 1.4 – 2.4 – –

Information ........................................................... – 0.3 – – – 6.8 – –

Financial activities ................................................ – 0.2 – – – 0.3 – –

Finance and insurance .................................... – 0.3 – – – 0.5 – –

See footnotes at end of table.
Table 38. Standard errors for physician office visit benefits: Extent of

coverage by type of plan, private industry workers, National Compensation

Survey, 2013—continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 2 () – –

Insurance carriers and related activities ...... – 0.7 – –

Professional and business services ..................... – 0.4 – –

Education and health services ............................. – 1.7 – 0.9

Educational services ........................................ – 0.7 – –

Junior colleges, colleges, and universities ... – 0.7 – –

Health care and social assistance ................... – 2.0 – 1.0

1 to 99 workers ........................................................ – 0.7 – 0.3

1 to 49 workers .................................................... – 0.9 – 0.3

50 to 99 workers .................................................. – 0.5 – 0.4

100 workers or more ................................................ 0.4 0.5 – 0.4

100 to 499 workers .............................................. – 0.8 – 0.7

500 workers or more ............................................ – 0.7 – 0.3

Geographic area

New England ........................................................... – 2.4 – –

Middle Atlantic ......................................................... – 0.7 – 0.1

South Atlantic ........................................................... – 1.2 – 1.1

East South Central ................................................... – 3.7 – 0.1

West South Central .................................................. – 0.2 – 0.2

East North Central ................................................... 0.2 0.4 – 0.3

West North Central .................................................. – 2.8 – 1.9

Mountain .................................................................. – 0.6 – –

Pacific ...................................................................... – 1.1 – 2 ( )

See footnotes at end of table.
Table 38. Standard errors for physician office visit benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2013—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 2 () – – – 2 () – –

Insurance carriers and related activities ...... – 0.8 – – – 1.4 – –

Professional and business services ..................... – 0.1 – – – 1.4 – –

Education and health services ............................. – 2.1 – 1.1 – 0.2 – –

Educational services ........................................ – 0.7 – – – 1.0 – –

Junior colleges, colleges, and universities ... – 0.9 – – – 0.6 – –

Health care and social assistance ................... – 2.5 – 1.3 – 2 () – –

1 to 99 workers ........................................................ – 0.8 – 0.3 – 1.1 – –

1 to 49 workers .................................................... – 1.0 – 0.3 – 1.6 – –

50 to 99 workers .................................................. – 0.5 – 0.5 – 0.7 – –

100 workers or more ................................................ 0.4 0.6 – 0.5 – 0.7 – –

100 to 499 workers .............................................. – 1.0 – 0.8 – 2 () – –

500 workers or more ............................................ – 0.8 – 0.4 – 1.4 – –

Geographic area

New England ........................................................... – 3.4 – – – 2.8 – –

Middle Atlantic ......................................................... – 0.7 – 0.1 – 1.2 – –

South Atlantic ........................................................... – 1.2 – 1.2 – 3.5 – –

East South Central ................................................... – 4.0 – 0.1 – 2 () – –

West South Central .................................................. – 0.2 – 0.2 – 2 () – –

East North Central ................................................... 0.1 0.4 – 0.4 – 1.3 – –

West North Central .................................................. – 3.0 – 2.0 – 1.2 – –

Mountain .................................................................. – 0.6 – – – 0.7 – –

Pacific ...................................................................... – 1.7 – 0.1 – 1.0 – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Less than 0.05. 3 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 39. Inpatient mental health care benefits: Extent of coverage by type of

plan, private industry workers, National Compensation Survey, 2013

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 4 78 1 17

Management, professional, and related .................. 6 76 – –

Management, business, and financial ................. 2 83 – –

Service ..................................................................... 9 74 – –

Sales and office ....................................................... 2 81 – –

Sales and related ................................................. – 86 – 12

Office and administrative support ........................ 2 78 – –

Natural resources, construction, and maintenance – 83 – 14

Installation, maintenance, and repair ................... – 81 – 15

Production, transportation, and material moving ..... – 80 – 15

Production ............................................................ – 85 – 12

Transportation and material moving .................... – 74 – 19

Full time ................................................................... 4 78 1 17

Part time .................................................................. – 87 – 7

Union ....................................................................... 15 74 – –

Nonunion ................................................................. 3 79 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... – 80 – 16

Second 25 percent ............................................... 4 78 – –

Third 25 percent ................................................... 3 79 – –

Highest 25 percent ............................................... 6 79 – –

Highest 10 percent ........................................... – 76 – 16

Establishment characteristic

Goods-producing industries ..................................... 2 82 – –

Construction ......................................................... – 78 – 19

Manufacturing ...................................................... 2 83 – –

Service-providing industries ..................................... 5 77 – –

Trade, transportation, and utilities ....................... – 81 – 15

Wholesale trade ............................................... – – – –

Retail trade ...................................................... – 87 – 12

Information ........................................................... – 83 – 15

Financial activities ................................................ 1 85 – –

Finance and insurance .................................... 1 85 – –

See footnotes at end of table.
Table 39. Inpatient mental health care benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 3 80 – – 12 73 – –

Management, professional, and related .................. 3 79 – – – – – –

Management, business, and financial ................. – 86 – 13 – 74 – 19

Service ..................................................................... 6 74 – – – 74 – 3

Sales and office ....................................................... – 81 – 16 5 79 – 17

Sales and related ................................................. – 87 – 12 – 85 – 12

Office and administrative support ........................ – 79 – 18 5 76 – 19

Natural resources, construction, and maintenance – 83 – 14 – 81 – 15

Installation, maintenance, and repair ................... – 80 – 16 – 85 – 11

Production, transportation, and material moving ..... – 81 – 16 – 77 – 10

Production ............................................................ – 85 – 12 2 85 – –

Transportation and material moving .................... – – – – – 71 – 8

Full time ................................................................... 2 79 – – 11 72 – –

Part time .................................................................. – 89 – 8 – 77 – 5

Union ....................................................................... 7 81 – – 42 51 – –

Nonunion ................................................................. 2 80 – – 6 77 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... – 80 – 18 – 82 – 7

Second 25 percent ............................................... – 78 – 18 – 75 – 14

Third 25 percent ................................................... 2 79 – – 7 74 – –

Highest 25 percent ............................................... 3 81 – – – 67 – 17

Highest 10 percent ........................................... 4 82 – – – – – –

Establishment characteristic

Goods-producing industries ..................................... 2 83 – – 2 82 – 16

Construction ......................................................... – – – – – – – –

Manufacturing ...................................................... – 83 – 14 2 83 – 15

Service-providing industries ..................................... 3 79 – – 14 71 – –

Trade, transportation, and utilities ....................... – 82 – 15 – 73 – 14

Wholesale trade ............................................... – – – – – 82 – 15

Retail trade ...................................................... – 88 – 11 – 76 – 17

Information ........................................................... – 85 – 14 – 77 – 19

Financial activities ................................................ – 85 – 14 – 86 – 9

Finance and insurance .................................... – 86 – 13 7 79 – –

See footnotes at end of table.
Table 39. Inpatient mental health care benefits: Extent of coverage by type of

plan, private industry workers, National Compensation Survey,

2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 86 – 13

Insurance carriers and related activities ...... – 84 – 13

Professional and business services ..................... – – – –

Education and health services ............................. 12 70 – –

Educational services:

 Junior colleges, colleges, and universities ... – – – –

Health care and social assistance ................... – 71 – 16

1 to 99 workers ........................................................ – – – –

50 to 99 workers .................................................. – 82 – 12

100 workers or more ................................................ 6 80 – –

100 to 499 workers .............................................. 3 81 – –

500 workers or more ............................................ 9 79 – –

Geographic area

New England ........................................................... 5 77 – –

Middle Atlantic ......................................................... – 70 – 17

South Atlantic ........................................................... – 81 – 18

East South Central ................................................... – 85 – 12

West South Central .................................................. – 87 – 12

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

West North Central .................................................. – 79 – 19

Mountain .................................................................. – 85 – 14

Pacific ...................................................................... 7 82 – –

See footnotes at end of table.
Table 39. Inpatient mental health care benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 86 – 14 – 86 – 11

Insurance carriers and related activities ...... – 84 – 15 – 86 – 4

Professional and business services ..................... – 81 – 19 – – – –

Education and health services ............................. 9 72 – – – 65 – 12

Educational services:

 Junior colleges, colleges, and universities ... – – – – 25 62 – 13

Health care and social assistance ................... 10 72 – – – 67 – 10

1 to 99 workers ........................................................ – – – – – 71 – 18

50 to 99 workers .................................................. – 87 – 11 – 64 – 12

100 workers or more ................................................ 4 82 – – 13 74 – –

100 to 499 workers .............................................. 1 83 – – – 74 – 15

500 workers or more ............................................ 7 80 – – 16 74 – –

Geographic area

New England ........................................................... – 76 – 18 – 80 – 14

Middle Atlantic ......................................................... 8 76 – – – – – –

South Atlantic ........................................................... – 82 – 16 – – – –

East South Central ................................................... – 86 – 11 – – – –

West South Central .................................................. – 88 – 11 – – – –

East North Central ................................................... – – – – – 80 – 13

West North Central .................................................. – – – – – 95 – 2

Mountain .................................................................. – 85 – 14 – 82 – 13

Pacific ...................................................................... – 87 – 11 17 74 – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate

that no data were reported or that data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 39. Standard errors for inpatient mental health care benefits: Extent of

coverage by type of plan, private industry workers, National Compensation

Survey, 2013

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 0.8 1.1 0.2 0.7

Management, professional, and related .................. 1.7 2.1 – –

Management, business, and financial ................. 0.5 1.6 – –

Service ..................................................................... 2.4 3.4 – –

Sales and office ....................................................... 0.5 1.3 – –

Sales and related ................................................. – 2.2 – 2.0

Office and administrative support ........................ 0.6 1.8 – –

Natural resources, construction, and maintenance – 2.0 – 1.9

Installation, maintenance, and repair ................... – 2.3 – 2.3

Production, transportation, and material moving ..... – 2.5 – 1.9

Production ............................................................ – 3.3 – 2.6

Transportation and material moving .................... – 3.4 – 2.6

Full time ................................................................... 0.7 1.1 0.2 0.8

Part time .................................................................. – 3.8 – 3.1

Union ....................................................................... 4.0 3.7 – –

Nonunion ................................................................. 0.4 1.0 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... – 2.2 – 2.2

Second 25 percent ............................................... 1.2 1.8 – –

Third 25 percent ................................................... 0.6 1.6 – –

Highest 25 percent ............................................... 1.6 1.9 – –

Highest 10 percent ........................................... – 3.8 – 2.4

Establishment characteristic

Goods-producing industries ..................................... 0.3 2.0 – –

Construction ......................................................... – 3.3 – 3.0

Manufacturing ...................................................... 0.5 2.5 – –

Service-providing industries ..................................... 1.0 1.2 – –

Trade, transportation, and utilities ....................... – 1.7 – 1.3

Wholesale trade ............................................... – – – –

Retail trade ...................................................... – 1.9 – 2.0

Information ........................................................... – 5.4 – 5.2

Financial activities ................................................ 0.3 1.2 – –

Finance and insurance .................................... 0.3 1.4 – –

See footnotes at end of table.
Table 39. Standard errors for inpatient mental health care benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2013—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 0.5 1.0 – – 3.2 4.0 – –

Management, professional, and related .................. 0.5 1.8 – – – – – –

Management, business, and financial ................. – 1.7 – 1.7 – 4.7 – 3.8

Service ..................................................................... 1.8 4.1 – – – 8.8 – 1.2

Sales and office ....................................................... – 1.3 – 1.3 1.2 3.9 – 3.6

Sales and related ................................................. – 2.3 – 2.2 – 4.8 – 4.2

Office and administrative support ........................ – 1.8 – 1.8 1.3 4.7 – 4.6

Natural resources, construction, and maintenance – 2.2 – 2.2 – 5.5 – 5.4

Installation, maintenance, and repair ................... – 3.0 – 2.9 – 4.9 – 4.3

Production, transportation, and material moving ..... – 2.6 – 2.1 – 7.3 – 3.7

Production ............................................................ – 3.3 – 2.6 0.5 6.2 – –

Transportation and material moving .................... – – – – – 9.9 – 4.2

Full time ................................................................... 0.5 1.2 – – 2.9 3.9 – –

Part time .................................................................. – 3.8 – 3.5 – 10.5 – 2.7

Union ....................................................................... 1.6 2.8 – – 9.6 8.5 – –

Nonunion ................................................................. 0.5 1.1 – – 1.1 2.9 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... – 2.4 – 2.3 – 5.9 – 3.5

Second 25 percent ............................................... – 2.0 – 1.8 – 5.5 – 3.7

Third 25 percent ................................................... 0.5 1.8 – – 1.9 3.9 – –

Highest 25 percent ............................................... 0.5 1.7 – – – 6.4 – 3.6

Highest 10 percent ........................................... 0.9 2.7 – – – – – –

Establishment characteristic

Goods-producing industries ..................................... 0.3 2.1 – – 0.4 5.4 – 5.4

Construction ......................................................... – – – – – – – –

Manufacturing ...................................................... – 2.7 – 2.4 0.3 6.6 – 6.5

Service-providing industries ..................................... 0.6 1.2 – – 3.7 4.5 – –

Trade, transportation, and utilities ....................... – 1.9 – 1.7 – 5.4 – 4.9

Wholesale trade ............................................... – – – – – 6.5 – 6.2

Retail trade ...................................................... – 2.4 – 2.3 – 8.0 – 7.4

Information ........................................................... – 6.2 – 6.1 – 10.2 – 9.4

Financial activities ................................................ – 1.6 – 1.8 – 5.0 – 4.7

Finance and insurance .................................... – 1.9 – 2.0 1.7 6.4 – –

See footnotes at end of table.
Table 39. Standard errors for inpatient mental health care benefits: Extent of

coverage by type of plan, private industry workers, National Compensation

Survey, 2013—continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 2.5 – 2.6

Insurance carriers and related activities ...... – 4.0 – 4.0

Professional and business services ..................... – – – –

Education and health services ............................. 3.2 3.9 – –

Educational services:

 Junior colleges, colleges, and universities ... – – – –

Health care and social assistance ................... – 4.4 – 2.9

1 to 99 workers ........................................................ – – – –

50 to 99 workers .................................................. – 4.1 – 2.4

100 workers or more ................................................ 0.8 1.3 – –

100 to 499 workers .............................................. 0.7 2.1 – –

500 workers or more ............................................ 1.5 2.3 – –

Geographic area

New England ........................................................... 1.3 4.1 – –

Middle Atlantic ......................................................... – 3.7 – 2.1

South Atlantic ........................................................... – 2.4 – 1.8

East South Central ................................................... – 1.1 – 2.2

West South Central .................................................. – 2.1 – 2.4

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

West North Central .................................................. – 2.3 – 1.7

Mountain .................................................................. – 1.6 – 1.1

Pacific ...................................................................... 1.3 2.3 – –

See footnotes at end of table.
Table 39. Standard errors for inpatient mental health care benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2013—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 2.8 – 2.9 – 5.8 – 5.6

Insurance carriers and related activities ...... – 4.5 – 4.7 – 5.0 – 3.5

Professional and business services ..................... – 3.0 – 3.0 – – – –

Education and health services ............................. 2.0 3.9 – – – 12.0 – 3.2

Educational services:

 Junior colleges, colleges, and universities ... – – – – 4.4 6.4 – 5.6

Health care and social assistance ................... 2.3 4.2 – – – 14.5 – 3.6

1 to 99 workers ........................................................ – – – – – 5.6 – 3.3

50 to 99 workers .................................................. – 3.1 – 3.0 – 11.7 – 4.2

100 workers or more ................................................ 0.8 1.4 – – 2.2 3.8 – –

100 to 499 workers .............................................. 0.4 2.2 – – – 6.3 – 4.2

500 workers or more ............................................ 1.8 2.7 – – 2.5 4.1 – –

Geographic area

New England ........................................................... – 5.3 – 4.5 – 6.1 – 5.1

Middle Atlantic ......................................................... 1.6 3.2 – – – – – –

South Atlantic ........................................................... – 2.7 – 2.2 – – – –

East South Central ................................................... – 2.7 – 3.4 – – – –

West South Central .................................................. – 1.8 – 2.0 – – – –

East North Central ................................................... – – – – – 5.7 – 3.9

West North Central .................................................. – – – – – 1.9 – 1.5

Mountain .................................................................. – 2.6 – 2.6 – 4.1 – 6.1

Pacific ...................................................................... – 3.1 – 2.9 3.9 4.0 – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 40. Outpatient mental health care benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2013

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans Fee-for-service plan

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 1 79 – – 1 80 – –

Management, professional, and related .................. – – – – – 80 – 19

Management, business, and financial ................. 1 81 – – – 84 – 15

Service ..................................................................... 2 81 – – – – – –

Sales and office ....................................................... 1 79 – – – 80 – 18

Sales and related ................................................. – 84 – 15 – 84 – 15

Natural resources, construction, and maintenance – 82 – 17 – 83 – 16

Installation, maintenance, and repair ................... – 82 – 17 – 82 – 17

Production, transportation, and material moving ..... – 79 – 18 – 79 – 19

Production ............................................................ – 82 – 16 – 83 – 15

Full time ................................................................... 1 78 – – 1 79 – –

Part time .................................................................. – 89 – 9 – 90 – 9

Union ....................................................................... 4 83 – – – 84 – 12

Average wage within the following categories2:

Lowest 25 percent ............................................... – 80 – 17 – 80 – 19

Second 25 percent ............................................... 1 79 – – – 79 – 19

Highest 25 percent ............................................... 2 80 – – 1 82 – –

Highest 10 percent ........................................... – 80 – 18 – 83 – 16

Establishment characteristic

Goods-producing industries ..................................... – 80 – 18 – 81 – 17

Manufacturing ...................................................... – 81 – 17 – 83 – 16

Service-providing industries ..................................... 1 79 – – 1 79 – –

Trade, transportation, and utilities ....................... – 80 – 17 – 80 – 17

Retail trade ...................................................... – 86 – 13 – 88 – 12

Information ........................................................... – 81 – 18 – 83 – 17

Financial activities ................................................ – 83 – 16 – 83 – 16

Finance and insurance .................................... – 82 – 17 – 83 – 16

Credit intermediation and related activities .. – 83 – 16 – 83 – 17

Insurance carriers and related activities ...... – 81 – 17 – 81 – 18

Professional and business services ..................... – – – – – – – 19

Education and health services ............................. – 80 – 18 – – – –

Health care and social assistance ................... – 81 – 17 – 80 – 19

See footnotes at end of table.
Table 40. Outpatient mental health care benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans Fee-for-service plan

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

1 to 99 workers:

50 to 99 workers ................................................ – 84 – 13 – 85 – 13

100 workers or more ................................................ 1 83 – – – 83 – 15

100 to 499 workers .............................................. – 81 – 18 – 81 – 17

500 workers or more ............................................ 2 85 – – – 86 – 12

Geographic area

New England ........................................................... – 79 – 18 – 78 – 18

Middle Atlantic ......................................................... – 77 – 17 – 80 – 15

South Atlantic ........................................................... – 79 – 19 – 81 – 18

East South Central ................................................... – 82 – 15 – 83 – 15

West South Central .................................................. – 84 – 14 – 85 – 14

Mountain .................................................................. – 81 – 19 – 83 – 17

Pacific ...................................................................... – 85 – 14 – 87 – 13

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate

that no data were reported or that data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 40. Standard errors for outpatient mental health care benefits: Extent of coverage by type of plan, private

industry workers, National Compensation Survey, 2013

Characteristics

All plans Fee-for-service plan

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 0.2 0.9 – – 0.1 1.0 – –

Management, professional, and related .................. – – – – – 1.7 – 1.6

Management, business, and financial ................. 0.4 1.4 – – – 1.8 – 1.7

Service ..................................................................... 0.4 3.0 – – – – – –

Sales and office ....................................................... 0.1 1.4 – – – 1.4 – 1.4

Sales and related ................................................. – 2.4 – 2.3 – 2.4 – 2.4

Natural resources, construction, and maintenance – 2.3 – 2.3 – 2.6 – 2.6

Installation, maintenance, and repair ................... – 2.4 – 2.4 – 2.9 – 3.0

Production, transportation, and material moving ..... – 2.3 – 2.0 – 2.5 – 2.1

Production ............................................................ – 3.4 – 2.9 – 3.3 – 2.7

Full time ................................................................... 0.2 1.0 – – 0.1 1.1 – –

Part time .................................................................. – 2.8 – 3.2 – 3.7 – 3.7

Union ....................................................................... 1.0 2.6 – – – 2.9 – 2.4

Average wage within the following categories2:

Lowest 25 percent ............................................... – 2.1 – 2.2 – 2.5 – 2.4

Second 25 percent ............................................... 0.3 1.6 – – – 1.8 – 1.8

Highest 25 percent ............................................... 0.4 1.5 – – 0.3 1.6 – –

Highest 10 percent ........................................... – 2.6 – 2.6 – 2.7 – 2.7

Establishment characteristic

Goods-producing industries ..................................... – 2.4 – 2.2 – 2.5 – 2.4

Manufacturing ...................................................... – 2.7 – 2.4 – 2.7 – 2.5

Service-providing industries ..................................... 0.3 1.0 – – 0.2 1.1 – –

Trade, transportation, and utilities ....................... – 1.7 – 1.4 – 1.6 – 1.7

Retail trade ...................................................... – 1.9 – 1.8 – 2.1 – 2.0

Information ........................................................... – 5.5 – 5.4 – 6.2 – 6.2

Financial activities ................................................ – 1.6 – 1.6 – 1.9 – 2.0

Finance and insurance .................................... – 2.1 – 2.1 – 2.4 – 2.4

Credit intermediation and related activities .. – 2.9 – 2.9 – 3.2 – 3.2

Insurance carriers and related activities ...... – 4.0 – 3.8 – 4.7 – 4.6

Professional and business services ..................... – – – – – – – 3.1

Education and health services ............................. – 2.5 – 2.4 – – – –

Health care and social assistance ................... – 2.7 – 2.7 – 3.6 – 3.4

See footnotes at end of table.
Table 40. Standard errors for outpatient mental health care benefits: Extent of coverage by type of plan, private

industry workers, National Compensation Survey, 2013—continued

Characteristics

All plans Fee-for-service plan

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

1 to 99 workers:

50 to 99 workers ................................................ – 2.6 – 2.5 – 3.3 – 3.1

100 workers or more ................................................ 0.3 1.2 – – – 1.3 – 1.3

100 to 499 workers .............................................. – 1.9 – 1.9 – 2.1 – 2.1

500 workers or more ............................................ 0.5 1.9 – – – 2.3 – 2.0

Geographic area

New England ........................................................... – 4.1 – 3.8 – 4.7 – 4.5

Middle Atlantic ......................................................... – 3.5 – 2.5 – 3.5 – 2.0

South Atlantic ........................................................... – 2.4 – 1.9 – 2.6 – 2.1

East South Central ................................................... – 1.6 – 3.2 – 2.9 – 4.1

West South Central .................................................. – 2.5 – 2.4 – 2.0 – 1.9

Mountain .................................................................. – 2.5 – 2.5 – 3.7 – 3.7

Pacific ...................................................................... – 2.0 – 2.1 – 2.9 – 3.0

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 41. Inpatient substance abuse detoxification benefits: Extent of

coverage by type of plan, private industry workers, National Compensation

Survey, 2013

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 5 76 2 17

Management, professional, and related .................. 7 73 2 19

Management, business, and financial ................. 4 78 – –

Professional and related ...................................... – – – –

Service ..................................................................... 10 72 – –

Sales and office ....................................................... 2 80 2 16

Sales and related ................................................. – 84 – 14

Office and administrative support ........................ 3 78 2 17

Natural resources, construction, and maintenance – 79 – 16

Installation, maintenance, and repair ................... – 76 – 15

Production, transportation, and material moving ..... 4 78 4 15

Production ............................................................ – 83 4 –

Transportation and material moving .................... – 73 4 –

Full time ................................................................... 5 75 2 17

Part time .................................................................. – 86 – 7

Union ....................................................................... 16 72 – –

Nonunion ................................................................. 3 77 2 18

Average wage within the following categories2:

Lowest 25 percent ............................................... – 78 – 17

Second 25 percent ............................................... – 76 3 –

Third 25 percent ................................................... 4 76 – –

Highest 25 percent ............................................... 7 76 2 16

Highest 10 percent ........................................... – 75 – 16

Establishment characteristic

Goods-producing industries ..................................... 2 79 4 16

Manufacturing ...................................................... 2 80 5 14

Service-providing industries ..................................... 6 75 2 17

Trade, transportation, and utilities ....................... 3 80 – –

Wholesale trade ............................................... – – – –

Retail trade ...................................................... – 85 – 14

Information ........................................................... – 79 – 15

Financial activities ................................................ 1 83 – –

Finance and insurance .................................... 1 83 – –

See footnotes at end of table.
Table 41. Inpatient substance abuse detoxification benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 3 78 2 17 14 69 – –

Management, professional, and related .................. 3 76 2 19 – 60 – 18

Management, business, and financial ................. – 83 – 15 15 59 – –

Professional and related ...................................... – – – – – 61 – 18

Service ..................................................................... – – – – – 69 – 7

Sales and office ....................................................... – 80 2 – 6 78 – –

Sales and related ................................................. – 85 – 13 – 78 – 17

Office and administrative support ........................ – 78 2 – 6 77 – –

Natural resources, construction, and maintenance – 79 – 16 – 79 – 14

Installation, maintenance, and repair ................... – 76 – 17 – 79 – 11

Production, transportation, and material moving ..... – 79 4 – – 73 – 10

Production ............................................................ – 83 4 – 2 81 – –

Transportation and material moving .................... – – – – – 67 – 9

Full time ................................................................... 3 77 2 18 14 69 – –

Part time .................................................................. – 88 – 8 – 71 – 5

Union ....................................................................... 7 80 – – 46 45 – –

Nonunion ................................................................. 2 77 2 18 8 74 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... – 77 – 19 – 81 – 10

Second 25 percent ............................................... – 76 3 – – 73 – 13

Third 25 percent ................................................... 2 78 2 17 9 70 – –

Highest 25 percent ............................................... 3 79 2 16 – 63 – 14

Highest 10 percent ........................................... 4 81 – – – 53 – 18

Establishment characteristic

Goods-producing industries ..................................... 2 79 4 16 1 78 – –

Manufacturing ...................................................... – 80 5 – 2 77 – –

Service-providing industries ..................................... 3 77 2 18 16 68 – –

Trade, transportation, and utilities ....................... – 82 – 15 – 72 – 14

Wholesale trade ............................................... – – – – – 86 – 11

Retail trade ...................................................... – 87 – 12 – – – –

Information ........................................................... – 81 – 14 – 74 – 19

Financial activities ................................................ – 82 – 16 5 86 – 9

Finance and insurance .................................... – 84 – 15 7 79 – 14

See footnotes at end of table.
Table 41. Inpatient substance abuse detoxification benefits: Extent of

coverage by type of plan, private industry workers, National Compensation

Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 82 – 17

Insurance carriers and related activities ...... – 84 – 14

Professional and business services ..................... – 76 – 18

Education and health services ............................. 13 68 1 18

Educational services:

 Junior colleges, colleges, and universities ... 11 64 – –

Health care and social assistance ................... – 69 – 17

1 to 99 workers ........................................................ – – – –

50 to 99 workers .................................................. – 79 – 13

100 workers or more ................................................ 6 77 3 14

100 to 499 workers .............................................. 3 80 3 15

500 workers or more ............................................ 10 74 3 12

Geographic area

New England ........................................................... 10 73 – –

Middle Atlantic ......................................................... – 69 – 16

South Atlantic ........................................................... – 76 5 –

East South Central ................................................... – 89 – 9

West South Central .................................................. – 83 4 –

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

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

Mountain .................................................................. – 86 1 –

Pacific ...................................................................... 7 80 – –

See footnotes at end of table.
Table 41. Inpatient substance abuse detoxification benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 82 – 18 – 86 – 11

Insurance carriers and related activities ...... – 84 – 15 – 87 – 4

Professional and business services ..................... – 80 – 19 – 60 – 17

Education and health services ............................. – – – – – 63 – 12

Educational services:

 Junior colleges, colleges, and universities ... 6 66 – – 30 55 – 15

Health care and social assistance ................... 10 70 – – – 66 – 10

1 to 99 workers ........................................................ – – – – – 69 – 19

50 to 99 workers .................................................. – 84 – 13 – 61 – 12

100 workers or more ................................................ 4 79 2 14 17 69 – –

100 to 499 workers .............................................. 1 81 2 16 – 75 – 8

500 workers or more ............................................ 8 77 3 13 23 62 – –

Geographic area

New England ........................................................... 7 74 – – – 68 – 14

Middle Atlantic ......................................................... 8 75 – – – – – –

South Atlantic ........................................................... – 77 5 – – – – –

East South Central ................................................... – 88 – 9 – 97 – 1

West South Central .................................................. – 84 4 – – – – –

East North Central ................................................... – – – – 11 71 – –

West North Central .................................................. – – – – – 93 – 3

Mountain .................................................................. – 85 – 14 – 90 – 5

Pacific ...................................................................... – 86 – 12 18 71 – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate

that no data were reported or that data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 41. Standard errors for inpatient substance abuse detoxification

benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2013

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 0.8 1.1 0.3 0.8

Management, professional, and related .................. 1.7 2.2 0.4 1.6

Management, business, and financial ................. 0.7 2.0 – –

Professional and related ...................................... – – – –

Service ..................................................................... 2.5 3.5 – –

Sales and office ....................................................... 0.4 1.3 0.5 1.2

Sales and related ................................................. – 2.4 – 2.2

Office and administrative support ........................ 0.6 1.8 0.6 1.7

Natural resources, construction, and maintenance – 2.1 – 1.8

Installation, maintenance, and repair ................... – 3.0 – 2.4

Production, transportation, and material moving ..... 0.9 2.1 0.6 1.8

Production ............................................................ – 2.7 0.7 –

Transportation and material moving .................... – 2.9 0.9 –

Full time ................................................................... 0.7 1.1 0.3 0.9

Part time .................................................................. – 3.9 – 3.1

Union ....................................................................... 4.5 3.9 – –

Nonunion ................................................................. 0.4 1.0 0.3 0.9

Average wage within the following categories2:

Lowest 25 percent ............................................... – 2.4 – 2.2

Second 25 percent ............................................... – 1.8 0.5 –

Third 25 percent ................................................... 0.6 1.5 – –

Highest 25 percent ............................................... 1.5 1.9 0.3 1.6

Highest 10 percent ........................................... – 3.8 – 2.5

Establishment characteristic

Goods-producing industries ..................................... 0.3 1.9 0.8 1.9

Manufacturing ...................................................... 0.5 2.4 0.9 2.2

Service-providing industries ..................................... 1.0 1.3 0.3 0.8

Trade, transportation, and utilities ....................... 1.0 1.7 – –

Wholesale trade ............................................... – – – –

Retail trade ...................................................... – 2.1 – 1.9

Information ........................................................... – 5.3 – 5.2

Financial activities ................................................ 0.2 2.0 – –

Finance and insurance .................................... 0.3 2.0 – –

See footnotes at end of table.
Table 41. Standard errors for inpatient substance abuse detoxification benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2013—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 0.5 1.1 0.2 1.0 3.3 4.2 – –

Management, professional, and related .................. 0.6 1.9 0.3 1.8 – 7.4 – 3.3

Management, business, and financial ................. – 1.8 – 1.8 3.9 6.2 – –

Professional and related ...................................... – – – – – 10.7 – 4.2

Service ..................................................................... – – – – – 9.7 – 2.6

Sales and office ....................................................... – 1.4 0.5 – 1.1 2.8 – –

Sales and related ................................................. – 2.4 – 2.4 – 5.3 – 4.9

Office and administrative support ........................ – 2.0 0.5 – 1.3 3.7 – –

Natural resources, construction, and maintenance – 2.7 – 2.4 – 5.6 – 5.7

Installation, maintenance, and repair ................... – 3.5 – 3.0 – 5.8 – 4.3

Production, transportation, and material moving ..... – 2.1 0.7 – – 6.5 – 3.7

Production ............................................................ – 2.7 0.6 – 0.4 6.9 – –

Transportation and material moving .................... – – – – – 8.3 – 4.2

Full time ................................................................... 0.5 1.2 0.3 1.1 3.1 4.1 – –

Part time .................................................................. – 3.9 – 3.5 – 10.6 – 2.7

Union ....................................................................... 1.6 2.7 – – 11.1 9.1 – –

Nonunion ................................................................. 0.5 1.2 0.3 1.0 1.1 2.9 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... – 2.6 – 2.3 – 5.1 – 3.9

Second 25 percent ............................................... – 1.9 0.7 – – 6.0 – 3.1

Third 25 percent ................................................... 0.5 1.8 0.6 1.6 2.0 3.7 – –

Highest 25 percent ............................................... 0.6 1.7 0.3 1.7 – 6.0 – 3.2

Highest 10 percent ........................................... 1.0 2.7 – – – 10.1 – 6.3

Establishment characteristic

Goods-producing industries ..................................... 0.3 2.1 0.7 2.2 0.2 6.1 – –

Manufacturing ...................................................... – 2.4 0.8 – 0.3 8.1 – –

Service-providing industries ..................................... 0.6 1.2 0.3 1.1 3.9 4.7 – –

Trade, transportation, and utilities ....................... – 1.8 – 1.7 – 4.6 – 2.8

Wholesale trade ............................................... – – – – – 3.5 – 2.6

Retail trade ...................................................... – 2.5 – 2.3 – – – –

Information ........................................................... – 6.1 – 6.1 – 10.5 – 9.4

Financial activities ................................................ – 2.6 – 2.3 1.4 4.9 – 4.7

Finance and insurance .................................... – 2.7 – 2.7 1.8 6.5 – 6.5

See footnotes at end of table.
Table 41. Standard errors for inpatient substance abuse detoxification

benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2013—continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 2.5 – 2.5

Insurance carriers and related activities ...... – 4.2 – 4.0

Professional and business services ..................... – 3.1 – 2.5

Education and health services ............................. 3.4 4.1 0.2 2.7

Educational services:

 Junior colleges, colleges, and universities ... 1.8 5.2 – –

Health care and social assistance ................... – 4.6 – 3.0

1 to 99 workers ........................................................ – – – –

50 to 99 workers .................................................. – 4.0 – 2.4

100 workers or more ................................................ 0.8 1.4 0.5 1.1

100 to 499 workers .............................................. 0.7 2.2 0.6 1.9

500 workers or more ............................................ 1.6 2.4 0.7 1.7

Geographic area

New England ........................................................... 2.2 4.2 – –

Middle Atlantic ......................................................... – 3.9 – 1.7

South Atlantic ........................................................... – 2.3 0.8 –

East South Central ................................................... – 2.9 – 3.4

West South Central .................................................. – 2.0 0.8 –

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

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

Mountain .................................................................. – 2.5 0.2 –

Pacific ...................................................................... 1.2 2.3 – –

See footnotes at end of table.
Table 41. Standard errors for inpatient substance abuse detoxification benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2013—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 3.0 – 3.0 – 6.0 – 5.6

Insurance carriers and related activities ...... – 4.8 – 4.8 – 4.6 – 3.5

Professional and business services ..................... – 3.4 – 3.1 – 6.5 – 7.0

Education and health services ............................. – – – – – 13.3 – 3.1

Educational services:

 Junior colleges, colleges, and universities ... 1.5 6.3 – – 5.3 6.2 – 4.4

Health care and social assistance ................... 2.3 4.2 – – – 16.1 – 3.5

1 to 99 workers ........................................................ – – – – – 5.4 – 3.3

50 to 99 workers .................................................. – 3.3 – 3.0 – 11.2 – 4.2

100 workers or more ................................................ 0.8 1.4 0.3 1.3 2.7 4.5 – –

100 to 499 workers .............................................. 0.4 2.3 0.5 2.1 – 6.4 – 2.5

500 workers or more ............................................ 1.8 2.7 0.5 1.9 3.9 5.9 – –

Geographic area

New England ........................................................... 1.6 4.7 – – – 9.7 – 5.0

Middle Atlantic ......................................................... 1.6 3.2 – – – – – –

South Atlantic ........................................................... – 2.6 0.4 – – – – –

East South Central ................................................... – 3.2 – 3.7 – 2.3 – 0.3

West South Central .................................................. – 1.8 0.8 – – – – –

East North Central ................................................... – – – – 2.9 8.9 – –

West North Central .................................................. – – – – – 3.0 – 1.9

Mountain .................................................................. – 1.8 – 1.6 – 5.8 – 3.1

Pacific ...................................................................... – 3.5 – 3.0 3.6 4.3 – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 42. Inpatient substance abuse rehabilitation benefits: Extent of

coverage by type of plan, private industry workers, National Compensation

Survey, 2013

(All workers participating in medical care plans = 100 percent)

Characteristics

Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 11 67 – –

Service ..................................................................... – 71 – 5

Natural resources, construction, and maintenance:

Installation, maintenance, and repair ..................... – 78 – 18

Production, transportation, and material moving ..... – 68 8 –

Production ............................................................ 2 76 – –

Transportation and material moving .................... – 61 – 10

Part time .................................................................. – 76 – 6

Union ....................................................................... – 53 – 9

Average wage within the following categories2:

Lowest 25 percent ............................................... – 72 – 10

Second 25 percent ............................................... – 73 – 16

Establishment characteristic

Service-providing industries ..................................... 12 65 – –

Trade, transportation, and utilities ....................... – 61 7 –

Financial activities ................................................ 4 84 – –

Finance and insurance .................................... 6 77 – –

Credit intermediation and related activities .. – 86 – 13

Insurance carriers and related activities ...... – 82 – 8

Education and health services ............................. – 59 – 13

Educational services:

 Junior colleges, colleges, and universities ... 24 57 – –

Health care and social assistance ................... – 61 – 11

Other services ...................................................... – – – 31

1 to 99 workers:

50 to 99 workers ................................................ – 68 – 13

100 workers or more ................................................ 13 69 – –

100 to 499 workers .............................................. – 66 – 19

500 workers or more ............................................ 15 72 – –

Geographic area

New England ........................................................... – 76 – 18

East North Central ................................................... – 75 – 17

West North Central .................................................. – 91 – 6

Mountain .................................................................. – 80 – 15

Pacific ...................................................................... 14 61 – –

1 Limits may be set in terms of dollar or day ceiling on

benefits, a requirement that the participant pay a

percentage of costs (coinsurance), or a requirement that

the participant pay a specific amount (deductible or

copayment) before reimbursement begins or services are

rendered. 2 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the

National Compensation Survey publication, "Employer

Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may

not equal totals. Dashes indicate that no data were

reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 42. Standard errors for inpatient substance abuse rehabilitation

benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2013

Characteristics

Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 3.0 4.0 – –

Service ..................................................................... – 8.1 – 1.9

Natural resources, construction, and maintenance:

Installation, maintenance, and repair ..................... – 5.6 – 5.2

Production, transportation, and material moving ..... – 7.9 1.7 –

Production ............................................................ 0.3 7.2 – –

Transportation and material moving .................... – 11.3 – 4.5

Part time .................................................................. – 10.5 – 2.7

Union ....................................................................... – 9.6 – 5.1

Average wage within the following categories2:

Lowest 25 percent ............................................... – 8.4 – 4.1

Second 25 percent ............................................... – 5.4 – 4.1

Establishment characteristic

Service-providing industries ..................................... 3.5 4.5 – –

Trade, transportation, and utilities ....................... – 6.2 1.6 –

Financial activities ................................................ 1.1 4.8 – –

Finance and insurance .................................... 1.4 6.1 – –

Credit intermediation and related activities .. – 5.8 – 5.7

Insurance carriers and related activities ...... – 4.5 – 4.4

Education and health services ............................. – 12.0 – 3.4

Educational services:

 Junior colleges, colleges, and universities ... 4.3 6.1 – –

Health care and social assistance ................... – 14.4 – 3.7

Other services ...................................................... – – – 10.8

1 to 99 workers:

50 to 99 workers ................................................ – 11.5 – 4.4

100 workers or more ................................................ 2.0 4.0 – –

100 to 499 workers .............................................. – 6.3 – 5.8

500 workers or more ............................................ 2.3 4.5 – –

Geographic area

New England ........................................................... – 7.7 – 6.9

East North Central ................................................... – 7.0 – 5.8

West North Central .................................................. – 4.3 – 5.4

Mountain .................................................................. – 3.1 – 5.3

Pacific ...................................................................... 3.7 4.3 – –

1 Limits may be set in terms of dollar or day ceiling on

benefits, a requirement that the participant pay a

percentage of costs (coinsurance), or a requirement that

the participant pay a specific amount (deductible or

copayment) before reimbursement begins or services are

rendered. 2 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the

National Compensation Survey publication, "Employer

Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that

data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 43. Outpatient substance abuse rehabilitation benefits: Extent of

coverage by type of plan, private industry workers, National Compensation

Survey, 2013

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 1 75 2 21

Management, professional, and related .................. 2 75 1 22

Management, business, and financial ................. 2 79 – –

Professional and related ...................................... 2 73 – –

Service ..................................................................... – 74 – 19

Protective service ................................................ – 73 – 5

Sales and office ....................................................... 1 75 3 22

Sales and related ................................................. – 80 – 18

Office and administrative support ........................ 1 72 – –

Natural resources, construction, and maintenance – 77 – 20

Construction, extraction, farming, fishing, and

forestry ............................................................... – 73 – 22

Installation, maintenance, and repair ................... – 80 – 19

Production, transportation, and material moving ..... – 76 – 19

Production ............................................................ – 80 – 17

Transportation and material moving .................... – 73 – 22

Full time ................................................................... 1 75 2 22

Part time .................................................................. – 84 – 12

Union ....................................................................... 4 81 – –

Nonunion ................................................................. 1 74 2 23

Average wage within the following categories2:

Lowest 25 percent ............................................... – 74 – 20

Lowest 10 percent ........................................... – 73 – 22

Second 25 percent ............................................... 1 75 – –

Third 25 percent ................................................... 1 73 3 23

Highest 25 percent ............................................... 2 77 1 20

Highest 10 percent ........................................... 1 79 – –

Establishment characteristic

Goods-producing industries ..................................... – 77 – 20

Construction ......................................................... – 66 – 29

Manufacturing ...................................................... – 79 – 18

Service-providing industries ..................................... 2 75 2 21

Trade, transportation, and utilities ....................... – 76 – 20

Wholesale trade ............................................... – 66 – 30

Retail trade ...................................................... – 81 – 18

Transportation and warehousing ..................... – 82 – 12

Utilities ............................................................. – 72 – 23

Information ........................................................... – 80 – 18

Financial activities ................................................ – 80 – 19

Finance and insurance .................................... – 80 – 19

See footnotes at end of table.
Table 43. Outpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 1 76 2 21 4 74 – –

Management, professional, and related .................. 1 76 1 22 – 71 – 24

Management, business, and financial ................. – 81 – 16 2 71 – –

Professional and related ...................................... – 73 – 25 – 71 – 23

Service ..................................................................... – 74 – 23 – 75 – 5

Protective service ................................................ – 75 – 5 – – – 6

Sales and office ....................................................... – 75 4 – – 75 – 23

Sales and related ................................................. – 80 – 18 – 77 – 22

Office and administrative support ........................ – 72 – 23 – 74 – 24

Natural resources, construction, and maintenance – 78 – 20 – 75 – 25

Construction, extraction, farming, fishing, and

forestry ............................................................... – 75 – 21 – 65 – 34

Installation, maintenance, and repair ................... – 80 – 18 – 80 – 20

Production, transportation, and material moving ..... – 76 – 20 – 77 – 16

Production ............................................................ – 80 – 16 – 74 – 23

Transportation and material moving .................... – 71 – 25 – 79 – 10

Full time ................................................................... 1 75 2 22 4 73 – –

Part time .................................................................. – 84 – 13 – 85 – 6

Union ....................................................................... – 81 – 14 – 80 – 9

Nonunion ................................................................. 1 75 2 22 3 72 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... – 75 – 22 – 72 – 10

Lowest 10 percent ........................................... – 72 – 25 – 84 – 3

Second 25 percent ............................................... – 74 – 22 – 77 – 18

Third 25 percent ................................................... – 74 3 – 3 70 – –

Highest 25 percent ............................................... 1 78 1 19 3 74 – –

Highest 10 percent ........................................... – 81 – 18 – 71 – 27

Establishment characteristic

Goods-producing industries ..................................... – 78 – 19 – 70 – 29

Construction ......................................................... – 65 – 29 – 70 – 29

Manufacturing ...................................................... – 81 – 17 – 70 – 29

Service-providing industries ..................................... 1 75 2 22 4 74 – –

Trade, transportation, and utilities ....................... – 77 – 20 – 76 – 19

Wholesale trade ............................................... – 63 – 32 – 77 – 20

Retail trade ...................................................... – 81 – 17 – 77 – 23

Transportation and warehousing ..................... – 84 – 12 – 71 – 11

Utilities ............................................................. – 72 – 22 – 70 – 27

Information ........................................................... – 83 – 17 – 72 – 24

Financial activities ................................................ – 80 – 20 – 83 – 13

Finance and insurance .................................... – 80 – 19 – 75 – 19

See footnotes at end of table.
Table 43. Outpatient substance abuse rehabilitation benefits: Extent of

coverage by type of plan, private industry workers, National Compensation

Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 79 – 20

Insurance carriers and related activities ...... – 81 – 18

Real estate and rental and leasing .................. – 82 – 17

Professional and business services ..................... – 69 – 26

Professional and technical services ................. – 68 – 32

Administrative and waste services ................... – 68 – 23

Education and health services ............................. 2 75 – –

Educational services ........................................ 3 66 – –

Junior colleges, colleges, and universities ... 4 67 – –

Health care and social assistance ................... 2 77 – –

Leisure and hospitality ......................................... – 73 – 25

Accommodation and food services .................. – 80 – 20

Other services ...................................................... – 69 – 27

1 to 99 workers ........................................................ – 70 3 –

1 to 49 workers .................................................... – 66 – 30

50 to 99 workers .................................................. – 77 – 18

100 workers or more ................................................ 2 80 1 17

100 to 499 workers .............................................. 1 78 – –

500 workers or more ............................................ 3 82 – –

Geographic area

New England ........................................................... – 74 – 18

Middle Atlantic ......................................................... 3 76 – –

South Atlantic ........................................................... – 77 – 21

East South Central ................................................... – 81 – 16

West South Central .................................................. – 81 – 17

East North Central ................................................... 2 69 – –

West North Central .................................................. – 73 – 24

Mountain .................................................................. – 71 – 26

Pacific ...................................................................... – 77 – 17

See footnotes at end of table.
Table 43. Outpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 78 – 22 – 85 – 13

Insurance carriers and related activities ...... – 81 – 19 – 81 – 10

Real estate and rental and leasing .................. – 75 – 23 – 100 – –

Professional and business services ..................... – 70 – 25 – 65 – 34

Professional and technical services ................. – 72 – 28 – 53 – 47

Administrative and waste services ................... – 63 – 25 – 84 – 16

Education and health services ............................. 2 74 – – 4 78 – –

Educational services ........................................ – 66 – 28 – 68 – 26

Junior colleges, colleges, and universities ... – 67 – 24 – 70 – 19

Health care and social assistance ................... – 76 – 21 – 80 – 11

Leisure and hospitality ......................................... – 69 – 31 – 88 – –

Accommodation and food services .................. – 76 – 24 – 100 – –

Other services ...................................................... – 75 – 25 – 54 – 31

1 to 99 workers ........................................................ – 69 3 – – 71 – 25

1 to 49 workers .................................................... – 67 2 – – 65 – 30

50 to 99 workers .................................................. – 75 – 18 – 83 – 15

100 workers or more ................................................ 1 80 2 17 7 77 – –

100 to 499 workers .............................................. – 79 – 19 – 74 – 21

500 workers or more ............................................ – 82 – 15 9 79 – –

Geographic area

New England ........................................................... – 72 – 19 – 82 – 18

Middle Atlantic ......................................................... 2 78 – – 4 72 – 24

South Atlantic ........................................................... – 78 – 20 – 68 – 29

East South Central ................................................... – 81 – 16 – – – 24

West South Central .................................................. – 81 – 16 – 75 – 23

East North Central ................................................... – 68 – 30 – 74 – 18

West North Central .................................................. – 72 – 25 – 93 – 6

Mountain .................................................................. – 70 – 26 – 72 – 26

Pacific ...................................................................... – 79 – 18 – 74 – 17

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate

that no data were reported or that data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 43. Standard errors for outpatient substance abuse rehabilitation

benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2013

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 0.2 1.1 0.5 0.9

Management, professional, and related .................. 0.4 1.7 0.4 1.6

Management, business, and financial ................. 0.4 1.7 – –

Professional and related ...................................... 0.4 2.5 – –

Service ..................................................................... – 3.7 – 3.3

Protective service ................................................ – 13.7 – 3.0

Sales and office ....................................................... 0.1 1.4 0.8 1.3

Sales and related ................................................. – 2.5 – 2.4

Office and administrative support ........................ 0.2 1.9 – –

Natural resources, construction, and maintenance – 2.2 – 2.4

Construction, extraction, farming, fishing, and

forestry ............................................................... – 3.6 – 3.9

Installation, maintenance, and repair ................... – 2.5 – 2.5

Production, transportation, and material moving ..... – 2.5 – 2.0

Production ............................................................ – 3.7 – 3.1

Transportation and material moving .................... – 3.3 – 2.8

Full time ................................................................... 0.2 1.2 0.5 1.0

Part time .................................................................. – 3.0 – 3.0

Union ....................................................................... 1.1 3.2 – –

Nonunion ................................................................. 0.2 1.1 0.5 1.0

Average wage within the following categories2:

Lowest 25 percent ............................................... – 2.1 – 1.9

Lowest 10 percent ........................................... – 6.9 – 6.4

Second 25 percent ............................................... 0.4 1.8 – –

Third 25 percent ................................................... 0.2 1.9 0.6 1.8

Highest 25 percent ............................................... 0.3 1.7 0.3 1.6

Highest 10 percent ........................................... 0.4 2.7 – –

Establishment characteristic

Goods-producing industries ..................................... – 2.5 – 2.4

Construction ......................................................... – 3.6 – 3.1

Manufacturing ...................................................... – 3.0 – 2.7

Service-providing industries ..................................... 0.2 1.2 0.5 1.0

Trade, transportation, and utilities ....................... – 1.7 – 1.4

Wholesale trade ............................................... – 3.4 – 3.1

Retail trade ...................................................... – 2.1 – 1.9

Transportation and warehousing ..................... – 4.6 – 3.7

Utilities ............................................................. – 8.3 – 8.4

Information ........................................................... – 5.4 – 5.4

Financial activities ................................................ – 1.7 – 1.7

Finance and insurance .................................... – 2.3 – 2.3

See footnotes at end of table.
Table 43. Standard errors for outpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2013—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 0.2 1.3 0.5 1.1 0.8 3.1 – –

Management, professional, and related .................. 0.3 2.1 0.4 1.9 – 3.7 – 3.6

Management, business, and financial ................. – 2.2 – 1.8 0.6 5.1 – –

Professional and related ...................................... – 2.9 – 2.8 – 4.6 – 4.3

Service ..................................................................... – 4.3 – 4.1 – 7.4 – 1.9

Protective service ................................................ – 15.8 – 3.2 – – – 4.7

Sales and office ....................................................... – 1.6 1.0 – – 3.8 – 3.8

Sales and related ................................................. – 2.6 – 2.7 – 5.7 – 5.6

Office and administrative support ........................ – 2.0 – 1.8 – 5.1 – 5.0

Natural resources, construction, and maintenance – 2.6 – 2.9 – 7.4 – 7.4

Construction, extraction, farming, fishing, and

forestry ............................................................... – 4.2 – 4.3 – 12.4 – 12.4

Installation, maintenance, and repair ................... – 3.0 – 3.1 – 6.2 – 6.2

Production, transportation, and material moving ..... – 2.7 – 2.3 – 5.1 – 4.4

Production ............................................................ – 3.7 – 3.0 – 7.1 – 7.4

Transportation and material moving .................... – 3.8 – 3.7 – 7.3 – 4.6

Full time ................................................................... 0.2 1.4 0.5 1.2 0.6 3.1 – –

Part time .................................................................. – 3.8 – 3.4 – 6.8 – 2.7

Union ....................................................................... – 2.9 – 2.7 – 7.8 – 5.1

Nonunion ................................................................. 0.2 1.3 0.5 1.2 0.6 3.2 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... – 2.2 – 2.1 – 8.8 – 4.1

Lowest 10 percent ........................................... – 8.0 – 7.6 – 10.5 – 2.3

Second 25 percent ............................................... – 2.0 – 1.8 – 5.1 – 4.3

Third 25 percent ................................................... – 2.3 0.7 – 0.7 4.2 – –

Highest 25 percent ............................................... 0.3 2.0 0.3 1.9 0.9 4.5 – –

Highest 10 percent ........................................... – 2.8 – 2.7 – 7.5 – 7.2

Establishment characteristic

Goods-producing industries ..................................... – 2.8 – 2.7 – 7.0 – 6.6

Construction ......................................................... – 4.5 – 3.8 – 7.7 – 7.8

Manufacturing ...................................................... – 3.2 – 2.9 – 8.2 – 7.8

Service-providing industries ..................................... 0.2 1.4 0.5 1.2 0.9 3.4 – –

Trade, transportation, and utilities ....................... – 1.7 – 1.8 – 5.2 – 4.9

Wholesale trade ............................................... – 3.9 – 3.8 – 6.1 – 6.1

Retail trade ...................................................... – 2.6 – 2.4 – 7.7 – 7.7

Transportation and warehousing ..................... – 4.6 – 4.3 – 12.0 – 6.4

Utilities ............................................................. – 9.7 – 9.8 – 15.7 – 13.9

Information ........................................................... – 6.2 – 6.2 – 10.9 – 9.9

Financial activities ................................................ – 2.3 – 2.3 – 4.7 – 4.7

Finance and insurance .................................... – 2.8 – 2.8 – 6.0 – 6.3

See footnotes at end of table.
Table 43. Standard errors for outpatient substance abuse rehabilitation

benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2013—continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 2.9 – 3.0

Insurance carriers and related activities ...... – 4.0 – 3.9

Real estate and rental and leasing .................. – 4.9 – 4.8

Professional and business services ..................... – 3.3 – 2.9

Professional and technical services ................. – 4.4 – 4.4

Administrative and waste services ................... – 6.0 – 6.4

Education and health services ............................. 0.3 3.0 – –

Educational services ........................................ 0.7 3.9 – –

Junior colleges, colleges, and universities ... 1.2 5.3 – –

Health care and social assistance ................... 0.4 3.2 – –

Leisure and hospitality ......................................... – 7.8 – 7.1

Accommodation and food services .................. – 7.3 – 7.3

Other services ...................................................... – 8.0 – 8.1

1 to 99 workers ........................................................ – 1.9 0.9 –

1 to 49 workers .................................................... – 2.3 – 2.2

50 to 99 workers .................................................. – 3.6 – 2.7

100 workers or more ................................................ 0.3 1.3 0.4 1.2

100 to 499 workers .............................................. 0.4 1.9 – –

500 workers or more ............................................ 0.6 2.3 – –

Geographic area

New England ........................................................... – 6.0 – 3.8

Middle Atlantic ......................................................... 0.5 3.8 – –

South Atlantic ........................................................... – 2.8 – 2.2

East South Central ................................................... – 1.7 – 3.4

West South Central .................................................. – 2.1 – 2.6

East North Central ................................................... 0.5 2.1 – –

West North Central .................................................. – 3.7 – 4.0

Mountain .................................................................. – 4.7 – 3.4

Pacific ...................................................................... – 3.1 – 2.7

See footnotes at end of table.
Table 43. Standard errors for outpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2013—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 3.3 – 3.3 – 5.8 – 5.7

Insurance carriers and related activities ...... – 4.7 – 4.7 – 5.3 – 5.4

Real estate and rental and leasing .................. – 6.0 – 6.0 – 3 () – –

Professional and business services ..................... – 4.3 – 3.5 – 10.2 – 10.1

Professional and technical services ................. – 5.2 – 5.2 – 9.8 – 9.8

Administrative and waste services ................... – 8.1 – 7.5 – 14.9 – 14.9

Education and health services ............................. 0.5 3.7 – – 1.1 5.3 – –

Educational services ........................................ – 4.9 – 3.4 – 6.0 – 5.7

Junior colleges, colleges, and universities ... – 6.3 – 3.5 – 5.9 – 5.9

Health care and social assistance ................... – 3.9 – 3.6 – 6.3 – 3.7

Leisure and hospitality ......................................... – 9.4 – 9.4 – 5.8 – –

Accommodation and food services .................. – 9.4 – 9.4 – 3 () – –

Other services ...................................................... – 10.1 – 10.1 – 14.7 – 10.8

1 to 99 workers ........................................................ – 2.2 0.9 – – 4.1 – 3.6

1 to 49 workers .................................................... – 2.6 0.7 – – 5.4 – 4.7

50 to 99 workers .................................................. – 4.3 – 3.3 – 5.1 – 4.8

100 workers or more ................................................ 0.2 1.4 0.5 1.4 1.7 4.5 – –

100 to 499 workers .............................................. – 2.1 – 2.1 – 6.3 – 6.0

500 workers or more ............................................ – 2.6 – 2.2 2.7 4.5 – –

Geographic area

New England ........................................................... – 6.8 – 4.6 – 7.1 – 6.9

Middle Atlantic ......................................................... 0.5 3.4 – – 1.3 7.9 – 7.5

South Atlantic ........................................................... – 3.1 – 2.5 – 9.1 – 8.4

East South Central ................................................... – 2.7 – 4.2 – – – 25.2

West South Central .................................................. – 1.7 – 2.1 – 13.6 – 13.8

East North Central ................................................... – 3.0 – 2.6 – 6.8 – 5.7

West North Central .................................................. – 3.9 – 4.4 – 5.7 – 5.4

Mountain .................................................................. – 7.9 – 6.0 – 10.6 – 9.6

Pacific ...................................................................... – 4.1 – 4.1 – 6.4 – 4.0

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013." 3 Less than 0.05.

Note: Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 44. Medical care benefits: High deductible and non-high

deductible health plans,1

 private industry workers, National

Compensation Survey, 2013

(All workers participating in medical care plans = 100 percent)

Characteristics High deductible

health plans2

Non-high

deductible health

plans

Worker characteristic

All workers ............................................................... 30 69

Management, professional, and related .................. 28 72

Management, business, and financial ................. 30 70

Professional and related ...................................... 27 73

Service ..................................................................... 26 73

Sales and office ....................................................... 36 63

Sales and related ................................................. 38 62

Office and administrative support ........................ 35 64

Natural resources, construction, and maintenance 23 77

Installation, maintenance, and repair ................... 21 79

Production, transportation, and material moving ..... 31 69

Production ............................................................ 32 68

Transportation and material moving .................... 29 71

Full time ................................................................... 30 69

Part time .................................................................. 29 71

Union ....................................................................... 10 89

Nonunion ................................................................. 33 66

Average wage within the following categories3:

Lowest 25 percent ............................................... 39 61

Second 25 percent ............................................... 35 65

Third 25 percent ................................................... 30 69

Highest 25 percent ............................................... 24 76

Highest 10 percent ........................................... 24 76

Establishment characteristic

Goods-producing industries ..................................... 28 71

Construction ......................................................... 31 69

Manufacturing ...................................................... 29 70

Service-providing industries ..................................... 31 69

Trade, transportation, and utilities ....................... 34 65

Wholesale trade ............................................... 27 71

Retail trade ...................................................... 39 61

Information ........................................................... 19 81

Financial activities ................................................ 34 66

Finance and insurance .................................... 35 65

See footnotes at end of table.
Table 44. Medical care benefits: High deductible and non-high

deductible health plans,1

 private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics High deductible

health plans2

Non-high

deductible health

plans

Credit intermediation and related activities .. 37 63

Insurance carriers and related activities ...... 35 65

Professional and business services ..................... 38 62

Education and health services ............................. 27 73

Educational services ........................................ 13 84

Junior colleges, colleges, and universities ... 16 84

Health care and social assistance ................... 29 71

1 to 99 workers ........................................................ 32 67

1 to 49 workers .................................................... 33 66

50 to 99 workers .................................................. 30 70

100 workers or more ................................................ 29 71

100 to 499 workers .............................................. 38 62

500 workers or more ............................................ 18 82

Geographic area

New England ........................................................... 37 63

Middle Atlantic ......................................................... 17 83

South Atlantic ........................................................... 34 66

East South Central ................................................... 32 66

West South Central .................................................. 43 56

East North Central ................................................... 35 65

West North Central .................................................. 40 59

Mountain .................................................................. 28 71

Pacific ...................................................................... 18 82

1 The sum of the columns may not equal 100

since only plans with fixed, variable, or no

deductibles are included. Plans with other

deductible formulas are not included. 2 A high deductible health plan (HDHP) is a

health plan which typically has a higher deductible

and lower premium than a traditional health plan. 

An individual plan must have a minimum

deductible of $1,250 to be classified as a HDHP. 

Normally the plan includes catastrophic coverage

to protect against large medical expenses, but the

insured is responsible for routine out-of-pocket

expenses. 3 Surveyed occupations are classified into

wage categories based on the average wage for

the occupation, which may include workers with

earnings both above and below the threshold.

The categories were formed using percentile

estimates generated using data from the National

Compensation Survey publication, "Employer

Costs for Employee Compensation - March

2013."

Note: Dashes indicate that no data were reported

or that data do not meet publication criteria. For

definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee

Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 44. Standard errors for medical care benefits: High

deductible and non-high deductible health plans, private industry

workers, National Compensation Survey, 2013

Characteristics High deductible

health plans1

Non-high

deductible health

plans

Worker characteristic

All workers ............................................................... 1.4 1.4

Management, professional, and related .................. 2.3 2.3

Management, business, and financial ................. 2.5 2.5

Professional and related ...................................... 3.1 3.2

Service ..................................................................... 3.0 3.0

Sales and office ....................................................... 2.0 2.1

Sales and related ................................................. 3.2 3.2

Office and administrative support ........................ 2.7 2.7

Natural resources, construction, and maintenance 2.6 2.6

Installation, maintenance, and repair ................... 2.7 2.7

Production, transportation, and material moving ..... 1.9 1.9

Production ............................................................ 2.6 2.6

Transportation and material moving .................... 2.9 2.9

Full time ................................................................... 1.5 1.5

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

Union ....................................................................... 1.9 2.1

Nonunion ................................................................. 1.5 1.5

Average wage within the following categories2:

Lowest 25 percent ............................................... 2.7 2.7

Second 25 percent ............................................... 3.2 3.2

Third 25 percent ................................................... 1.6 1.7

Highest 25 percent ............................................... 1.9 1.9

Highest 10 percent ........................................... 2.9 2.9

Establishment characteristic

Goods-producing industries ..................................... 2.3 2.3

Construction ......................................................... 3.8 3.8

Manufacturing ...................................................... 2.6 2.7

Service-providing industries ..................................... 1.6 1.6

Trade, transportation, and utilities ....................... 2.4 2.4

Wholesale trade ............................................... 3.2 3.7

Retail trade ...................................................... 3.4 3.4

Information ........................................................... 5.3 5.3

Financial activities ................................................ 2.2 2.2

Finance and insurance .................................... 2.3 2.3

See footnotes at end of table.
Table 44. Standard errors for medical care benefits: High

deductible and non-high deductible health plans, private industry

workers, National Compensation Survey, 2013—continued

Characteristics High deductible

health plans1

Non-high

deductible health

plans

Credit intermediation and related activities .. 3.7 3.7

Insurance carriers and related activities ...... 3.1 3.1

Professional and business services ..................... 3.6 3.6

Education and health services ............................. 5.0 5.0

Educational services ........................................ 3.0 3.8

Junior colleges, colleges, and universities ... 4.7 4.7

Health care and social assistance ................... 5.9 5.9

1 to 99 workers ........................................................ 2.1 2.1

1 to 49 workers .................................................... 1.9 1.9

50 to 99 workers .................................................. 3.9 3.9

100 workers or more ................................................ 1.7 1.7

100 to 499 workers .............................................. 2.5 2.5

500 workers or more ............................................ 1.6 1.6

Geographic area

New England ........................................................... 6.8 6.8

Middle Atlantic ......................................................... 2.0 2.1

South Atlantic ........................................................... 3.8 3.8

East South Central ................................................... 6.9 7.5

West South Central .................................................. 4.1 4.1

East North Central ................................................... 3.3 3.3

West North Central .................................................. 2.6 3.0

Mountain .................................................................. 4.1 4.0

Pacific ...................................................................... 2.0 2.0

1 A high deductible health plan (HDHP) is a

health plan which typically has a higher deductible

and lower premium than a traditional health plan. 

An individual plan must have a minimum

deductible of $1,250 to be classified as a HDHP. 

Normally the plan includes catastrophic coverage

to protect against large medical expenses, but the

insured is responsible for routine out-of-pocket

expenses. 2 Surveyed occupations are classified into

wage categories based on the average wage for

the occupation, which may include workers with

earnings both above and below the threshold.

The categories were formed using percentile

estimates generated using data from the National

Compensation Survey publication, "Employer

Costs for Employee Compensation - March

2013."

Note: Dashes indicate that no data were reported

or that data do not meet publication criteria. For

definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee

Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 45. High deductible health plans:1

 Amount of annual individual deductible, private

industry workers, National Compensation Survey, 2013

(Includes workers participating in high deductible health plans)

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... $1,500 $1,500 $2,000 $2,700 $4,500

Management, professional, and related .................. 1,300 1,500 2,000 2,500 –

Management, business, and financial ................. 1,500 1,500 2,000 2,600 3,500

Professional and related ...................................... 1,250 1,500 1,750 2,500 –

Service ..................................................................... 1,500 1,500 2,000 2,500 –

Sales and office ....................................................... 1,500 1,500 2,000 2,750 3,250

Sales and related ................................................. 1,500 1,500 2,000 2,750 3,000

Office and administrative support ........................ 1,500 1,500 2,000 2,700 –

Natural resources, construction, and maintenance 1,500 1,500 2,000 2,750 5,000

Installation, maintenance, and repair ................... 1,500 1,500 2,000 3,000 5,000

Production, transportation, and material moving ..... 1,500 1,500 2,500 3,000 5,000

Production ............................................................ 1,500 1,500 2,000 2,750 5,000

Transportation and material moving .................... 1,500 1,750 2,700 – 5,000

Full time ................................................................... 1,500 1,500 2,000 2,700 –

Part time .................................................................. 1,500 1,750 2,000 2,750 3,000

Union ....................................................................... 1,500 1,500 – 2,750 –

Nonunion ................................................................. 1,500 1,500 2,000 2,700 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 1,500 1,700 2,500 2,750 5,000

Second 25 percent ............................................... 1,400 1,500 2,000 2,750 5,000

Third 25 percent ................................................... 1,500 1,500 2,000 2,700 –

Highest 25 percent ............................................... 1,500 1,500 1,750 2,500 3,500

Highest 10 percent ........................................... 1,400 1,500 1,500 2,000 3,000

Establishment characteristic

Goods-producing industries ..................................... 1,500 1,500 2,000 2,750 5,000

Construction ......................................................... 1,500 2,000 2,000 3,000 5,000

Manufacturing ...................................................... 1,500 1,500 2,000 2,750 5,000

Service-providing industries ..................................... 1,500 1,500 2,000 2,700 –

Trade, transportation, and utilities ....................... 1,500 1,750 2,500 3,000 5,000

Wholesale trade ............................................... 1,500 1,500 – 3,200 5,000

Retail trade ...................................................... 1,500 1,750 2,700 3,000 –

Financial activities ................................................ 1,500 1,500 2,000 2,500 3,000

Finance and insurance .................................... 1,500 1,500 2,000 2,500 3,000

See footnotes at end of table.
Table 45. High deductible health plans:1

 Amount of annual individual deductible, private

industry workers, National Compensation Survey, 2013—continued

(Includes workers participating in high deductible health plans)

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. $1,500 $1,500 $2,000 $2,500 $3,000

Insurance carriers and related activities ...... 1,350 1,500 2,000 2,500 3,000

Professional and business services ..................... 1,500 1,500 1,500 2,000 2,700

Education and health services ............................. 1,250 1,500 2,000 3,000 5,000

Educational services ........................................ 1,250 1,500 – 2,600 3,500

Junior colleges, colleges, and universities ... 1,350 1,500 1,500 2,500 3,500

Health care and social assistance ................... 1,250 – 2,000 3,000 5,000

1 to 99 workers ........................................................ 1,500 1,500 2,000 2,600 5,000

1 to 49 workers .................................................... 1,500 1,500 2,000 2,750 5,000

50 to 99 workers .................................................. 1,500 1,500 2,000 2,500 5,000

100 workers or more ................................................ 1,500 1,500 2,000 2,750 –

100 to 499 workers .............................................. 1,500 1,500 2,000 2,750 –

500 workers or more ............................................ 1,300 1,500 1,900 2,500 3,000

Geographic area

New England ........................................................... 1,500 1,500 – 3,000 3,000

Middle Atlantic ......................................................... 1,300 1,500 2,000 2,600 3,000

South Atlantic ........................................................... 1,250 1,500 2,000 2,750 5,000

East South Central ................................................... 1,500 2,000 – 2,700 –

West South Central .................................................. 1,400 1,500 2,000 2,500 –

East North Central ................................................... 1,500 1,500 2,000 2,700 5,000

West North Central .................................................. 1,500 1,500 2,000 2,750 –

Mountain .................................................................. 1,500 1,500 2,000 2,700 –

Pacific ...................................................................... 1,500 1,500 1,750 2,750 –

1 A high deductible health plan (HDHP) is a health plan which

typically has a higher deductible and lower premium than a

traditional health plan. An individual plan must have a minimum

deductible of $1,250 to be classified as a HDHP. Normally the plan

includes catastrophic coverage to protect against large medical

expenses, but the insured is responsible for routine out-of-pocket

expenses. 2 Surveyed occupations are classified into wage categories

based on the average wage for the occupation, which may include

workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using

data from the National Compensation Survey publication,

"Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do

not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 45. Standard errors for high deductible health plans:1

 Amount of annual individual

deductible, private industry workers, National Compensation Survey, 2013

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... $0 $0 $0 $72 $1,244

Management, professional, and related .................. 150 0 133 103 –

Management, business, and financial ................. 122 0 0 146 424

Professional and related ...................................... 116 0 340 351 –

Service ..................................................................... 73 0 137 0 –

Sales and office ....................................................... 0 0 0 59 455

Sales and related ................................................. 0 0 172 13 129

Office and administrative support ........................ 0 26 0 137 –

Natural resources, construction, and maintenance 0 0 0 324 0

Installation, maintenance, and repair ................... 0 0 158 0 821

Production, transportation, and material moving ..... 71 102 385 125 0

Production ............................................................ 80 0 296 204 182

Transportation and material moving .................... 122 385 204 – 645

Full time ................................................................... 18 0 0 113 –

Part time .................................................................. 0 285 582 9 547

Union ....................................................................... 290 46 – 128 –

Nonunion ................................................................. 0 0 0 69 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 0 121 622 246 782

Second 25 percent ............................................... 202 65 340 313 365

Third 25 percent ................................................... 0 0 0 165 –

Highest 25 percent ............................................... 82 0 355 0 686

Highest 10 percent ........................................... 124 0 232 205 298

Establishment characteristic

Goods-producing industries ..................................... 0 0 0 284 0

Construction ......................................................... 0 483 0 232 0

Manufacturing ...................................................... 69 0 58 208 0

Service-providing industries ..................................... 26 0 0 74 –

Trade, transportation, and utilities ....................... 0 0 130 214 258

Wholesale trade ............................................... 26 292 – 751 658

Retail trade ...................................................... 0 102 121 296 –

Financial activities ................................................ 39 32 0 149 0

Finance and insurance .................................... 113 80 0 130 0

See footnotes at end of table.
Table 45. Standard errors for high deductible health plans:1

 Amount of annual individual

deductible, private industry workers, National Compensation Survey, 2013—continued

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. $0 $167 $0 $76 $0

Insurance carriers and related activities ...... 82 243 210 13 0

Professional and business services ..................... 128 0 0 18 272

Education and health services ............................. 293 374 341 656 645

Educational services ........................................ 222 0 – 392 456

Junior colleges, colleges, and universities ... 189 0 144 423 774

Health care and social assistance ................... 305 – 341 740 365

1 to 99 workers ........................................................ 0 0 0 162 418

1 to 49 workers .................................................... 167 0 314 293 991

50 to 99 workers .................................................. 0 0 435 151 948

100 workers or more ................................................ 88 0 0 58 –

100 to 499 workers .............................................. 0 158 39 190 –

500 workers or more ............................................ 61 0 165 100 198

Geographic area

New England ........................................................... 104 131 – 518 316

Middle Atlantic ......................................................... 97 0 0 0 164

South Atlantic ........................................................... 314 0 0 292 418

East South Central ................................................... 0 454 – 357 –

West South Central .................................................. 111 0 115 139 –

East North Central ................................................... 0 0 180 247 948

West North Central .................................................. 0 18 66 58 –

Mountain .................................................................. 0 98 0 336 –

Pacific ...................................................................... 0 0 413 366 –

1 A high deductible health plan (HDHP) is a health plan which

typically has a higher deductible and lower premium than a

traditional health plan. An individual plan must have a minimum

deductible of $1,250 to be classified as a HDHP. Normally the plan

includes catastrophic coverage to protect against large medical

expenses, but the insured is responsible for routine out-of-pocket

expenses. 2 Surveyed occupations are classified into wage categories

based on the average wage for the occupation, which may include

workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using

data from the National Compensation Survey publication,

"Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do

not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 46. High deductible health plans:1

 Summary of tax-favored accounts, private industry

workers, National Compensation Survey, 2013

(All workers participating in medical care plans = 100 percent)

Characteristics Health savings

account2

Health

reimbursement

arrangement3

Flexible spending

account 4

Medical savings

account5

Worker characteristic

All workers ............................................................... 42 24 48 –

Management, professional, and related .................. 43 19 53 –

Management, business, and financial ................. 56 15 57 –

Professional and related ...................................... 35 22 50 –

Service ..................................................................... 48 23 69 –

Protective service ................................................ – 65 70 –

Sales and office ....................................................... 43 30 45 –

Sales and related ................................................. 41 38 39 –

Office and administrative support ........................ 44 26 48 –

Natural resources, construction, and maintenance 49 9 29 –

Installation, maintenance, and repair ................... 56 18 40 –

Production, transportation, and material moving ..... 33 26 43 –

Production ............................................................ 30 23 – –

Transportation and material moving .................... 37 30 53 –

Full time ................................................................... 43 23 49 –

Part time .................................................................. 26 45 38 –

Union ....................................................................... 57 – 63 –

Nonunion ................................................................. 41 24 48 –

Average wage within the following categories6:

Lowest 25 percent ............................................... 31 33 36 –

Second 25 percent ............................................... 38 31 46 –

Third 25 percent ................................................... 39 21 50 –

Highest 25 percent ............................................... 56 14 56 –

Highest 10 percent ........................................... 63 15 65 –

Establishment characteristic

Goods-producing industries ..................................... 39 18 38 –

Construction ......................................................... 43 – – –

Manufacturing ...................................................... 38 23 45 –

Service-providing industries ..................................... 43 26 51 –

Trade, transportation, and utilities ....................... 29 39 39 –

Wholesale trade ............................................... – 39 64 –

Retail trade ...................................................... 28 – 23 –

Transportation and warehousing ..................... 49 – 47 –

Utilities ............................................................. 78 – 65 –

Financial activities ................................................ 53 25 75 –

Finance and insurance .................................... 56 27 77 –

See footnotes at end of table.
Table 46. High deductible health plans:1

 Summary of tax-favored accounts, private industry

workers, National Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics Health savings

account2

Health

reimbursement

arrangement3

Flexible spending

account 4

Medical savings

account5

Credit intermediation and related activities .. 52 27 72 –

Insurance carriers and related activities ...... 64 23 83 –

Professional and business services ..................... 62 – 58 –

Professional and technical services ................. 65 – 46 –

Education and health services ............................. 30 21 – –

Educational services ........................................ 62 – 58 –

Junior colleges, colleges, and universities ... – – 61 –

Health care and social assistance ................... 27 22 – –

1 to 99 workers ........................................................ 39 17 39 –

1 to 49 workers .................................................... 41 13 33 –

50 to 99 workers .................................................. 34 28 55 –

100 workers or more ................................................ 45 30 56 –

100 to 499 workers .............................................. 41 30 50 –

500 workers or more ............................................ 54 30 72 –

Geographic area

New England ........................................................... 34 – – –

Middle Atlantic ......................................................... 48 15 – –

South Atlantic ........................................................... 46 30 45 –

East South Central ................................................... – – 37 –

West South Central .................................................. 39 22 58 –

East North Central ................................................... 44 26 43 –

West North Central .................................................. 42 – 56 –

Mountain .................................................................. 34 – 48 –

Pacific ...................................................................... 49 – 62 –

1 A high deductible health plan (HDHP) is a health plan which

typically has a higher deductible and lower premium than a traditional

health plan. An individual plan must have a minimum deductible of

$1,250 to be classified as a HDHP. Normally the plan includes

catastrophic coverage to protect against large medical expenses, but the

insured is responsible for routine out-of-pocket expenses. 2 Health savings accounts (HSA) are used in combination with high

deductible health plans to pay for current and future medical expenses.

HSAs are controlled by the employee, although both employees and

employers may contribute to the account. Accounts can accumulate

tax-deferred interest. 3 Health reimbursement arrangements (HRAs) are funded solely by

the employer to reimburse employees for any qualified medical

expenses. HRAs may be offered with any medical plan. 4 Flexible spending accounts (FSAs) allow an employee to set aside

a portion of earnings to pay for qualified medical expenses. Money is

deducted from an employee’s earnings and is not subject to payroll

taxes. Any funds not used by the end of the plan year are forfeited by

the employee. 5 Medical savings accounts (MSAs) combine both a tax advantage

personal savings account and a high deductible health insurance plan. 

Employees must be covered by a health insurance policy before deposits

are made into the plan. MSAs pay for routine health care costs. 6 Surveyed occupations are classified into wage categories based on

the average wage for the occupation, which may include workers with

earnings both above and below the threshold. The categories were

formed using percentile estimates generated using data from the

National Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not

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

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 46. Standard errors for high deductible health plans:1

 Summary of tax-favored accounts,

private industry workers, National Compensation Survey, 2013

Characteristics Health savings

account2

Health

reimbursement

arrangement3

Flexible spending

account 4

Medical savings

account5

Worker characteristic

All workers ............................................................... 2.5 2.1 2.3 –

Management, professional, and related .................. 4.1 3.3 4.6 –

Management, business, and financial ................. 4.5 2.8 4.4 –

Professional and related ...................................... 5.1 4.9 6.0 –

Service ..................................................................... 6.0 5.6 6.3 –

Protective service ................................................ – 18.8 13.2 –

Sales and office ....................................................... 3.6 3.8 3.5 –

Sales and related ................................................. 6.9 5.3 6.9 –

Office and administrative support ........................ 4.5 4.3 4.3 –

Natural resources, construction, and maintenance 5.8 2.7 6.8 –

Installation, maintenance, and repair ................... 6.9 4.7 7.4 –

Production, transportation, and material moving ..... 4.8 4.4 5.0 –

Production ............................................................ 5.3 5.2 – –

Transportation and material moving .................... 7.0 7.2 7.5 –

Full time ................................................................... 2.5 2.2 2.3 –

Part time .................................................................. 4.6 7.2 9.2 –

Union ....................................................................... 9.4 – 11.2 –

Nonunion ................................................................. 2.5 2.2 2.4 –

Average wage within the following categories6:

Lowest 25 percent ............................................... 5.1 5.3 7.0 –

Second 25 percent ............................................... 3.8 3.8 3.8 –

Third 25 percent ................................................... 2.6 2.5 3.2 –

Highest 25 percent ............................................... 4.3 2.5 3.9 –

Highest 10 percent ........................................... 6.3 3.0 5.5 –

Establishment characteristic

Goods-producing industries ..................................... 5.1 3.3 5.1 –

Construction ......................................................... 6.1 – – –

Manufacturing ...................................................... 6.4 4.1 6.6 –

Service-providing industries ..................................... 2.8 2.5 2.7 –

Trade, transportation, and utilities ....................... 3.9 3.1 4.5 –

Wholesale trade ............................................... – 9.3 10.6 –

Retail trade ...................................................... 3.4 – 4.9 –

Transportation and warehousing ..................... 12.8 – 11.3 –

Utilities ............................................................. 14.0 – 16.4 –

Financial activities ................................................ 3.6 3.5 3.4 –

Finance and insurance .................................... 3.7 3.2 3.1 –

See footnotes at end of table.
Table 46. Standard errors for high deductible health plans:1

 Summary of tax-favored accounts,

private industry workers, National Compensation Survey, 2013—continued

Characteristics Health savings

account2

Health

reimbursement

arrangement3

Flexible spending

account 4

Medical savings

account5

Credit intermediation and related activities .. 5.2 4.5 5.3 –

Insurance carriers and related activities ...... 5.4 4.2 3.5 –

Professional and business services ..................... 5.7 – 4.8 –

Professional and technical services ................. 6.6 – 7.8 –

Education and health services ............................. 7.6 5.4 – –

Educational services ........................................ 12.4 – 10.4 –

Junior colleges, colleges, and universities ... – – 13.2 –

Health care and social assistance ................... 8.0 5.8 – –

1 to 99 workers ........................................................ 3.0 3.2 3.4 –

1 to 49 workers .................................................... 4.1 3.4 3.9 –

50 to 99 workers .................................................. 6.2 7.6 6.9 –

100 workers or more ................................................ 3.6 2.5 3.7 –

100 to 499 workers .............................................. 4.2 3.5 4.4 –

500 workers or more ............................................ 4.3 4.6 4.9 –

Geographic area

New England ........................................................... 9.9 – – –

Middle Atlantic ......................................................... 6.5 4.0 – –

South Atlantic ........................................................... 4.6 4.4 4.6 –

East South Central ................................................... – – 10.8 –

West South Central .................................................. 8.4 5.5 4.3 –

East North Central ................................................... 6.8 1.4 5.7 –

West North Central .................................................. 4.3 – 4.9 –

Mountain .................................................................. 3.2 – 5.6 –

Pacific ...................................................................... 8.3 – 6.3 –

1 A high deductible health plan (HDHP) is a health plan which

typically has a higher deductible and lower premium than a traditional

health plan. An individual plan must have a minimum deductible of

$1,250 to be classified as a HDHP. Normally the plan includes

catastrophic coverage to protect against large medical expenses, but the

insured is responsible for routine out-of-pocket expenses. 2 Health savings accounts (HSA) are used in combination with high

deductible health plans to pay for current and future medical expenses.

HSAs are controlled by the employee, although both employees and

employers may contribute to the account. Accounts can accumulate

tax-deferred interest. 3 Health reimbursement arrangements (HRAs) are funded solely by

the employer to reimburse employees for any qualified medical

expenses. HRAs may be offered with any medical plan. 4 Flexible spending accounts (FSAs) allow an employee to set aside

a portion of earnings to pay for qualified medical expenses. Money is

deducted from an employee’s earnings and is not subject to payroll

taxes. Any funds not used by the end of the plan year are forfeited by

the employee. 5 Medical savings accounts (MSAs) combine both a tax advantage

personal savings account and a high deductible health insurance plan. 

Employees must be covered by a health insurance policy before deposits

are made into the plan. MSAs pay for routine health care costs. 6 Surveyed occupations are classified into wage categories based on

the average wage for the occupation, which may include workers with

earnings both above and below the threshold. The categories were

formed using percentile estimates generated using data from the

National Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not

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

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 47. Non-high deductible health plans: Amount of annual individual deductible, private industry workers, National

Compensation Survey, 2013

(All workers participating in non-high deductible health plans = 100 percent)

Characteristics Total With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 100 80 $200 $275 $500 $750 $1,000 20

Management, professional, and related .................. 100 80 200 250 500 750 1,000 20

Management, business, and financial ................. 100 83 – 300 – 600 1,000 17

Professional and related ...................................... 100 77 200 250 500 800 1,000 23

Service ..................................................................... 100 74 200 250 400 500 1,000 26

Protective service ................................................ 100 82 250 300 – – 1,000 18

Sales and office ....................................................... 100 82 200 300 500 1,000 1,000 18

Sales and related ................................................. 100 83 200 300 500 1,000 1,000 17

Office and administrative support ........................ 100 81 200 300 500 800 1,000 19

Natural resources, construction, and maintenance 100 85 – 300 500 – 1,000 15

Installation, maintenance, and repair ................... 100 80 150 250 500 750 1,000 20

Production, transportation, and material moving ..... 100 79 200 300 500 750 1,000 21

Production ............................................................ 100 77 250 300 500 700 1,000 23

Transportation and material moving .................... 100 81 200 250 500 750 1,000 19

Full time ................................................................... 100 80 200 300 500 750 1,000 20

Part time .................................................................. 100 82 – 250 300 500 950 18

Union ....................................................................... 100 74 – 200 300 500 1,000 26

Nonunion ................................................................. 100 81 200 300 500 750 1,000 19

Average wage within the following categories1:

Lowest 25 percent ............................................... 100 78 200 250 500 750 1,000 22

Second 25 percent ............................................... 100 82 200 250 500 750 1,000 18

Third 25 percent ................................................... 100 78 200 300 500 750 1,000 22

Highest 25 percent ............................................... 100 80 200 275 500 750 1,000 20

Highest 10 percent ........................................... 100 77 200 300 500 750 1,000 23

Establishment characteristic

Goods-producing industries ..................................... 100 80 – 300 400 750 1,000 20

Construction ......................................................... 100 85 250 300 500 – 1,000 15

Manufacturing ...................................................... 100 77 200 275 400 700 1,000 23

Service-providing industries ..................................... 100 80 200 250 500 750 1,000 20

Trade, transportation, and utilities ....................... 100 81 200 300 500 950 1,000 19

Wholesale trade ............................................... 100 83 250 – 500 850 1,000 17

Retail trade ...................................................... 100 82 200 300 500 1,000 1,000 18

Transportation and warehousing ..................... 100 76 – 250 500 – 1,000 24

Utilities ............................................................. 100 – – – – – – –

Information ........................................................... 100 73 200 350 500 1,000 1,100 27

Financial activities ................................................ 100 84 250 350 500 1,000 1,000 16

Finance and insurance .................................... 100 85 250 350 500 1,000 1,000 15

See footnotes at end of table.
Table 47. Non-high deductible health plans: Amount of annual individual deductible, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in non-high deductible health plans = 100 percent)

Characteristics Total With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 100 90 $300 $350 $500 $1,000 $1,000 10

Insurance carriers and related activities ...... 100 78 250 350 500 750 1,000 22

Professional and business services ..................... 100 82 200 350 500 1,000 1,000 18

Professional and technical services ................. 100 80 300 – 500 1,000 1,000 20

Administrative and waste services ................... 100 – – – – – – –

Education and health services ............................. 100 78 200 250 500 500 1,000 22

Educational services ........................................ 100 75 200 250 500 600 1,000 25

Junior colleges, colleges, and universities ... 100 79 200 250 400 600 1,000 21

Health care and social assistance ................... 100 78 200 250 500 500 1,000 22

Other services ...................................................... 100 79 – 300 500 – 1,000 21

1 to 99 workers ........................................................ 100 76 250 300 500 1,000 1,000 24

1 to 49 workers .................................................... 100 78 250 300 500 1,000 1,000 22

50 to 99 workers .................................................. 100 72 250 300 500 1,000 1,000 28

100 workers or more ................................................ 100 83 200 250 500 750 1,000 17

100 to 499 workers .............................................. 100 87 200 300 500 750 1,000 13

500 workers or more ............................................ 100 79 150 250 400 600 1,000 21

Geographic area

New England ........................................................... 100 75 – 250 375 500 1,000 25

Middle Atlantic ......................................................... 100 71 200 250 500 900 1,000 29

South Atlantic ........................................................... 100 88 – – – – – 12

East South Central ................................................... 100 – – – – – – –

West South Central .................................................. 100 91 200 275 – 750 1,000 9

East North Central ................................................... 100 85 250 300 500 750 1,000 15

West North Central .................................................. 100 85 250 – 500 1,000 1,000 15

Mountain .................................................................. 100 79 – 300 500 – 1,000 21

Pacific ...................................................................... 100 66 200 250 500 750 1,000 34

1 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data from

the National Compensation Survey publication, "Employer Costs for Employee Compensation

- March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate

that no data were reported or that data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 47. Standard errors for non-high deductible health plans: Amount of annual individual deductible, private

industry workers, National Compensation Survey, 2013

Characteristics With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 1.2 $0 $43 $0 $0 $0 1.2

Management, professional, and related .................. 2.1 29 48 0 44 0 2.1

Management, business, and financial ................. 1.7 – 30 – 168 0 1.7

Professional and related ...................................... 3.0 47 18 0 144 0 3.0

Service ..................................................................... 3.6 0 9 120 46 9 3.6

Protective service ................................................ 5.0 71 26 – – 150 5.0

Sales and office ....................................................... 1.6 16 9 0 133 0 1.6

Sales and related ................................................. 2.0 18 20 71 9 0 2.0

Office and administrative support ........................ 2.3 13 53 0 215 0 2.3

Natural resources, construction, and maintenance 2.2 – 13 0 – 0 2.2

Installation, maintenance, and repair ................... 3.3 30 47 109 149 0 3.3

Production, transportation, and material moving ..... 2.2 0 65 32 61 0 2.2

Production ............................................................ 3.3 18 0 55 80 0 3.3

Transportation and material moving .................... 3.8 0 54 66 52 0 3.8

Full time ................................................................... 1.1 0 23 0 0 0 1.1

Part time .................................................................. 2.8 – 24 70 18 81 2.8

Union ....................................................................... 4.3 – 39 13 0 80 4.3

Nonunion ................................................................. 1.0 33 5 0 65 0 1.0

Average wage within the following categories1:

Lowest 25 percent ............................................... 3.4 0 56 102 167 0 3.4

Second 25 percent ............................................... 2.1 0 27 0 0 0 2.1

Third 25 percent ................................................... 1.5 21 0 0 188 0 1.5

Highest 25 percent ............................................... 2.0 12 41 0 18 0 2.0

Highest 10 percent ........................................... 4.0 47 23 32 66 0 4.0

Establishment characteristic

Goods-producing industries ..................................... 1.7 – 13 82 91 0 1.7

Construction ......................................................... 4.0 36 60 0 – 0 4.0

Manufacturing ...................................................... 2.2 15 41 67 125 0 2.2

Service-providing industries ..................................... 1.4 0 36 0 46 0 1.4

Trade, transportation, and utilities ....................... 1.6 0 20 0 193 0 1.6

Wholesale trade ............................................... 2.9 0 – 41 231 0 2.9

Retail trade ...................................................... 2.3 13 0 0 16 0 2.3

Transportation and warehousing ..................... 6.2 – 65 128 – 118 6.2

Utilities ............................................................. – – – – – – –

Information ........................................................... 4.6 52 47 41 266 0 4.6

Financial activities ................................................ 2.4 30 18 0 0 0 2.4

Finance and insurance .................................... 1.8 0 0 0 52 0 1.8

See footnotes at end of table.
Table 47. Standard errors for non-high deductible health plans: Amount of annual individual deductible, private

industry workers, National Compensation Survey, 2013—continued

Characteristics With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 2.6 $68 $16 $0 $0 $0 2.6

Insurance carriers and related activities ...... 4.7 0 44 0 194 141 4.7

Professional and business services ..................... 3.7 26 88 0 237 0 3.7

Professional and technical services ................. 5.6 55 – 46 140 0 5.6

Administrative and waste services ................... – – – – – – –

Education and health services ............................. 3.8 0 0 26 109 0 3.8

Educational services ........................................ 4.0 44 47 47 169 0 4.0

Junior colleges, colleges, and universities ... 3.3 32 0 72 125 281 3.3

Health care and social assistance ................... 4.6 0 0 26 95 0 4.6

Other services ...................................................... 5.3 – 88 39 – 145 5.3

1 to 99 workers ........................................................ 2.1 53 13 0 0 0 2.1

1 to 49 workers .................................................... 2.2 72 31 0 102 0 2.2

50 to 99 workers .................................................. 4.6 20 29 60 87 0 4.6

100 workers or more ................................................ 1.2 18 21 67 22 0 1.2

100 to 499 workers .............................................. 1.5 0 0 0 0 0 1.5

500 workers or more ............................................ 1.6 30 0 35 40 0 1.6

Geographic area

New England ........................................................... 6.1 – 51 44 123 0 6.1

Middle Atlantic ......................................................... 4.1 0 51 20 232 0 4.1

South Atlantic ........................................................... 1.2 – – – – – 1.2

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

West South Central .................................................. 2.0 0 42 – 39 0 2.0

East North Central ................................................... 2.2 29 26 0 102 0 2.2

West North Central .................................................. 2.6 50 – 0 253 0 2.6

Mountain .................................................................. 5.9 – 25 0 – 13 5.9

Pacific ...................................................................... 2.3 58 50 0 155 0 2.3

1 Surveyed occupations are classified into wage categories based on the average

wage for the occupation, which may include workers with earnings both above and

below the threshold. The categories were formed using percentile estimates generated

using data from the National Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication

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

"Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 48. Mental health care and substance abuse treatment benefits: 

Coverage for selected services,1

 private industry workers, National

Compensation Survey, 2013

(All workers participating in medical care plans = 100 percent)

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Inpatient

substance abuse

detoxification

Worker characteristic

All workers ............................................................... 83 80 81

Management, professional, and related .................. 81 – 79

Management, business, and financial ................. 85 83 82

Service ..................................................................... 84 82 82

Sales and office ....................................................... 83 80 82

Sales and related ................................................. 87 84 85

Office and administrative support ........................ 81 – 80

Natural resources, construction, and maintenance 85 83 81

Installation, maintenance, and repair ................... 84 82 79

Production, transportation, and material moving ..... 83 80 82

Production ............................................................ 87 82 84

Transportation and material moving .................... 80 – 79

Full time ................................................................... 82 80 80

Part time .................................................................. 92 91 92

Union ....................................................................... 89 87 88

Nonunion ................................................................. 82 – 80

Average wage within the following categories2:

Lowest 25 percent ............................................... 82 81 79

Second 25 percent ............................................... 82 80 80

Third 25 percent ................................................... 82 – 80

Highest 25 percent ............................................... 84 82 83

Highest 10 percent ........................................... 84 82 84

Establishment characteristic

Goods-producing industries ..................................... 84 81 80

Construction ......................................................... 81 – –

Manufacturing ...................................................... 85 81 82

Service-providing industries ..................................... 82 80 81

Trade, transportation, and utilities ....................... 84 82 83

Retail trade ...................................................... 88 86 86

Information ........................................................... 85 82 82

Financial activities ................................................ 86 84 84

Finance and insurance .................................... 86 83 84

See footnotes at end of table.
Table 48. Mental health care and substance abuse treatment benefits: 

Coverage for selected services,1

 private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Inpatient

substance abuse

detoxification

Credit intermediation and related activities .. 87 84 83

Insurance carriers and related activities ...... 87 83 86

Professional and business services ..................... – – 79

Education and health services ............................. 82 81 81

Educational services:

 Junior colleges, colleges, and universities ... – – 75

Health care and social assistance ................... 84 83 82

1 to 99 workers:

50 to 99 workers ................................................ 88 86 85

100 workers or more ................................................ 86 84 84

100 to 499 workers .............................................. 84 81 83

500 workers or more ............................................ 88 87 85

Geographic area

New England ........................................................... 82 82 82

Middle Atlantic ......................................................... 82 80 82

South Atlantic ........................................................... 81 80 76

East South Central ................................................... 85 82 89

West South Central .................................................. 88 85 84

West North Central .................................................. 81 – –

Mountain .................................................................. 86 81 87

Pacific ...................................................................... 90 86 88

1 The remaining workers include both workers not

receiving the benefit and workers for whom the

availability of the benefit could not be determined. 2 Surveyed occupations are classified into wage

categories based on the average wage for the

occupation, which may include workers with earnings

both above and below the threshold. The categories

were formed using percentile estimates generated

using data from the National Compensation Survey

publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Dashes indicate that no data were reported or

that data do not meet publication criteria. For

definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms"

at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 48. Standard errors for mental health care and substance abuse

treatment benefits: Coverage for selected services,1

 private industry

workers, National Compensation Survey, 2013

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Inpatient

substance abuse

detoxification

Worker characteristic

All workers ............................................................... 0.8 0.9 0.8

Management, professional, and related .................. 1.5 – 1.7

Management, business, and financial ................. 1.4 1.3 1.8

Service ..................................................................... 2.9 3.0 3.0

Sales and office ....................................................... 1.2 1.4 1.2

Sales and related ................................................. 2.1 2.4 2.3

Office and administrative support ........................ 1.7 – 1.7

Natural resources, construction, and maintenance 1.8 2.3 2.0

Installation, maintenance, and repair ................... 2.3 2.4 3.0

Production, transportation, and material moving ..... 2.2 2.2 1.7

Production ............................................................ 3.2 3.4 2.6

Transportation and material moving .................... 2.6 – 2.3

Full time ................................................................... 0.9 1.0 0.9

Part time .................................................................. 3.1 3.2 3.2

Union ....................................................................... 2.5 2.8 2.0

Nonunion ................................................................. 0.9 – 0.9

Average wage within the following categories2:

Lowest 25 percent ............................................... 2.2 2.3 2.5

Second 25 percent ............................................... 1.6 1.6 1.5

Third 25 percent ................................................... 1.5 – 1.5

Highest 25 percent ............................................... 1.5 1.5 1.6

Highest 10 percent ........................................... 2.4 2.7 2.5

Establishment characteristic

Goods-producing industries ..................................... 2.0 2.3 1.9

Construction ......................................................... 3.0 – –

Manufacturing ...................................................... 2.4 2.7 2.4

Service-providing industries ..................................... 0.9 1.0 0.9

Trade, transportation, and utilities ....................... 1.4 1.5 1.3

Retail trade ...................................................... 2.1 1.9 2.1

Information ........................................................... 5.2 5.4 5.5

Financial activities ................................................ 1.1 1.6 1.9

Finance and insurance .................................... 1.4 2.0 1.9

See footnotes at end of table.
Table 48. Standard errors for mental health care and substance abuse

treatment benefits: Coverage for selected services,1

 private industry

workers, National Compensation Survey, 2013—continued

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Inpatient

substance abuse

detoxification

Credit intermediation and related activities .. 2.6 2.9 2.4

Insurance carriers and related activities ...... 4.0 3.8 4.2

Professional and business services ..................... – – 2.8

Education and health services ............................. 2.7 2.6 2.8

Educational services:

 Junior colleges, colleges, and universities ... – – 5.4

Health care and social assistance ................... 2.9 2.8 2.9

1 to 99 workers:

50 to 99 workers ................................................ 2.5 2.7 2.7

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

100 to 499 workers .............................................. 1.9 1.9 2.0

500 workers or more ............................................ 1.7 1.9 1.9

Geographic area

New England ........................................................... 3.7 3.8 3.7

Middle Atlantic ......................................................... 2.8 3.6 2.3

South Atlantic ........................................................... 2.4 2.4 2.2

East South Central ................................................... 1.0 1.6 2.9

West South Central .................................................. 2.2 2.4 2.0

West North Central .................................................. 1.6 – –

Mountain .................................................................. 1.1 2.5 2.0

Pacific ...................................................................... 1.7 2.1 1.7

1 The remaining workers include both workers not

receiving the benefit and workers for whom the

availability of the benefit could not be determined. 2 Surveyed occupations are classified into wage

categories based on the average wage for the

occupation, which may include workers with earnings

both above and below the threshold. The categories

were formed using percentile estimates generated

using data from the National Compensation Survey

publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Dashes indicate that no data were reported or

that data do not meet publication criteria. For

definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms"

at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 49. Outpatient prescription drug benefits:1

 Type of coverage, private industry

workers, National Compensation Survey, 2013

(All workers participating in outpatient prescription drug plans = 100 percent)

Characteristics Generic

drugs

Brand-name

drugs on

formulary

Brand-name

drugs not on

formulary

Mail order

drugs

Worker characteristic

All workers ............................................................... 100 99 83 84

Management, professional, and related .................. 100 99 87 86

Management, business, and financial ................. 100 98 84 88

Professional and related ...................................... 100 99 88 85

Service ..................................................................... 100 100 77 84

Protective service ................................................ 100 100 91 98

Sales and office ....................................................... 100 99 83 84

Sales and related ................................................. 100 100 84 80

Office and administrative support ........................ 100 99 83 86

Natural resources, construction, and maintenance 100 99 86 81

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 100 89 80

Installation, maintenance, and repair ................... 100 99 84 82

Production, transportation, and material moving ..... 100 99 76 83

Production ............................................................ 100 99 77 81

Transportation and material moving .................... 100 98 75 85

Full time ................................................................... 100 99 83 85

Part time .................................................................. 100 100 82 68

Union ....................................................................... 100 97 71 85

Nonunion ................................................................. 100 99 85 84

Average wage within the following categories2:

Lowest 25 percent ............................................... 100 99 81 83

Second 25 percent ............................................... 100 99 81 84

Third 25 percent ................................................... 100 99 84 84

Highest 25 percent ............................................... 100 99 84 85

Highest 10 percent ........................................... 100 99 86 85

Establishment characteristic

Goods-producing industries ..................................... 100 99 83 81

Construction ......................................................... 100 100 88 81

Manufacturing ...................................................... 100 98 80 80

Service-providing industries ..................................... 100 99 83 85

Trade, transportation, and utilities ....................... 100 99 81 84

Wholesale trade ............................................... 100 99 82 82

Retail trade ...................................................... 100 99 81 81

Transportation and warehousing ..................... 100 97 77 91

Utilities ............................................................. 100 99 82 92

Information ........................................................... 100 100 84 89

Financial activities ................................................ 100 100 88 90

Finance and insurance .................................... 100 100 88 89

See footnotes at end of table.
Table 49. Outpatient prescription drug benefits:1

 Type of coverage, private industry

workers, National Compensation Survey, 2013—continued

(All workers participating in outpatient prescription drug plans = 100 percent)

Characteristics Generic

drugs

Brand-name

drugs on

formulary

Brand-name

drugs not on

formulary

Mail order

drugs

Credit intermediation and related activities .. 100 100 87 90

Insurance carriers and related activities ...... 100 100 93 87

Professional and business services ..................... 100 98 84 84

Professional and technical services ................. 100 100 82 75

Administrative and waste services ................... 100 100 85 96

Education and health services ............................. 100 99 83 84

Educational services ........................................ 100 99 81 87

Junior colleges, colleges, and universities ... 100 99 81 93

Health care and social assistance ................... 100 99 84 84

Other services ...................................................... 100 100 77 87

1 to 99 workers ........................................................ 100 98 80 81

1 to 49 workers .................................................... 100 99 81 80

50 to 99 workers .................................................. 100 98 80 83

100 workers or more ................................................ 100 99 85 87

100 to 499 workers .............................................. 100 99 85 84

500 workers or more ............................................ 100 100 84 91

Geographic area

New England ........................................................... 100 100 95 91

Middle Atlantic ......................................................... 100 98 89 83

South Atlantic ........................................................... 100 99 79 83

East South Central ................................................... 100 98 88 82

West South Central .................................................. 100 99 88 84

East North Central ................................................... 100 99 86 87

West North Central .................................................. 100 98 84 80

Mountain .................................................................. 100 100 82 84

Pacific ...................................................................... 100 98 68 84

1 Outpatient prescription drug benefits include both

stand-alone drug plans and prescription drug benefits included

as part of a medical plan. 2 Surveyed occupations are classified into wage categories

based on the average wage for the occupation, which may

include workers with earnings both above and below the

threshold. The categories were formed using percentile

estimates generated using data from the National

Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2013."

Note: For definitions of major plans, key provisions, and related

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 49. Standard errors for outpatient prescription drug benefits:1

 Type of

coverage, private industry workers, National Compensation Survey, 2013

Characteristics Generic

drugs

Brand-name

drugs on

formulary

Brand-name

drugs not on

formulary

Mail order

drugs

Worker characteristic

All workers ............................................................... 2 ( ) 0.3 1.0 1.1

Management, professional, and related .................. 2 ( ) 0.5 1.6 1.9

Management, business, and financial ................. 2 ( ) 0.7 3.4 3.1

Professional and related ...................................... 2 ( ) 0.6 1.4 2.3

Service ..................................................................... 2 ( ) 0.2 3.1 2.3

Protective service ................................................ 2 ( ) 2 ( ) 4.2 1.7

Sales and office ....................................................... 2 ( ) 0.4 1.4 1.8

Sales and related ................................................. 2 ( ) 0.3 2.6 4.2

Office and administrative support ........................ 2 ( ) 0.6 1.9 1.7

Natural resources, construction, and maintenance 2 ( ) 0.2 3.1 2.6

Construction, extraction, farming, fishing, and

forestry ............................................................... 2 ( ) 2 ( ) 5.8 5.0

Installation, maintenance, and repair ................... 2 ( ) 0.5 2.9 2.9

Production, transportation, and material moving ..... 2 ( ) 0.6 2.2 2.3

Production ............................................................ 2 ( ) 0.5 2.1 2.7

Transportation and material moving .................... 2 ( ) 1.3 4.4 3.0

Full time ................................................................... 2 ( ) 0.3 1.1 1.1

Part time .................................................................. 2 ( ) 0.3 3.5 6.0

Union ....................................................................... 2 ( ) 1.1 3.3 2.7

Nonunion ................................................................. 2 ( ) 0.2 1.2 1.2

Average wage within the following categories3:

Lowest 25 percent ............................................... 2 ( ) 0.3 2.8 2.3

Second 25 percent ............................................... 2 ( ) 0.4 2.6 1.7

Third 25 percent ................................................... 2 ( ) 0.6 1.5 1.3

Highest 25 percent ............................................... 2 ( ) 0.4 2.1 2.3

Highest 10 percent ........................................... 2 ( ) 0.9 3.0 4.0

Establishment characteristic

Goods-producing industries ..................................... 2 ( ) 0.4 1.7 2.5

Construction ......................................................... 2 ( ) 2 ( ) 4.8 3.3

Manufacturing ...................................................... 2 ( ) 0.6 1.8 3.0

Service-providing industries ..................................... 2 ( ) 0.3 1.2 1.2

Trade, transportation, and utilities ....................... 2 ( ) 0.5 2.1 1.8

Wholesale trade ............................................... 2 ( ) 0.2 4.0 4.3

Retail trade ...................................................... 2 ( ) 0.3 2.6 2.5

Transportation and warehousing ..................... 2 ( ) 2.1 5.5 3.4

Utilities ............................................................. 2 ( ) 0.8 4.5 4.1

Information ........................................................... 2 ( ) 2 ( ) 4.5 4.1

Financial activities ................................................ 2 ( ) 0.1 1.4 1.8

Finance and insurance .................................... 2 ( ) 0.1 1.6 1.9

See footnotes at end of table.
Table 49. Standard errors for outpatient prescription drug benefits:1

 Type of

coverage, private industry workers, National Compensation Survey,

2013—continued

Characteristics Generic

drugs

Brand-name

drugs on

formulary

Brand-name

drugs not on

formulary

Mail order

drugs

Credit intermediation and related activities .. 2 ( ) 0.1 2.5 2.4

Insurance carriers and related activities ...... 2 ( ) 0.4 1.5 4.9

Professional and business services ..................... 2 ( ) 1.2 4.4 4.2

Professional and technical services ................. 2 ( ) 2 ( ) 6.7 6.9

Administrative and waste services ................... 2 ( ) 0.1 5.2 3.0

Education and health services ............................. 2 ( ) 0.7 2.2 2.7

Educational services ........................................ 2 ( ) 0.9 5.1 5.0

Junior colleges, colleges, and universities ... 2 ( ) 1.1 4.8 3.2

Health care and social assistance ................... 2 ( ) 0.8 2.4 3.0

Other services ...................................................... 2 ( ) 0.3 6.1 4.3

1 to 99 workers ........................................................ 2 ( ) 0.5 1.8 1.8

1 to 49 workers .................................................... 2 ( ) 0.6 2.2 2.2

50 to 99 workers .................................................. 2 ( ) 1.0 3.4 3.2

100 workers or more ................................................ 2 ( ) 0.2 1.1 1.3

100 to 499 workers .............................................. 2 ( ) 0.4 1.6 1.7

500 workers or more ............................................ 2 ( ) 0.1 1.8 1.9

Geographic area

New England ........................................................... 2 ( ) 2 ( ) 1.5 2.5

Middle Atlantic ......................................................... 2 ( ) 0.8 2.0 2.8

South Atlantic ........................................................... 2 ( ) 0.3 2.3 2.3

East South Central ................................................... 2 ( ) 1.4 5.0 2.6

West South Central .................................................. 2 ( ) 0.4 2.2 4.7

East North Central ................................................... 2 ( ) 0.4 1.9 1.7

West North Central .................................................. 2 ( ) 2.2 5.9 6.4

Mountain .................................................................. 2 ( ) 0.2 7.5 8.2

Pacific ...................................................................... 2 ( ) 0.8 2.1 1.6

1 Outpatient prescription drug benefits include both

stand-alone drug plans and prescription drug benefits included

as part of a medical plan. 2 Less than 0.05. 3 Surveyed occupations are classified into wage categories

based on the average wage for the occupation, which may

include workers with earnings both above and below the

threshold. The categories were formed using percentile

estimates generated using data from the National

Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2013."

Note: For definitions of major plans, key provisions, and related

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 50. Outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, National Compensation

Survey, 2013

(All workers participating in selected outpatient prescription drug plans = 100 percent)

Characteristics

Generic drugs2 Brand-name drugs on formulary3

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Worker characteristic

All workers ............................................................... 80 16 4 $10 78 19 3 $30

Management, professional, and related .................. 80 16 4 10 78 19 2 30

Management, business, and financial ................. 75 24 1 10 72 26 2 30

Professional and related ...................................... 83 11 6 10 82 15 2 30

Service ..................................................................... 76 20 4 10 77 18 5 30

Protective service ................................................ 67 33 – 10 63 37 – 35

Sales and office ....................................................... 82 15 3 10 77 19 3 30

Sales and related ................................................. 84 11 4 10 80 15 5 30

Office and administrative support ........................ 80 17 2 10 76 21 3 30

Natural resources, construction, and maintenance 81 14 4 10 79 16 5 30

Construction, extraction, farming, fishing, and

forestry ............................................................... 79 19 2 10 78 20 2 30

Installation, maintenance, and repair ................... 83 11 6 10 80 12 7 30

Production, transportation, and material moving ..... 81 17 2 10 78 19 3 30

Production ............................................................ 80 17 3 10 74 20 5 30

Transportation and material moving .................... 81 18 1 10 81 17 1 30

Full time ................................................................... 81 16 3 10 78 19 3 30

Part time .................................................................. 70 15 15 – 81 17 2 30

Union ....................................................................... 77 21 2 10 75 20 5 20

Nonunion ................................................................. 81 15 4 10 78 19 3 30

Average wage within the following categories5:

Lowest 25 percent ............................................... 83 15 2 10 82 15 3 30

Second 25 percent ............................................... 79 17 4 10 78 19 3 30

Third 25 percent ................................................... 81 16 3 10 79 18 3 30

Highest 25 percent ............................................... 79 17 4 10 76 21 3 30

Highest 10 percent ........................................... 78 19 4 10 75 23 3 –

Establishment characteristic

Goods-producing industries ..................................... 79 17 4 10 75 20 5 30

Construction ......................................................... 80 14 6 10 78 16 6 30

Manufacturing ...................................................... 81 16 3 10 76 19 5 30

Service-providing industries ..................................... 81 16 3 10 79 19 3 30

Trade, transportation, and utilities ....................... 85 14 1 10 83 16 1 30

Wholesale trade ............................................... 87 11 2 10 87 11 2 30

Retail trade ...................................................... 87 13 6 ( ) – 82 17 1 30

Transportation and warehousing ..................... 81 18 1 10 80 20 1 30

Utilities ............................................................. 80 – – 10 77 – – 25

Information ........................................................... 80 – – 10 73 22 6 25

Financial activities ................................................ 79 19 2 10 70 27 2 30

Finance and insurance .................................... 75 23 1 10 66 32 2 30

See footnotes at end of table.
Table 50. Outpatient prescription drug benefits:1

 Copayment provisions, private

industry workers, National Compensation Survey, 2013—continued

(All workers participating in selected outpatient prescription drug plans = 100 percent)

Characteristics

Brand-name drugs not on formulary4

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Worker characteristic

All workers ............................................................... 79 20 2 $50

Management, professional, and related .................. 81 18 1 50

Management, business, and financial ................. 74 24 1 50

Professional and related ...................................... 85 – – 50

Service ..................................................................... 80 – – 50

Protective service ................................................ 61 39 – –

Sales and office ....................................................... 76 – – 50

Sales and related ................................................. 75 – – 50

Office and administrative support ........................ 76 23 1 50

Natural resources, construction, and maintenance 78 – – 50

Construction, extraction, farming, fishing, and

forestry ............................................................... 73 – – 50

Installation, maintenance, and repair ................... 83 – – 50

Production, transportation, and material moving ..... 79 – – 50

Production ............................................................ 75 – – 50

Transportation and material moving .................... 83 – – 50

Full time ................................................................... 79 20 2 50

Part time .................................................................. 82 – – 50

Union ....................................................................... 76 – – 40

Nonunion ................................................................. 79 19 1 50

Average wage within the following categories5:

Lowest 25 percent ............................................... 85 – – 55

Second 25 percent ............................................... 79 – – 50

Third 25 percent ................................................... 79 20 1 50

Highest 25 percent ............................................... 76 21 2 50

Highest 10 percent ........................................... 73 – – 50

Establishment characteristic

Goods-producing industries ..................................... 75 – – 50

Construction ......................................................... 76 – – 50

Manufacturing ...................................................... 77 – – 50

Service-providing industries ..................................... 80 19 1 50

Trade, transportation, and utilities ....................... 81 – – 50

Wholesale trade ............................................... 85 – – 55

Retail trade ...................................................... 82 – – 50

Transportation and warehousing ..................... 76 – – 45

Utilities ............................................................. 74 – – 40

Information ........................................................... 67 – – 40

Financial activities ................................................ 65 – – 50

Finance and insurance .................................... 58 – – 50

See footnotes at end of table.
Table 50. Outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, National Compensation

Survey, 2013—continued

(All workers participating in selected outpatient prescription drug plans = 100 percent)

Characteristics

Generic drugs2 Brand-name drugs on formulary3

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Credit intermediation and related activities .. 77 22 1 $10 66 34 1 $30

Insurance carriers and related activities ...... 70 27 2 10 64 34 3 30

Professional and business services ..................... 74 24 2 10 70 28 2 35

Professional and technical services ................. 70 29 1 10 67 32 1 35

Administrative and waste services ................... 82 – – 10 80 – – 30

Education and health services ............................. 82 10 8 10 85 12 3 30

Educational services ........................................ 90 9 1 10 90 10 – –

Junior colleges, colleges, and universities ... 86 13 1 10 86 14 – 25

Health care and social assistance ................... 81 10 9 10 85 12 4 30

Other services ...................................................... 82 – – 10 91 – – 30

1 to 99 workers ........................................................ 80 15 5 10 81 15 4 30

1 to 49 workers .................................................... 81 14 5 10 81 15 4 35

50 to 99 workers .................................................. 79 16 6 10 81 16 3 30

100 workers or more ................................................ 80 17 2 10 76 22 3 30

100 to 499 workers .............................................. 80 18 2 10 76 22 2 30

500 workers or more ............................................ 81 17 3 10 75 22 4 25

Geographic area

New England ........................................................... 85 14 1 10 83 16 1 30

Middle Atlantic ......................................................... 84 15 1 10 83 16 1 30

South Atlantic ........................................................... 76 17 7 10 77 17 6 30

East South Central ................................................... 79 21 6 ( ) 10 79 20 6 ( ) 30

West South Central .................................................. 79 18 3 10 76 22 2 35

East North Central ................................................... 80 17 3 10 75 21 3 30

West North Central .................................................. 79 – – 10 81 17 2 35

Mountain .................................................................. 79 – – 10 71 26 3 25

Pacific ...................................................................... 83 13 3 10 78 17 5 30

See footnotes at end of table.
Table 50. Outpatient prescription drug benefits:1

 Copayment provisions, private

industry workers, National Compensation Survey, 2013—continued

(All workers participating in selected outpatient prescription drug plans = 100 percent)

Characteristics

Brand-name drugs not on formulary4

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Credit intermediation and related activities .. 55 – – $50

Insurance carriers and related activities ...... 60 – – 50

Professional and business services ..................... 75 – – 60

Professional and technical services ................. 74 26 – 60

Administrative and waste services ................... 80 – – 55

Education and health services ............................. 90 – – 50

Educational services ........................................ 93 6 1 50

Junior colleges, colleges, and universities ... 90 8 2 45

Health care and social assistance ................... 89 – – 50

Other services ...................................................... 97 – – 50

1 to 99 workers ........................................................ 84 14 2 55

1 to 49 workers .................................................... 84 – – 60

50 to 99 workers .................................................. 84 – – 50

100 workers or more ................................................ 75 24 1 50

100 to 499 workers .............................................. 73 26 1 50

500 workers or more ............................................ 76 – – 45

Geographic area

New England ........................................................... 82 – – 50

Middle Atlantic ......................................................... 83 – – 50

South Atlantic ........................................................... 80 17 3 50

East South Central ................................................... 81 – – 50

West South Central .................................................. 71 – – 60

East North Central ................................................... 75 – – 60

West North Central .................................................. 84 – – 60

Mountain .................................................................. 75 22 2 50

Pacific ...................................................................... 79 – – 50

1 Outpatient prescription drug benefits include both

stand-alone drug plans and prescription drug benefits

included as part of a medical plan. 2 All workers participating in an outpatient prescription

drug plan with a generic drug provision equals 100 percent. 3 All workers participating in an outpatient prescription

drug plan with a brand-name drug on formulary provision

equals 100 percent. 4 All workers participating in an outpatient prescription

drug plan with a brand-name drug not on formulary provision

equals 100 percent. 5 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2013." 6 Less than 0.5.

Note: Because of rounding, sums of individual items may not

equal totals. Dashes indicate that no data were reported or

that data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 50. Standard errors for outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, National

Compensation Survey, 2013

Characteristics

Generic drugs Brand-name drugs on formulary

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Worker characteristic

All workers ............................................................... 1.4 1.2 0.6 $0 1.5 1.4 0.5 $0

Management, professional, and related .................. 2.2 2.1 1.2 0 2.4 2.4 0.7 0

Management, business, and financial ................. 3.9 3.9 0.4 0 3.8 3.8 0.4 0

Professional and related ...................................... 2.2 1.6 1.9 0 2.3 2.1 1.1 0

Service ..................................................................... 3.2 2.8 1.4 0 3.3 2.7 2.1 4

Protective service ................................................ 9.9 9.9 – 2 10.1 10.1 – 8

Sales and office ....................................................... 2.0 1.8 0.7 0 2.1 1.8 0.8 0

Sales and related ................................................. 3.0 1.7 1.9 0 2.9 1.5 2.0 0

Office and administrative support ........................ 2.5 2.5 0.5 0 2.5 2.5 0.5 0

Natural resources, construction, and maintenance 3.1 2.7 1.6 0 3.1 2.8 1.6 0

Construction, extraction, farming, fishing, and

forestry ............................................................... 5.7 5.4 1.4 0 5.7 5.4 1.4 3

Installation, maintenance, and repair ................... 3.0 2.0 2.3 0 3.3 2.1 2.4 0

Production, transportation, and material moving ..... 2.1 1.9 1.1 0 2.6 2.3 1.3 0

Production ............................................................ 3.0 2.6 1.7 0 3.9 3.3 2.2 0

Transportation and material moving .................... 2.7 2.7 0.5 0 2.6 2.5 0.5 0

Full time ................................................................... 1.4 1.2 0.5 0 1.5 1.4 0.6 0

Part time .................................................................. 6.2 3.7 6.6 – 4.0 3.9 0.6 0

Union ....................................................................... 3.5 3.6 1.0 1 3.3 3.1 1.8 3

Nonunion ................................................................. 1.5 1.2 0.7 0 1.6 1.5 0.5 0

Average wage within the following categories2:

Lowest 25 percent ............................................... 2.5 2.5 1.3 0 2.7 2.4 1.5 5

Second 25 percent ............................................... 2.0 1.5 1.3 0 1.6 1.7 1.0 0

Third 25 percent ................................................... 1.7 1.5 0.7 0 1.9 1.5 0.8 0

Highest 25 percent ............................................... 2.4 2.1 1.1 0 2.6 2.4 0.7 0

Highest 10 percent ........................................... 3.7 3.2 1.5 0 3.8 3.4 0.9 –

Establishment characteristic

Goods-producing industries ..................................... 2.6 2.1 1.2 0 2.9 2.4 1.4 0

Construction ......................................................... 4.1 3.1 2.3 0 4.1 3.2 2.3 5

Manufacturing ...................................................... 2.9 2.1 1.5 0 3.5 2.6 1.8 0

Service-providing industries ..................................... 1.6 1.3 0.7 0 1.7 1.6 0.6 0

Trade, transportation, and utilities ....................... 1.4 1.3 0.4 0 1.4 1.4 0.5 0

Wholesale trade ............................................... 2.6 2.4 1.3 0 2.5 2.3 1.3 0

Retail trade ...................................................... 1.9 1.9 0.2 – 2.3 2.0 0.6 0

Transportation and warehousing ..................... 2.9 2.8 0.5 0 3.1 3.4 0.5 4

Utilities ............................................................. 6.8 – – 1 7.5 – – 3 ( )

Information ........................................................... 5.2 – – 0 6.0 5.6 3.5 1

Financial activities ................................................ 2.0 1.9 0.7 0 2.5 2.3 1.0 0

Finance and insurance .................................... 2.3 2.3 0.5 0 2.5 2.5 0.9 0

See footnotes at end of table.
Table 50. Standard errors for outpatient prescription drug benefits:1

 Copayment

provisions, private industry workers, National Compensation Survey,

2013—continued

Characteristics

Brand-name drugs not on formulary

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Worker characteristic

All workers ............................................................... 1.4 1.5 0.3 $0

Management, professional, and related .................. 2.1 2.1 0.3 0

Management, business, and financial ................. 3.4 3.4 0.4 1

Professional and related ...................................... 2.0 – – 1

Service ..................................................................... 2.6 – – 0

Protective service ................................................ 10.9 10.9 – –

Sales and office ....................................................... 2.4 – – 2

Sales and related ................................................. 4.8 – – 6

Office and administrative support ........................ 2.3 2.3 0.3 2

Natural resources, construction, and maintenance 3.0 – – 2

Construction, extraction, farming, fishing, and

forestry ............................................................... 5.9 – – 8

Installation, maintenance, and repair ................... 2.4 – – 0

Production, transportation, and material moving ..... 2.3 – – 0

Production ............................................................ 3.2 – – 6

Transportation and material moving .................... 2.6 – – 0

Full time ................................................................... 1.4 1.4 0.3 0

Part time .................................................................. 3.7 – – 0

Union ....................................................................... 2.7 – – 1

Nonunion ................................................................. 1.5 1.5 0.3 2

Average wage within the following categories2:

Lowest 25 percent ............................................... 2.1 – – 5

Second 25 percent ............................................... 2.2 – – 1

Third 25 percent ................................................... 1.8 1.8 0.3 0

Highest 25 percent ............................................... 2.4 2.3 0.5 0

Highest 10 percent ........................................... 4.0 – – 0

Establishment characteristic

Goods-producing industries ..................................... 3.1 – – 0

Construction ......................................................... 3.7 – – 0

Manufacturing ...................................................... 3.7 – – 0

Service-providing industries ..................................... 1.5 1.5 0.3 0

Trade, transportation, and utilities ....................... 1.8 – – 1

Wholesale trade ............................................... 3.2 – – 6

Retail trade ...................................................... 2.5 – – 0

Transportation and warehousing ..................... 4.5 – – 8

Utilities ............................................................. 9.0 – – 8

Information ........................................................... 5.5 – – 5

Financial activities ................................................ 3.2 – – 4

Finance and insurance .................................... 3.5 – – 0

See footnotes at end of table.
Table 50. Standard errors for outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, National

Compensation Survey, 2013—continued

Characteristics

Generic drugs Brand-name drugs on formulary

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Credit intermediation and related activities .. 2.4 2.4 0.2 $0 2.9 2.9 0.3 $0

Insurance carriers and related activities ...... 4.4 4.6 1.1 0 4.7 4.6 1.1 0

Professional and business services ..................... 4.9 4.4 1.1 0 5.4 5.0 1.2 2

Professional and technical services ................. 7.0 6.4 0.9 3 7.1 6.6 0.9 6

Administrative and waste services ................... 6.0 – – 0 6.0 – – 6

Education and health services ............................. 3.4 2.3 2.4 0 2.5 2.4 1.4 0

Educational services ........................................ 2.6 2.5 0.7 0 2.6 2.6 – –

Junior colleges, colleges, and universities ... 3.8 3.7 1.1 0 3.8 3.8 – 4

Health care and social assistance ................... 3.9 2.6 2.7 0 2.8 2.8 1.6 0

Other services ...................................................... 7.4 – – 0 3.0 – – 4

1 to 99 workers ........................................................ 2.3 1.8 1.2 0 2.0 1.8 0.7 5

1 to 49 workers .................................................... 2.6 2.1 1.1 0 2.3 2.0 0.8 5

50 to 99 workers .................................................. 3.9 3.0 3.0 0 3.5 3.1 1.4 1

100 workers or more ................................................ 1.4 1.3 0.7 0 1.8 1.8 0.8 0

100 to 499 workers .............................................. 2.1 1.9 0.8 0 2.4 2.3 0.9 0

500 workers or more ............................................ 2.2 2.0 1.3 0 2.2 2.2 1.3 0

Geographic area

New England ........................................................... 2.8 2.7 1.0 0 2.9 2.9 1.0 0

Middle Atlantic ......................................................... 3.6 3.8 0.5 0 3.0 3.4 0.6 2

South Atlantic ........................................................... 2.6 1.7 1.9 0 2.3 2.3 2.0 0

East South Central ................................................... 3.3 3.2 0.2 0 4.1 4.0 0.2 0

West South Central .................................................. 3.6 3.6 1.1 0 4.0 4.2 1.1 2

East North Central ................................................... 3.4 3.1 0.5 0 5.2 4.8 0.7 4

West North Central .................................................. 7.0 – – 0 2.1 2.4 0.8 4

Mountain .................................................................. 7.6 – – 3 ( ) 7.5 7.4 1.5 1

Pacific ...................................................................... 3.7 2.4 1.6 0 3.9 2.8 2.1 3

See footnotes at end of table.
Table 50. Standard errors for outpatient prescription drug benefits:1

 Copayment

provisions, private industry workers, National Compensation Survey,

2013—continued

Characteristics

Brand-name drugs not on formulary

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Credit intermediation and related activities .. 4.3 – – $4

Insurance carriers and related activities ...... 5.4 – – 0

Professional and business services ..................... 5.2 – – 0

Professional and technical services ................. 5.6 5.6 – 0

Administrative and waste services ................... 6.5 – – 11

Education and health services ............................. 2.1 – – 0

Educational services ........................................ 1.3 1.2 0.2 0

Junior colleges, colleges, and universities ... 2.2 1.9 0.4 4

Health care and social assistance ................... 2.4 – – 1

Other services ...................................................... 1.7 – – 0

1 to 99 workers ........................................................ 1.9 1.7 0.5 3

1 to 49 workers .................................................... 2.0 – – 5

50 to 99 workers .................................................. 3.5 – – 3

100 workers or more ................................................ 1.9 2.0 0.4 0

100 to 499 workers .............................................. 2.7 2.7 0.3 1

500 workers or more ............................................ 2.1 – – 5

Geographic area

New England ........................................................... 3.4 – – 2

Middle Atlantic ......................................................... 1.8 – – 2

South Atlantic ........................................................... 2.3 2.0 0.7 5

East South Central ................................................... 3.6 – – 0

West South Central .................................................. 5.9 – – 4

East North Central ................................................... 5.5 – – 0

West North Central .................................................. 2.3 – – 2

Mountain .................................................................. 4.0 3.9 0.5 0

Pacific ...................................................................... 3.3 – – 0

1 Outpatient prescription drug benefits include both

stand-alone drug plans and prescription drug benefits

included as part of a medical plan. 2 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2013." 3 Less than 0.5.

Note: Because of rounding, sums of individual items may not

equal totals. Dashes indicate that no data were reported or

that data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 51. Dental care benefits: Coverage for selected services, private industry workers, National

Compensation Survey, 2013

(All workers participating in dental care plans = 100 percent)

Characteristics Preventive

services1

Basic

services2

Major

services3

Orthodontia

Total

Employee

and

dependent

Dependent

only

Worker characteristic

All workers ............................................................... 100 100 98 82 48 34

Management, professional, and related .................. 100 100 97 86 52 35

Management, business, and financial ................. 100 100 97 84 56 28

Professional and related ...................................... 100 100 97 88 49 39

Service ..................................................................... 99 99 98 79 44 35

Protective service ................................................ 100 100 100 80 – –

Sales and office ....................................................... 100 100 98 81 50 30

Sales and related ................................................. 100 100 99 84 57 27

Office and administrative support ........................ 100 100 98 79 47 32

Natural resources, construction, and maintenance 100 100 99 75 42 32

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 100 100 69 37 31

Installation, maintenance, and repair ................... 100 100 98 79 46 33

Production, transportation, and material moving ..... 100 100 98 80 42 38

Production ............................................................ 100 100 98 75 36 39

Transportation and material moving .................... 100 100 98 87 50 37

Full time ................................................................... 100 100 98 82 49 33

Part time .................................................................. 100 100 99 86 40 46

Union ....................................................................... 100 100 99 87 51 36

Nonunion ................................................................. 100 100 98 81 48 34

Average wage within the following categories4:

Lowest 25 percent ............................................... 100 100 98 80 45 35

Second 25 percent ............................................... 100 100 97 80 42 38

Third 25 percent ................................................... 100 100 98 81 48 33

Highest 25 percent ............................................... 100 100 98 85 54 31

Highest 10 percent ........................................... 100 100 97 88 60 28

Establishment characteristic

Goods-producing industries ..................................... 100 100 97 78 40 37

Construction ......................................................... 100 100 100 65 27 38

Manufacturing ...................................................... 100 100 96 80 41 39

Service-providing industries ..................................... 100 100 98 84 50 33

Trade, transportation, and utilities ....................... 100 100 99 82 57 25

Wholesale trade ............................................... 100 100 100 72 50 22

Retail trade ...................................................... 100 100 98 85 65 20

Transportation and warehousing ..................... 100 100 100 85 53 32

Utilities ............................................................. 100 100 98 92 41 51

Information ........................................................... 100 100 99 88 67 21

Financial activities ................................................ 100 100 97 85 59 26

Finance and insurance .................................... 100 100 97 90 62 28

See footnotes at end of table.
Table 51. Dental care benefits: Coverage for selected services, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in dental care plans = 100 percent)

Characteristics Preventive

services1

Basic

services2

Major

services3

Orthodontia

Total

Employee

and

dependent

Dependent

only

Credit intermediation and related activities .. 100 100 97 93 59 33

Insurance carriers and related activities ...... 100 100 97 88 69 19

Professional and business services ..................... 100 100 98 87 57 29

Professional and technical services ................. 100 100 96 82 – –

Administrative and waste services ................... 100 100 98 94 57 37

Education and health services ............................. 100 99 97 84 36 47

Educational services ........................................ 100 98 98 77 51 26

Junior colleges, colleges, and universities ... 100 100 100 74 51 23

Health care and social assistance ................... 100 100 97 85 34 50

1 to 99 workers ........................................................ 100 100 98 79 44 35

1 to 49 workers .................................................... 100 100 99 78 42 35

50 to 99 workers .................................................. 100 100 97 81 47 34

100 workers or more ................................................ 100 100 98 85 51 34

100 to 499 workers .............................................. 100 100 98 81 49 32

500 workers or more ............................................ 100 100 97 88 53 35

Geographic area

New England ........................................................... 100 100 98 84 55 29

Middle Atlantic ......................................................... 100 100 97 81 50 31

South Atlantic ........................................................... 100 100 98 81 49 32

East South Central ................................................... 100 100 97 78 43 35

West South Central .................................................. 100 100 97 85 48 37

East North Central ................................................... 99 99 99 85 40 45

West North Central .................................................. 100 100 98 84 38 46

Mountain .................................................................. 100 100 98 85 56 29

Pacific ...................................................................... 100 100 97 80 55 25

1 Preventive services include routine exams, cleanings, and x-rays, and

other preventive care. 2 Basic services include fillings, dental surgery, periodontal care (treatment

for gum disease), and endodontics (root canal therapy). 3 Major services include procedures such as crowns and prosthetics

(replacement of missing teeth with bridgework or dentures). 4 Surveyed occupations are classified into wage categories based on the

average wage for the occupation, which may include workers with earnings both

above and below the threshold. The categories were formed using percentile

estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2013."

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

Dashes indicate that no data were reported or that data do not meet publication

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

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 51. Standard errors for dental care benefits: Coverage for selected services, private industry

workers, National Compensation Survey, 2013

Characteristics Preventive

services1

Basic

services2

Major

services3

Orthodontia

Total

Employee

and

dependent

Dependent

only

Worker characteristic

All workers ............................................................... 0.1 0.1 0.3 1.2 1.7 1.5

Management, professional, and related .................. 0.1 0.1 0.5 1.4 3.0 3.1

Management, business, and financial ................. 4 ( ) 0.1 0.8 2.1 3.3 3.0

Professional and related ...................................... 0.2 0.2 0.6 1.6 4.0 4.2

Service ..................................................................... 0.3 0.3 0.9 4.2 5.6 4.6

Protective service ................................................ 4 ( ) 4 ( ) 4 ( ) 8.7 – –

Sales and office ....................................................... 4 ( ) 4 ( ) 0.5 2.3 2.8 3.0

Sales and related ................................................. 4 ( ) 4 ( ) 0.2 2.9 5.2 5.7

Office and administrative support ........................ 4 ( ) 0.1 0.7 2.8 3.1 3.4

Natural resources, construction, and maintenance 4 ( ) 4 ( ) 0.5 3.6 4.7 4.2

Construction, extraction, farming, fishing, and

forestry ............................................................... 4 ( ) 4 ( ) 0.3 7.4 8.9 8.0

Installation, maintenance, and repair ................... 4 ( ) 4 ( ) 0.8 3.2 4.4 4.5

Production, transportation, and material moving ..... 4 ( ) 4 ( ) 0.6 2.6 3.3 2.8

Production ............................................................ 4 ( ) 4 ( ) 0.7 4.2 4.0 3.3

Transportation and material moving .................... 4 ( ) 4 ( ) 0.7 2.6 4.7 5.1

Full time ................................................................... 0.1 0.1 0.3 1.3 1.7 1.4

Part time .................................................................. 4 ( ) 4 ( ) 0.5 3.0 6.3 7.1

Union ....................................................................... 4 ( ) 4 ( ) 0.5 1.9 4.1 4.2

Nonunion ................................................................. 0.1 0.1 0.4 1.3 1.8 1.6

Average wage within the following categories5:

Lowest 25 percent ............................................... 4 ( ) 4 ( ) 0.7 4.3 5.8 6.1

Second 25 percent ............................................... 0.1 0.1 0.6 1.8 2.5 2.4

Third 25 percent ................................................... 4 ( ) 0.1 0.3 1.9 2.8 2.2

Highest 25 percent ............................................... 0.1 0.1 0.5 1.6 2.5 2.7

Highest 10 percent ........................................... 4 ( ) 4 ( ) 0.9 1.8 4.0 4.2

Establishment characteristic

Goods-producing industries ..................................... 4 ( ) 4 ( ) 1.0 2.3 3.6 3.5

Construction ......................................................... 4 ( ) 4 ( ) 0.1 5.4 6.4 7.4

Manufacturing ...................................................... 4 ( ) 4 ( ) 1.3 2.5 3.5 4.0

Service-providing industries ..................................... 0.1 0.1 0.3 1.4 2.0 1.7

Trade, transportation, and utilities ....................... 4 ( ) 4 ( ) 0.3 2.2 2.6 2.0

Wholesale trade ............................................... 4 ( ) 4 ( ) 4 ( ) 6.0 6.8 5.0

Retail trade ...................................................... 4 ( ) 4 ( ) 0.7 2.3 4.4 4.2

Transportation and warehousing ..................... 4 ( ) 4 ( ) 4 ( ) 6.9 7.0 6.7

Utilities ............................................................. 4 ( ) 4 ( ) 1.0 3.8 8.7 8.8

Information ........................................................... 4 ( ) 4 ( ) 0.9 4.3 5.3 4.2

Financial activities ................................................ 4 ( ) 4 ( ) 0.7 2.2 2.9 2.7

Finance and insurance .................................... 4 ( ) 4 ( ) 0.6 2.0 2.9 2.7

See footnotes at end of table.
Table 51. Standard errors for dental care benefits: Coverage for selected services, private industry

workers, National Compensation Survey, 2013—continued

Characteristics Preventive

services1

Basic

services2

Major

services3

Orthodontia

Total

Employee

and

dependent

Dependent

only

Credit intermediation and related activities .. 4 ( ) 4 ( ) 1.2 1.8 3.7 3.7

Insurance carriers and related activities ...... 4 ( ) 4 ( ) 0.9 4.5 5.7 4.0

Professional and business services ..................... 4 ( ) 4 ( ) 1.2 3.7 4.5 4.9

Professional and technical services ................. 4 ( ) 4 ( ) 2.6 6.3 – –

Administrative and waste services ................... 4 ( ) 4 ( ) 0.8 3.6 6.7 7.3

Education and health services ............................. 0.3 0.4 0.7 2.4 4.0 3.7

Educational services ........................................ 4 ( ) 1.8 1.8 5.0 4.7 4.6

Junior colleges, colleges, and universities ... 4 ( ) 4 ( ) 0.1 6.9 6.6 3.5

Health care and social assistance ................... 0.3 0.3 0.8 2.7 4.6 4.1

1 to 99 workers ........................................................ 4 ( ) 4 ( ) 0.6 2.0 2.8 2.7

1 to 49 workers .................................................... 4 ( ) 4 ( ) 0.3 3.0 4.0 4.3

50 to 99 workers .................................................. 4 ( ) 4 ( ) 1.6 3.3 5.6 6.4

100 workers or more ................................................ 0.1 0.1 0.4 1.4 2.5 2.2

100 to 499 workers .............................................. 4 ( ) 4 ( ) 0.5 2.3 3.4 3.1

500 workers or more ............................................ 0.2 0.3 0.7 1.5 3.6 3.5

Geographic area

New England ........................................................... 4 ( ) 4 ( ) 0.9 5.2 8.9 6.0

Middle Atlantic ......................................................... 4 ( ) 4 ( ) 1.3 3.7 4.9 2.5

South Atlantic ........................................................... 4 ( ) 0.3 0.7 3.4 3.6 2.8

East South Central ................................................... 4 ( ) 4 ( ) 0.6 7.3 11.8 7.4

West South Central .................................................. 4 ( ) 4 ( ) 0.9 3.6 5.8 4.9

East North Central ................................................... 0.3 0.3 0.7 2.8 3.4 4.0

West North Central .................................................. 4 ( ) 4 ( ) 1.1 4.2 4.5 5.1

Mountain .................................................................. 4 ( ) 4 ( ) 0.5 2.1 5.4 3.8

Pacific ...................................................................... 4 ( ) 4 ( ) 1.0 2.5 3.9 4.8

1 Preventive services include routine exams, cleanings, and x-rays, and

other preventive care. 2 Basic services include fillings, dental surgery, periodontal care (treatment

for gum disease), and endodontics (root canal therapy). 3 Major services include procedures such as crowns and prosthetics

(replacement of missing teeth with bridgework or dentures). 4 Less than 0.05. 5 Surveyed occupations are classified into wage categories based on the

average wage for the occupation, which may include workers with earnings both

above and below the threshold. The categories were formed using percentile

estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet

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

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 52. Dental care benefits: Extent of coverage for selected services, private industry workers, National

Compensation Survey, 2013

(All workers participating in dental care plans = 100 percent)

Characteristics

Preventive services1 Basic services3

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 9 91 – 5 ( ) 1 99 – –

Management, professional, and related .................. 10 90 – 5 ( ) – 99 – 5 ( )

Management, business, and financial ................. 10 90 – – – 99 – 5 ( )

Professional and related ...................................... 9 91 – 5 ( ) – 99 – 5 ( )

Service ..................................................................... – 94 – 1 – 97 – –

Protective service ................................................ – 98 – – – 100 – –

Sales and office ....................................................... 10 90 – – – 99 – 5 ( )

Sales and related ................................................. 9 91 – – – 99 – –

Office and administrative support ........................ 10 90 – – – 99 – 5 ( )

Natural resources, construction, and maintenance – 95 – – – 100 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 97 – – – 100 – –

Installation, maintenance, and repair ................... – 93 – – – 99 – –

Production, transportation, and material moving ..... 8 92 – – – 100 – –

Production ............................................................ – 91 – – – 100 – –

Transportation and material moving .................... 8 92 – – – 100 – –

Full time ................................................................... 9 91 – 5 ( ) – 99 – 5 ( )

Part time .................................................................. – 90 – – – 99 – –

Union ....................................................................... 14 86 – – – 98 – –

Nonunion ................................................................. 8 92 – 5 ( ) 1 99 – –

Average wage within the following categories6:

Lowest 25 percent ............................................... 8 92 – – – 99 – –

Second 25 percent ............................................... 9 91 – 5 ( ) – 99 – 5 ( )

Third 25 percent ................................................... 7 93 – 5 ( ) – 99 – 5 ( )

Highest 25 percent ............................................... 10 90 – 5 ( ) – 99 – 5 ( )

Highest 10 percent ........................................... – 89 – 5 ( ) – 99 – 5 ( )

Establishment characteristic

Goods-producing industries ..................................... 12 88 – – – 100 – –

Construction ......................................................... – 93 – – – 100 – –

Manufacturing ...................................................... 14 86 – – – 100 – –

Service-providing industries ..................................... 8 92 – 5 ( ) – 99 – 5 ( )

Trade, transportation, and utilities ....................... 11 89 – – – 100 – –

Wholesale trade ............................................... – 96 – – – 100 – –

Retail trade ...................................................... 13 87 – – – 99 – –

Transportation and warehousing ..................... – 86 – – – 100 – –

Utilities ............................................................. – 95 – – – 97 – –

Information ........................................................... 7 93 – – – 99 – –

Financial activities ................................................ 10 90 – – – 99 – –

Finance and insurance .................................... 12 88 – – – 99 – –

See footnotes at end of table.
Table 52. Dental care benefits: Extent of coverage for selected services,

private industry workers, National Compensation Survey, 2013—continued

(All workers participating in dental care plans = 100 percent)

Characteristics

Major services4

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... – 98 2 –

Management, professional, and related .................. – 97 3 –

Management, business, and financial ................. – 97 3 –

Professional and related ...................................... – 97 3 –

Service ..................................................................... – 98 – 1

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

Sales and office ....................................................... – 98 2 –

Sales and related ................................................. – 99 – –

Office and administrative support ........................ – 98 – 5 ( )

Natural resources, construction, and maintenance – 98 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 100 – –

Installation, maintenance, and repair ................... – 97 – –

Production, transportation, and material moving ..... – 98 – –

Production ............................................................ – 98 – –

Transportation and material moving .................... – 98 – –

Full time ................................................................... – 98 2 –

Part time .................................................................. – 99 – –

Union ....................................................................... – 99 – –

Nonunion ................................................................. – 98 2 –

Average wage within the following categories6:

Lowest 25 percent ............................................... – 98 – –

Second 25 percent ............................................... – 97 3 5 ( )

Third 25 percent ................................................... – 98 2 –

Highest 25 percent ............................................... – 97 2 –

Highest 10 percent ........................................... – 97 – 5 ( )

Establishment characteristic

Goods-producing industries ..................................... – 97 – –

Construction ......................................................... – 100 – –

Manufacturing ...................................................... – 96 – –

Service-providing industries ..................................... – 98 2 5 ( )

Trade, transportation, and utilities ....................... – 99 – –

Wholesale trade ............................................... – 100 – –

Retail trade ...................................................... – 98 – –

Transportation and warehousing ..................... – 100 – –

Utilities ............................................................. – 98 – –

Information ........................................................... – 99 – –

Financial activities ................................................ – 97 3 –

Finance and insurance .................................... – 97 3 –

See footnotes at end of table.
Table 52. Dental care benefits: Extent of coverage for selected services, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in dental care plans = 100 percent)

Characteristics

Preventive services1 Basic services3

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Credit intermediation and related activities .. 11 89 – – – 99 – –

Insurance carriers and related activities ...... – 86 – – – 100 – –

Professional and business services ..................... – 95 – – – 99 – –

Professional and technical services ................. – 98 – – – 100 – –

Administrative and waste services ................... – 90 – – – 100 – –

Education and health services ............................. – 93 – 5 ( ) – 98 – 5 ( )

Educational services ........................................ – 86 – – – 95 – 2

Junior colleges, colleges, and universities ... 7 93 – – – 99 – –

Health care and social assistance ................... – 95 – 5 ( ) – 99 – –

1 to 99 workers ........................................................ 7 93 – – – 99 – –

1 to 49 workers .................................................... 7 93 – – – 100 – –

50 to 99 workers .................................................. – 95 – – – 99 – –

100 workers or more ................................................ 10 90 – 5 ( ) 1 99 – –

100 to 499 workers .............................................. 11 89 – – – 100 – –

500 workers or more ............................................ 9 91 – 5 ( ) 1 98 – –

Geographic area

New England ........................................................... – 97 – – – 99 – –

Middle Atlantic ......................................................... 11 89 – – – 97 – –

South Atlantic ........................................................... 7 93 – – – 99 – 5 ( )

East South Central ................................................... – 99 – – – 100 – –

West South Central .................................................. – 90 – – – 100 – –

East North Central ................................................... – 91 – 1 – 99 – –

West North Central .................................................. – 94 – – – 100 – –

Mountain .................................................................. – 95 – – – 100 – –

Pacific ...................................................................... 15 85 – – – 99 – –

See footnotes at end of table.
Table 52. Dental care benefits: Extent of coverage for selected services,

private industry workers, National Compensation Survey, 2013—continued

(All workers participating in dental care plans = 100 percent)

Characteristics

Major services4

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Credit intermediation and related activities .. – 97 – –

Insurance carriers and related activities ...... – 97 – –

Professional and business services ..................... – 98 – –

Professional and technical services ................. – 96 – –

Administrative and waste services ................... – 98 – –

Education and health services ............................. – 97 2 1

Educational services ........................................ – 98 – 2

Junior colleges, colleges, and universities ... – 100 – –

Health care and social assistance ................... – 97 3 5 ( )

1 to 99 workers ........................................................ – 98 – –

1 to 49 workers .................................................... – 99 1 –

50 to 99 workers .................................................. – 97 – –

100 workers or more ................................................ – 97 2 –

100 to 499 workers .............................................. – 98 2 –

500 workers or more ............................................ – 97 2 –

Geographic area

New England ........................................................... – 98 – –

Middle Atlantic ......................................................... – 97 – –

South Atlantic ........................................................... – 98 – 5 ( )

East South Central ................................................... – 97 3 –

West South Central .................................................. – 97 3 –

East North Central ................................................... – 99 – 1

West North Central .................................................. – 98 – –

Mountain .................................................................. – 98 – –

Pacific ...................................................................... – 97 – –

1 Preventive services include routine exams, cleanings,

and x-rays, and other preventive care. 2 Coverage for dental procedures may be subject to

scheduled allowance, deductible, or coinsurance

provisions, in addition to maximum dollar limitations. 3 Basic services include fillings, dental surgery,

periodontal care (treatment for gum disease), and

endodontics (root canal therapy). 4 Major services include procedures such as crowns

and prosthetics (replacement of missing teeth with

bridgework or dentures). 5 Less than 0.5. 6 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the

National Compensation Survey publication, "Employer

Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may

not equal totals. Dashes indicate that no data were

reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 52. Standard errors for dental care benefits: Extent of coverage for selected services, private industry workers,

National Compensation Survey, 2013

Characteristics

Preventive services1 Basic services3

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 1.0 1.0 – 0.1 0.2 0.2 – –

Management, professional, and related .................. 2.0 2.0 – 0.1 – 0.3 – 0.1

Management, business, and financial ................. 2.0 2.0 – – – 0.4 – 0.1

Professional and related ...................................... 2.5 2.5 – 0.2 – 0.4 – 0.1

Service ..................................................................... – 1.8 – 0.3 – 1.6 – –

Protective service ................................................ – 1.5 – – – 0.2 – –

Sales and office ....................................................... 1.0 1.0 – – – 0.2 – 5 ( )

Sales and related ................................................. 2.1 2.1 – – – 0.3 – –

Office and administrative support ........................ 1.5 1.5 – – – 0.3 – 0.1

Natural resources, construction, and maintenance – 1.7 – – – 0.3 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 1.0 – – – 5 () – –

Installation, maintenance, and repair ................... – 2.6 – – – 0.5 – –

Production, transportation, and material moving ..... 2.2 2.2 – – – 5 () – –

Production ............................................................ – 3.5 – – – 5 () – –

Transportation and material moving .................... 1.9 1.9 – – – 5 () – –

Full time ................................................................... 1.1 1.1 – 0.1 – 0.2 – 0.1

Part time .................................................................. – 3.0 – – – 0.5 – –

Union ....................................................................... 3.0 3.0 – – – 1.0 – –

Nonunion ................................................................. 1.0 1.0 – 0.1 0.2 0.2 – –

Average wage within the following categories6:

Lowest 25 percent ............................................... 2.2 2.2 – – – 0.9 – –

Second 25 percent ............................................... 2.0 2.0 – 0.1 – 0.3 – 5 ( )

Third 25 percent ................................................... 0.9 0.9 – 5 ( ) – 0.3 – 0.1

Highest 25 percent ............................................... 1.9 1.9 – 0.1 – 0.3 – 5 ( )

Highest 10 percent ........................................... – 3.4 – 5 ( ) – 0.4 – 5 ( )

Establishment characteristic

Goods-producing industries ..................................... 2.8 2.8 – – – 0.1 – –

Construction ......................................................... – 2.7 – – – 5 () – –

Manufacturing ...................................................... 3.5 3.5 – – – 0.1 – –

Service-providing industries ..................................... 1.0 1.0 – 0.1 – 0.3 – 0.1

Trade, transportation, and utilities ....................... 2.3 2.3 – – – 0.2 – –

Wholesale trade ............................................... – 1.9 – – – 5 () – –

Retail trade ...................................................... 2.0 2.0 – – – 0.4 – –

Transportation and warehousing ..................... – 7.1 – – – 5 () – –

Utilities ............................................................. – 3.3 – – – 2.8 – –

Information ........................................................... 2.0 2.0 – – – 0.6 – –

Financial activities ................................................ 2.2 2.2 – – – 0.1 – –

Finance and insurance .................................... 2.5 2.5 – – – 0.1 – –

See footnotes at end of table.
Table 52. Standard errors for dental care benefits: Extent of coverage for

selected services, private industry workers, National Compensation Survey,

2013—continued

Characteristics

Major services4

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... – 0.3 0.3 –

Management, professional, and related .................. – 0.5 0.5 –

Management, business, and financial ................. – 0.8 0.8 –

Professional and related ...................................... – 0.6 0.5 –

Service ..................................................................... – 0.9 – 0.3

Protective service ................................................ – 5 () – –

Sales and office ....................................................... – 0.5 0.5 –

Sales and related ................................................. – 0.2 – –

Office and administrative support ........................ – 0.7 – 0.1

Natural resources, construction, and maintenance – 0.4 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 0.3 – –

Installation, maintenance, and repair ................... – 0.7 – –

Production, transportation, and material moving ..... – 0.6 – –

Production ............................................................ – 0.7 – –

Transportation and material moving .................... – 0.7 – –

Full time ................................................................... – 0.3 0.3 –

Part time .................................................................. – 0.5 – –

Union ....................................................................... – 0.5 – –

Nonunion ................................................................. – 0.4 0.3 –

Average wage within the following categories6:

Lowest 25 percent ............................................... – 0.7 – –

Second 25 percent ............................................... – 0.6 0.6 0.1

Third 25 percent ................................................... – 0.3 0.3 –

Highest 25 percent ............................................... – 0.5 0.5 –

Highest 10 percent ........................................... – 0.9 – 5 ( )

Establishment characteristic

Goods-producing industries ..................................... – 0.9 – –

Construction ......................................................... – 0.1 – –

Manufacturing ...................................................... – 1.2 – –

Service-providing industries ..................................... – 0.3 0.3 0.1

Trade, transportation, and utilities ....................... – 0.3 – –

Wholesale trade ............................................... – 5 () – –

Retail trade ...................................................... – 0.7 – –

Transportation and warehousing ..................... – 5 () – –

Utilities ............................................................. – 1.0 – –

Information ........................................................... – 0.9 – –

Financial activities ................................................ – 0.7 0.7 –

Finance and insurance .................................... – 0.6 0.6 –

See footnotes at end of table.
Table 52. Standard errors for dental care benefits: Extent of coverage for selected services, private industry workers,

National Compensation Survey, 2013—continued

Characteristics

Preventive services1 Basic services3

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Credit intermediation and related activities .. 2.4 2.4 – – – 0.3 – –

Insurance carriers and related activities ...... – 6.8 – – – 5 () – –

Professional and business services ..................... – 2.0 – – – 0.6 – –

Professional and technical services ................. – 0.7 – – – 5 () – –

Administrative and waste services ................... – 5.9 – – – 5 () – –

Education and health services ............................. – 2.6 – 0.3 – 0.5 – 0.2

Educational services ........................................ – 4.9 – – – 2.9 – 1.8

Junior colleges, colleges, and universities ... 1.9 1.9 – – – 0.2 – –

Health care and social assistance ................... – 2.9 – 0.3 – 0.4 – –

1 to 99 workers ........................................................ 1.1 1.1 – – – 0.4 – –

1 to 49 workers .................................................... 1.3 1.3 – – – 0.3 – –

50 to 99 workers .................................................. – 2.1 – – – 1.1 – –

100 workers or more ................................................ 1.6 1.6 – 0.1 0.2 0.2 – –

100 to 499 workers .............................................. 2.1 2.1 – – – 0.2 – –

500 workers or more ............................................ 2.4 2.4 – 0.2 0.3 0.4 – –

Geographic area

New England ........................................................... – 0.9 – – – 0.3 – –

Middle Atlantic ......................................................... 2.8 2.8 – – – 1.0 – –

South Atlantic ........................................................... 0.9 0.9 – – – 0.4 – 0.3

East South Central ................................................... – 0.4 – – – 5 () – –

West South Central .................................................. – 4.0 – – – 0.2 – –

East North Central ................................................... – 2.9 – 0.3 – 0.3 – –

West North Central .................................................. – 2.5 – – – 5 () – –

Mountain .................................................................. – 1.4 – – – 5 () – –

Pacific ...................................................................... 3.4 3.4 – – – 0.9 – –

See footnotes at end of table.
Table 52. Standard errors for dental care benefits: Extent of coverage for

selected services, private industry workers, National Compensation Survey,

2013—continued

Characteristics

Major services4

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Credit intermediation and related activities .. – 1.2 – –

Insurance carriers and related activities ...... – 0.9 – –

Professional and business services ..................... – 1.2 – –

Professional and technical services ................. – 2.6 – –

Administrative and waste services ................... – 0.8 – –

Education and health services ............................. – 0.7 0.5 0.4

Educational services ........................................ – 1.8 – 1.8

Junior colleges, colleges, and universities ... – 0.1 – –

Health care and social assistance ................... – 0.8 0.6 0.3

1 to 99 workers ........................................................ – 0.6 – –

1 to 49 workers .................................................... – 0.3 0.3 –

50 to 99 workers .................................................. – 1.6 – –

100 workers or more ................................................ – 0.4 0.4 –

100 to 499 workers .............................................. – 0.5 0.5 –

500 workers or more ............................................ – 0.7 0.6 –

Geographic area

New England ........................................................... – 0.9 – –

Middle Atlantic ......................................................... – 1.3 – –

South Atlantic ........................................................... – 0.6 – 0.3

East South Central ................................................... – 0.6 0.6 –

West South Central .................................................. – 0.9 0.9 –

East North Central ................................................... – 0.7 – 0.3

West North Central .................................................. – 1.1 – –

Mountain .................................................................. – 0.5 – –

Pacific ...................................................................... – 1.0 – –

1 Preventive services include routine exams, cleanings,

and x-rays, and other preventive care. 2 Coverage for dental procedures may be subject to

scheduled allowance, deductible, or coinsurance

provisions, in addition to maximum dollar limitations. 3 Basic services include fillings, dental surgery,

periodontal care (treatment for gum disease), and

endodontics (root canal therapy). 4 Major services include procedures such as crowns

and prosthetics (replacement of missing teeth with

bridgework or dentures). 5 Less than 0.05. 6 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the

National Compensation Survey publication, "Employer

Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that

data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 53. Dental care benefits: Coverage for orthodontia, private industry workers,

National Compensation Survey, 2013

(All workers participating in dental care plans = 100 percent)

Characteristics

Employee and dependent

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median

percent of

covered

charges2

Worker characteristic

All workers ............................................................... – 48 51 1 50

Management, professional, and related .................. – 52 48 1 50

Management, business, and financial ................. – 56 43 1 50

Professional and related ...................................... – 49 51 3 ( ) 50

Service ..................................................................... – 44 56 3 ( ) 50

Protective service ................................................ – 67 – – 50

Sales and office ....................................................... – 50 49 1 50

Sales and related ................................................. – 57 43 3 ( ) 50

Office and administrative support ........................ – 47 52 1 50

Natural resources, construction, and maintenance – 42 55 2 50

Construction, extraction, farming, fishing, and

forestry ............................................................... – 37 62 1 50

Installation, maintenance, and repair ................... – 46 51 3 50

Production, transportation, and material moving ..... – 42 55 3 50

Production ............................................................ – 36 58 5 50

Transportation and material moving .................... – 50 50 1 50

Full time ................................................................... – 49 50 1 50

Part time .................................................................. – 40 60 – 50

Union ....................................................................... – 51 48 3 ( ) 50

Nonunion ................................................................. – 48 51 1 50

Average wage within the following categories4:

Lowest 25 percent ............................................... – 45 54 1 50

Second 25 percent ............................................... – 42 56 2 50

Third 25 percent ................................................... – 48 51 1 50

Highest 25 percent ............................................... – 54 45 1 50

Highest 10 percent ........................................... – 60 40 1 50

Establishment characteristic

Goods-producing industries ..................................... – 40 58 2 50

Construction ......................................................... – 27 70 3 50

Manufacturing ...................................................... – 41 57 2 50

Service-providing industries ..................................... – 50 49 1 50

Trade, transportation, and utilities ....................... – 57 40 3 50

Wholesale trade ............................................... – 50 48 2 50

Retail trade ...................................................... – 65 35 1 50

Transportation and warehousing ..................... – 53 40 7 50

Utilities ............................................................. – 41 57 2 50

Information ........................................................... – 67 31 3 50

Financial activities ................................................ – 59 41 – 50

Finance and insurance .................................... – 62 38 – 50

See footnotes at end of table.
Table 53. Dental care benefits: Coverage for orthodontia, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in dental care plans = 100 percent)

Characteristics

Dependent only

Median

lifetime Full maximum2

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median

percent of

covered

charges2

Worker characteristic

All workers ............................................................... – 34 65 – 50 $1,500

Management, professional, and related .................. – 35 65 3 ( ) 50 1,500

Management, business, and financial ................. – 28 71 1 50 1,500

Professional and related ...................................... – 39 61 3 ( ) 50 1,500

Service ..................................................................... – 35 64 3 ( ) 50 1,500

Protective service ................................................ – – 87 – – 2,000

Sales and office ....................................................... – 30 69 – 50 1,500

Sales and related ................................................. – 26 73 – 50 1,500

Office and administrative support ........................ – 31 67 – 50 1,500

Natural resources, construction, and maintenance – 32 65 2 50 1,500

Construction, extraction, farming, fishing, and

forestry ............................................................... – 31 68 1 50 1,250

Installation, maintenance, and repair ................... – 33 64 3 50 1,500

Production, transportation, and material moving ..... – 38 59 3 50 1,500

Production ............................................................ – 39 56 5 50 1,500

Transportation and material moving .................... – 37 63 1 50 1,500

Full time ................................................................... – 33 66 – 50 1,500

Part time .................................................................. – 46 54 – 50 –

Union ....................................................................... – 36 64 3 ( ) 50 1,500

Nonunion ................................................................. – 34 65 – 50 1,500

Average wage within the following categories4:

Lowest 25 percent ............................................... – 35 64 1 50 1,500

Second 25 percent ............................................... – 38 59 – 50 1,500

Third 25 percent ................................................... – 33 66 1 50 1,500

Highest 25 percent ............................................... – 31 68 – 50 1,500

Highest 10 percent ........................................... – 28 72 – 50 1,500

Establishment characteristic

Goods-producing industries ..................................... – 37 61 1 50 1,500

Construction ......................................................... – 38 59 3 50 1,250

Manufacturing ...................................................... – 39 60 1 50 1,500

Service-providing industries ..................................... – 33 66 – 50 1,500

Trade, transportation, and utilities ....................... – 25 72 3 50 1,500

Wholesale trade ............................................... – 22 76 2 50 1,500

Retail trade ...................................................... – 20 79 1 50 1,500

Transportation and warehousing ..................... – 32 60 7 50 1,500

Utilities ............................................................. – 51 47 2 50 1,750

Information ........................................................... – 21 76 3 50 1,500

Financial activities ................................................ – 26 74 – 50 1,500

Finance and insurance .................................... – 28 72 – 50 1,500

See footnotes at end of table.
Table 53. Dental care benefits: Coverage for orthodontia, private industry workers,

National Compensation Survey, 2013—continued

(All workers participating in dental care plans = 100 percent)

Characteristics

Employee and dependent

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median

percent of

covered

charges2

Credit intermediation and related activities .. – 59 41 – 50

Insurance carriers and related activities ...... – 69 31 – 50

Professional and business services ..................... – 57 43 3 ( ) 50

Professional and technical services ................. – 59 41 – 50

Administrative and waste services ................... – 57 43 3 ( ) 50

Education and health services ............................. – 36 63 3 ( ) 50

Educational services ........................................ – 51 49 – 50

Junior colleges, colleges, and universities ... – 51 49 – 50

Health care and social assistance ................... – 34 66 3 ( ) 50

1 to 99 workers ........................................................ – 44 55 1 50

1 to 49 workers .................................................... – 42 56 2 50

50 to 99 workers .................................................. – 47 53 – 50

100 workers or more ................................................ – 51 48 1 50

100 to 499 workers .............................................. – 49 49 2 50

500 workers or more ............................................ – 53 47 3 ( ) 50

Geographic area

New England ........................................................... – 55 45 3 ( ) 50

Middle Atlantic ......................................................... – 50 49 1 50

South Atlantic ........................................................... – 49 51 3 ( ) 50

East South Central ................................................... – 43 53 3 50

West South Central .................................................. – 48 47 4 50

East North Central ................................................... – 40 59 1 50

West North Central .................................................. – 38 62 3 ( ) 50

Mountain .................................................................. – 56 42 2 50

Pacific ...................................................................... – 55 44 1 50

See footnotes at end of table.
Table 53. Dental care benefits: Coverage for orthodontia, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in dental care plans = 100 percent)

Characteristics

Dependent only

Median

lifetime Full maximum2

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median

percent of

covered

charges2

Credit intermediation and related activities .. – 33 67 – 50 $1,500

Insurance carriers and related activities ...... – 19 81 – 50 1,500

Professional and business services ..................... – 28 70 – 50 1,500

Professional and technical services ................. – – 78 – – 2,000

Administrative and waste services ................... – 34 63 – 50 1,500

Education and health services ............................. – 47 53 3 ( ) 50 1,000

Educational services ........................................ – 26 74 – 50 1,500

Junior colleges, colleges, and universities ... – 23 77 – 50 1,500

Health care and social assistance ................... – 50 49 3 ( ) 50 1,000

1 to 99 workers ........................................................ – 34 64 – 50 1,500

1 to 49 workers .................................................... – 35 63 – 50 1,500

50 to 99 workers .................................................. – 33 66 – 50 1,500

100 workers or more ................................................ – 34 65 1 50 1,500

100 to 499 workers .............................................. – 32 66 2 50 1,500

500 workers or more ............................................ – 35 65 3 ( ) 50 1,500

Geographic area

New England ........................................................... – 29 71 3 ( ) 50 1,500

Middle Atlantic ......................................................... – 31 68 1 50 1,500

South Atlantic ........................................................... – 31 68 – 50 1,500

East South Central ................................................... – 33 62 – 50 1,250

West South Central .................................................. – 37 59 4 50 1,500

East North Central ................................................... – 45 55 1 50 1,500

West North Central .................................................. – 46 54 3 ( ) 50 1,500

Mountain .................................................................. – 29 69 2 50 1,500

Pacific ...................................................................... – 24 75 – 50 1,500

1 Coverage for orthodontia care benefits may be subject to scheduled

allowance, deductible, or coinsurance provisions, in addition to maximum

dollar amounts. 2 Medians include only those plans that have the specified provision. 3 Less than 0.5. 4 Surveyed occupations are classified into wage categories based on

the average wage for the occupation, which may include workers with

earnings both above and below the threshold. The categories were formed

using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013."

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

Dashes indicate that no data were reported or that data do not meet

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

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 53. Standard errors for dental care benefits: Coverage for orthodontia, private

industry workers, National Compensation Survey, 2013

Characteristics

Employee and dependent

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median

percent of

covered

charges2

Worker characteristic

All workers ............................................................... – 1.7 1.7 0.5 0.0

Management, professional, and related .................. – 3.0 3.0 0.3 0.0

Management, business, and financial ................. – 3.3 3.3 0.5 0.0

Professional and related ...................................... – 4.0 4.0 0.2 0.0

Service ..................................................................... – 5.6 5.7 0.3 0.0

Protective service ................................................ – 10.3 – – 0.0

Sales and office ....................................................... – 2.8 2.9 0.3 0.0

Sales and related ................................................. – 5.2 5.3 0.2 0.0

Office and administrative support ........................ – 3.1 3.2 0.4 0.0

Natural resources, construction, and maintenance – 4.7 4.8 1.2 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................... – 8.9 9.0 0.8 0.0

Installation, maintenance, and repair ................... – 4.4 4.4 2.0 0.0

Production, transportation, and material moving ..... – 3.3 3.3 2.1 0.0

Production ............................................................ – 4.0 4.3 3.7 0.0

Transportation and material moving .................... – 4.7 4.7 0.5 0.0

Full time ................................................................... – 1.7 1.7 0.5 0.0

Part time .................................................................. – 6.3 6.3 – 0.0

Union ....................................................................... – 4.1 4.2 0.2 0.0

Nonunion ................................................................. – 1.8 1.8 0.6 0.0

Average wage within the following categories3:

Lowest 25 percent ............................................... – 5.8 5.9 0.6 0.0

Second 25 percent ............................................... – 2.5 2.5 1.4 0.0

Third 25 percent ................................................... – 2.8 2.7 0.3 0.0

Highest 25 percent ............................................... – 2.5 2.5 0.4 0.0

Highest 10 percent ........................................... – 4.0 4.0 0.5 0.0

Establishment characteristic

Goods-producing industries ..................................... – 3.6 3.7 1.0 0.0

Construction ......................................................... – 6.4 6.8 2.2 0.0

Manufacturing ...................................................... – 3.5 3.7 1.1 0.0

Service-providing industries ..................................... – 2.0 2.0 0.6 0.0

Trade, transportation, and utilities ....................... – 2.6 2.6 2.0 0.0

Wholesale trade ............................................... – 6.8 7.4 1.7 0.0

Retail trade ...................................................... – 4.4 4.4 0.6 0.0

Transportation and warehousing ..................... – 7.0 6.5 6.9 0.0

Utilities ............................................................. – 8.7 8.9 1.4 0.0

Information ........................................................... – 5.3 4.6 2.0 0.0

Financial activities ................................................ – 2.9 2.9 – 0.0

Finance and insurance .................................... – 2.9 2.9 – 0.0

See footnotes at end of table.
Table 53. Standard errors for dental care benefits: Coverage for orthodontia, private industry

workers, National Compensation Survey, 2013—continued

Characteristics

Dependent only

Median

lifetime Full maximum2

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median

percent of

covered

charges2

Worker characteristic

All workers ............................................................... – 1.4 1.5 – 0.0 $0

Management, professional, and related .................. – 3.1 3.1 0.2 0.0 0

Management, business, and financial ................. – 3.0 3.0 0.5 0.0 0

Professional and related ...................................... – 4.2 4.2 0.1 0.0 211

Service ..................................................................... – 4.6 4.6 0.3 0.0 0

Protective service ................................................ – – 6.5 – – 562

Sales and office ....................................................... – 2.9 2.9 – 0.0 0

Sales and related ................................................. – 5.9 5.7 – 0.0 0

Office and administrative support ........................ – 3.4 3.3 – 0.0 0

Natural resources, construction, and maintenance – 4.2 4.3 1.2 0.0 0

Construction, extraction, farming, fishing, and

forestry ............................................................... – 8.0 8.0 0.8 0.0 303

Installation, maintenance, and repair ................... – 4.5 4.8 2.0 0.0 95

Production, transportation, and material moving ..... – 2.8 3.1 2.1 0.0 0

Production ............................................................ – 3.3 3.5 3.7 0.0 0

Transportation and material moving .................... – 5.1 4.9 0.5 0.0 0

Full time ................................................................... – 1.4 1.5 – 0.0 0

Part time .................................................................. – 7.1 7.1 – 0.0 –

Union ....................................................................... – 4.2 4.2 0.2 0.0 0

Nonunion ................................................................. – 1.6 1.7 – 0.0 0

Average wage within the following categories3:

Lowest 25 percent ............................................... – 6.1 6.0 0.6 0.0 133

Second 25 percent ............................................... – 2.4 2.6 – 0.0 0

Third 25 percent ................................................... – 2.2 2.2 0.3 0.0 0

Highest 25 percent ............................................... – 2.6 2.7 – 0.0 0

Highest 10 percent ........................................... – 4.2 4.2 – 0.0 0

Establishment characteristic

Goods-producing industries ..................................... – 3.5 3.4 0.7 0.0 0

Construction ......................................................... – 7.4 7.3 2.2 0.0 158

Manufacturing ...................................................... – 4.0 3.9 0.8 0.0 82

Service-providing industries ..................................... – 1.7 1.8 – 0.0 0

Trade, transportation, and utilities ....................... – 2.0 2.5 2.0 0.0 0

Wholesale trade ............................................... – 5.0 5.7 1.7 0.0 284

Retail trade ...................................................... – 4.2 4.1 0.6 0.0 0

Transportation and warehousing ..................... – 6.7 7.8 6.9 0.0 0

Utilities ............................................................. – 8.8 8.6 1.4 0.0 316

Information ........................................................... – 4.2 4.7 2.0 0.0 0

Financial activities ................................................ – 2.7 2.7 – 0.0 0

Finance and insurance .................................... – 2.7 2.7 – 0.0 0

See footnotes at end of table.
Table 53. Standard errors for dental care benefits: Coverage for orthodontia, private

industry workers, National Compensation Survey, 2013—continued

Characteristics

Employee and dependent

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median

percent of

covered

charges2

Credit intermediation and related activities .. – 3.7 3.7 – 0.0

Insurance carriers and related activities ...... – 5.7 5.7 – 0.0

Professional and business services ..................... – 4.5 4.5 4 ( ) 0.0

Professional and technical services ................. – 7.4 7.4 – 0.0

Administrative and waste services ................... – 6.7 6.8 0.1 0.0

Education and health services ............................. – 4.0 4.1 0.2 0.0

Educational services ........................................ – 4.7 4.7 – 0.0

Junior colleges, colleges, and universities ... – 6.6 6.6 – 0.0

Health care and social assistance ................... – 4.6 4.6 0.2 0.0

1 to 99 workers ........................................................ – 2.8 2.8 0.5 0.0

1 to 49 workers .................................................... – 4.0 4.0 0.7 0.0

50 to 99 workers .................................................. – 5.6 5.6 – 0.0

100 workers or more ................................................ – 2.5 2.4 0.7 0.0

100 to 499 workers .............................................. – 3.4 3.3 1.4 0.0

500 workers or more ............................................ – 3.6 3.7 0.5 0.0

Geographic area

New England ........................................................... – 8.9 8.8 0.1 0.0

Middle Atlantic ......................................................... – 4.9 5.1 0.5 0.0

South Atlantic ........................................................... – 3.6 3.5 4 ( ) 0.0

East South Central ................................................... – 11.8 12.2 2.7 0.0

West South Central .................................................. – 5.8 4.8 3.7 0.0

East North Central ................................................... – 3.4 3.7 1.0 0.0

West North Central .................................................. – 4.5 4.5 0.1 0.0

Mountain .................................................................. – 5.4 6.5 1.8 0.0

Pacific ...................................................................... – 3.9 4.0 0.4 0.0

See footnotes at end of table.
Table 53. Standard errors for dental care benefits: Coverage for orthodontia, private industry

workers, National Compensation Survey, 2013—continued

Characteristics

Dependent only

Median

lifetime Full maximum2

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median

percent of

covered

charges2

Credit intermediation and related activities .. – 3.7 3.7 – 0.0 $0

Insurance carriers and related activities ...... – 4.0 4.0 – 0.0 0

Professional and business services ..................... – 4.9 4.9 – 0.0 0

Professional and technical services ................. – – 7.8 – – 340

Administrative and waste services ................... – 8.0 7.2 – 0.0 0

Education and health services ............................. – 3.7 3.7 0.2 0.0 0

Educational services ........................................ – 4.6 4.6 – 0.0 65

Junior colleges, colleges, and universities ... – 3.5 3.5 – 0.0 0

Health care and social assistance ................... – 4.1 4.1 0.2 0.0 0

1 to 99 workers ........................................................ – 2.7 2.6 – 0.0 0

1 to 49 workers .................................................... – 4.4 4.2 – 0.0 18

50 to 99 workers .................................................. – 6.4 6.4 – 0.0 293

100 workers or more ................................................ – 2.2 2.3 0.7 0.0 0

100 to 499 workers .............................................. – 3.1 3.3 1.4 0.0 0

500 workers or more ............................................ – 3.5 3.5 4 ( ) 0.0 0

Geographic area

New England ........................................................... – 6.0 6.0 0.1 0.0 302

Middle Atlantic ......................................................... – 2.5 2.4 0.5 0.0 0

South Atlantic ........................................................... – 3.0 2.8 – 0.0 0

East South Central ................................................... – 6.7 6.1 – 0.0 314

West South Central .................................................. – 4.9 6.2 3.7 0.0 0

East North Central ................................................... – 4.0 3.8 0.5 0.0 0

West North Central .................................................. – 5.1 5.1 0.1 0.0 164

Mountain .................................................................. – 3.8 3.1 1.8 0.0 0

Pacific ...................................................................... – 4.5 4.8 – 0.0 46

1 Coverage for orthodontia care benefits may be subject to scheduled

allowance, deductible, or coinsurance provisions, in addition to maximum

dollar amounts. 2

Note: Medians include only those plans that have specified provision 3 Surveyed occupations are classified into wage categories based on

the average wage for the occupation, which may include workers with

earnings both above and below the threshold. The categories were formed

using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2013." 4 Less than 0.05.

Note: Dashes indicate that no data were reported or that data do not meet

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

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 54. Dental care benefits: Median percent of covered charges

paid by plan for selected services, private industry workers, National

Compensation Survey, 2013

(Includes all workers participating in dental care plans)

Characteristics Preventive

services1

Basic

services2

Major

services3

Worker characteristic

All workers ............................................................... 100 80 50

Management, professional, and related .................. 100 80 50

Management, business, and financial ................. 100 80 50

Professional and related ...................................... 100 80 50

Service ..................................................................... 100 80 50

Protective service ................................................ 100 80 50

Sales and office ....................................................... 100 80 50

Sales and related ................................................. 100 80 50

Office and administrative support ........................ 100 80 50

Natural resources, construction, and maintenance 100 80 50

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 80 50

Installation, maintenance, and repair ................... 100 80 50

Production, transportation, and material moving ..... 100 80 50

Production ............................................................ 100 80 50

Transportation and material moving .................... 100 80 50

Full time ................................................................... 100 80 50

Part time .................................................................. 100 80 50

Union ....................................................................... 100 80 50

Nonunion ................................................................. 100 80 50

Average wage within the following categories4:

Lowest 25 percent ............................................... 100 80 50

Second 25 percent ............................................... 100 80 50

Third 25 percent ................................................... 100 80 50

Highest 25 percent ............................................... 100 80 50

Highest 10 percent ........................................... 100 80 50

Establishment characteristic

Goods-producing industries ..................................... 100 80 50

Construction ......................................................... 100 80 50

Manufacturing ...................................................... 100 80 50

Service-providing industries ..................................... 100 80 50

Trade, transportation, and utilities ....................... 100 80 50

Wholesale trade ............................................... 100 80 50

Retail trade ...................................................... 100 80 50

Transportation and warehousing ..................... 100 80 50

Utilities ............................................................. 100 80 60

Information ........................................................... 100 80 50

Financial activities ................................................ 100 80 50

Finance and insurance .................................... 100 80 50

See footnotes at end of table.
Table 54. Dental care benefits: Median percent of covered charges

paid by plan for selected services, private industry workers, National

Compensation Survey, 2013—continued

(Includes all workers participating in dental care plans)

Characteristics Preventive

services1

Basic

services2

Major

services3

Credit intermediation and related activities .. 100 80 50

Insurance carriers and related activities ...... 100 80 50

Professional and business services ..................... 100 80 50

Professional and technical services ................. 100 80 50

Administrative and waste services ................... 100 80 50

Education and health services ............................. 100 80 50

Educational services ........................................ 100 80 50

Junior colleges, colleges, and universities ... 100 80 50

Health care and social assistance ................... 100 80 50

1 to 99 workers ........................................................ 100 80 50

1 to 49 workers .................................................... 100 80 50

50 to 99 workers .................................................. 100 80 50

100 workers or more ................................................ 100 80 50

100 to 499 workers .............................................. 100 80 50

500 workers or more ............................................ 100 80 50

Geographic area

New England ........................................................... 100 80 50

Middle Atlantic ......................................................... 100 80 50

South Atlantic ........................................................... 100 80 50

East South Central ................................................... 100 80 50

West South Central .................................................. 100 80 50

East North Central ................................................... 100 80 50

West North Central .................................................. 100 80 50

Mountain .................................................................. 100 80 50

Pacific ...................................................................... 100 80 50

1 Preventive services include routine exams,

cleanings, and x-rays, and other preventive care. 2 Basic services include fillings, dental surgery,

periodontal care (treatment for gum disease), and

endodontics (root canal therapy). 3 Major services include procedures such as

crowns and prosthetics (replacement of missing teeth

with bridgework or dentures). 4 Surveyed occupations are classified into wage

categories based on the average wage for the

occupation, which may include workers with earnings

both above and below the threshold. The categories

were formed using percentile estimates generated

using data from the National Compensation Survey

publication, "Employer Costs for Employee

Compensation - March 2013."

Note: For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee

Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 54. Standard errors for dental care benefits: Median percent of

covered charges paid by plan for selected services, private industry

workers, National Compensation Survey, 2013

Characteristics Preventive

services1

Basic

services2

Major

services3

Worker characteristic

All workers ............................................................... 0.0 0.0 0.0

Management, professional, and related .................. 0.0 0.0 0.0

Management, business, and financial ................. 0.0 0.0 0.0

Professional and related ...................................... 0.0 0.0 0.0

Service ..................................................................... 0.0 0.0 0.0

Protective service ................................................ 0.0 0.0 0.0

Sales and office ....................................................... 0.0 0.0 0.0

Sales and related ................................................. 0.0 0.0 0.0

Office and administrative support ........................ 0.0 0.0 0.0

Natural resources, construction, and maintenance 0.0 0.0 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................... 0.0 0.0 0.0

Installation, maintenance, and repair ................... 0.0 0.0 0.0

Production, transportation, and material moving ..... 0.0 0.0 0.0

Production ............................................................ 0.0 0.0 0.0

Transportation and material moving .................... 0.0 0.0 0.0

Full time ................................................................... 0.0 0.0 0.0

Part time .................................................................. 0.0 0.0 0.0

Union ....................................................................... 0.0 0.0 4.5

Nonunion ................................................................. 0.0 0.0 0.0

Average wage within the following categories4:

Lowest 25 percent ............................................... 0.0 0.0 0.0

Second 25 percent ............................................... 0.0 0.0 0.0

Third 25 percent ................................................... 0.0 0.0 0.0

Highest 25 percent ............................................... 0.0 0.0 0.0

Highest 10 percent ........................................... 0.0 0.0 0.0

Establishment characteristic

Goods-producing industries ..................................... 0.0 0.0 0.0

Construction ......................................................... 0.0 0.0 0.0

Manufacturing ...................................................... 0.0 0.0 0.0

Service-providing industries ..................................... 0.0 0.0 0.0

Trade, transportation, and utilities ....................... 0.0 0.0 0.0

Wholesale trade ............................................... 0.0 0.0 0.0

Retail trade ...................................................... 0.0 0.0 0.0

Transportation and warehousing ..................... 0.0 0.0 0.0

Utilities ............................................................. 0.0 0.0 7.3

Information ........................................................... 0.0 0.0 0.0

Financial activities ................................................ 0.0 0.0 0.0

Finance and insurance .................................... 0.0 0.0 0.0

See footnotes at end of table.
Table 54. Standard errors for dental care benefits: Median percent of

covered charges paid by plan for selected services, private industry

workers, National Compensation Survey, 2013—continued

Characteristics Preventive

services1

Basic

services2

Major

services3

Credit intermediation and related activities .. 0.0 0.0 0.0

Insurance carriers and related activities ...... 0.0 0.0 0.0

Professional and business services ..................... 0.0 0.0 0.0

Professional and technical services ................. 0.0 0.0 0.0

Administrative and waste services ................... 0.0 0.0 0.0

Education and health services ............................. 0.0 0.0 0.0

Educational services ........................................ 0.0 0.0 0.0

Junior colleges, colleges, and universities ... 0.0 0.0 0.0

Health care and social assistance ................... 0.0 0.0 0.0

1 to 99 workers ........................................................ 0.0 0.0 0.0

1 to 49 workers .................................................... 0.0 0.0 0.0

50 to 99 workers .................................................. 0.0 0.0 0.0

100 workers or more ................................................ 0.0 0.0 0.0

100 to 499 workers .............................................. 0.0 0.0 0.0

500 workers or more ............................................ 0.0 0.0 0.0

Geographic area

New England ........................................................... 0.0 0.0 0.0

Middle Atlantic ......................................................... 0.0 0.0 0.0

South Atlantic ........................................................... 0.0 0.0 0.0

East South Central ................................................... 0.0 0.0 0.0

West South Central .................................................. 0.0 0.0 0.0

East North Central ................................................... 0.0 0.0 0.0

West North Central .................................................. 0.0 0.0 0.0

Mountain .................................................................. 0.0 0.0 0.0

Pacific ...................................................................... 0.0 0.0 0.0

1 Preventive services include routine exams,

cleanings, and x-rays, and other preventive care. 2 Basic services include fillings, dental surgery,

periodontal care (treatment for gum disease), and

endodontics (root canal therapy). 3 Major services include procedures such as

crowns and prosthetics (replacement of missing teeth

with bridgework or dentures). 4 Surveyed occupations are classified into wage

categories based on the average wage for the

occupation, which may include workers with earnings

both above and below the threshold. The categories

were formed using percentile estimates generated

using data from the National Compensation Survey

publication, "Employer Costs for Employee

Compensation - March 2013."

Note: For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee

Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 55. Dental care benefits: Amount of annual individual deductible,1

 private industry workers, National Compensation Survey,

2013

(All workers participating in dental care plans = 100 percent)

Characteristics Total

With annual

individual

deductible

Amount of annual individual deductible With no

annual

individual

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 100 73 $25 $50 $50 $50 $50 25 1

Management, professional, and related .................. 100 75 25 50 50 50 50 24 1

Management, business, and financial ................. 100 75 25 50 50 50 50 24 2 ( )

Professional and related ...................................... 100 75 25 – 50 50 50 23 2

Service ..................................................................... 100 50 25 50 50 50 50 47 3

Protective service ................................................ 100 86 – 50 50 50 – – –

Sales and office ....................................................... 100 79 25 50 50 50 50 21 2 ( )

Sales and related ................................................. 100 84 – 50 50 50 50 16 –

Office and administrative support ........................ 100 77 25 50 50 50 50 23 1

Natural resources, construction, and maintenance 100 70 25 – 50 50 50 29 2 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 62 25 – 50 50 – 38 –

Installation, maintenance, and repair ................... 100 76 25 50 50 50 50 23 1

Production, transportation, and material moving ..... 100 74 25 50 50 50 50 25 1

Production ............................................................ 100 77 25 50 50 50 50 21 2

Transportation and material moving .................... 100 69 25 50 50 50 50 31 2 ( )

Full time ................................................................... 100 75 25 50 50 50 50 24 1

Part time .................................................................. 100 45 25 50 50 50 50 55 2 ( )

Union ....................................................................... 100 48 25 50 50 50 75 47 4

Nonunion ................................................................. 100 78 25 50 50 50 50 22 2 ( )

Average wage within the following categories3:

Lowest 25 percent ............................................... 100 68 25 – 50 50 50 32 2 ( )

Second 25 percent ............................................... 100 69 25 50 50 50 50 30 1

Third 25 percent ................................................... 100 81 25 50 50 50 50 18 2

Highest 25 percent ............................................... 100 72 25 50 50 50 50 27 1

Highest 10 percent ........................................... 100 76 25 50 50 50 50 22 2

Establishment characteristic

Goods-producing industries ..................................... 100 82 25 50 50 50 50 17 1

Construction ......................................................... 100 65 50 50 50 50 100 35 –

Manufacturing ...................................................... 100 84 25 50 50 50 50 15 1

Service-providing industries ..................................... 100 71 25 50 50 50 50 28 1

Trade, transportation, and utilities ....................... 100 77 25 50 50 50 50 22 2 ( )

Wholesale trade ............................................... 100 81 25 – 50 50 50 19 –

Retail trade ...................................................... 100 84 – 50 50 50 50 16 –

Transportation and warehousing ..................... 100 65 50 50 50 50 60 35 2 ( )

Utilities ............................................................. 100 71 25 – 50 50 – 29 2 ( )

Information ........................................................... 100 65 25 50 50 50 50 35 –

Financial activities ................................................ 100 80 25 50 50 50 75 20 2 ( )

Finance and insurance .................................... 100 80 25 50 50 50 75 19 2 ( )

See footnotes at end of table.
Table 55. Dental care benefits: Amount of annual individual deductible,1

 private industry workers, National Compensation Survey,

2013—continued

(All workers participating in dental care plans = 100 percent)

Characteristics Total

With annual

individual

deductible

Amount of annual individual deductible With no

annual

individual

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 100 81 $25 $50 $50 $50 – 19 –

Insurance carriers and related activities ...... 100 84 – 50 50 50 – 16 2 ( )

Professional and business services ..................... 100 82 25 50 50 50 $50 18 2 ( )

Professional and technical services ................. 100 86 – 50 50 50 50 – –

Administrative and waste services ................... 100 73 25 – 50 50 50 27 –

Education and health services ............................. 100 63 25 25 50 50 50 34 3

Educational services ........................................ 100 64 25 50 50 50 50 32 4

Junior colleges, colleges, and universities ... 100 70 25 – 50 50 50 27 3

Health care and social assistance ................... 100 63 25 25 50 50 – 34 3

1 to 99 workers ........................................................ 100 76 25 50 50 50 50 24 1

1 to 49 workers .................................................... 100 80 25 – 50 50 50 19 1

50 to 99 workers .................................................. 100 68 25 50 50 50 50 32 –

100 workers or more ................................................ 100 72 25 50 50 50 50 27 1

100 to 499 workers .............................................. 100 74 25 50 50 50 50 25 1

500 workers or more ............................................ 100 70 25 50 50 50 – 28 2

Geographic area

New England ........................................................... 100 72 25 – 50 50 50 – –

Middle Atlantic ......................................................... 100 71 25 50 50 50 60 24 5

South Atlantic ........................................................... 100 73 25 50 50 50 50 27 1

East South Central ................................................... 100 85 25 – 50 50 50 – –

West South Central .................................................. 100 79 – 50 50 50 50 21 2 ( )

East North Central ................................................... 100 68 25 50 50 50 50 32 2 ( )

West North Central .................................................. 100 81 25 – 50 50 50 – –

Mountain .................................................................. 100 76 – 50 50 50 50 24 2 ( )

Pacific ...................................................................... 100 71 25 50 50 50 – 28 1

1 Amount of deductible excludes separate deductibles for orthodontic procedures. A deductible may

not apply to all covered dental procedures. If separate deductibles apply to different procedures, the

sum of the deductible amounts are tabulated. 2 Less than 0.5. 3 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 55. Standard errors for dental care benefits: Amount of annual individual deductible,1

 private industry workers,

National Compensation Survey, 2013

Characteristics

With annual

individual

deductible

Amount of annual individual deductible With no

annual

individual

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 1.5 $0 $0 $0 $0 $0 1.5 0.3

Management, professional, and related .................. 2.5 0 4 0 0 0 2.4 0.6

Management, business, and financial ................. 3.3 2 0 0 0 2 3.3 0.2

Professional and related ...................................... 3.0 0 – 0 0 0 2.8 0.9

Service ..................................................................... 4.1 0 0 0 0 0 4.2 1.0

Protective service ................................................ 7.9 – 0 0 0 – – –

Sales and office ....................................................... 2.6 0 0 0 0 0 2.6 0.1

Sales and related ................................................. 3.5 – 0 0 0 0 3.5 –

Office and administrative support ........................ 3.3 0 0 0 0 13 3.3 0.2

Natural resources, construction, and maintenance 3.8 0 – 0 0 3 3.8 0.4

Construction, extraction, farming, fishing, and

forestry ............................................................... 6.5 0 – 0 0 – 6.5 –

Installation, maintenance, and repair ................... 4.2 0 12 0 0 0 4.2 0.7

Production, transportation, and material moving ..... 3.3 0 0 0 0 0 3.2 0.7

Production ............................................................ 4.4 0 0 0 0 0 4.3 1.2

Transportation and material moving .................... 4.2 3 0 0 0 0 4.2 0.1

Full time ................................................................... 1.6 0 0 0 0 0 1.5 0.3

Part time .................................................................. 6.2 0 5 0 0 0 6.2 0.1

Union ....................................................................... 4.4 0 0 0 0 21 4.2 1.8

Nonunion ................................................................. 1.6 0 0 0 0 0 1.6 0.2

Average wage within the following categories2:

Lowest 25 percent ............................................... 4.1 0 – 0 0 0 4.1 0.3

Second 25 percent ............................................... 2.5 0 0 0 0 0 2.5 0.3

Third 25 percent ................................................... 1.7 0 0 0 0 0 1.7 0.5

Highest 25 percent ............................................... 2.5 0 0 0 0 5 2.4 0.5

Highest 10 percent ........................................... 3.8 0 0 0 0 8 3.4 1.2

Establishment characteristic

Goods-producing industries ..................................... 2.3 0 0 0 0 0 2.2 0.5

Construction ......................................................... 5.6 0 0 0 0 14 5.6 –

Manufacturing ...................................................... 2.5 0 0 0 0 0 2.3 0.7

Service-providing industries ..................................... 1.8 0 0 0 0 0 1.8 0.3

Trade, transportation, and utilities ....................... 3.1 0 0 0 0 0 3.1 0.1

Wholesale trade ............................................... 4.6 0 – 0 0 0 4.6 –

Retail trade ...................................................... 3.7 – 0 0 0 0 3.7 –

Transportation and warehousing ..................... 8.0 0 0 0 0 7 8.0 0.3

Utilities ............................................................. 8.0 0 – 0 0 – 7.9 0.4

Information ........................................................... 5.9 0 0 0 0 0 5.9 –

Financial activities ................................................ 2.1 0 0 0 0 17 2.2 0.4

Finance and insurance .................................... 2.0 0 0 0 0 5 2.1 0.4

See footnotes at end of table.
Table 55. Standard errors for dental care benefits: Amount of annual individual deductible,1

 private industry workers,

National Compensation Survey, 2013—continued

Characteristics

With annual

individual

deductible

Amount of annual individual deductible With no

annual

individual

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 3.1 $0 $0 $0 $0 – 3.1 –

Insurance carriers and related activities ...... 2.9 – 0 0 3 – 2.9 3 ( )

Professional and business services ..................... 4.1 0 5 0 0 $0 4.1 3 ( )

Professional and technical services ................. 6.0 – 0 0 0 12 – –

Administrative and waste services ................... 5.9 0 – 0 0 0 5.9 –

Education and health services ............................. 4.2 0 7 0 0 12 4.0 0.8

Educational services ........................................ 7.6 0 0 0 0 0 7.6 2.1

Junior colleges, colleges, and universities ... 5.6 0 – 0 0 0 5.4 1.8

Health care and social assistance ................... 4.6 0 4 0 0 – 4.5 0.9

1 to 99 workers ........................................................ 2.6 0 0 0 0 0 2.5 0.5

1 to 49 workers .................................................... 2.8 0 – 0 0 0 2.7 0.8

50 to 99 workers .................................................. 6.5 0 0 0 0 0 6.5 –

100 workers or more ................................................ 1.8 0 0 0 0 0 1.8 0.4

100 to 499 workers .............................................. 2.7 2 0 0 0 0 2.7 0.5

500 workers or more ............................................ 2.6 0 8 0 0 – 2.6 0.5

Geographic area

New England ........................................................... 8.9 0 – 0 0 0 – –

Middle Atlantic ......................................................... 3.9 0 5 0 0 14 2.5 1.8

South Atlantic ........................................................... 3.3 4 0 0 0 0 3.3 0.3

East South Central ................................................... 5.5 0 – 0 0 0 – –

West South Central .................................................. 4.8 – 0 0 0 0 4.8 0.1

East North Central ................................................... 3.2 0 7 0 0 0 3.0 0.4

West North Central .................................................. 6.6 0 – 0 0 0 – –

Mountain .................................................................. 1.4 – 0 0 0 0 1.4 0.1

Pacific ...................................................................... 4.5 0 0 0 0 – 4.5 0.7

1 Amount of deductible excludes separate deductibles for orthodontic procedures. A

deductible may not apply to all covered dental procedures. If separate deductibles apply to

different procedures, the sum of the deductible amounts are tabulated. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013." 3 Less than 0.05.

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 56. Dental care benefits: Amount of annual family deductible,1

 private industry workers, National Compensation Survey, 2013

(All workers participating in dental care plans = 100 percent)

Characteristics Total

With annual

family

deductible

Amount of annual family deductible

With no

annual family

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 100 62 $75 $100 $150 $150 $150 37 1

Management, professional, and related .................. 100 63 75 100 150 150 150 36 1

Management, business, and financial ................. 100 63 75 100 150 150 150 37 2 ( )

Professional and related ...................................... 100 63 75 – 150 150 150 36 2

Service ..................................................................... 100 44 75 – 150 150 150 53 3

Protective service ................................................ 100 70 – – 150 150 – – –

Sales and office ....................................................... 100 69 75 100 150 150 150 31 2 ( )

Sales and related ................................................. 100 73 75 100 150 150 150 27 –

Office and administrative support ........................ 100 67 75 100 150 150 – 33 1

Natural resources, construction, and maintenance 100 54 – 75 – 150 150 45 2 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 42 50 – – 150 – 58 –

Installation, maintenance, and repair ................... 100 62 75 75 – 150 150 37 1

Production, transportation, and material moving ..... 100 62 75 100 – 150 150 37 1

Production ............................................................ 100 68 75 – 100 150 150 30 2

Transportation and material moving .................... 100 54 75 100 150 150 150 46 2 ( )

Full time ................................................................... 100 64 75 100 150 150 150 35 1

Part time .................................................................. 100 31 75 100 150 150 150 69 2 ( )

Union ....................................................................... 100 38 – 75 – 150 – 57 4

Nonunion ................................................................. 100 66 75 100 150 150 150 33 2 ( )

Average wage within the following categories3:

Lowest 25 percent ............................................... 100 57 75 – 150 150 150 43 2 ( )

Second 25 percent ............................................... 100 59 75 100 150 150 150 40 1

Third 25 percent ................................................... 100 68 75 100 150 150 150 31 2

Highest 25 percent ............................................... 100 61 75 100 150 150 150 38 1

Highest 10 percent ........................................... 100 67 75 100 150 150 150 32 2

Establishment characteristic

Goods-producing industries ..................................... 100 69 75 100 100 150 150 30 1

Construction ......................................................... 100 43 75 150 150 150 300 57 –

Manufacturing ...................................................... 100 73 75 100 100 150 150 26 1

Service-providing industries ..................................... 100 60 75 100 150 150 150 39 1

Trade, transportation, and utilities ....................... 100 64 75 100 150 150 150 36 2 ( )

Wholesale trade ............................................... 100 74 75 75 150 150 150 26 –

Retail trade ...................................................... 100 70 75 150 150 150 150 30 –

Transportation and warehousing ..................... 100 47 100 100 150 – 240 53 2 ( )

Utilities ............................................................. 100 59 – 75 100 150 150 40 2 ( )

Information ........................................................... 100 57 75 100 150 150 150 43 –

Financial activities ................................................ 100 63 75 100 150 150 – 37 2 ( )

Finance and insurance .................................... 100 64 75 100 150 150 – 35 2 ( )

See footnotes at end of table.
Table 56. Dental care benefits: Amount of annual family deductible,1

 private industry workers, National Compensation Survey,

2013—continued

(All workers participating in dental care plans = 100 percent)

Characteristics Total

With annual

family

deductible

Amount of annual family deductible

With no

annual family

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 100 61 $75 $100 $150 $150 $200 39 –

Insurance carriers and related activities ...... 100 71 – – 150 150 200 29 2 ( )

Professional and business services ..................... 100 75 75 100 150 150 150 25 2 ( )

Professional and technical services ................. 100 75 – 150 150 150 – – –

Administrative and waste services ................... 100 73 – – 150 150 150 27 –

Education and health services ............................. 100 51 75 75 150 150 150 46 3

Educational services ........................................ 100 51 75 150 150 150 150 45 4

Junior colleges, colleges, and universities ... 100 55 75 – 150 150 150 42 3

Health care and social assistance ................... 100 51 75 75 150 150 150 46 3

1 to 99 workers ........................................................ 100 65 75 100 150 150 150 35 1

1 to 49 workers .................................................... 100 68 75 – 150 150 150 31 1

50 to 99 workers .................................................. 100 58 75 100 150 150 150 42 –

100 workers or more ................................................ 100 60 75 100 150 150 150 38 1

100 to 499 workers .............................................. 100 64 75 100 150 150 150 35 1

500 workers or more ............................................ 100 57 75 100 150 150 150 41 2

Geographic area

New England ........................................................... 100 68 75 – 150 150 150 – –

Middle Atlantic ......................................................... 100 59 75 100 150 150 150 36 5

South Atlantic ........................................................... 100 56 75 100 150 150 150 43 1

East South Central ................................................... 100 79 75 100 – 150 150 – –

West South Central .................................................. 100 67 75 100 150 150 150 32 2 ( )

East North Central ................................................... 100 58 75 – 150 150 150 42 2 ( )

West North Central .................................................. 100 61 75 75 150 150 150 – –

Mountain .................................................................. 100 70 75 – 150 150 150 30 2 ( )

Pacific ...................................................................... 100 62 75 100 150 150 150 37 1

1 Amount of deductible excludes separate deductibles for orthodontic procedures. A deductible may

not apply to all covered dental procedures. If separate deductibles apply to different procedures, the

sum of the deductible amounts are tabulated. 2 Less than 0.5. 3 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 56. Standard errors for dental care benefits: Amount of annual family deductible,1

 private industry workers, National

Compensation Survey, 2013

Characteristics

With annual

family

deductible

Amount of annual family deductible

With no

annual family

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 1.7 $0 $0 $0 $0 $0 1.7 0.3

Management, professional, and related .................. 2.8 0 6 0 0 0 2.6 0.6

Management, business, and financial ................. 3.4 0 0 0 0 0 3.4 0.2

Professional and related ...................................... 3.5 0 – 0 0 0 3.3 0.9

Service ..................................................................... 3.9 0 – 0 0 13 4.1 1.0

Protective service ................................................ 11.0 – – 0 0 – – –

Sales and office ....................................................... 2.8 0 0 0 0 0 2.8 0.1

Sales and related ................................................. 3.9 0 0 0 0 0 3.9 –

Office and administrative support ........................ 3.5 0 0 0 0 – 3.5 0.2

Natural resources, construction, and maintenance 4.0 – 0 – 0 0 3.9 0.4

Construction, extraction, farming, fishing, and

forestry ............................................................... 7.9 0 – – 27 – 7.9 –

Installation, maintenance, and repair ................... 5.1 5 6 – 0 0 5.1 0.7

Production, transportation, and material moving ..... 3.4 1 16 – 0 0 3.4 0.7

Production ............................................................ 4.4 9 – 0 0 0 4.5 1.2

Transportation and material moving .................... 5.0 0 5 0 0 0 5.0 0.1

Full time ................................................................... 1.8 0 0 0 0 0 1.8 0.3

Part time .................................................................. 4.6 0 29 9 0 43 4.6 0.1

Union ....................................................................... 3.9 – 18 – 0 – 4.2 1.8

Nonunion ................................................................. 1.9 0 0 0 0 0 1.9 0.2

Average wage within the following categories2:

Lowest 25 percent ............................................... 4.5 0 – 0 0 0 4.5 0.3

Second 25 percent ............................................... 2.7 0 0 0 0 0 2.8 0.3

Third 25 percent ................................................... 2.3 0 19 0 0 0 2.3 0.5

Highest 25 percent ............................................... 2.8 0 0 0 0 0 2.6 0.5

Highest 10 percent ........................................... 4.3 0 0 0 0 0 3.8 1.2

Establishment characteristic

Goods-producing industries ..................................... 3.0 0 0 16 0 0 3.1 0.5

Construction ......................................................... 5.4 11 18 0 0 77 5.4 –

Manufacturing ...................................................... 3.2 0 9 0 0 0 3.4 0.7

Service-providing industries ..................................... 2.0 0 0 0 0 0 2.0 0.3

Trade, transportation, and utilities ....................... 3.0 0 0 0 0 0 3.0 0.1

Wholesale trade ............................................... 3.8 0 0 0 0 0 3.8 –

Retail trade ...................................................... 3.6 0 40 0 0 0 3.6 –

Transportation and warehousing ..................... 7.4 8 22 0 – 7 7.4 0.3

Utilities ............................................................. 8.7 – 0 10 24 0 8.7 0.4

Information ........................................................... 6.8 0 0 27 0 0 6.8 –

Financial activities ................................................ 3.3 0 29 0 0 – 3.3 0.4

Finance and insurance .................................... 3.3 0 7 0 0 – 3.4 0.4

See footnotes at end of table.
Table 56. Standard errors for dental care benefits: Amount of annual family deductible,1

 private industry workers, National

Compensation Survey, 2013—continued

Characteristics

With annual

family

deductible

Amount of annual family deductible

With no

annual family

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 3.6 $0 $21 $0 $0 $58 3.6 –

Insurance carriers and related activities ...... 5.0 – – 0 0 24 5.0 3 ( )

Professional and business services ..................... 4.7 2 14 0 0 0 4.7 3 ( )

Professional and technical services ................. 5.7 – 27 0 0 – – –

Administrative and waste services ................... 5.9 – – 0 0 0 5.9 –

Education and health services ............................. 4.2 0 5 0 0 0 4.2 0.8

Educational services ........................................ 6.5 0 0 0 0 0 6.6 2.1

Junior colleges, colleges, and universities ... 5.3 0 – 0 0 0 5.4 1.8

Health care and social assistance ................... 4.7 0 0 9 0 0 4.7 0.9

1 to 99 workers ........................................................ 3.2 0 15 0 0 0 3.1 0.5

1 to 49 workers .................................................... 3.4 0 – 0 0 0 3.3 0.8

50 to 99 workers .................................................. 7.0 0 18 0 0 0 7.0 –

100 workers or more ................................................ 2.1 0 0 0 0 0 2.2 0.4

100 to 499 workers .............................................. 2.9 0 0 0 0 0 2.9 0.5

500 workers or more ............................................ 3.3 0 10 12 0 9 3.3 0.5

Geographic area

New England ........................................................... 7.7 0 – 13 0 0 – –

Middle Atlantic ......................................................... 4.1 0 0 0 0 9 3.1 1.8

South Atlantic ........................................................... 4.9 0 2 0 0 0 4.9 0.3

East South Central ................................................... 6.4 0 30 – 0 0 – –

West South Central .................................................. 5.4 0 10 0 0 0 5.4 0.1

East North Central ................................................... 3.3 4 – 0 0 25 3.2 0.4

West North Central .................................................. 5.5 0 0 0 0 0 – –

Mountain .................................................................. 3.3 10 – 0 0 0 3.3 0.1

Pacific ...................................................................... 4.5 0 10 0 0 9 4.7 0.7

1 Amount of deductible excludes separate deductibles for orthodontic procedures. A

deductible may not apply to all covered dental procedures. If separate deductibles apply to

different procedures, the sum of the deductible amounts are tabulated. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013." 3 Less than 0.05.

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 57. Dental care benefits: Amount of annual plan maximum,1

 private industry workers, National Compensation Survey, 2013

(All workers participating in dental care plans = 100 percent)

Characteristics Total With annual

maximum

Amount of annual plan maximum

With no

annual

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 100 91 $1,000 $1,200 $1,500 $2,000 $2,000 9 2 ( )

Management, professional, and related .................. 100 92 1,000 1,200 1,500 2,000 2,000 7 2 ( )

Management, business, and financial ................. 100 92 1,000 1,250 1,500 2,000 2,000 8 2 ( )

Professional and related ...................................... 100 93 1,000 1,000 1,500 2,000 2,000 7 2 ( )

Service ..................................................................... 100 84 1,000 1,000 1,500 1,500 2,000 16 2 ( )

Protective service ................................................ 100 96 – 1,500 2,000 2,000 2,500 – –

Sales and office ....................................................... 100 91 1,000 1,200 1,500 2,000 2,500 9 2 ( )

Sales and related ................................................. 100 94 1,000 – 1,500 2,000 2,500 6 –

Office and administrative support ........................ 100 89 1,000 1,200 1,500 2,000 2,000 11 2 ( )

Natural resources, construction, and maintenance 100 92 1,000 1,000 1,500 1,500 2,000 8 2 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 95 – 1,000 1,000 1,500 1,500 – –

Installation, maintenance, and repair ................... 100 89 1,000 1,200 1,500 2,000 2,000 11 2 ( )

Production, transportation, and material moving ..... 100 90 1,000 1,200 1,500 1,500 2,000 9 2 ( )

Production ............................................................ 100 94 1,000 1,200 1,500 1,500 2,000 – –

Transportation and material moving .................... 100 86 1,000 1,100 1,500 1,500 2,000 14 –

Full time ................................................................... 100 91 1,000 1,150 1,500 1,850 2,000 9 2 ( )

Part time .................................................................. 100 84 1,000 – 1,500 2,000 2,000 – –

Union ....................................................................... 100 80 1,000 1,250 1,500 1,850 2,000 19 2 ( )

Nonunion ................................................................. 100 92 1,000 1,000 1,500 2,000 2,000 7 2 ( )

Average wage within the following categories3:

Lowest 25 percent ............................................... 100 90 750 1,000 1,500 1,500 2,000 10 –

Second 25 percent ............................................... 100 86 1,000 1,000 1,500 2,000 2,000 13 2 ( )

Third 25 percent ................................................... 100 94 1,000 1,100 1,500 1,750 2,000 6 2 ( )

Highest 25 percent ............................................... 100 91 1,000 1,250 1,500 2,000 2,000 8 2 ( )

Highest 10 percent ........................................... 100 94 1,000 1,500 1,500 2,000 2,000 6 2 ( )

Establishment characteristic

Goods-producing industries ..................................... 100 97 1,000 1,200 1,500 1,850 2,000 3 2 ( )

Construction ......................................................... 100 92 1,000 1,000 1,100 1,500 2,000 – –

Manufacturing ...................................................... 100 97 1,000 1,200 1,500 1,650 2,000 2 2 ( )

Service-providing industries ..................................... 100 89 1,000 1,000 1,500 2,000 2,000 11 2 ( )

Trade, transportation, and utilities ....................... 100 89 1,000 1,200 1,500 2,000 2,500 11 –

Wholesale trade ............................................... 100 94 1,000 1,000 1,500 1,500 2,000 – –

Retail trade ...................................................... 100 90 1,000 1,500 1,500 2,500 2,500 10 –

Transportation and warehousing ..................... 100 82 1,000 – 1,500 2,000 2,000 – –

Utilities ............................................................. 100 87 – 1,500 1,500 2,000 2,000 – –

Information ........................................................... 100 90 1,000 1,500 1,500 1,500 2,000 – –

Financial activities ................................................ 100 90 1,000 1,200 1,500 2,000 2,000 10 –

Finance and insurance .................................... 100 89 1,000 1,500 1,500 2,000 2,000 11 –

See footnotes at end of table.
Table 57. Dental care benefits: Amount of annual plan maximum,1

 private industry workers, National Compensation Survey,

2013—continued

(All workers participating in dental care plans = 100 percent)

Characteristics Total With annual

maximum

Amount of annual plan maximum

With no

annual

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 100 85 $1,000 $1,500 $1,500 $2,000 – 15 –

Insurance carriers and related activities ...... 100 94 1,000 1,500 1,500 2,000 $2,000 – –

Professional and business services ..................... 100 94 1,000 1,200 1,500 2,000 2,000 – –

Professional and technical services ................. 100 99 1,000 1,200 1,500 2,000 2,000 – –

Administrative and waste services ................... 100 89 1,000 – 1,500 1,500 – – –

Education and health services ............................. 100 89 – 1,000 1,500 1,750 2,000 10 1

Educational services ........................................ 100 81 1,000 1,000 1,500 1,750 2,000 – –

Junior colleges, colleges, and universities ... 100 90 1,000 1,250 1,500 1,750 2,000 9 1

Health care and social assistance ................... 100 90 – 1,000 1,500 – 2,000 – –

1 to 99 workers ........................................................ 100 93 1,000 1,000 1,500 2,000 2,000 7 –

1 to 49 workers .................................................... 100 92 – 1,000 1,500 1,700 2,000 8 –

50 to 99 workers .................................................. 100 94 1,000 1,000 1,500 2,000 2,000 6 –

100 workers or more ................................................ 100 89 1,000 1,200 1,500 2,000 2,000 10 2 ( )

100 to 499 workers .............................................. 100 91 1,000 1,200 1,500 2,000 2,500 9 –

500 workers or more ............................................ 100 88 1,000 1,200 1,500 1,850 2,000 11 1

Geographic area

New England ........................................................... 100 96 1,000 1,000 1,500 2,000 2,000 – –

Middle Atlantic ......................................................... 100 89 1,000 1,200 1,500 2,000 2,000 11 1

South Atlantic ........................................................... 100 92 1,000 1,000 1,500 2,000 2,000 8 1

East South Central ................................................... 100 99 1,000 1,100 1,500 2,000 2,000 – –

West South Central .................................................. 100 91 – 1,000 1,500 1,500 2,000 – –

East North Central ................................................... 100 90 1,000 1,000 1,500 1,500 2,000 – –

West North Central .................................................. 100 96 1,000 1,200 1,500 2,000 2,000 – –

Mountain .................................................................. 100 90 1,000 1,250 1,500 2,000 2,000 10 –

Pacific ...................................................................... 100 85 1,000 1,500 1,500 2,000 2,000 15 2 ( )

1 Includes all covered dental procedures except orthodontia. Coverage for dental procedures may

be subject to scheduled allowance, deductible, or coinsurance provisions, in addition to annual plan

maximum. If separate annual maximums applied to different dental procedures, the sum of the

maximum was tabulated. 2 Less than 0.5. 3 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 57. Standard errors for dental care benefits: Amount of annual plan maximum,1

 private industry workers, National

Compensation Survey, 2013

Characteristics With annual

maximum

Amount of annual plan maximum

With no

annual

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 1.0 $0 $180 $0 $147 $0 1.0 0.1

Management, professional, and related .................. 1.4 0 269 0 79 0 1.4 0.1

Management, business, and financial ................. 1.5 0 257 0 36 0 1.5 0.2

Professional and related ...................................... 1.9 146 103 0 348 0 1.9 0.1

Service ..................................................................... 3.0 245 63 0 303 0 3.0 2 ( )

Protective service ................................................ 2.1 – 102 329 0 390 – –

Sales and office ....................................................... 1.4 0 16 0 0 249 1.3 0.2

Sales and related ................................................. 1.7 0 – 0 0 0 1.7 –

Office and administrative support ........................ 1.7 0 124 0 0 101 1.7 0.2

Natural resources, construction, and maintenance 2.3 0 0 237 46 0 2.3 2 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................... 2.2 – 0 26 129 0 – –

Installation, maintenance, and repair ................... 3.0 0 50 0 0 274 3.0 2 ( )

Production, transportation, and material moving ..... 2.6 0 96 0 0 0 2.6 0.2

Production ............................................................ 3.5 0 50 0 211 0 – –

Transportation and material moving .................... 2.9 0 168 0 0 223 2.9 –

Full time ................................................................... 1.0 0 161 0 216 0 1.0 0.1

Part time .................................................................. 6.2 0 – 86 0 0 – –

Union ....................................................................... 2.8 0 77 0 77 0 2.8 0.3

Nonunion ................................................................. 1.1 0 193 0 140 0 1.1 0.1

Average wage within the following categories3:

Lowest 25 percent ............................................... 2.5 65 36 46 0 0 2.5 –

Second 25 percent ............................................... 2.4 0 0 0 285 597 2.4 0.1

Third 25 percent ................................................... 0.8 0 153 0 290 0 0.8 0.2

Highest 25 percent ............................................... 1.5 0 133 0 0 0 1.5 0.1

Highest 10 percent ........................................... 1.4 0 258 0 0 0 1.4 0.1

Establishment characteristic

Goods-producing industries ..................................... 0.6 0 18 0 320 0 0.6 0.2

Construction ......................................................... 3.1 0 0 216 241 0 – –

Manufacturing ...................................................... 0.5 0 66 0 312 0 0.5 0.2

Service-providing industries ..................................... 1.3 0 193 0 124 0 1.3 0.1

Trade, transportation, and utilities ....................... 2.5 0 200 0 0 0 2.5 –

Wholesale trade ............................................... 2.4 0 52 36 0 0 – –

Retail trade ...................................................... 2.9 0 112 0 258 0 2.9 –

Transportation and warehousing ..................... 6.6 0 – 0 0 547 – –

Utilities ............................................................. 4.7 – 0 0 276 0 – –

Information ........................................................... 3.9 222 0 0 0 254 – –

Financial activities ................................................ 1.4 0 73 0 0 74 1.4 –

Finance and insurance .................................... 1.5 0 285 0 0 312 1.5 –

See footnotes at end of table.
Table 57. Standard errors for dental care benefits: Amount of annual plan maximum,1

 private industry workers, National

Compensation Survey, 2013—continued

Characteristics With annual

maximum

Amount of annual plan maximum

With no

annual

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 2.8 $0 $164 $0 $0 – 2.8 –

Insurance carriers and related activities ...... 2.0 0 410 0 0 $205 – –

Professional and business services ..................... 2.0 0 119 0 234 0 – –

Professional and technical services ................. 0.5 0 80 0 91 0 – –

Administrative and waste services ................... 6.1 0 – 0 0 – – –

Education and health services ............................. 2.7 – 0 241 420 0 2.7 0.4

Educational services ........................................ 5.9 0 190 0 46 0 – –

Junior colleges, colleges, and universities ... 2.0 0 257 0 266 0 1.9 0.2

Health care and social assistance ................... 3.0 – 0 391 – 0 – –

1 to 99 workers ........................................................ 1.2 121 0 0 196 0 1.2 –

1 to 49 workers .................................................... 1.7 – 0 0 272 0 1.7 –

50 to 99 workers .................................................. 1.5 0 146 0 0 0 1.5 –

100 workers or more ................................................ 1.4 0 0 0 265 112 1.4 0.2

100 to 499 workers .............................................. 2.1 0 44 0 379 0 2.1 –

500 workers or more ............................................ 1.6 0 84 0 219 0 1.6 0.3

Geographic area

New England ........................................................... 1.3 0 221 0 0 0 – –

Middle Atlantic ......................................................... 2.3 0 20 0 0 430 2.2 0.6

South Atlantic ........................................................... 1.7 0 0 0 464 144 1.7 0.3

East South Central ................................................... 0.5 0 237 0 518 0 – –

West South Central .................................................. 4.4 – 257 139 151 0 – –

East North Central ................................................... 3.2 0 26 0 231 0 – –

West North Central .................................................. 1.2 0 106 0 302 0 – –

Mountain .................................................................. 1.8 100 342 0 517 274 1.8 –

Pacific ...................................................................... 3.7 0 291 0 136 0 3.7 2 ( )

1 Includes all covered dental procedures except orthodontia. Coverage for dental procedures

may be subject to scheduled allowance, deductible, or coinsurance provisions, in addition to

annual plan maximum. If separate annual maximums applied to different dental procedures, the

sum of the maximum was tabulated. 2 Less than 0.05. 3 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 58. Vision care benefits:1

 Coverage for selected services, private

industry workers, National Compensation Survey, 2013

(All workers participating in vision care plans = 100 percent)

Characteristics Eye exams Glasses Contact

lenses2

Worker characteristic

All workers ............................................................... 100 100 97

Management, professional, and related .................. 100 100 97

Management, business, and financial ................. 100 100 98

Professional and related ...................................... 100 100 97

Service ..................................................................... 100 100 95

Protective service ................................................ 100 100 100

Sales and office ....................................................... 100 100 98

Office and administrative support ........................ 100 100 98

Natural resources, construction, and maintenance 100 100 98

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 100 99

Installation, maintenance, and repair ................... 100 100 97

Production, transportation, and material moving ..... 100 100 96

Production ............................................................ 100 100 96

Full time ................................................................... 100 100 98

Part time .................................................................. 100 100 87

Union ....................................................................... 100 100 95

Nonunion ................................................................. 100 100 98

Average wage within the following categories3:

Second 25 percent ............................................... 100 100 98

Third 25 percent ................................................... 100 100 98

Highest 25 percent ............................................... 100 100 98

Highest 10 percent ........................................... 100 100 97

Establishment characteristic

Goods-producing industries ..................................... 100 100 97

Construction ......................................................... 100 100 99

Manufacturing ...................................................... 100 100 97

Service-providing industries ..................................... 100 100 97

Trade, transportation, and utilities ....................... 100 100 96

Wholesale trade ............................................... 100 100 96

Retail trade ...................................................... 100 100 91

Transportation and warehousing ..................... 100 – –

Utilities ............................................................. 100 100 100

Information ........................................................... 100 100 100

Financial activities ................................................ 100 100 99

Finance and insurance .................................... 100 100 99

See footnotes at end of table.
Table 58. Vision care benefits:1

 Coverage for selected services, private

industry workers, National Compensation Survey, 2013—continued

(All workers participating in vision care plans = 100 percent)

Characteristics Eye exams Glasses Contact

lenses2

Credit intermediation and related activities .. 100 100 99

Insurance carriers and related activities ...... 100 100 98

Professional and business services ..................... 100 100 100

Professional and technical services ................. 100 100 100

Education and health services ............................. 100 100 95

Educational services ........................................ 100 100 82

Junior colleges, colleges, and universities ... 100 100 93

Health care and social assistance ................... 100 100 97

1 to 99 workers ........................................................ 100 100 95

1 to 49 workers .................................................... 100 100 96

50 to 99 workers .................................................. 100 100 95

100 workers or more ................................................ 100 100 98

100 to 499 workers .............................................. 100 100 97

500 workers or more ............................................ 100 100 99

Geographic area

New England ........................................................... 100 100 98

Middle Atlantic ......................................................... 100 100 91

South Atlantic ........................................................... 100 100 96

West South Central .................................................. 100 100 98

East North Central ................................................... 100 100 100

West North Central .................................................. 100 100 96

Mountain .................................................................. 100 100 98

Pacific ...................................................................... 100 100 99

1 Includes plans with employer-provided discount

cards if there is a cost to the employer. 2 Includes plans that provide coverage for

elective purchase of contact lenses; medically

necessary contact lenses (for cataract surgery, for

example) normally are provided under the surgical

portion of a medical plan and are not described in

this table. 3 Surveyed occupations are classified into wage

categories based on the average wage for the

occupation, which may include workers with earnings

both above and below the threshold. The categories

were formed using percentile estimates generated

using data from the National Compensation Survey

publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Dashes indicate that no data were reported or

that data do not meet publication criteria. For

definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms"

at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 58. Standard errors for vision care benefits:1

 Coverage for

selected services, private industry workers, National Compensation

Survey, 2013

Characteristics Eye exams Glasses Contact

lenses2

Worker characteristic

All workers ............................................................... 3 ( ) 3 ( ) 0.6

Management, professional, and related .................. 3 ( ) 3 ( ) 1.1

Management, business, and financial ................. 3 ( ) 3 ( ) 0.9

Professional and related ...................................... 3 ( ) 3 ( ) 1.6

Service ..................................................................... 3 ( ) 3 ( ) 1.9

Protective service ................................................ 3 ( ) 3 ( ) 3 ( )

Sales and office ....................................................... 3 ( ) 3 ( ) 1.0

Office and administrative support ........................ 3 ( ) 3 ( ) 0.7

Natural resources, construction, and maintenance 3 ( ) 3 ( ) 1.1

Construction, extraction, farming, fishing, and

forestry ............................................................... 3 ( ) 3 ( ) 1.2

Installation, maintenance, and repair ................... 3 ( ) 3 ( ) 1.9

Production, transportation, and material moving ..... 3 ( ) 3 ( ) 1.1

Production ............................................................ 3 ( ) 3 ( ) 1.3

Full time ................................................................... 3 ( ) 3 ( ) 0.6

Part time .................................................................. 3 ( ) 3 ( ) 5.4

Union ....................................................................... 3 ( ) 3 ( ) 1.9

Nonunion ................................................................. 3 ( ) 3 ( ) 0.5

Average wage within the following categories4:

Second 25 percent ............................................... 3 ( ) 3 ( ) 1.0

Third 25 percent ................................................... 3 ( ) 3 ( ) 0.6

Highest 25 percent ............................................... 3 ( ) 3 ( ) 1.0

Highest 10 percent ........................................... 3 ( ) 3 ( ) 1.8

Establishment characteristic

Goods-producing industries ..................................... 3 ( ) 3 ( ) 1.0

Construction ......................................................... 3 ( ) 3 ( ) 1.0

Manufacturing ...................................................... 3 ( ) 3 ( ) 1.2

Service-providing industries ..................................... 3 ( ) 3 ( ) 0.7

Trade, transportation, and utilities ....................... 3 ( ) 3 ( ) 1.8

Wholesale trade ............................................... 3 ( ) 3 ( ) 3.2

Retail trade ...................................................... 3 ( ) 3 ( ) 4.8

Transportation and warehousing ..................... 3 ( ) – –

Utilities ............................................................. 3 ( ) 3 ( ) 3 ( )

Information ........................................................... 3 ( ) 3 ( ) 3 ( )

Financial activities ................................................ 3 ( ) 3 ( ) 0.4

Finance and insurance .................................... 3 ( ) 3 ( ) 0.4

See footnotes at end of table.
Table 58. Standard errors for vision care benefits:1

 Coverage for

selected services, private industry workers, National Compensation

Survey, 2013—continued

Characteristics Eye exams Glasses Contact

lenses2

Credit intermediation and related activities .. 3 ( ) 3 ( ) 0.6

Insurance carriers and related activities ...... 3 ( ) 3 ( ) 1.1

Professional and business services ..................... 3 ( ) 3 ( ) 0.1

Professional and technical services ................. 3 ( ) 3 ( ) 3 ( )

Education and health services ............................. 3 ( ) 3 ( ) 2.0

Educational services ........................................ 3 ( ) 3 ( ) 7.2

Junior colleges, colleges, and universities ... 3 ( ) 3 ( ) 1.7

Health care and social assistance ................... 3 ( ) 3 ( ) 2.1

1 to 99 workers ........................................................ 3 ( ) 3 ( ) 1.3

1 to 49 workers .................................................... 3 ( ) 3 ( ) 1.5

50 to 99 workers .................................................. 3 ( ) 3 ( ) 2.6

100 workers or more ................................................ 3 ( ) 3 ( ) 0.6

100 to 499 workers .............................................. 3 ( ) 3 ( ) 1.2

500 workers or more ............................................ 3 ( ) 3 ( ) 0.1

Geographic area

New England ........................................................... 3 ( ) 3 ( ) 1.5

Middle Atlantic ......................................................... 3 ( ) 3 ( ) 2.2

South Atlantic ........................................................... 3 ( ) 3 ( ) 2.3

West South Central .................................................. 3 ( ) 3 ( ) 0.3

East North Central ................................................... 3 ( ) 3 ( ) 3 ( )

West North Central .................................................. 3 ( ) 3 ( ) 2.2

Mountain .................................................................. 3 ( ) 3 ( ) 2.3

Pacific ...................................................................... 3 ( ) 3 ( ) 0.9

1 Includes plans with employer-provided discount

cards if there is a cost to the employer. 2 Includes plans that provide coverage for

elective purchase of contact lenses; medically

necessary contact lenses (for cataract surgery, for

example) normally are provided under the surgical

portion of a medical plan and are not described in

this table. 3 Less than 0.05. 4 Surveyed occupations are classified into wage

categories based on the average wage for the

occupation, which may include workers with earnings

both above and below the threshold. The categories

were formed using percentile estimates generated

using data from the National Compensation Survey

publication, "Employer Costs for Employee

Compensation - March 2013."

Note: Dashes indicate that no data were reported or

that data do not meet publication criteria. For

definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms"

at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 59. Vision care benefits:1

 Extent of coverage for selected services, private industry workers, National

Compensation Survey, 2013

(All workers participating in vision care plans = 100 percent)

Characteristics

Eye exams Glasses

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 12 88 – 4 ( ) 7 93 – –

Management, professional, and related .................. 15 85 – 4 ( ) – 92 – –

Management, business, and financial ................. 7 93 – – – 95 – –

Professional and related ...................................... 20 80 – 4 ( ) – 90 – –

Service ..................................................................... – 89 – – 21 79 – –

Protective service ................................................ – 95 – – – 100 – –

Sales and office ....................................................... 9 91 – – – 95 – –

Office and administrative support ........................ 10 90 – – – 95 – –

Natural resources, construction, and maintenance 13 87 – 4 ( ) – 95 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 90 – 4 ( ) – 98 – –

Installation, maintenance, and repair ................... – 85 – 4 ( ) – 92 – –

Production, transportation, and material moving ..... 10 90 – 4 ( ) 3 97 – –

Production ............................................................ – 90 – 4 ( ) – 99 – –

Full time ................................................................... 12 88 – 4 ( ) 7 93 – –

Part time .................................................................. – 83 – – – 85 – –

Union ....................................................................... 16 84 – 4 ( ) 12 88 – –

Nonunion ................................................................. 11 89 – 4 ( ) 6 94 – –

Average wage within the following categories5:

Second 25 percent ............................................... 13 87 – – – 90 – –

Third 25 percent ................................................... 11 89 – 4 ( ) 5 95 – –

Highest 25 percent ............................................... 13 87 – 4 ( ) – 94 – –

Highest 10 percent ........................................... 15 85 – 4 ( ) – 93 – –

Establishment characteristic

Goods-producing industries ..................................... 7 93 – – – 98 – –

Construction ......................................................... – – – – – – – –

Manufacturing ...................................................... – 93 – – – 97 – –

Service-providing industries ..................................... 13 87 – 4 ( ) 9 91 – –

Trade, transportation, and utilities ....................... – – – – – 95 – –

Wholesale trade ............................................... – 93 – – – 98 – –

Retail trade ...................................................... – 89 – – – 90 – –

Transportation and warehousing ..................... – 92 – – – – – –

Utilities ............................................................. – 74 – 4 ( ) – 85 – –

Information ........................................................... – 90 – – – 91 – –

Financial activities ................................................ 16 84 – – 6 94 – –

Finance and insurance .................................... 14 86 – – – 94 – –

See footnotes at end of table.
Table 59. Vision care benefits:1

 Extent of coverage for selected services,

private industry workers, National Compensation Survey, 2013—continued

(All workers participating in vision care plans = 100 percent)

Characteristics

Contact lenses3

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 2 95 2 1

Management, professional, and related .................. – 95 – 1

Management, business, and financial ................. – 94 – 4 ( )

Professional and related ...................................... – 96 – 1

Service ..................................................................... – 91 – 2

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

Sales and office ....................................................... – 97 – 4 ( )

Office and administrative support ........................ – 97 – 1

Natural resources, construction, and maintenance – 96 – 1

Construction, extraction, farming, fishing, and

forestry ............................................................... – 99 – –

Installation, maintenance, and repair ................... – 94 – 2

Production, transportation, and material moving ..... – 95 3 –

Production ............................................................ – 96 – 1

Full time ................................................................... 2 96 2 1

Part time .................................................................. – 87 – 2

Union ....................................................................... – 92 – –

Nonunion ................................................................. – 96 1 –

Average wage within the following categories5:

Second 25 percent ............................................... – 97 – 1

Third 25 percent ................................................... – 96 – 1

Highest 25 percent ............................................... 2 95 – –

Highest 10 percent ........................................... – 95 – 4 ( )

Establishment characteristic

Goods-producing industries ..................................... – 95 – 1

Construction ......................................................... – 97 – –

Manufacturing ...................................................... – 95 – 1

Service-providing industries ..................................... – 95 2 –

Trade, transportation, and utilities ....................... – 95 – –

Wholesale trade ............................................... – 96 – –

Retail trade ...................................................... – 91 – –

Transportation and warehousing ..................... – – – –

Utilities ............................................................. – 95 – –

Information ........................................................... – 100 – –

Financial activities ................................................ – 97 – 4 ( )

Finance and insurance .................................... – 96 – 4 ( )

See footnotes at end of table.
Table 59. Vision care benefits:1

 Extent of coverage for selected services, private industry workers, National

Compensation Survey, 2013—continued

(All workers participating in vision care plans = 100 percent)

Characteristics

Eye exams Glasses

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Credit intermediation and related activities .. – 95 – – – 99 – –

Insurance carriers and related activities ...... 7 93 – – – 96 – –

Professional and business services ..................... – 87 – – – 100 – –

Professional and technical services ................. – 80 – – – 100 – –

Education and health services ............................. 19 81 – – – 84 – –

Educational services ........................................ – 85 – – – 95 – –

Junior colleges, colleges, and universities ... – 84 – – – 94 – –

Health care and social assistance ................... 19 81 – – – 82 – –

1 to 99 workers ........................................................ 11 89 – – 9 91 – –

1 to 49 workers .................................................... 11 89 – – – 88 – –

50 to 99 workers .................................................. – 89 – – – 96 – –

100 workers or more ................................................ 13 87 – 4 ( ) 6 94 – –

100 to 499 workers .............................................. – 86 – 4 ( ) – 93 – –

500 workers or more ............................................ 11 89 – – – 94 – –

Geographic area

New England ........................................................... – 82 – – – 82 – –

Middle Atlantic ......................................................... – 78 – – 18 82 – –

South Atlantic ........................................................... – 90 – – – 97 – –

West South Central .................................................. – 88 – – – 99 – –

East North Central ................................................... 15 85 – – – 93 – –

West North Central .................................................. – 94 – – – 92 – –

Mountain .................................................................. – 95 – – – 99 – –

Pacific ...................................................................... – 92 – 4 ( ) – 93 – –

See footnotes at end of table.
Table 59. Vision care benefits:1

 Extent of coverage for selected services,

private industry workers, National Compensation Survey, 2013—continued

(All workers participating in vision care plans = 100 percent)

Characteristics

Contact lenses3

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Credit intermediation and related activities .. – 99 – 4 ( )

Insurance carriers and related activities ...... – 98 – 1

Professional and business services ..................... – 100 – 4 ( )

Professional and technical services ................. – 100 – –

Education and health services ............................. – 91 – 3

Educational services ........................................ – 79 – 17

Junior colleges, colleges, and universities ... – 89 – 6

Health care and social assistance ................... – 92 – 1

1 to 99 workers ........................................................ – 94 – 2

1 to 49 workers .................................................... – 95 – 2

50 to 99 workers .................................................. – 92 – 1

100 workers or more ................................................ – 96 – 4 ( )

100 to 499 workers .............................................. – 95 – 4 ( )

500 workers or more ............................................ – 97 – 4 ( )

Geographic area

New England ........................................................... – 98 – 4 ( )

Middle Atlantic ......................................................... – 86 – 3

South Atlantic ........................................................... – 95 – 4 ( )

West South Central .................................................. – 98 – 4 ( )

East North Central ................................................... – 99 – –

West North Central .................................................. – 96 – 4 ( )

Mountain .................................................................. – 98 – –

Pacific ...................................................................... – 96 – 1

1 Includes plans with employer-provided discount cards

if there is a cost to the employer. 2 Includes plans subject to copayment, cash allowance,

and retail discount. 3 Includes plans that provide coverage for elective

purchase of contact lenses; medically necessary contact

lenses (for cataract surgery, for example) normally are

provided under the surgical portion of a medical plan and

are not described in this table. 4 Less than 0.5. 5 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the

National Compensation Survey publication, "Employer

Costs for Employee Compensation - March 2013."

Note: Because of rounding, sums of individual items may

not equal totals. Dashes indicate that no data were

reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related

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

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 59. Standard errors for vision care benefits:1

 Extent of coverage for selected services, private industry workers,

National Compensation Survey, 2013

Characteristics

Eye exams Glasses

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 2.0 2.0 – 4 ( ) 1.5 1.5 – –

Management, professional, and related .................. 3.3 3.3 – 4 ( ) – 2.9 – –

Management, business, and financial ................. 1.5 1.5 – – – 2.2 – –

Professional and related ...................................... 4.8 4.8 – 4 ( ) – 4.0 – –

Service ..................................................................... – 3.8 – – 5.1 5.1 – –

Protective service ................................................ – 3.3 – – – 0.5 – –

Sales and office ....................................................... 2.3 2.3 – – – 1.5 – –

Office and administrative support ........................ 2.7 2.7 – – – 1.8 – –

Natural resources, construction, and maintenance 3.7 3.7 – 4 ( ) – 2.4 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 5.8 – 4 ( ) – 1.7 – –

Installation, maintenance, and repair ................... – 4.5 – 4 ( ) – 3.2 – –

Production, transportation, and material moving ..... 2.7 2.7 – 4 ( ) 0.9 0.9 – –

Production ............................................................ – 2.9 – 4 ( ) – 0.7 – –

Full time ................................................................... 2.0 2.0 – 4 ( ) 1.5 1.5 – –

Part time .................................................................. – 6.4 – – – 6.4 – –

Union ....................................................................... 3.9 3.9 – 4 ( ) 3.5 3.5 – –

Nonunion ................................................................. 2.1 2.1 – 4 ( ) 1.8 1.8 – –

Average wage within the following categories5:

Second 25 percent ............................................... 3.1 3.1 – – – 3.4 – –

Third 25 percent ................................................... 2.9 2.9 – 4 ( ) 1.1 1.1 – –

Highest 25 percent ............................................... 2.6 2.6 – 4 ( ) – 2.0 – –

Highest 10 percent ........................................... 3.7 3.7 – 4 ( ) – 3.5 – –

Establishment characteristic

Goods-producing industries ..................................... 1.8 1.8 – – – 1.4 – –

Construction ......................................................... – – – – – – – –

Manufacturing ...................................................... – 2.1 – – – 1.8 – –

Service-providing industries ..................................... 2.5 2.5 – 4 ( ) 1.9 1.9 – –

Trade, transportation, and utilities ....................... – – – – – 1.8 – –

Wholesale trade ............................................... – 3.4 – – – 1.1 – –

Retail trade ...................................................... – 4.9 – – – 5.0 – –

Transportation and warehousing ..................... – 5.7 – – – – – –

Utilities ............................................................. – 12.0 – 4 ( ) – 8.0 – –

Information ........................................................... – 6.3 – – – 6.3 – –

Financial activities ................................................ 4.3 4.3 – – 0.9 0.9 – –

Finance and insurance .................................... 3.4 3.4 – – – 1.2 – –

See footnotes at end of table.
Table 59. Standard errors for vision care benefits:1

 Extent of coverage for

selected services, private industry workers, National Compensation Survey,

2013—continued

Characteristics

Contact lenses3

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Worker characteristic

All workers ............................................................... 0.5 1.0 0.5 0.3

Management, professional, and related .................. – 1.6 – 0.4

Management, business, and financial ................. – 2.4 – 0.1

Professional and related ...................................... – 2.1 – 0.7

Service ..................................................................... – 2.6 – 1.2

Protective service ................................................ – 0.5 – –

Sales and office ....................................................... – 1.1 – 0.3

Office and administrative support ........................ – 1.1 – 0.5

Natural resources, construction, and maintenance – 1.4 – 1.0

Construction, extraction, farming, fishing, and

forestry ............................................................... – 1.2 – –

Installation, maintenance, and repair ................... – 2.3 – 1.7

Production, transportation, and material moving ..... – 1.2 1.0 –

Production ............................................................ – 1.3 – 0.9

Full time ................................................................... 0.5 1.0 0.5 0.3

Part time .................................................................. – 5.4 – 2.0

Union ....................................................................... – 3.0 – –

Nonunion ................................................................. – 0.9 0.4 –

Average wage within the following categories5:

Second 25 percent ............................................... – 1.1 – 0.4

Third 25 percent ................................................... – 1.1 – 0.3

Highest 25 percent ............................................... 0.7 1.4 – –

Highest 10 percent ........................................... – 1.9 – 0.1

Establishment characteristic

Goods-producing industries ..................................... – 2.2 – 0.7

Construction ......................................................... – 1.8 – –

Manufacturing ...................................................... – 2.8 – 0.9

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

Trade, transportation, and utilities ....................... – 1.8 – –

Wholesale trade ............................................... – 3.2 – –

Retail trade ...................................................... – 4.8 – –

Transportation and warehousing ..................... – – – –

Utilities ............................................................. – 3.7 – –

Information ........................................................... – 4 () – –

Financial activities ................................................ – 0.6 – 0.1

Finance and insurance .................................... – 0.8 – 0.2

See footnotes at end of table.
Table 59. Standard errors for vision care benefits:1

 Extent of coverage for selected services, private industry workers,

National Compensation Survey, 2013—continued

Characteristics

Eye exams Glasses

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Credit intermediation and related activities .. – 2.6 – – – 0.9 – –

Insurance carriers and related activities ...... 1.8 1.8 – – – 1.0 – –

Professional and business services ..................... – 7.2 – – – 0.2 – –

Professional and technical services ................. – 12.1 – – – 4 () – –

Education and health services ............................. 5.0 5.0 – – – 5.9 – –

Educational services ........................................ – 7.4 – – – 2.4 – –

Junior colleges, colleges, and universities ... – 9.2 – – – 3.6 – –

Health care and social assistance ................... 5.7 5.7 – – – 6.8 – –

1 to 99 workers ........................................................ 2.6 2.6 – – 2.6 2.6 – –

1 to 49 workers .................................................... 3.2 3.2 – – – 4.0 – –

50 to 99 workers .................................................. – 4.7 – – – 2.7 – –

100 workers or more ................................................ 2.3 2.3 – 4 ( ) 1.9 1.9 – –

100 to 499 workers .............................................. – 4.4 – 4 ( ) – 3.1 – –

500 workers or more ............................................ 2.3 2.3 – – – 1.8 – –

Geographic area

New England ........................................................... – 10.5 – – – 10.5 – –

Middle Atlantic ......................................................... – 7.1 – – 5.0 5.0 – –

South Atlantic ........................................................... – 7.2 – – – 2.1 – –

West South Central .................................................. – 4.4 – – – 0.8 – –

East North Central ................................................... 4.4 4.4 – – – 5.8 – –

West North Central .................................................. – 3.1 – – – 4.1 – –

Mountain .................................................................. – 2.9 – – – 0.5 – –

Pacific ...................................................................... – 2.5 – 4 ( ) – 2.8 – –

See footnotes at end of table.
Table 59. Standard errors for vision care benefits:1

 Extent of coverage for

selected services, private industry workers, National Compensation Survey,

2013—continued

Characteristics

Contact lenses3

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Credit intermediation and related activities .. – 0.6 – 0.2

Insurance carriers and related activities ...... – 1.1 – 0.5

Professional and business services ..................... – 0.3 – 0.1

Professional and technical services ................. – 4 () – –

Education and health services ............................. – 3.7 – 1.3

Educational services ........................................ – 6.9 – 7.8

Junior colleges, colleges, and universities ... – 3.4 – 1.6

Health care and social assistance ................... – 4.2 – 0.5

1 to 99 workers ........................................................ – 1.8 – 0.7

1 to 49 workers .................................................... – 1.6 – 1.0

50 to 99 workers .................................................. – 3.5 – 1.1

100 workers or more ................................................ – 0.9 – 4 ( )

100 to 499 workers .............................................. – 1.4 – 4 ( )

500 workers or more ............................................ – 0.9 – 0.1

Geographic area

New England ........................................................... – 1.7 – 0.3

Middle Atlantic ......................................................... – 3.8 – 1.4

South Atlantic ........................................................... – 2.3 – 4 ( )

West South Central .................................................. – 0.3 – 0.1

East North Central ................................................... – 0.8 – –

West North Central .................................................. – 2.2 – 4 ( )

Mountain .................................................................. – 2.3 – –

Pacific ...................................................................... – 2.3 – 0.9

1 Includes plans with employer-provided discount cards

if there is a cost to the employer. 2 Includes plans subject to copayment, cash allowance,

and retail discount. 3 Includes plans that provide coverage for elective

purchase of contact lenses; medically necessary contact

lenses (for cataract surgery, for example) normally are

provided under the surgical portion of a medical plan and

are not described in this table. 4 Less than 0.05. 5 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the

National Compensation Survey publication, "Employer

Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that

data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 60. Vision care benefits:1

 Median copayments for selected services,

private industry workers, National Compensation Survey, 2013

(Includes all workers participating in vision care plans)

Characteristics Eye exams Glasses Contact lenses2

Worker characteristic

All workers ............................................................... $10 $25 $25

Management, professional, and related .................. 10 25 25

Management, business, and financial ................. 10 25 25

Professional and related ...................................... 10 25 25

Service ..................................................................... 20 25 –

Protective service ................................................ 10 – 20

Sales and office ....................................................... 10 20 25

Office and administrative support ........................ – 20 25

Natural resources, construction, and maintenance – 20 20

Construction, extraction, farming, fishing, and

forestry ............................................................... 10 – 20

Installation, maintenance, and repair ................... – 25 20

Production, transportation, and material moving ..... 10 25 –

Production ............................................................ 10 20 20

Full time ................................................................... 10 25 25

Part time .................................................................. – 25 25

Union ....................................................................... 20 25 20

Nonunion ................................................................. 10 25 25

Average wage within the following categories3:

Second 25 percent ............................................... – 20 25

Third 25 percent ................................................... 10 25 25

Highest 25 percent ............................................... 10 20 25

Highest 10 percent ........................................... 10 – 25

Establishment characteristic

Goods-producing industries ..................................... – 25 25

Manufacturing ...................................................... – 25 25

Service-providing industries ..................................... 10 – 25

Trade, transportation, and utilities ....................... – 20 20

Wholesale trade ............................................... – 20 25

Retail trade ...................................................... – 20 20

Transportation and warehousing ..................... 10 – –

Utilities ............................................................. 10 – –

Information ........................................................... 15 25 –

Financial activities ................................................ 10 – 25

Finance and insurance .................................... 10 – 25

See footnotes at end of table.
Table 60. Vision care benefits:1

 Median copayments for selected services,

private industry workers, National Compensation Survey, 2013—continued

(Includes all workers participating in vision care plans)

Characteristics Eye exams Glasses Contact lenses2

Credit intermediation and related activities .. – $15 $25

Insurance carriers and related activities ...... $10 20 25

Professional and technical services ................. 10 – –

Education and health services ............................. 10 – 20

Educational services ........................................ – 25 25

Junior colleges, colleges, and universities ... – 25 25

Health care and social assistance ................... 10 – 20

1 to 99 workers ........................................................ 10 20 25

1 to 49 workers .................................................... 10 20 25

50 to 99 workers .................................................. – – 20

100 workers or more ................................................ 10 25 25

100 to 499 workers .............................................. 10 20 25

500 workers or more ............................................ – 25 25

Geographic area

New England ........................................................... – – 20

Middle Atlantic ......................................................... 20 25 25

South Atlantic ........................................................... 10 – 25

West South Central .................................................. 10 25 –

East North Central ................................................... – 20 20

West North Central .................................................. – 25 25

Mountain .................................................................. 10 25 25

Pacific ...................................................................... – 25 20

1 Includes plans with employer-provided discount

cards if there is a cost to the employer. 2 Includes plans that provide coverage for elective

purchase of contact lenses; medically necessary contact

lenses (for cataract surgery, for example) normally are

provided under the surgical portion of a medical plan and

are not described in this table. 3 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the

National Compensation Survey publication, "Employer

Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that

data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 60. Standard errors for vision care benefits:1

 Median copayments for

selected services, private industry workers, National Compensation Survey,

2013

Characteristics Eye exams Glasses Contact lenses2

Worker characteristic

All workers ............................................................... $1 $7 $0

Management, professional, and related .................. 1 1 1

Management, business, and financial ................. 1 4 4

Professional and related ...................................... 2 1 0

Service ..................................................................... 4 1 –

Protective service ................................................ 0 – 5

Sales and office ....................................................... 2 2 0

Office and administrative support ........................ – 5 0

Natural resources, construction, and maintenance – 0 0

Construction, extraction, farming, fishing, and

forestry ............................................................... 2 – 3

Installation, maintenance, and repair ................... – 4 0

Production, transportation, and material moving ..... 0 1 –

Production ............................................................ 2 4 1

Full time ................................................................... 1 7 0

Part time .................................................................. – 7 0

Union ....................................................................... 4 6 4

Nonunion ................................................................. 0 7 0

Average wage within the following categories3:

Second 25 percent ............................................... – 5 3

Third 25 percent ................................................... 3 5 1

Highest 25 percent ............................................... 0 6 6

Highest 10 percent ........................................... 0 – 5

Establishment characteristic

Goods-producing industries ..................................... – 6 3

Manufacturing ...................................................... – 4 3

Service-providing industries ..................................... 0 – 0

Trade, transportation, and utilities ....................... – 6 4

Wholesale trade ............................................... – 4 5

Retail trade ...................................................... – 2 0

Transportation and warehousing ..................... 0 – –

Utilities ............................................................. 0 – –

Information ........................................................... 0 0 –

Financial activities ................................................ 2 – 0

Finance and insurance .................................... 0 – 0

See footnotes at end of table.
Table 60. Standard errors for vision care benefits:1

 Median copayments for

selected services, private industry workers, National Compensation Survey,

2013—continued

Characteristics Eye exams Glasses Contact lenses2

Credit intermediation and related activities .. – $2 $0

Insurance carriers and related activities ...... $2 6 4

Professional and technical services ................. 1 – –

Education and health services ............................. 0 – 6

Educational services ........................................ – 0 7

Junior colleges, colleges, and universities ... – 3 7

Health care and social assistance ................... 0 – 6

1 to 99 workers ........................................................ 3 0 2

1 to 49 workers .................................................... 3 0 0

50 to 99 workers .................................................. – – 6

100 workers or more ................................................ 2 0 1

100 to 499 workers .............................................. 3 5 5

500 workers or more ............................................ – 0 0

Geographic area

New England ........................................................... – – 3

Middle Atlantic ......................................................... 2 5 0

South Atlantic ........................................................... 0 – 4

West South Central .................................................. 1 1 –

East North Central ................................................... – 2 0

West North Central .................................................. – 0 2

Mountain .................................................................. 0 0 0

Pacific ...................................................................... – 7 4

1 Includes plans with employer-provided discount

cards if there is a cost to the employer. 2 Includes plans that provide coverage for elective

purchase of contact lenses; medically necessary contact

lenses (for cataract surgery, for example) normally are

provided under the surgical portion of a medical plan and

are not described in this table. 3 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the

National Compensation Survey publication, "Employer

Costs for Employee Compensation - March 2013."

Note: Dashes indicate that no data were reported or that

data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20132014.htm.
Technical Note 

Data in this bulletin are from the National Compensation Survey (NCS), conducted by the U.S. Department of 

Labor, Bureau of Labor Statistics (BLS). The bulletin contains 2013 data on detailed provisions of employerprovided health and retirement benefit plans offered to private industry workers in the United States. Excluded 

are federal government workers, the military, state and local government workers, agricultural workers, private 

household workers, and the self-employed. Previous publications containing information on employee benefits 

for private industry and state and local government workers are available on the BLS website 

at http://www.bls.gov/ncs/ebs. 

Survey scope and method 

For information on the survey scope, sample design, data collection, survey estimation, reliability of estimates, 

technical references, and survey definitions are available in Chapter 8 of the BLS Handbook of 

Methods, www.bls.gov/opub/hom/pdf/homch8.pdf. Definitions of major plans, key provisions, and related 

benefit terms used by the National Compensation Survey are provided in the Glossary of Employee Benefit 

Terms, available online at www.bls.gov/ncs/ebs/glossary20132014.htm. For information on survey 

establishment response and on the number of workers represented by the survey, see Appendix tables 1 and 2, 

respectively. 

Calculation details 

For data presented by wage category, average hourly earnings from sampled occupations within an 

establishment were used to produce estimates for worker groups within six earnings categories: the lowest 10 

percent, the lowest 25 percent, the second 25 percent, the third 25 percent, the highest 25 percent, and the 

highest 10 percent. The categories are based on March 2013 wages and salaries from the Employer Costs for 

Employee Compensation. 

The percentiles were computed using earnings reported for individual workers in sampled establishment jobs 

and their scheduled hours of work. Establishments in the survey are asked to report only individual worker 

earnings for each sample job. For the calculation of the hourly percentile values, the individual worker hourly 

earnings are weighted and arrayed from lowest to highest. The values corresponding to the percentiles are as 

follows: 

Characteristic 

Hourly wage percentile 

10 25 50 (median) 75 90 

Private industry workers $8.50 $11.00 $16.59 $26.18 $40.44 

The lowest 10-percent and 25-percent wage categories include those occupations with an average hourly wage 

less than the 10th percentile and 25th percentile value, respectively. The second 25-percent category includes 

those occupations that earn at or above the 25th percentile value but less than the 50th percentile value. The 

third 25-percent category includes those occupations that earn at or above the 50th percentile value but less than 

the 75th percentile value. Finally, the highest 25- and 10-percent wage categories include those occupations 

with an average wage value greater than or equal to the 75th and 90th percentile value, respectively. 
(Note: Individual workers can fall into an earnings category different from the average for the occupation into 

which they are classified because average hourly earnings for the occupation are used to produce the benefit 

estimates.) 

Not determinable estimates 

Some tables in this bulletin contain columns with estimates classified as "not determinable." Situations that 

result in this classification can vary. In detailed provisions of employer-provided health care plans, the "not 

determinable" classification is used whenever no information on a particular plan feature is available from the 

Summary Plan Description (SPD). The SPD is used as a primary source of information on the provisions of a 

health benefit plan. For example, in table 1, workers are classified as participating in four types of fee-forservice plans. Workers that were known to participate in a fee-for-service plan, but the plan type was either not 

specified or was specified but did not fit into any of the four categories used in the table, were classified into the 

"not determinable" category. 

Another situation in which the "not determinable" classification may be used is when workers participate in 

plans in which a provision is known to exist, but no information on the specific details of this provision is 

available from the SPD. For example, in one of the tables, all workers participate in fee-for-service plans. The 

majority of the workers included in this table participated in plans that specified a deductible, but a small 

percentage of workers participated in plans in which the deductible was mentioned but not described. These 

workers were classified into the "not determinable" category. 

Interpreting the tables 

All estimates shown in the table are based on the set of workers specified underneath the table title and on any 

subsets indicated by column headers. For example, the statement may indicate that “All workers participating in 

medical care plans = 100 percent,” or “Includes all workers participating in savings and thrift plans that specify 

matching contributions.” 

Most of the estimates in this bulletin are expressed in terms of the percentage of workers participating in a 

particular benefit plan or the percentage covered by a specific provision. Some estimates, however, provide 

values other than percentages of workers, such as the median age requirement for eligibility to participate in a 

defined benefit retirement plan; dollar averages, medians, and percentiles for various benefit provisions; and the 

specified matching percent (by percentile) an employer will contribute to an employees’ savings and thrift 

retirement plan. The non-shaded estimates indicate percentages of workers. Shaded estimates measure values 

other than the percent of workers. 

Appendix table 1: Survey establishment response 

Appendix table 2: Number of workers represented
Appendix table 1. Survey establishment response, private

industry, National Compensation Survey, 2013

Establishments Number of

establishments

Total in sampling frame1 ........................................................ 5,922,854

 Total in sample .................................................................... 3,352

 Responding2 ...................................................................... 2,509

 Refused3 ............................................................................ 609

 Out of business or not in survey scope .............................. 234

1 The list of establishments from which

the survey sample was selected (sampling

frame) was developed from State

unemployment insurance reports and is

based on the 2012 North American

Industry Classification System (NAICS).

For private industries, an establishment is

usually a single physical location. 2 Establishments that provided data at

the initial interview.

3 Establishments that did not provide

data at the initial interview. Data for

establishments not responding at the time

of update interviews are imputed. Detailed

information on nonresponse adjustment

and imputation can be found in BLS

Handbook of Methods, Chapter 8, “National

Compensation Measures,” Bureau of Labor

Statistics, on the Internet at

www.bls.gov/opub/hom/pdf/homch8.pdf.
Appendix table 2. Number of workers represented, private

industry, National Compensation Survey, 2013

Occupational group1 Estimated number

of workers2

All workers ............................................................................. 107,157,500

Management, professional, and related ............................ 28,963,000

Management, business, and financial ........................... 9,631,800

Professional and related ................................................ 19,331,200

Service ............................................................................... 22,309,000

Protective service .......................................................... 1,304,700

Sales and office ................................................................. 30,661,700

Sales and related ........................................................... 12,111,800

Office and administrative support .................................. 18,549,900

Natural resources, construction, and maintenance ........... 7,890,500

Construction, extraction, farming, fishing, and forestry .. 3,885,100

Installation, maintenance, and repair ............................. 4,005,400

Production, transportation, and material moving ............... 17,333,300

Production ...................................................................... 8,608,500

Transportation and material moving .............................. 8,724,800

1 The 2010 Standard Occupational

Classification system is used to classify

workers. 2 The number of workers represented

by the survey are rounded to the nearest

100. Estimates of the number of workers

provide a description of the size and

composition of the labor force included in

the survey. Estimates are not intended,

however, for comparison to other statistical

series to measure employment trends or

levels.