Annual Bulletin on Benefit Plan Details 

National Compensation Survey: Health Plan Provisions in 

Private Industry in the United States, 2011 

U.S. Department of Labor 

Hilda L. Solis, Secretary 

U.S. Bureau of Labor Statistics 

John M. Galvin, Acting Commissioner 

December 2012 

Bulletin 2775 

Contents 

Overview 

Basic Provisions Tables 

 Medical care benefits 

 Fee-for-service plans 

 Health maintenance organizations

 High deductible health plans

 Outpatient prescription drug benefits

Additional Provisions Tables 

 Medical care benefits

 Fee-for-service plans

 Health maintenance organizations

 Selected benefits by type of plan

 Mentalhealthcare and substance abuse treatment benefits

 Dental care benefits

 Vision care benefits

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 plans in private industry in 2011. Under the NCS program, information on the 

incidence and provision of benefits is published in stages. A bulletin provided NCS data for civilian, state and 

local government, and private industry workers, on the incidence of (access to and participation in) selected 

benefits and detailed provisions of paid holidays, life insurance plans, and some other benefit plans, as well as 

on employer and employee shares of contributions to medical care premiums and their average amounts was 

published in September 2012. 

The bulletin of detailed benefit provisions this year includes health tables for private industry. 

Health tables for state and local government were published in March 2012. 

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

(202) 691–6199 or send email (NCSinco@bls.gov). 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.
Basic Provisions Tables 

Types of Benefits: 

 Medical care benefits 

 Fee-for-service plans 

 Health maintenance organizations

 High deductible health plans

 Outpatient prescription drug benefits
Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics Total

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service plan

Exclusive

provider

organization

Not

determinable

All workers ............................................................... 100 79 3 60 10 7 –

Worker characteristic

Management, professional, and related .................. 100 76 2 52 13 8 –

Management, business, and financial ................. – 78 3 57 10 9 –

Professional and related ...................................... 100 75 2 49 16 8 –

Service ..................................................................... 100 70 – 54 8 8 –

Protective service ................................................ 100 – – 58 – – –

Sales and office ....................................................... 100 81 4 60 10 7 –

Sales and related ................................................. 100 85 – 70 6 – –

Office and administrative support ........................ 100 78 – 55 12 7 –

Natural resources, construction, and maintenance 100 86 – 76 4 5 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 86 – 76 3 – –

Installation, maintenance, and repair ................... 100 87 – 75 4 6 –

Production, transportation, and material moving ..... 100 84 – 68 6 5 –

Production ............................................................ 100 83 – 69 – – –

Transportation and material moving .................... 100 85 – 68 – – –

Full time ................................................................... 100 79 3 60 10 7 –

Part time .................................................................. 100 83 – 63 7 – –

Union ....................................................................... 100 75 – 62 6 4 –

Nonunion ................................................................. 100 80 3 60 10 7 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 80 – 65 5 – –

Lowest 10 percent ........................................... 100 – – 60 – – –

Second 25 percent ............................................... 100 79 2 59 11 7 –

Third 25 percent ................................................... 100 79 3 61 9 6 –

Highest 25 percent ............................................... 100 79 3 58 10 8 –

Highest 10 percent ........................................... 100 81 2 57 12 9 –

Establishment characteristic

Goods-producing industries ..................................... 100 82 – 71 – 5 –

Construction ......................................................... – 84 – 77 – – –

Manufacturing ...................................................... 100 83 – 71 – 5 –

Service-providing industries ..................................... 100 78 3 57 11 7 –

Trade, transportation, and utilities ....................... 100 84 – 74 4 – –

Wholesale trade ............................................... 100 76 – 68 – – –

Retail trade ...................................................... 100 86 – 80 – – –

Utilities ............................................................. 100 76 – 69 – – –

Information ........................................................... – 76 – 55 – 12 –

Financial activities ................................................ 100 84 – 51 18 13 –

Finance and insurance .................................... 100 84 3 53 16 13 –

See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National

Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

All workers ............................................................... 21 17 4 –

Worker characteristic

Management, professional, and related .................. 24 18 6 –

Management, business, and financial ................. 22 18 4 –

Professional and related ...................................... 25 18 – –

Service ..................................................................... 30 26 – –

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

Sales and office ....................................................... 19 16 4 –

Sales and related ................................................. 15 13 – –

Office and administrative support ........................ 22 18 4 –

Natural resources, construction, and maintenance 14 12 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 14 12 – –

Installation, maintenance, and repair ................... 13 12 – –

Production, transportation, and material moving ..... 16 13 3 –

Production ............................................................ 17 12 – –

Transportation and material moving .................... 15 13 – –

Full time ................................................................... 21 17 4 –

Part time .................................................................. 17 15 – –

Union ....................................................................... 25 23 1 –

Nonunion ................................................................. 20 15 5 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 20 18 – –

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

Second 25 percent ............................................... 21 17 – –

Third 25 percent ................................................... 21 17 4 –

Highest 25 percent ............................................... 21 16 5 –

Highest 10 percent ........................................... 19 15 4 –

Establishment characteristic

Goods-producing industries ..................................... 18 14 3 –

Construction ......................................................... 16 15 – –

Manufacturing ...................................................... 17 14 – –

Service-providing industries ..................................... 22 17 4 –

Trade, transportation, and utilities ....................... 16 14 3 –

Wholesale trade ............................................... 24 20 – –

Retail trade ...................................................... 14 12 – –

Utilities ............................................................. 24 17 – –

Information ........................................................... 24 – – –

Financial activities ................................................ 16 13 – –

Finance and insurance .................................... 16 12 – –

See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey,

2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics Total

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service plan

Exclusive

provider

organization

Not

determinable

Credit intermediation and related activities .. 100 86 – 49 21 14 –

Insurance carriers and related activities ...... – 81 4 63 6 – –

Professional and business services ..................... 100 77 – 56 – 10 –

Professional and technical services ................. 100 77 – 58 – – –

Education and health services ............................. 100 72 – 36 27 – –

Educational services ........................................ – 60 – 46 9 – –

Junior colleges, colleges, and universities ... 100 71 – 52 13 – –

Healthcare and social assistance .................... 100 75 – 34 31 – –

Leisure and hospitality ......................................... 100 – – 69 – – –

1 to 99 workers ........................................................ 100 77 2 61 8 6 –

1 to 49 workers .................................................... 100 75 2 60 8 6 –

50 to 99 workers .................................................. 100 80 – 63 10 – –

100 workers or more ................................................ 100 81 4 59 11 8 –

100 to 499 workers .............................................. 100 83 – 66 6 7 –

500 workers or more ............................................ 100 80 3 51 16 9 –

Geographic area

New England ........................................................... – 72 – 52 4 10 –

Middle Atlantic ......................................................... 100 78 – 50 15 10 –

East North Central ................................................... 100 82 – 68 7 – –

West North Central .................................................. 100 89 2 70 12 5 –

South Atlantic ........................................................... 100 84 4 63 12 – –

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

West South Central .................................................. 100 88 – 68 10 – –

Mountain .................................................................. 100 84 – 63 – 8 –

Pacific ...................................................................... 100 58 – 43 7 5 –

See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National

Compensation Survey, 2011—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 .. 14 10 3 –

Insurance carriers and related activities ...... 19 15 – –

Professional and business services ..................... 23 17 – –

Professional and technical services ................. 23 15 – –

Education and health services ............................. 28 22 – –

Educational services ........................................ 40 34 5 –

Junior colleges, colleges, and universities ... 29 21 8 –

Healthcare and social assistance .................... 25 19 – –

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

1 to 99 workers ........................................................ 23 18 5 –

1 to 49 workers .................................................... 25 18 7 –

50 to 99 workers .................................................. 20 17 – –

100 workers or more ................................................ 19 15 3 –

100 to 499 workers .............................................. 17 15 – –

500 workers or more ............................................ 20 16 4 –

Geographic area

New England ........................................................... 28 19 – –

Middle Atlantic ......................................................... 22 15 7 –

East North Central ................................................... 18 17 – –

West North Central .................................................. 11 – – –

South Atlantic ........................................................... 16 11 – –

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

West South Central .................................................. 12 – – –

Mountain .................................................................. 16 11 – –

Pacific ...................................................................... 42 39 – –

1 The categories are based on the average wage for

each occupation surveyed, which may include workers

with earnings both above and below the threshold. The

average wages are based on the estimates published in

the "National Compensation Survey: Occupational

Earnings in the United States, 2010." See Technical Note

for more details.

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/glossary20112012.htm.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National

Compensation Survey, 2011

Characteristics

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service plan

Exclusive

provider

organization

Not

determinable

All workers ............................................................... 1.4 0.5 1.5 0.9 0.8 –

Worker characteristic

Management, professional, and related .................. 2.4 0.6 2.7 1.6 1.6 –

Management, business, and financial ................. 2.9 0.8 3.5 1.5 1.9 –

Professional and related ...................................... 2.9 0.6 3.4 2.4 2.1 –

Service ..................................................................... 4.5 – 4.5 1.2 2.0 –

Protective service ................................................ – – 14.8 – – –

Sales and office ....................................................... 1.6 1.0 2.2 1.7 1.1 –

Sales and related ................................................. 2.0 – 3.1 1.5 – –

Office and administrative support ........................ 2.1 – 2.5 2.3 1.0 –

Natural resources, construction, and maintenance 2.1 – 2.4 0.8 1.0 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 3.0 – 4.3 0.8 – –

Installation, maintenance, and repair ................... 2.8 – 2.9 1.2 1.5 –

Production, transportation, and material moving ..... 1.9 – 2.7 1.9 1.3 –

Production ............................................................ 2.4 – 3.2 – – –

Transportation and material moving .................... 2.2 – 3.9 – – –

Full time ................................................................... 1.5 0.4 1.6 1.0 0.8 –

Part time .................................................................. 2.4 – 4.0 1.1 – –

Union ....................................................................... 3.8 – 3.6 1.3 1.1 –

Nonunion ................................................................. 1.5 0.6 1.6 1.1 0.9 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 3.2 – 3.3 1.3 – –

Lowest 10 percent ........................................... – – 8.3 – – –

Second 25 percent ............................................... 2.7 0.5 2.3 1.7 1.4 –

Third 25 percent ................................................... 1.8 0.6 2.3 1.1 0.9 –

Highest 25 percent ............................................... 1.8 0.7 2.2 1.3 1.1 –

Highest 10 percent ........................................... 1.8 0.6 2.7 2.3 1.6 –

Establishment characteristic

Goods-producing industries ..................................... 2.0 – 2.3 – 0.9 –

Construction ......................................................... 2.5 – 4.8 – – –

Manufacturing ...................................................... 2.5 – 3.3 – 1.1 –

Service-providing industries ..................................... 1.6 0.6 1.7 1.1 1.0 –

Trade, transportation, and utilities ....................... 2.0 – 2.2 0.9 – –

Wholesale trade ............................................... 4.9 – 5.2 – – –

Retail trade ...................................................... 2.2 – 2.6 – – –

Utilities ............................................................. 6.2 – 6.7 – – –

Information ........................................................... 6.1 – 5.6 – 3.5 –

Financial activities ................................................ 2.0 – 2.8 2.4 2.2 –

Finance and insurance .................................... 2.1 0.7 2.6 2.2 2.1 –

See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry

workers, National Compensation Survey, 2011—Continued

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

All workers ............................................................... 1.4 1.3 0.7 –

Worker characteristic

Management, professional, and related .................. 2.4 2.0 1.6 –

Management, business, and financial ................. 2.9 2.6 1.1 –

Professional and related ...................................... 2.9 2.0 – –

Service ..................................................................... 4.5 4.5 – –

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

Sales and office ....................................................... 1.6 1.6 0.7 –

Sales and related ................................................. 2.0 1.8 – –

Office and administrative support ........................ 2.1 2.0 0.7 –

Natural resources, construction, and maintenance 2.1 2.1 – –

Construction, extraction, farming, fishing, and

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

Installation, maintenance, and repair ................... 2.8 2.8 – –

Production, transportation, and material moving ..... 1.9 1.8 0.9 –

Production ............................................................ 2.4 2.1 – –

Transportation and material moving .................... 2.2 2.1 – –

Full time ................................................................... 1.5 1.4 0.7 –

Part time .................................................................. 2.4 2.3 – –

Union ....................................................................... 3.8 3.9 0.4 –

Nonunion ................................................................. 1.5 1.4 0.8 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 3.2 3.0 – –

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

Second 25 percent ............................................... 2.7 2.3 – –

Third 25 percent ................................................... 1.8 1.7 0.6 –

Highest 25 percent ............................................... 1.8 1.6 0.8 –

Highest 10 percent ........................................... 1.8 1.6 1.0 –

Establishment characteristic

Goods-producing industries ..................................... 2.0 1.9 1.0 –

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

Manufacturing ...................................................... 2.5 2.5 – –

Service-providing industries ..................................... 1.6 1.4 0.8 –

Trade, transportation, and utilities ....................... 2.0 1.9 0.6 –

Wholesale trade ............................................... 4.9 4.5 – –

Retail trade ...................................................... 2.2 2.0 – –

Utilities ............................................................. 6.2 4.8 – –

Information ........................................................... 6.1 – – –

Financial activities ................................................ 2.0 1.8 – –

Finance and insurance .................................... 2.1 1.7 – –

See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National

Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service plan

Exclusive

provider

organization

Not

determinable

Credit intermediation and related activities .. 2.2 – 4.1 3.4 2.2 –

Insurance carriers and related activities ...... 4.3 1.2 4.6 1.8 – –

Professional and business services ..................... 4.9 – 5.8 – 2.5 –

Professional and technical services ................. 5.9 – 7.3 – – –

Education and health services ............................. 4.0 – 3.3 3.2 – –

Educational services ........................................ 6.1 – 6.1 2.6 – –

Junior colleges, colleges, and universities ... 3.0 – 4.0 1.9 – –

Healthcare and social assistance .................... 4.6 – 4.0 3.7 – –

Leisure and hospitality ......................................... – – 7.8 – – –

1 to 99 workers ........................................................ 2.1 0.4 2.0 1.3 0.9 –

1 to 49 workers .................................................... 2.7 0.5 2.5 1.6 1.0 –

50 to 99 workers .................................................. 3.5 – 3.9 2.8 – –

100 workers or more ................................................ 1.7 0.9 1.9 1.2 1.2 –

100 to 499 workers .............................................. 2.2 – 2.6 1.3 1.9 –

500 workers or more ............................................ 2.0 0.8 2.6 2.1 1.5 –

Geographic area

New England ........................................................... 4.7 – 4.8 0.6 2.1 –

Middle Atlantic ......................................................... 3.2 – 3.8 4.0 1.8 –

East North Central ................................................... 2.7 – 3.1 1.9 – –

West North Central .................................................. 2.4 0.5 3.5 3.0 1.2 –

South Atlantic ........................................................... 3.1 0.9 2.4 2.4 – –

East South Central ................................................... – – 6.2 – – –

West South Central .................................................. 3.6 – 3.4 2.8 – –

Mountain .................................................................. 3.3 – 5.3 – 2.0 –

Pacific ...................................................................... 5.2 – 5.4 1.1 1.2 –

See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry

workers, National Compensation Survey, 2011—Continued

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Credit intermediation and related activities .. 2.2 1.7 1.0 –

Insurance carriers and related activities ...... 4.3 3.5 – –

Professional and business services ..................... 4.9 4.7 – –

Professional and technical services ................. 5.9 4.1 – –

Education and health services ............................. 4.0 3.3 – –

Educational services ........................................ 6.1 5.6 1.4 –

Junior colleges, colleges, and universities ... 3.0 2.6 1.4 –

Healthcare and social assistance .................... 4.6 3.7 – –

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

1 to 99 workers ........................................................ 2.1 1.7 1.3 –

1 to 49 workers .................................................... 2.7 2.1 1.9 –

50 to 99 workers .................................................. 3.5 3.3 – –

100 workers or more ................................................ 1.7 1.6 0.5 –

100 to 499 workers .............................................. 2.2 2.1 – –

500 workers or more ............................................ 2.0 2.0 0.6 –

Geographic area

New England ........................................................... 4.7 2.1 – –

Middle Atlantic ......................................................... 3.2 2.8 1.0 –

East North Central ................................................... 2.7 2.6 – –

West North Central .................................................. 2.4 – – –

South Atlantic ........................................................... 3.1 1.9 – –

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

West South Central .................................................. 3.6 – – –

Mountain .................................................................. 3.3 2.2 – –

Pacific ...................................................................... 5.2 5.3 – –

1 The categories are based on the average wage for

each occupation surveyed, which may include workers

with earnings both above and below the threshold. The

average wages are based on the estimates published in

the "National Compensation Survey: Occupational

Earnings in the United States, 2010." See Technical Note

for more details.

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/glossary20112012.htm.
Table 2. Medical care benefits: Plan characteristics, private industry workers, National Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

Plan network Allow non-emergency services outside

network Require primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

All workers ............................................................... 97 3 – 74 26 – 34 66 1 ( )

Worker characteristic

Management, professional, and related .................. 98 2 – 72 28 – 42 58 1 ( )

Management, business, and financial ................. 97 3 – 71 29 – 37 63 –

Professional and related ...................................... 98 2 – 72 28 – 46 54 1 ( )

Service ..................................................................... 99 – – 65 35 – 42 58 –

Protective service ................................................ 100 – – 76 – – – 61 –

Sales and office ....................................................... 96 4 – 74 26 – 32 68 1 ( )

Sales and related ................................................. 97 – – 79 21 – 22 78 –

Office and administrative support ........................ 96 – – 71 29 – 37 63 1 ( )

Natural resources, construction, and maintenance 98 – – 81 19 – 20 80 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 96 – – 81 19 – 20 80 –

Installation, maintenance, and repair ................... 99 – – 81 19 – 21 79 –

Production, transportation, and material moving ..... 96 – – 78 22 – 27 73 1 ( )

Production ............................................................ 96 – – 80 20 – 26 74 1 ( )

Transportation and material moving .................... 96 – – 77 23 – 27 73 –

Full time ................................................................... 97 3 – 74 26 – 35 65 1 ( )

Part time .................................................................. 92 – – 72 28 – 27 73 –

Union ....................................................................... 96 – – 69 31 – 33 67 –

Nonunion ................................................................. 97 3 – 75 25 – 34 66 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 95 – – 72 28 – 29 71 –

Lowest 10 percent ........................................... 91 – – 62 38 – 29 71 –

Second 25 percent ............................................... 98 2 – 75 25 – 36 64 1 ( )

Third 25 percent ................................................... 97 3 – 74 26 – 34 66 1 ( )

Highest 25 percent ............................................... 97 3 – 73 27 – 35 65 –

Highest 10 percent ........................................... 98 2 – 74 26 – 36 64 –

Establishment characteristic

Goods-producing industries ..................................... 98 – – 79 21 – 25 75 1 ( )

Construction ......................................................... 99 – – 78 22 – 22 78 –

Manufacturing ...................................................... 98 – – 80 20 – 26 74 1 ( )

Service-providing industries ..................................... 97 3 – 72 28 – 37 63 –

Trade, transportation, and utilities ....................... 97 – – 80 20 – 21 79 –

Wholesale trade ............................................... 100 – – 77 23 – 27 73 –

Retail trade ...................................................... 97 – – 85 15 – 17 83 –

Utilities ............................................................. 96 – – 78 22 – 24 76 –

Information ........................................................... 98 – – 68 32 – 36 64 –

Financial activities ................................................ 97 – – 71 29 – 44 56 –

Finance and insurance .................................... 97 3 – 72 28 – 42 58 –

See footnotes at end of table.
Table 2. Medical care benefits: Plan characteristics, private industry workers, National Compensation Survey,

2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Plan network Allow non-emergency services outside

network Require primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Credit intermediation and related activities .. 97 – – 73 27 – 47 53 –

Insurance carriers and related activities ...... 96 4 – 74 26 – 28 72 –

Professional and business services ..................... 93 – – 66 34 – 30 70 –

Professional and technical services ................. 93 – – 72 28 – 29 71 –

Education and health services ............................. 99 – – 70 30 – 61 39 –

Educational services ........................................ 97 – – 60 40 – 52 48 –

Junior colleges, colleges, and universities ... 98 – – 73 27 – 45 55 –

Healthcare and social assistance .................... 100 – – 72 28 – 63 37 –

Leisure and hospitality ......................................... 100 – – 75 – – 26 74 –

1 to 99 workers ........................................................ 98 2 – 75 25 – 34 66 –

1 to 49 workers .................................................... 98 2 – 74 26 – 35 65 –

50 to 99 workers .................................................. 98 – – 75 25 – 32 68 –

100 workers or more ................................................ 96 4 – 73 27 – 34 66 1 ( )

100 to 499 workers .............................................. 96 – – 74 26 – 28 72 1 ( )

500 workers or more ............................................ 97 3 – 72 28 – 41 59 –

Geographic area

New England ........................................................... 93 – – 65 35 – 38 62 –

Middle Atlantic ......................................................... 97 – – 72 28 – 41 59 –

East North Central ................................................... 99 – – 75 25 – 29 71 1 ( )

West North Central .................................................. 98 2 – 84 16 – 27 73 1 ( )

South Atlantic ........................................................... 96 4 – 80 20 – 31 69 –

East South Central ................................................... 99 – – 83 17 – 22 78 –

West South Central .................................................. 97 – – 83 17 – 27 73 –

Mountain .................................................................. 94 – – 75 25 – 26 74 –

Pacific ...................................................................... 98 – – 54 46 – 52 48 –

1 Less than 0.5. 2 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are based

on the estimates published in the "National Compensation Survey: Occupational Earnings in the

United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 2. Standard errors for medical care benefits: Plan characteristics, private industry workers, National Compensation

Survey, 2011

Characteristics

Plan network Allow non-emergency services outside

network Require primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

All workers ............................................................... 0.5 0.5 – 1.4 1.4 – 1.5 1.5 1 ( )

Worker characteristic

Management, professional, and related .................. 0.6 0.6 – 2.4 2.4 – 2.7 2.7 1 ( )

Management, business, and financial ................. 0.8 0.8 – 3.2 3.2 – 3.5 3.5 –

Professional and related ...................................... 0.6 0.6 – 2.7 2.7 – 3.5 3.5 1 ( )

Service ..................................................................... 0.4 – – 4.3 4.3 – 4.6 4.6 –

Protective service ................................................ 0.2 – – 12.5 – – – 14.9 –

Sales and office ....................................................... 1.0 1.0 – 1.8 1.8 – 2.4 2.4 0.1

Sales and related ................................................. 1.0 – – 2.5 2.5 – 3.0 3.0 –

Office and administrative support ........................ 1.4 – – 2.1 2.1 – 2.9 2.9 0.1

Natural resources, construction, and maintenance 1.0 – – 2.4 2.4 – 2.3 2.3 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 2.3 – – 4.1 4.1 – 4.0 4.0 –

Installation, maintenance, and repair ................... 0.5 – – 2.8 2.8 – 2.7 2.7 –

Production, transportation, and material moving ..... 1.4 – – 2.5 2.5 – 2.5 2.5 1 ( )

Production ............................................................ 1.7 – – 2.8 2.8 – 3.1 3.1 1 ( )

Transportation and material moving .................... 2.4 – – 3.6 3.6 – 3.4 3.4 –

Full time ................................................................... 0.4 0.4 – 1.5 1.5 – 1.6 1.6 1 ( )

Part time .................................................................. 4.0 – – 4.3 4.3 – 3.2 3.2 –

Union ....................................................................... 1.4 – – 3.7 3.7 – 4.0 4.0 –

Nonunion ................................................................. 0.6 0.6 – 1.5 1.5 – 1.7 1.7 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 2.1 – – 3.5 3.5 – 3.3 3.3 –

Lowest 10 percent ........................................... 5.1 – – 8.3 8.3 – 8.2 8.2 –

Second 25 percent ............................................... 0.5 0.5 – 2.7 2.7 – 2.4 2.4 0.1

Third 25 percent ................................................... 0.6 0.6 – 2.0 2.0 – 2.1 2.1 1 ( )

Highest 25 percent ............................................... 0.7 0.7 – 1.9 1.9 – 2.3 2.3 –

Highest 10 percent ........................................... 0.6 0.6 – 2.1 2.1 – 2.9 2.9 –

Establishment characteristic

Goods-producing industries ..................................... 0.9 – – 1.9 1.9 – 2.3 2.3 0.1

Construction ......................................................... 0.7 – – 4.4 4.4 – 4.7 4.7 –

Manufacturing ...................................................... 0.6 – – 2.8 2.8 – 3.2 3.2 0.1

Service-providing industries ..................................... 0.6 0.6 – 1.7 1.7 – 1.7 1.7 –

Trade, transportation, and utilities ....................... 1.0 – – 1.9 1.9 – 2.3 2.3 –

Wholesale trade ............................................... 0.3 – – 4.6 4.6 – 4.8 4.8 –

Retail trade ...................................................... 1.0 – – 2.1 2.1 – 2.5 2.5 –

Utilities ............................................................. 3.3 – – 5.4 5.4 – 5.9 5.9 –

Information ........................................................... 1.5 – – 6.0 6.0 – 6.1 6.1 –

Financial activities ................................................ 1.2 – – 2.6 2.6 – 2.8 2.8 –

Finance and insurance .................................... 0.7 0.7 – 1.8 1.8 – 2.8 2.8 –

See footnotes at end of table.
Table 2. Standard errors for medical care benefits: Plan characteristics, private industry workers, National Compensation

Survey, 2011—Continued

Characteristics

Plan network Allow non-emergency services outside

network Require primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Credit intermediation and related activities .. 0.9 – – 2.4 2.4 – 4.6 4.6 –

Insurance carriers and related activities ...... 1.2 1.2 – 3.7 3.7 – 4.7 4.7 –

Professional and business services ..................... 2.4 – – 4.7 4.7 – 5.7 5.7 –

Professional and technical services ................. 2.7 – – 4.6 4.6 – 6.4 6.4 –

Education and health services ............................. 0.4 – – 3.9 3.9 – 3.4 3.4 –

Educational services ........................................ 1.7 – – 6.0 6.0 – 5.9 5.9 –

Junior colleges, colleges, and universities ... 1.1 – – 2.8 2.8 – 3.8 3.8 –

Healthcare and social assistance .................... 0.2 – – 4.5 4.5 – 4.0 4.0 –

Leisure and hospitality ......................................... 1 ( ) – – 7.5 – – 7.2 7.2 –

1 to 99 workers ........................................................ 0.4 0.4 – 1.8 1.8 – 2.1 2.1 –

1 to 49 workers .................................................... 0.5 0.5 – 2.0 2.0 – 2.6 2.6 –

50 to 99 workers .................................................. 1.0 – – 3.7 3.7 – 4.1 4.1 –

100 workers or more ................................................ 0.9 0.9 – 1.9 1.9 – 2.0 2.0 1 ( )

100 to 499 workers .............................................. 1.4 – – 2.9 2.9 – 2.5 2.5 0.1

500 workers or more ............................................ 0.8 0.8 – 2.4 2.4 – 2.9 2.9 –

Geographic area

New England ........................................................... 4.3 – – 5.1 5.1 – 4.6 4.6 –

Middle Atlantic ......................................................... 1.1 – – 2.6 2.6 – 4.6 4.6 –

East North Central ................................................... 0.4 – – 3.5 3.5 – 3.3 3.3 0.1

West North Central .................................................. 0.5 0.5 – 4.0 4.0 – 3.9 3.8 0.1

South Atlantic ........................................................... 0.9 0.9 – 2.4 2.4 – 2.3 2.3 –

East South Central ................................................... 0.8 – – 4.7 4.7 – 6.2 6.2 –

West South Central .................................................. 2.0 – – 2.4 2.4 – 3.9 3.9 –

Mountain .................................................................. 4.0 – – 4.9 4.9 – 4.4 4.4 –

Pacific ...................................................................... 0.8 – – 5.7 5.7 – 5.4 5.4 –

1 Less than 0.05. 2 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are based

on the estimates published in the "National Compensation Survey: Occupational Earnings in the

United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 3. Medical care benefits: Amount of lifetime maximum, private industry workers, National Compensation Survey,

2011

(All workers participating in medical care plans = 100 percent)

Characteristics Total

With

lifetime

maximum

Amount of lifetime maximum

Unlimited

maximum Other

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 100 31 $1,000,000 $1,000,000 $2,000,000 $5,000,000 $5,000,000 63 – –

Worker characteristic

Management, professional, and related .................. 100 27 1,000,000 2,000,000 2,000,000 5,000,000 5,000,000 69 – –

Management, business, and financial ................. – 26 1,000,000 2,000,000 2,000,000 5,000,000 5,000,000 70 – –

Professional and related ...................................... 100 27 1,000,000 – – 5,000,000 5,000,000 69 – –

Service ..................................................................... 100 32 – 1,000,000 – – 5,000,000 62 – 6

Protective service ................................................ 100 – – – – – – 71 – 1 ( )

Sales and office ....................................................... 100 29 1,000,000 – 2,000,000 5,000,000 5,000,000 64 – –

Sales and related ................................................. 100 29 – – 2,000,000 5,000,000 5,000,000 64 – –

Office and administrative support ........................ 100 29 1,000,000 – 2,000,000 5,000,000 5,000,000 64 – –

Natural resources, construction, and maintenance 100 38 1,000,000 – – 5,000,000 5,000,000 55 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 40 1,000,000 1,000,000 2,000,000 – 5,000,000 50 – –

Installation, maintenance, and repair ................... 100 36 1,000,000 – 5,000,000 5,000,000 5,000,000 58 – 6

Production, transportation, and material moving ..... 100 37 1,000,000 1,000,000 2,000,000 5,000,000 5,000,000 55 – –

Production ............................................................ 100 38 1,000,000 1,000,000 – 5,000,000 5,000,000 52 – 10

Transportation and material moving .................... 100 37 – 1,000,000 2,000,000 – 5,000,000 59 – –

Full time ................................................................... 100 31 1,000,000 – 2,000,000 5,000,000 5,000,000 63 – –

Part time .................................................................. 100 32 400,000 – – 2,000,000 – 60 – –

Union ....................................................................... 100 34 – 1,000,000 1,000,000 2,000,000 5,000,000 59 – –

Nonunion ................................................................. 100 30 1,000,000 – 2,000,000 5,000,000 5,000,000 64 – –

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 36 – 1,000,000 2,000,000 5,000,000 5,000,000 55 – –

Lowest 10 percent ........................................... 100 31 400,000 1,000,000 1,000,000 2,000,000 2,000,000 54 – 16

Second 25 percent ............................................... 100 29 1,000,000 – 2,000,000 5,000,000 5,000,000 63 – –

Third 25 percent ................................................... 100 33 1,000,000 1,000,000 2,000,000 5,000,000 5,000,000 61 – –

Highest 25 percent ............................................... 100 28 1,000,000 – 2,000,000 5,000,000 5,000,000 67 – –

Highest 10 percent ........................................... 100 23 1,000,000 2,000,000 – 5,000,000 5,000,000 73 – –

Establishment characteristic

Goods-producing industries ..................................... 100 37 1,000,000 1,000,000 2,000,000 5,000,000 5,000,000 55 – –

Construction ......................................................... – 39 1,000,000 1,000,000 2,000,000 – 5,000,000 51 – –

Manufacturing ...................................................... 100 36 1,000,000 – – 5,000,000 5,000,000 57 – 7

Service-providing industries ..................................... 100 29 1,000,000 1,000,000 2,000,000 5,000,000 5,000,000 65 – –

Trade, transportation, and utilities ....................... 100 35 – 1,000,000 2,000,000 5,000,000 5,000,000 59 – –

Wholesale trade ............................................... 100 46 1,000,000 – 5,000,000 5,000,000 5,000,000 53 – 1

Retail trade ...................................................... 100 32 400,000 1,000,000 2,000,000 – 5,000,000 60 – –

Utilities ............................................................. 100 25 2,000,000 2,000,000 2,000,000 2,000,000 2,000,000 67 – 8

Information ........................................................... – – – – – – – 80 – 6

Financial activities ................................................ 100 24 1,000,000 – – 5,000,000 5,000,000 68 – –

Finance and insurance .................................... 100 20 2,000,000 2,000,000 – 5,000,000 5,000,000 70 – –

See footnotes at end of table.
Table 3. Medical care benefits: Amount of lifetime maximum, private industry workers, National Compensation Survey,

2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics Total

With

lifetime

maximum

Amount of lifetime maximum

Unlimited

maximum Other

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 100 17 $2,000,000 $2,000,000 $5,000,000 $5,000,000 $5,000,000 71 – 12

Insurance carriers and related activities ...... – 27 2,000,000 2,000,000 2,000,000 – 5,000,000 69 – –

Professional and business services ..................... 100 28 1,000,000 – – 5,000,000 5,000,000 68 – –

Professional and technical services ................. 100 35 – 2,000,000 – 5,000,000 5,000,000 62 – 3

Education and health services ............................. 100 26 1,000,000 – 2,000,000 5,000,000 5,000,000 68 – –

Educational services ........................................ – 22 1,000,000 – 2,000,000 – 5,000,000 77 – 1

Junior colleges, colleges, and universities ... 100 24 1,000,000 – 2,000,000 – 5,000,000 74 – 1

Healthcare and social assistance .................... 100 27 1,000,000 – 2,000,000 5,000,000 5,000,000 66 – –

Leisure and hospitality ......................................... 100 34 – 1,000,000 – – 5,000,000 58 – 8

1 to 99 workers ........................................................ 100 31 1,000,000 – – 5,000,000 5,000,000 63 – –

1 to 49 workers .................................................... 100 33 1,000,000 2,000,000 – 5,000,000 5,000,000 60 – –

50 to 99 workers .................................................. 100 26 1,000,000 – 2,000,000 5,000,000 5,000,000 68 – –

100 workers or more ................................................ 100 31 1,000,000 1,000,000 2,000,000 5,000,000 5,000,000 63 – –

100 to 499 workers .............................................. 100 35 – 1,000,000 2,000,000 5,000,000 5,000,000 58 – –

500 workers or more ............................................ 100 26 1,000,000 1,000,000 2,000,000 – 5,000,000 70 – –

Geographic area

New England ........................................................... – 19 2,000,000 2,000,000 2,000,000 2,500,000 – 73 – 7

Middle Atlantic ......................................................... 100 19 – 1,000,000 – – 5,000,000 79 – 2

East North Central ................................................... 100 39 1,000,000 2,000,000 – 5,000,000 5,000,000 56 – –

West North Central .................................................. 100 28 1,000,000 2,000,000 – 5,000,000 5,000,000 65 – –

South Atlantic ........................................................... 100 32 1,000,000 1,000,000 2,000,000 – 5,000,000 65 – –

East South Central ................................................... 100 44 1,000,000 – 2,000,000 – 5,000,000 51 – –

West South Central .................................................. 100 39 1,000,000 – – 5,000,000 5,000,000 47 – –

Mountain .................................................................. 100 34 – 1,000,000 2,000,000 – 5,000,000 57 – –

Pacific ...................................................................... 100 26 1,000,000 – 2,000,000 5,000,000 5,000,000 66 – –

1 Less than 0.5. 2 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average wages

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

Earnings in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 3. Standard errors for medical care benefits: Amount of lifetime maximum, private industry workers, National

Compensation Survey, 2011

Characteristics

With

lifetime

maximum

Amount of lifetime maximum

Unlimited

maximum Other

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 1.3 $0 $0 $0 $0 $0 1.5 – –

Worker characteristic

Management, professional, and related .................. 2.2 0 0 138,744 0 0 2.3 – –

Management, business, and financial ................. 2.7 98,107 0 0 0 0 2.6 – –

Professional and related ...................................... 2.6 0 – – 0 0 2.9 – –

Service ..................................................................... 4.3 – 0 – – 0 4.1 – 1.9

Protective service ................................................ – – – – – – 16.4 – 0.5

Sales and office ....................................................... 2.3 0 – 0 0 0 2.9 – –

Sales and related ................................................. 3.1 – – 480,625 0 0 3.8 – –

Office and administrative support ........................ 2.9 0 – 0 0 0 3.3 – –

Natural resources, construction, and maintenance 4.5 0 – – 0 0 4.6 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 6.6 0 0 0 – 0 6.7 – –

Installation, maintenance, and repair ................... 6.1 0 – 1,038,268 0 0 6.0 – 2.3

Production, transportation, and material moving ..... 3.0 254,890 0 0 0 0 3.0 – –

Production ............................................................ 3.6 235,253 224,792 – 0 0 3.7 – 2.9

Transportation and material moving .................... 4.5 – 0 277,489 – 0 4.5 – –

Full time ................................................................... 1.4 0 – 0 0 0 1.5 – –

Part time .................................................................. 4.4 0 – – 0 – 4.3 – –

Union ....................................................................... 3.8 – 98,107 240,312 98,107 679,706 3.8 – –

Nonunion ................................................................. 1.5 0 – 98,107 0 0 1.7 – –

Average wage within the following categories:1

Lowest 25 percent ............................................... 4.1 – 0 0 1,139,901 0 4.6 – –

Lowest 10 percent ........................................... 7.4 118,137 138,744 0 196,214 0 7.1 – 5.5

Second 25 percent ............................................... 2.1 0 – 0 0 0 2.2 – –

Third 25 percent ................................................... 2.2 0 69,372 0 0 0 2.0 – –

Highest 25 percent ............................................... 1.7 0 – 98,107 0 0 1.8 – –

Highest 10 percent ........................................... 2.4 0 0 – 0 0 2.4 – –

Establishment characteristic

Goods-producing industries ..................................... 3.4 49,054 0 0 0 0 3.4 – –

Construction ......................................................... 5.8 69,372 196,214 0 – 0 5.8 – –

Manufacturing ...................................................... 4.1 183,542 – – 0 0 4.0 – 2.0

Service-providing industries ..................................... 1.6 0 259,567 0 0 0 1.8 – –

Trade, transportation, and utilities ....................... 2.8 – 0 0 0 0 2.6 – –

Wholesale trade ............................................... 6.2 0 – 0 0 0 6.1 – 1.3

Retail trade ...................................................... 3.7 19,621 219,374 219,374 – 0 3.7 – –

Utilities ............................................................. 6.6 379,967 0 0 0 0 6.7 – 4.9

Information ........................................................... – – – – – – 5.2 – 2.4

Financial activities ................................................ 4.0 0 – – 0 0 4.1 – –

Finance and insurance .................................... 2.7 0 0 – 0 0 3.2 – –

See footnotes at end of table.
Table 3. Standard errors for medical care benefits: Amount of lifetime maximum, private industry workers, National

Compensation Survey, 2011—Continued

Characteristics

With

lifetime

maximum

Amount of lifetime maximum

Unlimited

maximum Other

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 2.7 $0 $392,428 $0 $0 $0 3.7 – 3.2

Insurance carriers and related activities ...... 5.3 0 0 196,214 – 0 5.5 – –

Professional and business services ..................... 4.1 0 – – 0 0 4.9 – –

Professional and technical services ................. 5.6 – 325,384 – 0 0 5.9 – 1.6

Education and health services ............................. 2.6 0 – 0 196,214 0 3.3 – –

Educational services ........................................ 3.8 0 – 0 – 0 3.9 – 0.2

Junior colleges, colleges, and universities ... 4.0 0 – 0 – 0 4.0 – 0.4

Healthcare and social assistance .................... 3.2 0 – 196,214 0 0 4.1 – –

Leisure and hospitality ......................................... 9.6 – 219,374 – – 707,460 9.5 – 3.7

1 to 99 workers ........................................................ 2.2 0 – – 0 0 2.3 – –

1 to 49 workers .................................................... 2.7 0 519,134 – 0 0 2.7 – –

50 to 99 workers .................................................. 3.8 0 – 588,643 0 0 4.2 – –

100 workers or more ................................................ 2.0 162,692 0 0 1,359,412 0 2.2 – –

100 to 499 workers .............................................. 2.8 – 49,054 0 0 0 3.0 – –

500 workers or more ............................................ 2.3 0 0 0 – 0 2.3 – –

Geographic area

New England ........................................................... 4.1 310,242 0 0 325,384 – 9.2 – 5.8

Middle Atlantic ......................................................... 3.0 – 0 – – 0 3.4 – 0.7

East North Central ................................................... 3.2 0 554,977 – 0 0 3.3 – –

West North Central .................................................. 6.0 0 0 – 0 0 5.0 – –

South Atlantic ........................................................... 2.3 245,268 0 0 – 0 2.4 – –

East South Central ................................................... 6.6 0 – 0 – 0 6.9 – –

West South Central .................................................. 4.4 0 – – 0 0 5.0 – –

Mountain .................................................................. 4.4 – 0 259,567 – 0 6.5 – –

Pacific ...................................................................... 4.4 0 – 98,107 0 0 4.2 – –

1 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average

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

Occupational Earnings in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 4. Medical care benefits: High deductible 1

 and non-high

deductible health plans,2 private industry workers, National

Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

High

deductible

health plans

Non-high

deductible health

plans

All workers ............................................................... 21 77

Worker characteristic

Management, professional, and related .................. 22 77

Management, business, and financial ................. 21 79

Professional and related ...................................... 23 76

Service ..................................................................... 12 87

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

Sales and office ....................................................... 24 73

Sales and related ................................................. 26 73

Office and administrative support ........................ 24 74

Natural resources, construction, and maintenance 22 77

Construction, extraction, farming, fishing, and

forestry ............................................................... – 82

Installation, maintenance, and repair ................... 25 74

Production, transportation, and material moving ..... 20 79

Production ............................................................ 23 75

Transportation and material moving .................... 16 84

Full time ................................................................... 22 76

Part time .................................................................. 9 91

Union ....................................................................... 6 92

Nonunion ................................................................. 24 75

Average wage within the following categories:3

Lowest 25 percent ............................................... 19 79

Lowest 10 percent ........................................... – 85

Second 25 percent ............................................... 25 74

Third 25 percent ................................................... 23 76

Highest 25 percent ............................................... 18 80

Highest 10 percent ........................................... 16 82

Establishment characteristic

Goods-producing industries ..................................... 23 75

Construction ......................................................... 26 73

Manufacturing ...................................................... 23 75

Service-providing industries ..................................... 21 78

Trade, transportation, and utilities ....................... 23 76

Wholesale trade ............................................... 40 59

Retail trade ...................................................... 20 80

Utilities ............................................................. – 80

Information ........................................................... 20 77

Financial activities ................................................ 23 75

Finance and insurance .................................... 24 75

See footnotes at end of table.
Table 4. Medical care benefits: High deductible 1

 and non-high

deductible health plans,2 private industry workers, National

Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

High

deductible

health plans

Non-high

deductible health

plans

Credit intermediation and related activities .. 23 77

Insurance carriers and related activities ...... 34 65

Professional and business services ..................... 21 79

Professional and technical services ................. – 75

Education and health services ............................. 22 77

Educational services ........................................ – 85

Junior colleges, colleges, and universities ... – 90

Healthcare and social assistance .................... 24 75

Leisure and hospitality ......................................... – 93

1 to 99 workers ........................................................ 31 68

1 to 49 workers .................................................... 32 68

50 to 99 workers .................................................. 30 69

100 workers or more ................................................ 13 85

100 to 499 workers .............................................. 14 83

500 workers or more ............................................ 12 87

Geographic area

New England ........................................................... 28 72

Middle Atlantic ......................................................... 14 85

East North Central ................................................... 22 76

West North Central .................................................. 25 75

South Atlantic ........................................................... 28 69

East South Central ................................................... 17 83

West South Central .................................................. 22 78

Mountain .................................................................. 20 79

Pacific ...................................................................... 16 82

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 $1,200 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 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. 3 The categories are based on the average

wage for each occupation surveyed, which

may include workers with earnings both above

and below the threshold. The average wages

are based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2010." See

Technical Note for more details.

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/glossary20112012.htm.
Table 4. Standard errors for medical care benefits: High

deductible 1 and non-high deductible health plans, private

industry workers, National Compensation Survey, 2011

Characteristics

High

deductible

health plans

Non-high

deductible health

plans

All workers ............................................................... 1.5 1.6

Worker characteristic

Management, professional, and related .................. 2.3 2.2

Management, business, and financial ................. 1.6 1.5

Professional and related ...................................... 3.6 3.5

Service ..................................................................... 2.2 2.1

Protective service ................................................ – 9.7

Sales and office ....................................................... 2.3 2.3

Sales and related ................................................. 3.5 3.5

Office and administrative support ........................ 2.4 2.6

Natural resources, construction, and maintenance 3.5 3.5

Construction, extraction, farming, fishing, and

forestry ............................................................... – 5.1

Installation, maintenance, and repair ................... 4.4 4.5

Production, transportation, and material moving ..... 2.7 2.7

Production ............................................................ 3.7 3.7

Transportation and material moving .................... 3.1 3.1

Full time ................................................................... 1.6 1.6

Part time .................................................................. 2.0 2.0

Union ....................................................................... 1.4 1.8

Nonunion ................................................................. 1.7 1.7

Average wage within the following categories:2

Lowest 25 percent ............................................... 2.7 2.9

Lowest 10 percent ........................................... – 4.1

Second 25 percent ............................................... 3.9 3.8

Third 25 percent ................................................... 2.1 2.3

Highest 25 percent ............................................... 1.4 1.4

Highest 10 percent ........................................... 2.3 2.4

Establishment characteristic

Goods-producing industries ..................................... 2.6 2.7

Construction ......................................................... 3.7 3.7

Manufacturing ...................................................... 3.4 3.4

Service-providing industries ..................................... 1.8 1.8

Trade, transportation, and utilities ....................... 2.4 2.4

Wholesale trade ............................................... 4.9 4.8

Retail trade ...................................................... 3.3 3.4

Utilities ............................................................. – 6.9

Information ........................................................... 4.7 5.1

Financial activities ................................................ 2.1 2.5

Finance and insurance .................................... 1.9 2.0

See footnotes at end of table.
Table 4. Standard errors for medical care benefits: High

deductible 1 and non-high deductible health plans, private

industry workers, National Compensation Survey,

2011—Continued

Characteristics

High

deductible

health plans

Non-high

deductible health

plans

Credit intermediation and related activities .. 2.7 2.7

Insurance carriers and related activities ...... 3.5 3.5

Professional and business services ..................... 3.5 3.5

Professional and technical services ................. – 4.7

Education and health services ............................. 5.5 5.5

Educational services ........................................ – 6.4

Junior colleges, colleges, and universities ... – 3.4

Healthcare and social assistance .................... 6.5 6.5

Leisure and hospitality ......................................... – 2.5

1 to 99 workers ........................................................ 2.9 2.9

1 to 49 workers .................................................... 3.4 3.4

50 to 99 workers .................................................. 4.7 4.7

100 workers or more ................................................ 1.2 1.3

100 to 499 workers .............................................. 1.9 2.0

500 workers or more ............................................ 1.4 1.4

Geographic area

New England ........................................................... 7.7 7.7

Middle Atlantic ......................................................... 1.7 1.8

East North Central ................................................... 3.2 3.3

West North Central .................................................. 5.6 5.6

South Atlantic ........................................................... 5.2 5.1

East South Central ................................................... 3.8 3.9

West South Central .................................................. 3.0 3.0

Mountain .................................................................. 5.7 5.8

Pacific ...................................................................... 3.0 3.4

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 $1,200 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 The categories are based on the average

wage for each occupation surveyed, which

may include workers with earnings both above

and below the threshold. The average wages

are based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2010." See

Technical Note for more details.

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/glossary20112012.htm.
Table 5. Non-high deductible health plans: Amount of annual individual deductible, private industry workers, National

Compensation Survey, 2011

(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

All workers ............................................................... 100 76 $200 $250 $400 $750 $1,000 24

Worker characteristic

Management, professional, and related .................. 100 72 200 250 400 600 1,000 28

Management, business, and financial ................. 100 72 200 250 400 700 1,000 28

Professional and related ...................................... 100 72 – 250 400 500 1,000 28

Service ..................................................................... 100 68 200 250 400 800 1,000 32

Sales and office ....................................................... 100 80 200 300 500 750 1,000 20

Sales and related ................................................. 100 90 200 300 400 – 1,000 10

Office and administrative support ........................ 100 75 200 300 500 750 1,000 25

Natural resources, construction, and maintenance 100 83 200 200 – – 1,000 17

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 87 150 200 250 500 – 13

Installation, maintenance, and repair ................... 100 80 200 300 500 1,000 1,000 20

Production, transportation, and material moving ..... 100 81 – 250 – 750 1,000 19

Production ............................................................ 100 78 200 300 – 900 1,000 22

Transportation and material moving .................... 100 84 – 200 – 750 1,000 16

Full time ................................................................... 100 76 200 250 500 750 1,000 24

Part time .................................................................. 100 84 100 200 300 500 1,000 16

Union ....................................................................... 100 67 100 200 250 400 750 33

Nonunion ................................................................. 100 78 200 275 500 750 1,000 22

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 81 150 250 400 800 1,000 19

Second 25 percent ............................................... 100 78 200 300 500 750 1,000 22

Third 25 percent ................................................... 100 76 200 250 500 750 1,000 24

Highest 25 percent ............................................... 100 74 200 250 350 500 1,000 26

Highest 10 percent ........................................... 100 73 200 250 350 500 1,000 27

Establishment characteristic

Goods-producing industries ..................................... 100 77 200 250 – 750 1,000 23

Construction ......................................................... 100 81 150 200 275 500 1,000 19

Manufacturing ...................................................... 100 75 200 300 500 1,000 1,000 25

Service-providing industries ..................................... 100 76 200 250 400 750 1,000 24

Trade, transportation, and utilities ....................... 100 86 200 250 350 – 1,000 14

Wholesale trade ............................................... 100 72 200 250 – 500 1,000 28

Retail trade ...................................................... 100 91 200 300 400 750 1,000 9

Utilities ............................................................. 100 78 – 165 – 600 1,000 22

Information ........................................................... 100 61 150 250 450 500 – 39

Financial activities ................................................ 100 67 250 350 500 750 1,000 33

Finance and insurance .................................... 100 67 250 350 500 750 1,000 33

See footnotes at end of table.
Table 5. Non-high deductible health plans: Amount of annual individual deductible, private industry workers, National

Compensation Survey, 2011—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 70 $250 – $500 – $1,000 30

Insurance carriers and related activities ...... 100 69 300 $400 500 $750 1,000 31

Professional and business services ..................... 100 79 – 250 400 750 1,000 21

Professional and technical services ................. 100 81 – 250 – – 1,000 19

Education and health services ............................. 100 69 – 250 – – 1,000 31

Educational services ........................................ 100 69 – 250 400 500 500 31

Junior colleges, colleges, and universities ... 100 71 200 250 350 500 – 29

Healthcare and social assistance .................... 100 69 – 250 – – 1,000 31

1 to 99 workers ........................................................ 100 78 200 250 500 1,000 1,000 22

1 to 49 workers .................................................... 100 78 200 300 500 1,000 1,000 22

50 to 99 workers .................................................. 100 77 200 250 500 900 1,000 23

100 workers or more ................................................ 100 76 – 250 350 500 1,000 24

100 to 499 workers .............................................. 100 79 200 300 400 – 1,000 21

500 workers or more ............................................ 100 72 – 250 300 500 1,000 28

Geographic area

New England ........................................................... 100 69 – 275 500 – 1,000 31

Middle Atlantic ......................................................... 100 72 – 250 350 500 1,000 28

East North Central ................................................... 100 78 200 250 500 750 1,000 22

West North Central .................................................. 100 85 250 400 – 1,000 1,000 15

South Atlantic ........................................................... 100 89 200 250 350 – 1,000 11

West South Central .................................................. 100 86 – 300 500 – 1,000 14

Mountain .................................................................. 100 82 – 250 350 – 1,000 18

Pacific ...................................................................... 100 52 150 250 300 500 1,000 48

1 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average wages

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

Earnings in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 5. Standard errors for non-high deductible health plans: Amount of annual individual deductible, private

industry workers, National Compensation Survey, 2011

Characteristics With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 1.6 $0 $0 $88 $97 $0 1.6

Worker characteristic

Management, professional, and related .................. 2.3 23 0 40 113 0 2.3

Management, business, and financial ................. 3.6 10 33 118 150 0 3.6

Professional and related ...................................... 2.4 – 0 29 118 0 2.4

Service ..................................................................... 4.9 14 31 57 172 0 4.9

Sales and office ....................................................... 2.0 0 36 122 133 0 2.0

Sales and related ................................................. 1.8 10 31 101 – 0 1.8

Office and administrative support ........................ 2.6 48 58 55 87 0 2.6

Natural resources, construction, and maintenance 2.5 53 57 – – 0 2.5

Construction, extraction, farming, fishing, and

forestry ............................................................... 3.5 14 0 46 128 – 3.5

Installation, maintenance, and repair ................... 3.6 27 45 49 0 0 3.6

Production, transportation, and material moving ..... 2.6 – 0 – 84 0 2.6

Production ............................................................ 3.5 14 57 – 193 0 3.5

Transportation and material moving .................... 2.7 – 57 – 198 0 2.7

Full time ................................................................... 1.7 0 0 88 33 0 1.7

Part time .................................................................. 2.4 22 0 64 48 127 2.4

Union ....................................................................... 3.9 30 0 48 102 167 3.9

Nonunion ................................................................. 1.6 0 47 0 37 0 1.6

Average wage within the following categories:1

Lowest 25 percent ............................................... 3.7 37 40 74 181 0 3.7

Second 25 percent ............................................... 2.6 10 16 0 169 0 2.6

Third 25 percent ................................................... 2.2 0 16 22 77 0 2.2

Highest 25 percent ............................................... 2.0 54 0 47 63 0 2.0

Highest 10 percent ........................................... 2.4 40 0 60 48 0 2.4

Establishment characteristic

Goods-producing industries ..................................... 2.2 0 5 – 142 0 2.2

Construction ......................................................... 4.8 14 0 55 0 208 4.8

Manufacturing ...................................................... 3.4 57 25 10 140 0 3.4

Service-providing industries ..................................... 1.8 20 0 67 140 0 1.8

Trade, transportation, and utilities ....................... 1.9 7 0 62 – 0 1.9

Wholesale trade ............................................... 5.6 0 20 – 49 278 5.6

Retail trade ...................................................... 2.0 10 64 84 170 0 2.0

Utilities ............................................................. 6.0 – 40 – 179 49 6.0

Information ........................................................... 6.7 34 20 129 0 – 6.7

Financial activities ................................................ 3.6 14 72 0 125 0 3.6

Finance and insurance .................................... 2.8 0 52 0 51 0 2.8

See footnotes at end of table.
Table 5. Standard errors for non-high deductible health plans: Amount of annual individual deductible, private

industry workers, National Compensation Survey, 2011—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 .. 3.6 $38 – $0 – $14 3.6

Insurance carriers and related activities ...... 5.6 14 $0 34 $158 0 5.6

Professional and business services ..................... 5.2 – 17 99 210 0 5.2

Professional and technical services ................. 4.4 – 61 – – 0 4.4

Education and health services ............................. 3.5 – 0 – – 0 3.5

Educational services ........................................ 5.1 – 0 117 0 53 5.1

Junior colleges, colleges, and universities ... 3.4 0 0 83 0 – 3.4

Healthcare and social assistance .................... 4.1 – 0 – – 0 4.1

1 to 99 workers ........................................................ 2.1 0 47 0 59 0 2.1

1 to 49 workers .................................................... 2.6 0 25 0 0 0 2.6

50 to 99 workers .................................................. 4.4 0 10 108 184 0 4.4

100 workers or more ................................................ 1.9 – 0 14 35 0 1.9

100 to 499 workers .............................................. 2.9 0 67 64 – 0 2.9

500 workers or more ............................................ 2.5 – 59 40 0 26 2.5

Geographic area

New England ........................................................... 3.0 – 25 94 – 0 3.0

Middle Atlantic ......................................................... 3.5 – 71 31 0 0 3.5

East North Central ................................................... 3.6 0 10 47 132 0 3.6

West North Central .................................................. 3.3 47 113 – 91 0 3.3

South Atlantic ........................................................... 1.9 22 0 90 – 0 1.9

West South Central .................................................. 3.3 – 46 0 – 0 3.3

Mountain .................................................................. 4.1 – 59 42 – 0 4.1

Pacific ...................................................................... 5.2 29 60 0 0 17 5.2

1 The categories are based on the average wage for each occupation surveyed,

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

average wages are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2010." See Technical Note for

more details.

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/glossary20112012.htm.
Table 6. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey, 2011

(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

All workers ............................................................... 93 7 1 ( ) 78 22 – 85 13 2

Worker characteristic

Management, professional, and related .................. 92 8 1 ( ) 77 23 – 86 14 1 ( )

Management, business, and financial ................. 92 8 1 ( ) 77 23 – 89 11 1 ( )

Professional and related ...................................... 92 7 1 ( ) 76 24 – 84 16 1 ( )

Service ..................................................................... 93 7 1 ( ) 82 18 – 82 12 5

Protective service ................................................ 87 – – 71 – – 84 – –

Sales and office ....................................................... 94 6 1 ( ) 84 16 – 87 12 2

Sales and related ................................................. 97 – – 86 14 – 90 – –

Office and administrative support ........................ 92 7 1 ( ) 83 17 – 85 14 2

Natural resources, construction, and maintenance 94 6 1 73 27 – 90 9 1

Construction, extraction, farming, fishing, and

forestry ............................................................... 95 – – 61 39 – 86 – –

Installation, maintenance, and repair ................... 93 7 1 ( ) 80 20 – 93 – –

Production, transportation, and material moving ..... 94 6 – 75 25 – 82 16 2

Production ............................................................ 92 8 – 71 29 – 80 17 3

Transportation and material moving .................... 97 – – 80 20 – 84 15 1 ( )

Full time ................................................................... 93 7 1 ( ) 78 22 – 86 13 2

Part time .................................................................. 96 – – 83 17 – 82 17 2

Union ....................................................................... 87 13 1 ( ) 73 27 – 78 19 3

Nonunion ................................................................. 94 6 1 ( ) 79 21 – 86 12 1

Average wage within the following categories:2

Lowest 25 percent ............................................... 98 – – 86 – – 84 – –

Lowest 10 percent ........................................... 98 – – 81 – – 84 – –

Second 25 percent ............................................... 95 5 1 ( ) 81 19 – 86 12 2

Third 25 percent ................................................... 93 7 1 ( ) 79 21 – 86 13 1

Highest 25 percent ............................................... 91 9 1 ( ) 74 26 – 85 15 1

Highest 10 percent ........................................... 90 10 1 ( ) 74 26 – 85 15 1 ( )

Establishment characteristic

Goods-producing industries ..................................... 92 8 1 ( ) 71 29 – 86 12 2

Construction ......................................................... 93 – – 65 35 – 90 – –

Manufacturing ...................................................... 92 8 – 73 27 – 84 14 2

Service-providing industries ..................................... 94 6 1 ( ) 81 19 – 85 13 1

Trade, transportation, and utilities ....................... 98 – – 85 15 – 88 10 2

Wholesale trade ............................................... 95 – – 66 34 – 80 – –

Retail trade ...................................................... 100 – – 92 8 – 92 6 2

Utilities ............................................................. 100 – – 81 19 – 92 – –

Information ........................................................... 80 16 4 79 21 – 85 – –

Financial activities ................................................ 86 14 – 77 23 – 77 23 1 ( )

Finance and insurance .................................... 85 15 – 79 21 – 76 24 1 ( )

See footnotes at end of table.
Table 6. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey,

2011—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 .. 84 16 – 78 22 – 74 26 –

Insurance carriers and related activities ...... 93 – – 88 12 – 91 – –

Professional and business services ..................... 93 – – 72 28 – 85 15 –

Professional and technical services ................. 95 – – 67 33 – 82 – –

Education and health services ............................. 92 8 1 ( ) 80 20 – 84 16 1

Educational services ........................................ 94 – – 58 42 – 77 23 –

Junior colleges, colleges, and universities ... 93 6 1 ( ) 70 30 – 82 18 –

Healthcare and social assistance .................... 92 8 1 ( ) 85 15 – 85 14 1

Leisure and hospitality ......................................... 100 – – 97 – – 89 – –

1 to 99 workers ........................................................ 95 4 1 ( ) 74 26 – 84 15 2

1 to 49 workers .................................................... 96 4 1 ( ) 75 25 – 83 15 2

50 to 99 workers .................................................. 94 6 – 72 28 – 85 14 1 ( )

100 workers or more ................................................ 92 8 1 ( ) 82 18 – 87 12 2

100 to 499 workers .............................................. 94 5 1 82 18 – 89 9 2

500 workers or more ............................................ 88 11 1 ( ) 82 18 – 84 15 1

Geographic area

New England ........................................................... 89 11 – 70 – – 82 18 1 ( )

Middle Atlantic ......................................................... 84 16 1 ( ) 65 35 – 65 35 1 ( )

East North Central ................................................... 96 – – 82 18 – 88 11 1

West North Central .................................................. 97 3 1 ( ) 83 17 – 94 – –

South Atlantic ........................................................... 97 – – 79 21 – 89 10 1

East South Central ................................................... 97 – – 80 – – 95 – –

West South Central .................................................. 94 – – 79 21 – 89 – –

Mountain .................................................................. 92 – – 80 – – 80 – –

Pacific ...................................................................... 92 8 1 ( ) 87 13 – 91 – –

1 Less than 0.5. 2 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are based

on the estimates published in the "National Compensation Survey: Occupational Earnings in the

United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 6. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National

Compensation Survey, 2011

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

All workers ............................................................... 0.6 0.6 0.1 1.6 1.6 – 1.3 1.2 0.5

Worker characteristic

Management, professional, and related .................. 1.1 1.1 0.2 2.7 2.7 – 1.9 1.9 0.1

Management, business, and financial ................. 2.0 2.0 1 ( ) 3.3 3.3 – 1.9 1.9 0.1

Professional and related ...................................... 1.2 1.2 0.3 3.6 3.6 – 2.9 3.0 0.1

Service ..................................................................... 1.6 1.5 0.4 3.5 3.5 – 3.8 2.3 3.3

Protective service ................................................ 9.6 – – 11.5 – – 10.4 – –

Sales and office ....................................................... 0.9 0.9 0.1 2.0 2.0 – 2.0 1.9 0.7

Sales and related ................................................. 1.0 – – 3.0 3.0 – 2.7 – –

Office and administrative support ........................ 1.2 1.2 0.1 2.3 2.3 – 2.3 2.2 0.9

Natural resources, construction, and maintenance 1.1 1.0 0.2 4.9 4.9 – 2.1 2.1 0.4

Construction, extraction, farming, fishing, and

forestry ............................................................... 2.3 – – 8.9 8.9 – 5.6 – –

Installation, maintenance, and repair ................... 1.6 1.6 0.2 3.9 3.9 – 2.1 – –

Production, transportation, and material moving ..... 1.3 1.3 – 2.9 2.9 – 2.8 2.4 1.7

Production ............................................................ 1.9 1.9 – 3.8 3.8 – 3.8 3.0 3.0

Transportation and material moving .................... 1.2 – – 4.3 4.3 – 4.0 4.0 0.1

Full time ................................................................... 0.7 0.7 0.1 1.6 1.6 – 1.3 1.2 0.6

Part time .................................................................. 1.3 – – 4.7 4.7 – 4.7 4.7 0.9

Union ....................................................................... 2.4 2.4 0.2 3.7 3.7 – 3.1 3.0 1.2

Nonunion ................................................................. 0.6 0.6 0.1 1.7 1.7 – 1.3 1.2 0.6

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.6 – – 5.2 – – 4.7 – –

Lowest 10 percent ........................................... 1.1 – – 8.8 – – 6.8 – –

Second 25 percent ............................................... 1.1 1.1 1 ( ) 2.4 2.4 – 2.2 1.9 1.2

Third 25 percent ................................................... 0.9 0.9 0.1 2.4 2.4 – 1.8 1.8 0.5

Highest 25 percent ............................................... 1.2 1.1 0.2 1.8 1.8 – 1.8 1.8 0.2

Highest 10 percent ........................................... 1.8 1.7 0.4 2.0 2.0 – 2.9 2.9 0.1

Establishment characteristic

Goods-producing industries ..................................... 1.4 1.3 0.1 3.5 3.5 – 2.4 2.1 1.4

Construction ......................................................... 4.7 – – 7.8 7.8 – 5.1 – –

Manufacturing ...................................................... 1.6 1.6 – 3.7 3.7 – 3.2 2.8 1.9

Service-providing industries ..................................... 0.9 0.8 0.1 1.8 1.8 – 1.5 1.4 0.6

Trade, transportation, and utilities ....................... 0.7 – – 2.0 2.0 – 1.8 1.7 0.8

Wholesale trade ............................................... 3.0 – – 6.3 6.3 – 6.0 – –

Retail trade ...................................................... 0.2 – – 1.8 1.8 – 2.1 1.8 0.9

Utilities ............................................................. 0.2 – – 5.7 5.7 – 4.5 – –

Information ........................................................... 5.2 4.4 3.0 4.7 4.7 – 4.8 – –

Financial activities ................................................ 2.8 2.8 – 2.3 2.3 – 3.9 3.9 1 ( )

Finance and insurance .................................... 2.8 2.8 – 2.9 2.9 – 5.3 5.3 1 ( )

See footnotes at end of table.
Table 6. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National

Compensation Survey, 2011—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 .. 2.4 2.4 – 3.3 3.3 – 4.2 4.2 –

Insurance carriers and related activities ...... 2.9 – – 3.4 3.4 – 3.1 – –

Professional and business services ..................... 2.4 – – 4.7 4.7 – 4.4 4.4 –

Professional and technical services ................. 2.6 – – 7.4 7.4 – 7.0 – –

Education and health services ............................. 1.7 1.7 0.2 4.0 4.0 – 2.9 2.9 0.4

Educational services ........................................ 2.0 – – 7.4 7.4 – 4.8 4.8 –

Junior colleges, colleges, and universities ... 1.7 1.6 0.3 3.9 3.9 – 3.4 3.4 –

Healthcare and social assistance .................... 2.1 2.1 0.3 3.9 3.9 – 3.0 3.0 0.5

Leisure and hospitality ......................................... 0.1 – – 1.5 – – 7.3 – –

1 to 99 workers ........................................................ 0.7 0.7 1 ( ) 2.7 2.7 – 2.2 1.9 0.9

1 to 49 workers .................................................... 0.7 0.7 1 ( ) 2.9 2.9 – 2.8 2.4 1.3

50 to 99 workers .................................................. 1.6 1.6 – 5.1 5.1 – 3.9 3.9 0.1

100 workers or more ................................................ 1.0 1.0 0.2 1.9 1.9 – 1.5 1.4 0.7

100 to 499 workers .............................................. 1.1 1.1 0.3 2.7 2.7 – 2.2 1.9 1.2

500 workers or more ............................................ 1.6 1.6 0.1 2.1 2.1 – 1.8 1.8 0.1

Geographic area

New England ........................................................... 1.7 1.7 – 12.1 – – 4.3 4.2 0.5

Middle Atlantic ......................................................... 2.5 2.6 0.1 3.7 3.7 – 4.1 4.3 0.3

East North Central ................................................... 1.4 – – 3.3 3.3 – 2.1 2.1 0.2

West North Central .................................................. 0.6 0.6 0.1 4.8 4.8 – 3.7 – –

South Atlantic ........................................................... 0.9 – – 3.7 3.7 – 2.6 2.6 0.5

East South Central ................................................... 1.6 – – 7.7 – – 2.4 – –

West South Central .................................................. 2.5 – – 4.7 4.7 – 4.3 – –

Mountain .................................................................. 2.9 – – 6.0 – – 8.3 – –

Pacific ...................................................................... 1.8 1.7 0.1 2.1 2.1 – 2.3 – –

1 Less than 0.05. 2 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are based

on the estimates published in the "National Compensation Survey: Occupational Earnings in the

United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 7. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey, 2011

(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

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

All workers ............................................................... 100 93 – – 57 $750 $1,200 – – 7 1 ( )

Worker characteristic

Management, professional, and related .................. 100 92 – – 60 – 1,250 $250 – 8 1 ( )

Management, business, and financial ................. 100 92 – – 55 – – – – 8 1 ( )

Professional and related ...................................... 100 92 – – 64 – – 250 – 7 1 ( )

Service ..................................................................... 100 93 – – 62 – 1,050 – – 7 1 ( )

Protective service ................................................ 100 87 – – 80 1,000 1,200 – – – –

Sales and office ....................................................... 100 94 – – 54 750 1,500 – – 6 1 ( )

Sales and related ................................................. 100 97 – – 56 750 1,500 500 – – –

Office and administrative support ........................ 100 92 – – 52 750 1,200 – – 7 1 ( )

Natural resources, construction, and maintenance 100 94 – – 50 1,000 – – – 6 1

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 95 55 – – – – – – – –

Installation, maintenance, and repair ................... 100 93 – – 56 1,000 2,000 1,000 – 7 1 ( )

Production, transportation, and material moving ..... 100 94 – – 61 500 1,200 – – 6 –

Production ............................................................ 100 92 – – 59 1,000 1,500 1,000 – 8 –

Transportation and material moving .................... 100 97 34 – 63 500 1,000 500 – – –

Full time ................................................................... 100 93 – – 58 750 – – – 7 1 ( )

Part time .................................................................. 100 96 – – 49 500 1,000 300 – – –

Union ....................................................................... 100 87 – – 45 400 – – – 13 1 ( )

Nonunion ................................................................. 100 94 – – 59 750 1,500 – – 6 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 98 – – 59 800 1,200 – – – –

Lowest 10 percent ........................................... 100 98 54 $200 44 – 1,000 – – – –

Second 25 percent ............................................... 100 95 – – 58 950 1,500 500 – 5 1 ( )

Third 25 percent ................................................... 100 93 – – 59 – 1,500 – – 7 1 ( )

Highest 25 percent ............................................... 100 91 – – 55 500 1,000 250 – 9 1 ( )

Highest 10 percent ........................................... 100 90 – – 54 500 1,000 250 – 10 1 ( )

Establishment characteristic

Goods-producing industries ..................................... 100 92 – – 53 750 1,500 1,000 – 8 1 ( )

Construction ......................................................... 100 93 57 – 36 – 1,500 – – – –

Manufacturing ...................................................... 100 92 – – 59 – – – – 8 –

Service-providing industries ..................................... 100 94 – – 59 – 1,200 – – 6 1 ( )

Trade, transportation, and utilities ....................... 100 98 – – 61 750 1,500 – – – –

Wholesale trade ............................................... 100 95 34 – 61 1,500 3,000 – – – –

Retail trade ...................................................... 100 100 – – 58 950 1,500 – – – –

Utilities ............................................................. 100 100 – – 53 – 660 – – – –

Information ........................................................... 100 80 21 – 59 500 – – – 16 4

Financial activities ................................................ 100 86 – – 58 – 1,500 – – 14 –

Finance and insurance .................................... 100 85 – – 59 – 1,000 750 – 15 –

See footnotes at end of table.
Table 7. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey,

2011—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

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

Credit intermediation and related activities .. 100 84 – – 56 – – $950 – 16 –

Insurance carriers and related activities ...... 100 93 – – 63 – $2,000 – – – –

Professional and business services ..................... 100 93 – – 48 – – – – – –

Professional and technical services ................. 100 95 – – 55 – – – – – –

Education and health services ............................. 100 92 – – 63 – – 250 – 8 1 ( )

Educational services ........................................ 100 94 – – 71 $500 1,000 – – – –

Junior colleges, colleges, and universities ... 100 93 – – 74 500 – 250 – 6 1 ( )

Healthcare and social assistance .................... 100 92 – – 61 – – 250 – 8 1 ( )

Leisure and hospitality ......................................... 100 100 30 $250 70 – 1,000 – – – –

1 to 99 workers ........................................................ 100 95 – – 57 1,000 2,000 1,000 – 4 1 ( )

1 to 49 workers .................................................... 100 96 – – 60 1,000 2,000 – – 4 1 ( )

50 to 99 workers .................................................. 100 94 – – 50 1,200 2,000 – – 6 –

100 workers or more ................................................ 100 92 – – 58 500 1,000 – – 8 1 ( )

100 to 499 workers .............................................. 100 94 – – 57 500 – – – 5 1

500 workers or more ............................................ 100 88 – – 59 400 750 250 – 11 1 ( )

Geographic area

New England ........................................................... 100 89 – – 52 – 1,200 – – 11 –

Middle Atlantic ......................................................... 100 84 – – 57 – – 50 – 16 1 ( )

East North Central ................................................... 100 96 – – 68 – 1,500 500 – – –

West North Central .................................................. 100 97 – – 67 – 1,750 500 – 3 1 ( )

South Atlantic ........................................................... 100 97 – – 55 1,000 1,500 – – – –

East South Central ................................................... 100 97 – – 54 – – 250 – – –

West South Central .................................................. 100 94 34 500 60 – 1,500 500 – – –

Mountain .................................................................. 100 92 – – 52 – 1,000 – – – –

Pacific ...................................................................... 100 92 49 350 – – – – – 8 1 ( )

1 Less than 0.5. 2 The categories are based on the average wage for each occupation surveyed, which may include workers

with earnings both above and below the threshold. The average wages are based on the estimates published in

the "National Compensation Survey: Occupational Earnings in the United States, 2010." See Technical Note for

more details.

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/glossary20112012.htm.
Table 7. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National

Compensation Survey, 2011

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

All workers ............................................................... 0.6 – – 1.8 $184 $232 – – 0.6 0.1

Worker characteristic

Management, professional, and related .................. 1.1 – – 2.6 – 328 $26 – 1.1 0.2

Management, business, and financial ................. 2.0 – – 3.1 – – – – 2.0 1 ( )

Professional and related ...................................... 1.2 – – 3.4 – – 0 – 1.2 0.3

Service ..................................................................... 1.6 – – 4.7 – 214 – – 1.5 0.4

Protective service ................................................ 9.6 – – 11.0 0 313 – – – –

Sales and office ....................................................... 0.9 – – 2.6 29 265 – – 0.9 0.1

Sales and related ................................................. 1.0 – – 3.6 39 0 62 – – –

Office and administrative support ........................ 1.2 – – 3.1 171 313 – – 1.2 0.1

Natural resources, construction, and maintenance 1.1 – – 4.8 166 – – – 1.0 0.2

Construction, extraction, farming, fishing, and

forestry ............................................................... 2.3 8.2 – – – – – – – –

Installation, maintenance, and repair ................... 1.6 – – 5.6 0 110 196 – 1.6 0.2

Production, transportation, and material moving ..... 1.3 – – 3.7 129 309 – – 1.3 –

Production ............................................................ 1.9 – – 5.1 173 421 0 – 1.9 –

Transportation and material moving .................... 1.2 5.2 – 5.1 0 106 0 – – –

Full time ................................................................... 0.7 – – 1.8 136 – – – 0.7 0.1

Part time .................................................................. 1.3 – – 4.3 0 119 73 – – –

Union ....................................................................... 2.4 – – 5.3 95 – – – 2.4 0.2

Nonunion ................................................................. 0.6 – – 1.7 74 107 – – 0.6 0.1

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.6 – – 5.5 145 237 – – – –

Lowest 10 percent ........................................... 1.1 7.9 $17 7.6 – 210 – – – –

Second 25 percent ............................................... 1.1 – – 2.8 211 347 117 – 1.1 1 ( )

Third 25 percent ................................................... 0.9 – – 2.5 – 353 – – 0.9 0.1

Highest 25 percent ............................................... 1.2 – – 2.6 0 10 0 – 1.1 0.2

Highest 10 percent ........................................... 1.8 – – 3.9 78 81 48 – 1.7 0.4

Establishment characteristic

Goods-producing industries ..................................... 1.4 – – 3.3 208 413 250 – 1.3 0.1

Construction ......................................................... 4.7 6.7 – 5.3 – 196 – – – –

Manufacturing ...................................................... 1.6 – – 4.2 – – – – 1.6 –

Service-providing industries ..................................... 0.9 – – 2.0 – 188 – – 0.8 0.1

Trade, transportation, and utilities ....................... 0.7 – – 3.2 107 181 – – – –

Wholesale trade ............................................... 3.0 5.3 – 5.7 59 410 – – – –

Retail trade ...................................................... 0.2 – – 3.9 272 29 – – – –

Utilities ............................................................. 0.2 – – 9.7 – 194 – – – –

Information ........................................................... 5.2 4.4 – 6.6 85 – – – 4.4 3.0

Financial activities ................................................ 2.8 – – 3.7 – 316 – – 2.8 –

Finance and insurance .................................... 2.8 – – 3.2 – 123 180 – 2.8 –

See footnotes at end of table.
Table 7. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National

Compensation Survey, 2011—Continued

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

Credit intermediation and related activities .. 2.4 – – 3.7 – – $0 – 2.4 –

Insurance carriers and related activities ...... 2.9 – – 6.1 – $393 – – – –

Professional and business services ..................... 2.4 – – 5.1 – – – – – –

Professional and technical services ................. 2.6 – – 7.4 – – – – – –

Education and health services ............................. 1.7 – – 3.4 – – 58 – 1.7 0.2

Educational services ........................................ 2.0 – – 6.2 $62 132 – – – –

Junior colleges, colleges, and universities ... 1.7 – – 4.3 113 – 50 – 1.6 0.3

Healthcare and social assistance .................... 2.1 – – 3.9 – – 55 – 2.1 0.3

Leisure and hospitality ......................................... 0.1 8.6 $20 8.6 – 282 – – – –

1 to 99 workers ........................................................ 0.7 – – 2.4 101 67 299 – 0.7 1 ( )

1 to 49 workers .................................................... 0.7 – – 2.7 69 215 – – 0.7 1 ( )

50 to 99 workers .................................................. 1.6 – – 5.1 234 414 – – 1.6 –

100 workers or more ................................................ 1.0 – – 2.4 0 42 – – 1.0 0.2

100 to 499 workers .............................................. 1.1 – – 3.4 95 – – – 1.1 0.3

500 workers or more ............................................ 1.6 – – 2.8 26 116 22 – 1.6 0.1

Geographic area

New England ........................................................... 1.7 – – 5.0 – 161 – – 1.7 –

Middle Atlantic ......................................................... 2.5 – – 5.6 – – 0 – 2.6 0.1

East North Central ................................................... 1.4 – – 3.3 – 196 101 – – –

West North Central .................................................. 0.6 – – 2.7 – 430 109 – 0.6 0.1

South Atlantic ........................................................... 0.9 – – 5.1 201 371 – – – –

East South Central ................................................... 1.6 – – 6.4 – – 40 – – –

West South Central .................................................. 2.5 4.3 60 4.8 – 422 0 – – –

Mountain .................................................................. 2.9 – – 9.8 – 117 – – – –

Pacific ...................................................................... 1.8 3.8 51 – – – – – 1.7 0.1

1 Less than 0.05. 2 The categories are based on the average wage for each occupation surveyed, which may include

workers with earnings both above and below the threshold. The average wages are based on the estimates

published in the "National Compensation Survey: Occupational Earnings in the United States, 2010." See

Technical Note for more details.

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/glossary20112012.htm.
Table 8. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey, 2011

(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

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

All workers ............................................................... 100 89 – – 56 $1,500 $3,000 – – 11 1 ( )

Worker characteristic

Management, professional, and related .................. 100 89 – – 60 1,500 3,000 $750 – 11 1 ( )

Management, business, and financial ................. 100 87 – – 54 1,500 3,000 – – 13 1 ( )

Professional and related ...................................... 100 90 – – 64 – – – – 10 1 ( )

Service ..................................................................... 100 88 – – 62 1,500 2,400 – – 12 1 ( )

Protective service ................................................ 100 86 – – 80 3,000 3,600 – – – –

Sales and office ....................................................... 100 89 – – 53 1,500 3,000 – – 11 1 ( )

Sales and related ................................................. 100 92 – – 55 1,500 3,000 1,500 – 8 –

Office and administrative support ........................ 100 87 – – 51 1,500 3,000 – – 13 1 ( )

Natural resources, construction, and maintenance 100 90 – – 48 2,000 4,000 – – 10 1

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 89 51 $600 – – – – – – –

Installation, maintenance, and repair ................... 100 90 – – 55 – 4,000 3,000 – 10 1 ( )

Production, transportation, and material moving ..... 100 89 – – 58 1,500 2,400 – – 11 –

Production ............................................................ 100 87 – – 56 2,000 – 3,000 – 13 –

Transportation and material moving .................... 100 91 30 1,500 61 – 2,100 1,500 – 9 –

Full time ................................................................... 100 89 – – 57 1,500 3,000 – – 10 1 ( )

Part time .................................................................. 100 82 – – 49 1,500 2,300 750 – 18 –

Union ....................................................................... 100 78 – – 44 900 1,500 – – 22 1 ( )

Nonunion ................................................................. 100 90 – – 58 1,500 3,000 – – 9 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 89 – – 59 1,600 3,000 – – – –

Lowest 10 percent ........................................... 100 76 32 – 44 1,500 – – – – –

Second 25 percent ............................................... 100 92 – – 57 2,000 3,450 – – 8 1 ( )

Third 25 percent ................................................... 100 88 – – 57 1,500 3,000 1,500 – 11 1 ( )

Highest 25 percent ............................................... 100 87 – – 54 1,200 2,400 – – 13 1 ( )

Highest 10 percent ........................................... 100 87 – – 53 1,000 2,000 – – 13 1 ( )

Establishment characteristic

Goods-producing industries ..................................... 100 86 – – 50 – 3,000 3,000 – 14 1 ( )

Construction ......................................................... 100 82 47 – 36 1,500 3,600 – – – –

Manufacturing ...................................................... 100 86 – – 55 2,000 3,000 3,000 – 14 –

Service-providing industries ..................................... 100 90 – – 58 1,500 3,000 800 – 10 1 ( )

Trade, transportation, and utilities ....................... 100 94 – – 60 – 3,000 – – 6 –

Wholesale trade ............................................... 100 94 33 – 61 4,500 – – – – –

Retail trade ...................................................... 100 93 – – 58 2,000 3,000 – – – –

Utilities ............................................................. 100 100 – – 53 – – – – – –

Information ........................................................... 100 80 21 – 59 1,500 – – – 16 4

Financial activities ................................................ 100 84 – – 57 1,500 3,000 – – 16 –

Finance and insurance .................................... 100 84 – – 57 1,500 2,900 1,500 – 16 –

See footnotes at end of table.
Table 8. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey,

2011—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

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

Credit intermediation and related activities .. 100 83 – – 55 – $3,000 $1,900 – 17 –

Insurance carriers and related activities ...... 100 90 – – 61 – 2,900 – – – –

Professional and business services ..................... 100 85 – – 48 – – – – 15 –

Professional and technical services ................. 100 87 – – 55 – 4,000 – – – –

Education and health services ............................. 100 92 – – 63 $1,500 3,600 – – 8 1 ( )

Educational services ........................................ 100 94 – – 71 1,000 2,000 – – – –

Junior colleges, colleges, and universities ... 100 93 – – 74 1,200 2,000 600 – 6 1 ( )

Healthcare and social assistance .................... 100 91 – – 61 1,500 4,000 – – 9 1 ( )

Leisure and hospitality ......................................... 100 95 – – 70 1,500 2,400 – – – –

1 to 99 workers ........................................................ 100 90 – – 55 2,500 4,500 – – 10 1 ( )

1 to 49 workers .................................................... 100 90 – – 59 – 4,500 – – 10 1 ( )

50 to 99 workers .................................................. 100 89 – – 47 2,400 4,800 3,000 – 11 –

100 workers or more ................................................ 100 88 – – 57 1,200 2,100 – – 12 1 ( )

100 to 499 workers .............................................. 100 90 – – 57 1,500 3,000 1,500 – 10 1

500 workers or more ............................................ 100 86 – – 58 900 1,600 – – 14 1 ( )

Geographic area

New England ........................................................... 100 88 – – 52 1,700 3,400 – – 12 –

Middle Atlantic ......................................................... 100 79 – – 57 1,000 1,800 100 – 21 1 ( )

East North Central ................................................... 100 93 – – 66 1,500 3,600 1,500 – – –

West North Central .................................................. 100 97 – – 67 1,950 4,000 1,500 – 3 1 ( )

South Atlantic ........................................................... 100 92 – – 55 2,000 – 750 – – –

East South Central ................................................... 100 93 – – 54 – – 750 – – –

West South Central .................................................. 100 89 32 $1,500 57 – – – – 11 –

Mountain .................................................................. 100 85 – – 49 – 2,000 – – – –

Pacific ...................................................................... 100 84 42 750 – – – – – 16 1 ( )

1 Less than 0.5. 2 The categories are based on the average wage for each occupation surveyed, which may include workers

with earnings both above and below the threshold. The average wages are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States, 2010." See Technical Note for more

details.

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/glossary20112012.htm.
Table 8. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National

Compensation Survey, 2011

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

All workers ............................................................... 1.0 – – 1.8 $44 $0 – – 1.1 0.1

Worker characteristic

Management, professional, and related .................. 1.4 – – 2.6 296 704 $158 – 1.5 0.2

Management, business, and financial ................. 2.3 – – 3.1 418 642 – – 2.3 1 ( )

Professional and related ...................................... 1.6 – – 3.4 – – – – 1.7 0.3

Service ..................................................................... 2.6 – – 4.7 102 555 – – 2.6 0.4

Protective service ................................................ 9.8 – – 11.0 0 175 – – – –

Sales and office ....................................................... 2.0 – – 2.6 65 0 – – 2.0 0.1

Sales and related ................................................. 1.9 – – 3.7 166 0 434 – 1.9 –

Office and administrative support ........................ 2.4 – – 3.1 122 83 – – 2.4 0.1

Natural resources, construction, and maintenance 1.7 – – 4.8 244 399 – – 1.8 0.2

Construction, extraction, farming, fishing, and

forestry ............................................................... 2.5 7.9 $146 – – – – – – –

Installation, maintenance, and repair ................... 1.9 – – 5.5 – 877 0 – 1.9 0.2

Production, transportation, and material moving ..... 1.9 – – 3.7 0 677 – – 1.9 –

Production ............................................................ 2.6 – – 5.1 270 – 0 – 2.6 –

Transportation and material moving .................... 2.1 4.6 0 5.2 – 317 0 – 2.1 –

Full time ................................................................... 1.0 – – 1.8 86 0 – – 1.0 0.1

Part time .................................................................. 4.7 – – 4.3 152 385 77 – 4.7 –

Union ....................................................................... 3.2 – – 5.4 79 286 – – 3.2 0.2

Nonunion ................................................................. 0.9 – – 1.7 256 193 – – 1.0 0.1

Average wage within the following categories:2

Lowest 25 percent ............................................... 3.2 – – 5.6 262 310 – – – –

Lowest 10 percent ........................................... 8.2 8.1 – 7.6 0 – – – – –

Second 25 percent ............................................... 1.5 – – 2.8 318 947 – – 1.5 1 ( )

Third 25 percent ................................................... 1.4 – – 2.7 385 464 218 – 1.5 0.1

Highest 25 percent ............................................... 1.3 – – 2.5 215 384 – – 1.4 0.2

Highest 10 percent ........................................... 1.9 – – 3.9 126 130 – – 2.1 0.4

Establishment characteristic

Goods-producing industries ..................................... 2.0 – – 3.4 – 211 481 – 2.0 0.1

Construction ......................................................... 4.2 6.5 – 5.3 317 710 – – – –

Manufacturing ...................................................... 2.5 – – 4.3 581 726 620 – 2.5 –

Service-providing industries ..................................... 1.3 – – 2.0 83 0 232 – 1.4 0.1

Trade, transportation, and utilities ....................... 1.5 – – 3.2 – 501 – – 1.5 –

Wholesale trade ............................................... 3.0 5.3 – 5.7 926 – – – – –

Retail trade ...................................................... 2.6 – – 3.9 114 616 – – – –

Utilities ............................................................. 0.2 – – 9.7 – – – – – –

Information ........................................................... 5.2 4.4 – 6.6 139 – – – 4.4 3.0

Financial activities ................................................ 2.8 – – 3.7 209 28 – – 2.8 –

Finance and insurance .................................... 2.8 – – 3.2 114 263 360 – 2.8 –

See footnotes at end of table.
Table 8. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National

Compensation Survey, 2011—Continued

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

Credit intermediation and related activities .. 2.6 – – 3.7 – $0 $0 – 2.6 –

Insurance carriers and related activities ...... 3.4 – – 6.3 – 116 – – – –

Professional and business services ..................... 3.9 – – 5.1 – – – – 3.9 –

Professional and technical services ................. 5.1 – – 7.4 – 640 – – – –

Education and health services ............................. 1.7 – – 3.4 $172 981 – – 1.6 0.2

Educational services ........................................ 2.0 – – 6.2 235 75 – – – –

Junior colleges, colleges, and universities ... 1.7 – – 4.3 145 172 0 – 1.6 0.3

Healthcare and social assistance .................... 2.1 – – 3.9 389 1,132 – – 2.1 0.3

Leisure and hospitality ......................................... 3.7 – – 8.6 178 501 – – – –

1 to 99 workers ........................................................ 1.4 – – 2.4 384 725 – – 1.4 1 ( )

1 to 49 workers .................................................... 1.6 – – 2.6 – 787 – – 1.6 1 ( )

50 to 99 workers .................................................. 2.9 – – 5.0 357 939 899 – 2.9 –

100 workers or more ................................................ 1.3 – – 2.4 323 193 – – 1.3 0.2

100 to 499 workers .............................................. 1.9 – – 3.4 0 132 427 – 2.0 0.3

500 workers or more ............................................ 1.6 – – 2.8 135 168 – – 1.6 0.1

Geographic area

New England ........................................................... 1.7 – – 5.0 466 544 – – 1.7 –

Middle Atlantic ......................................................... 4.5 – – 5.6 225 316 0 – 4.6 0.1

East North Central ................................................... 1.7 – – 3.6 81 762 146 – – –

West North Central .................................................. 0.6 – – 2.7 508 581 0 – 0.6 0.1

South Atlantic ........................................................... 2.4 – – 5.1 512 – 184 – – –

East South Central ................................................... 2.4 – – 6.6 – – 42 – – –

West South Central .................................................. 3.0 3.6 $198 4.9 – – – – 3.0 –

Mountain .................................................................. 5.2 – – 9.4 – 470 – – – –

Pacific ...................................................................... 2.5 3.2 31 – – – – – 2.5 0.1

1 Less than 0.05. 2 The categories are based on the average wage for each occupation surveyed, which may include

workers with earnings both above and below the threshold. The average wages are based on the estimates

published in the "National Compensation Survey: Occupational Earnings in the United States, 2010." See

Technical Note for more details.

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/glossary20112012.htm.
Table 9. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation Survey,

2011

(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

All workers ............................................................... 100 93 $200 $300 $500 $1,250 $2,250 7 1 ( )

Worker characteristic

Management, professional, and related .................. 100 92 250 300 600 1,500 2,300 8 1 ( )

Management, business, and financial ................. 100 92 250 300 500 1,260 2,300 8 1 ( )

Professional and related ...................................... 100 92 – 300 – 1,500 2,100 7 1 ( )

Service ..................................................................... 100 93 200 250 500 1,000 2,000 7 1 ( )

Protective service ................................................ 100 87 500 – 1,000 – 2,000 – –

Sales and office ....................................................... 100 94 – 350 500 1,500 2,250 6 1 ( )

Sales and related ................................................. 100 97 200 350 500 1,150 2,100 – –

Office and administrative support ........................ 100 92 250 350 750 1,500 2,250 7 1 ( )

Natural resources, construction, and maintenance 100 94 200 275 – 1,250 2,500 6 1

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 95 150 200 300 – 2,000 – –

Installation, maintenance, and repair ................... 100 93 – – 1,000 1,500 2,500 7 1 ( )

Production, transportation, and material moving ..... 100 94 200 300 500 1,250 2,000 6 –

Production ............................................................ 100 92 250 300 1,000 1,250 2,500 8 –

Transportation and material moving .................... 100 97 – 250 500 1,000 1,500 – –

Full time ................................................................... 100 93 200 300 600 1,350 2,400 7 1 ( )

Part time .................................................................. 100 96 – 200 350 – 1,250 – –

Union ....................................................................... 100 87 – 200 300 500 1,250 13 1 ( )

Nonunion ................................................................. 100 94 250 350 750 1,500 2,400 6 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 98 – 300 500 1,000 2,000 – –

Lowest 10 percent ........................................... 100 98 – 200 250 – 1,250 – –

Second 25 percent ............................................... 100 95 250 350 – 1,500 2,400 5 1 ( )

Third 25 percent ................................................... 100 93 200 300 – 1,500 2,500 7 1 ( )

Highest 25 percent ............................................... 100 91 200 250 500 1,200 2,000 9 1 ( )

Highest 10 percent ........................................... 100 90 200 250 500 1,000 2,000 10 1 ( )

Establishment characteristic

Goods-producing industries ..................................... 100 92 200 300 – 1,350 2,500 8 1 ( )

Construction ......................................................... 100 93 – 200 500 2,000 2,500 – –

Manufacturing ...................................................... 100 92 250 – 1,000 1,300 2,250 8 –

Service-providing industries ..................................... 100 94 200 300 500 1,250 2,000 6 1 ( )

Trade, transportation, and utilities ....................... 100 98 200 300 500 1,200 2,500 – –

Wholesale trade ............................................... 100 95 250 – – 2,500 3,000 – –

Retail trade ...................................................... 100 100 200 350 500 1,000 2,500 – –

Utilities ............................................................. 100 100 150 200 – 1,000 1,500 – –

Information ........................................................... 100 80 – 300 500 1,200 1,500 16 4

Financial activities ................................................ 100 86 300 500 – 1,400 2,000 14 –

Finance and insurance .................................... 100 85 300 500 950 1,500 2,000 15 –

See footnotes at end of table.
Table 9. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation Survey,

2011—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 84 $300 $500 $950 $1,500 $2,000 16 –

Insurance carriers and related activities ...... 100 93 400 – 1,000 1,500 2,000 – –

Professional and business services ..................... 100 93 200 300 500 1,250 2,000 – –

Professional and technical services ................. 100 95 200 300 500 1,500 2,000 – –

Education and health services ............................. 100 92 – – 1,000 – 2,500 8 1 ( )

Educational services ........................................ 100 94 200 250 500 – – – –

Junior colleges, colleges, and universities ... 100 93 200 250 450 – 1,500 6 1 ( )

Healthcare and social assistance .................... 100 92 – – 1,000 2,000 2,500 8 1 ( )

Leisure and hospitality ......................................... 100 100 200 250 – 800 1,000 – –

1 to 99 workers ........................................................ 100 95 250 400 1,000 1,750 2,500 4 1 ( )

1 to 49 workers .................................................... 100 96 250 500 1,000 2,000 2,500 4 1 ( )

50 to 99 workers .................................................. 100 94 – – 1,000 1,500 2,500 6 –

100 workers or more ................................................ 100 92 200 275 500 1,000 1,500 8 1 ( )

100 to 499 workers .............................................. 100 94 200 300 500 1,000 1,500 5 1

500 workers or more ............................................ 100 88 – 250 400 1,000 1,500 11 1 ( )

Geographic area

New England ........................................................... 100 89 250 – 1,000 – 2,500 11 –

Middle Atlantic ......................................................... 100 84 – 250 – 1,000 2,000 16 1 ( )

East North Central ................................................... 100 96 200 300 – 1,250 2,000 – –

West North Central .................................................. 100 97 300 500 950 1,500 2,400 3 1 ( )

South Atlantic ........................................................... 100 97 200 300 – 1,500 2,000 – –

East South Central ................................................... 100 97 – 350 – 1,000 2,400 – –

West South Central .................................................. 100 94 200 350 – 1,250 2,500 – –

Mountain .................................................................. 100 92 – 275 – – 2,500 – –

Pacific ...................................................................... 100 92 200 250 500 1,250 – 8 1 ( )

1 Less than 0.5. 2 The categories are based on the average wage for each occupation surveyed, which may include

workers with earnings both above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United States,

2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 9. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers, National

Compensation Survey, 2011

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 0.6 $0 $0 $84 $159 $346 0.6 0.1

Worker characteristic

Management, professional, and related .................. 1.1 62 10 152 189 364 1.1 0.2

Management, business, and financial ................. 2.0 23 38 143 150 261 2.0 1 ( )

Professional and related ...................................... 1.2 – 17 – 364 479 1.2 0.3

Service ..................................................................... 1.6 0 20 34 0 166 1.5 0.4

Protective service ................................................ 9.6 136 – 0 – 301 – –

Sales and office ....................................................... 0.9 – 14 102 318 342 0.9 0.1

Sales and related ................................................. 1.0 53 20 0 223 552 – –

Office and administrative support ........................ 1.2 74 18 220 105 322 1.2 0.1

Natural resources, construction, and maintenance 1.1 0 48 – 359 71 1.0 0.2

Construction, extraction, farming, fishing, and

forestry ............................................................... 2.3 31 0 42 – 441 – –

Installation, maintenance, and repair ................... 1.6 – – 69 390 621 1.6 0.2

Production, transportation, and material moving ..... 1.3 0 0 140 210 400 1.3 –

Production ............................................................ 1.9 46 26 229 242 377 1.9 –

Transportation and material moving .................... 1.2 – 34 0 0 28 – –

Full time ................................................................... 0.7 6 0 163 214 354 0.7 0.1

Part time .................................................................. 1.3 – 28 42 – 234 – –

Union ....................................................................... 2.4 – 0 33 138 243 2.4 0.2

Nonunion ................................................................. 0.6 43 34 164 236 231 0.6 0.1

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.6 – 59 53 241 451 – –

Lowest 10 percent ........................................... 1.1 – 51 0 – 289 – –

Second 25 percent ............................................... 1.1 0 20 – 148 407 1.1 1 ( )

Third 25 percent ................................................... 0.9 25 18 – 129 116 0.9 0.1

Highest 25 percent ............................................... 1.2 0 26 0 139 49 1.1 0.2

Highest 10 percent ........................................... 1.8 0 40 0 219 204 1.7 0.4

Establishment characteristic

Goods-producing industries ..................................... 1.4 0 0 – 194 175 1.3 0.1

Construction ......................................................... 4.7 – 34 60 118 0 – –

Manufacturing ...................................................... 1.6 0 – 146 124 463 1.6 –

Service-providing industries ..................................... 0.9 0 0 39 150 296 0.8 0.1

Trade, transportation, and utilities ....................... 0.7 0 48 0 245 0 – –

Wholesale trade ............................................... 3.0 0 – – 260 589 – –

Retail trade ...................................................... 0.2 47 0 0 0 714 – –

Utilities ............................................................. 0.2 34 53 – 69 0 – –

Information ........................................................... 5.2 – 51 0 0 213 4.4 3.0

Financial activities ................................................ 2.8 0 106 – 207 78 2.8 –

Finance and insurance .................................... 2.8 14 63 277 86 0 2.8 –

See footnotes at end of table.
Table 9. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers, National

Compensation Survey, 2011—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 .. 2.4 $65 $0 $258 $39 $169 2.4 –

Insurance carriers and related activities ...... 2.9 69 – 52 178 220 – –

Professional and business services ..................... 2.4 10 45 10 319 310 – –

Professional and technical services ................. 2.6 57 26 81 390 329 – –

Education and health services ............................. 1.7 – – 164 – 100 1.7 0.2

Educational services ........................................ 2.0 51 0 54 – – – –

Junior colleges, colleges, and universities ... 1.7 0 0 96 – 0 1.6 0.3

Healthcare and social assistance .................... 2.1 – – 106 501 100 2.1 0.3

Leisure and hospitality ......................................... 0.1 50 14 – 237 0 – –

1 to 99 workers ........................................................ 0.7 73 106 0 303 0 0.7 1 ( )

1 to 49 workers .................................................... 0.7 56 129 0 245 0 0.7 1 ( )

50 to 99 workers .................................................. 1.6 – – 95 388 193 1.6 –

100 workers or more ................................................ 1.0 10 49 0 0 0 1.0 0.2

100 to 499 workers .............................................. 1.1 19 0 0 0 44 1.1 0.3

500 workers or more ............................................ 1.6 – 0 33 0 0 1.6 0.1

Geographic area

New England ........................................................... 1.7 13 – 194 – 116 1.7 –

Middle Atlantic ......................................................... 2.5 – 45 – 63 299 2.6 0.1

East North Central ................................................... 1.4 42 31 – 42 222 – –

West North Central .................................................. 0.6 39 0 115 319 305 0.6 0.1

South Atlantic ........................................................... 0.9 8 58 – 119 262 – –

East South Central ................................................... 1.6 – 70 – 86 675 – –

West South Central .................................................. 2.5 29 50 – 315 537 – –

Mountain .................................................................. 2.9 – 54 – – 675 – –

Pacific ...................................................................... 1.8 33 0 114 101 – 1.7 0.1

1 Less than 0.05. 2 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are

based on the estimates published in the "National Compensation Survey: Occupational Earnings

in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 10. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation Survey, 2011

(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

All workers ............................................................... 100 89 $500 $700 $1,500 $3,000 $5,000 11 1 ( )

Worker characteristic

Management, professional, and related .................. 100 89 500 750 1,500 3,000 5,000 11 1 ( )

Management, business, and financial ................. 100 87 500 750 1,500 3,000 5,000 13 1 ( )

Professional and related ...................................... 100 90 500 750 – 3,750 5,000 10 1 ( )

Service ..................................................................... 100 88 500 600 1,500 3,000 – 12 1 ( )

Protective service ................................................ 100 86 – – 3,000 – 4,000 – –

Sales and office ....................................................... 100 89 600 750 1,500 3,000 5,000 11 1 ( )

Sales and related ................................................. 100 92 600 700 1,500 3,000 5,000 8 –

Office and administrative support ........................ 100 87 500 800 1,600 3,000 4,800 13 1 ( )

Natural resources, construction, and maintenance 100 90 400 600 1,500 3,000 5,250 10 1

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 89 400 – 700 – 5,000 – –

Installation, maintenance, and repair ................... 100 90 600 1,000 2,000 3,500 6,000 10 1 ( )

Production, transportation, and material moving ..... 100 89 500 750 1,500 3,000 4,500 11 –

Production ............................................................ 100 87 600 800 2,000 3,000 – 13 –

Transportation and material moving .................... 100 91 400 – 1,500 2,000 – 9 –

Full time ................................................................... 100 89 500 750 1,500 3,000 5,000 10 1 ( )

Part time .................................................................. 100 82 450 600 750 1,950 3,000 18 –

Union ....................................................................... 100 78 300 400 700 1,500 3,000 22 1 ( )

Nonunion ................................................................. 100 90 500 750 1,500 3,000 5,000 9 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 89 600 750 1,500 3,000 5,000 – –

Lowest 10 percent ........................................... 100 76 500 500 800 – – – –

Second 25 percent ............................................... 100 92 600 800 2,000 3,000 5,000 8 1 ( )

Third 25 percent ................................................... 100 88 500 750 1,500 3,000 5,250 11 1 ( )

Highest 25 percent ............................................... 100 87 400 600 1,000 3,000 4,800 13 1 ( )

Highest 10 percent ........................................... 100 87 400 600 1,000 2,500 4,500 13 1 ( )

Establishment characteristic

Goods-producing industries ..................................... 100 86 500 750 1,500 3,000 5,000 14 1 ( )

Construction ......................................................... 100 82 400 – – 4,000 5,000 – –

Manufacturing ...................................................... 100 86 600 900 2,000 3,000 – 14 –

Service-providing industries ..................................... 100 90 500 700 1,500 3,000 5,000 10 1 ( )

Trade, transportation, and utilities ....................... 100 94 500 700 1,500 3,000 5,000 6 –

Wholesale trade ............................................... 100 94 600 1,000 3,000 5,000 7,500 – –

Retail trade ...................................................... 100 93 700 700 1,500 2,300 5,000 – –

Utilities ............................................................. 100 100 400 495 – – 3,000 – –

Information ........................................................... 100 80 – 750 1,500 2,400 3,000 16 4

Financial activities ................................................ 100 84 600 1,000 – 3,000 4,200 16 –

Finance and insurance .................................... 100 84 500 1,000 1,800 3,000 4,500 16 –

See footnotes at end of table.
Table 10. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation Survey,

2011—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 83 $700 $1,000 $1,900 $3,000 $4,500 17 –

Insurance carriers and related activities ...... 100 90 – 1,000 1,900 3,000 4,500 – –

Professional and business services ..................... 100 85 500 700 1,500 3,000 5,250 15 –

Professional and technical services ................. 100 87 400 600 – – 5,250 – –

Education and health services ............................. 100 92 – – 2,400 4,000 5,000 8 1 ( )

Educational services ........................................ 100 94 500 600 1,000 – 4,000 – –

Junior colleges, colleges, and universities ... 100 93 500 600 1,000 – – 6 1 ( )

Healthcare and social assistance .................... 100 91 – – 2,500 4,000 5,000 9 1 ( )

Leisure and hospitality ......................................... 100 95 500 – – – 3,000 – –

1 to 99 workers ........................................................ 100 90 600 1,000 2,250 4,000 6,000 10 1 ( )

1 to 49 workers .................................................... 100 90 600 1,000 2,500 4,000 6,000 10 1 ( )

50 to 99 workers .................................................. 100 89 500 – 2,000 4,000 5,250 11 –

100 workers or more ................................................ 100 88 450 700 1,000 2,400 3,300 12 1 ( )

100 to 499 workers .............................................. 100 90 500 700 – 2,400 3,300 10 1

500 workers or more ............................................ 100 86 – 600 900 2,000 3,300 14 1 ( )

Geographic area

New England ........................................................... 100 88 500 800 – – 5,000 12 –

Middle Atlantic ......................................................... 100 79 – 500 1,000 2,500 4,200 21 1 ( )

East North Central ................................................... 100 93 500 750 1,500 3,000 5,000 – –

West North Central .................................................. 100 97 700 – 2,000 3,000 5,000 3 1 ( )

South Atlantic ........................................................... 100 92 500 750 1,500 4,000 5,000 – –

East South Central ................................................... 100 93 600 800 – 3,000 5,000 – –

West South Central .................................................. 100 89 600 – 1,500 3,000 5,000 11 –

Mountain .................................................................. 100 85 450 600 – – 6,000 – –

Pacific ...................................................................... 100 84 450 600 1,000 2,400 3,000 16 1 ( )

1 Less than 0.5. 2 The categories are based on the average wage for each occupation surveyed, which may include

workers with earnings both above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United States,

2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 10. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National

Compensation Survey, 2011

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 1.0 $0 $64 $0 $0 $39 1.1 0.1

Worker characteristic

Management, professional, and related .................. 1.4 0 36 298 366 39 1.5 0.2

Management, business, and financial ................. 2.3 0 55 139 0 304 2.3 1 ( )

Professional and related ...................................... 1.6 29 53 – 1,038 343 1.7 0.3

Service ..................................................................... 2.6 0 60 346 555 – 2.6 0.4

Protective service ................................................ 9.8 – – 0 – 464 – –

Sales and office ....................................................... 2.0 126 80 0 0 182 2.0 0.1

Sales and related ................................................. 1.9 44 0 360 487 214 1.9 –

Office and administrative support ........................ 2.4 102 133 320 0 344 2.4 0.1

Natural resources, construction, and maintenance 1.7 28 78 157 791 654 1.8 0.2

Construction, extraction, farming, fishing, and

forestry ............................................................... 2.5 29 – 134 – 645 – –

Installation, maintenance, and repair ................... 1.9 141 208 338 861 760 1.9 0.2

Production, transportation, and material moving ..... 1.9 72 102 20 313 728 1.9 –

Production ............................................................ 2.6 28 161 126 367 – 2.6 –

Transportation and material moving .................... 2.1 85 – 166 49 – 2.1 –

Full time ................................................................... 1.0 0 38 0 0 0 1.0 0.1

Part time .................................................................. 4.7 89 96 64 533 196 4.7 –

Union ....................................................................... 3.2 66 82 128 139 186 3.2 0.2

Nonunion ................................................................. 0.9 0 60 136 0 49 1.0 0.1

Average wage within the following categories:2

Lowest 25 percent ............................................... 3.2 100 112 55 139 677 – –

Lowest 10 percent ........................................... 8.2 0 124 234 – – – –

Second 25 percent ............................................... 1.5 114 121 472 591 236 1.5 1 ( )

Third 25 percent ................................................... 1.4 20 115 188 301 493 1.5 0.1

Highest 25 percent ............................................... 1.3 66 0 248 355 456 1.4 0.2

Highest 10 percent ........................................... 1.9 46 48 167 445 759 2.1 0.4

Establishment characteristic

Goods-producing industries ..................................... 2.0 103 31 331 0 701 2.0 0.1

Construction ......................................................... 4.2 12 – – 739 832 – –

Manufacturing ...................................................... 2.5 0 130 0 20 – 2.5 –

Service-providing industries ..................................... 1.3 0 45 0 0 39 1.4 0.1

Trade, transportation, and utilities ....................... 1.5 34 0 77 407 0 1.5 –

Wholesale trade ............................................... 3.0 118 147 827 572 1,015 – –

Retail trade ...................................................... 2.6 20 10 110 239 277 – –

Utilities ............................................................. 0.2 98 58 – – 0 – –

Information ........................................................... 5.2 – 179 102 113 193 4.4 3.0

Financial activities ................................................ 2.8 126 177 – 240 458 2.8 –

Finance and insurance .................................... 2.8 65 52 448 0 240 2.8 –

See footnotes at end of table.
Table 10. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National

Compensation Survey, 2011—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 .. 2.6 $39 $268 $311 $78 $431 2.6 –

Insurance carriers and related activities ...... 3.4 – 266 337 379 503 – –

Professional and business services ..................... 3.9 89 152 215 531 579 3.9 –

Professional and technical services ................. 5.1 111 115 – – 806 – –

Education and health services ............................. 1.7 – – 634 1,195 200 1.6 0.2

Educational services ........................................ 2.0 135 147 208 – 540 – –

Junior colleges, colleges, and universities ... 1.7 0 71 161 – – 1.6 0.3

Healthcare and social assistance .................... 2.1 – – 696 978 342 2.1 0.3

Leisure and hospitality ......................................... 3.7 81 – – – 306 – –

1 to 99 workers ........................................................ 1.4 107 52 445 528 208 1.4 1 ( )

1 to 49 workers .................................................... 1.6 0 43 617 564 0 1.6 1 ( )

50 to 99 workers .................................................. 2.9 135 – 351 1,179 747 2.9 –

100 workers or more ................................................ 1.3 62 107 115 187 748 1.3 0.2

100 to 499 workers .............................................. 1.9 39 0 – 167 958 2.0 0.3

500 workers or more ............................................ 1.6 – 114 116 453 743 1.6 0.1

Geographic area

New England ........................................................... 1.7 39 188 – – 162 1.7 –

Middle Atlantic ......................................................... 4.5 – 142 45 339 978 4.6 0.1

East North Central ................................................... 1.7 28 107 129 0 242 – –

West North Central .................................................. 0.6 106 – 97 536 320 0.6 0.1

South Atlantic ........................................................... 2.4 38 82 286 1,043 424 – –

East South Central ................................................... 2.4 62 229 – 431 726 – –

West South Central .................................................. 3.0 143 – 423 713 1,253 3.0 –

Mountain .................................................................. 5.2 71 113 – – 1,458 – –

Pacific ...................................................................... 2.5 98 0 150 379 657 2.5 0.1

1 Less than 0.05. 2 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are

based on the estimates published in the "National Compensation Survey: Occupational Earnings

in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 11. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey, 2011

(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

Point-ofservice

All workers ............................................................... 100 – – 85 80 60 90 –

Worker characteristic

Management, professional, and related .................. 100 – – 88 80 60 90 –

Management, business, and financial ................. 100 12 80 88 80 60 85 –

Professional and related ...................................... 100 – – 87 80 60 100 –

Service ..................................................................... 100 – – 86 80 60 100 –

Protective service ................................................ 100 – – 97 80 60 100 –

Sales and office ....................................................... 100 – – 86 80 60 90 –

Sales and related ................................................. 100 11 80 89 80 60 90 –

Office and administrative support ........................ 100 – – 84 80 60 90 –

Natural resources, construction, and maintenance 100 – – 84 80 60 90 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 – – 85 90 70 90 –

Installation, maintenance, and repair ................... 100 – – 84 80 60 90 –

Production, transportation, and material moving ..... 100 19 80 81 80 60 90 –

Production ............................................................ 100 14 80 86 80 60 80 –

Transportation and material moving .................... 100 25 80 75 85 60 90 –

Full time ................................................................... 100 – – 86 80 60 90 –

Part time .................................................................. 100 – – 81 80 60 100 –

Union ....................................................................... 100 – – 69 90 70 100 –

Nonunion ................................................................. 100 – – 88 80 60 90 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 12 75 88 80 60 90 –

Lowest 10 percent ........................................... 100 – – 78 80 60 – –

Second 25 percent ............................................... 100 – – 88 80 60 90 –

Third 25 percent ................................................... 100 – – 83 80 60 90 –

Highest 25 percent ............................................... 100 – – 85 85 60 90 –

Highest 10 percent ........................................... 100 – – 87 85 60 90 –

Establishment characteristic

Goods-producing industries ..................................... 100 11 80 89 80 60 90 –

Construction ......................................................... 100 – – 91 85 70 – –

Manufacturing ...................................................... 100 10 80 90 80 60 80 –

Service-providing industries ..................................... 100 – – 85 80 60 90 –

Trade, transportation, and utilities ....................... 100 14 80 86 80 60 90 –

Wholesale trade ............................................... 100 – – 95 80 60 90 –

Retail trade ...................................................... 100 – – 91 80 60 90 –

Utilities ............................................................. 100 – – 92 90 65 – –

Information ........................................................... 100 27 80 73 90 60 90 –

Financial activities ................................................ 100 21 80 79 80 60 90 –

Finance and insurance .................................... 100 16 80 84 80 60 90 –

See footnotes at end of table.
Table 11. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey,

2011—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

Point-ofservice

Credit intermediation and related activities .. 100 14 80 86 80 60 80 –

Insurance carriers and related activities ...... 100 18 80 82 85 60 85 –

Professional and business services ..................... 100 24 80 76 90 65 85 –

Professional and technical services ................. 100 – – 77 90 70 – –

Education and health services ............................. 100 – – 91 80 60 100 –

Educational services ........................................ 100 – – 89 90 70 100 –

Junior colleges, colleges, and universities ... 100 – – 90 80 60 100 –

Healthcare and social assistance .................... 100 – – 92 80 60 100 –

Leisure and hospitality ......................................... 100 – – 90 80 60 – –

1 to 99 workers ........................................................ 100 14 80 86 80 60 90 –

1 to 49 workers .................................................... 100 11 80 89 80 60 90 –

50 to 99 workers .................................................. 100 19 80 81 80 60 90 –

100 workers or more ................................................ 100 – – 85 80 60 90 –

100 to 499 workers .............................................. 100 – – 85 80 60 90 –

500 workers or more ............................................ 100 – – 85 80 60 90 –

Geographic area

New England ........................................................... 100 – – 77 85 60 100 –

Middle Atlantic ......................................................... 100 – – 78 90 70 100 –

East North Central ................................................... 100 9 80 91 80 60 100 –

West North Central .................................................. 100 – – 91 80 60 80 –

South Atlantic ........................................................... 100 – – 84 80 60 90 –

East South Central ................................................... 100 – – 87 80 60 90 –

West South Central .................................................. 100 9 80 91 80 60 85 –

Mountain .................................................................. 100 – – 79 80 60 90 –

Pacific ...................................................................... 100 17 80 83 80 60 90 –

1 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are

based on the estimates published in the "National Compensation Survey: Occupational Earnings

in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 11. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National

Compensation Survey, 2011

Characteristics

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Point-ofservice

All workers ............................................................... – – 1.3 0.0 0.0 0.0 –

Worker characteristic

Management, professional, and related .................. – – 1.4 1.0 0.0 6.0 –

Management, business, and financial ................. 1.8 0.0 1.8 5.0 0.0 3.3 –

Professional and related ...................................... – – 1.9 1.0 0.0 7.3 –

Service ..................................................................... – – 3.3 0.0 0.0 0.0 –

Protective service ................................................ – – 2.1 0.0 0.0 0.0 –

Sales and office ....................................................... – – 1.9 0.0 0.0 0.0 –

Sales and related ................................................. 2.5 0.0 2.5 0.0 0.0 0.0 –

Office and administrative support ........................ – – 2.1 0.0 0.0 0.0 –

Natural resources, construction, and maintenance – – 4.8 3.3 1.0 0.0 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – 6.6 5.6 0.0 14.1 –

Installation, maintenance, and repair ................... – – 6.1 0.0 0.0 2.0 –

Production, transportation, and material moving ..... 3.1 0.0 3.1 5.0 0.0 8.3 –

Production ............................................................ 3.4 0.0 3.4 1.0 0.0 3.9 –

Transportation and material moving .................... 4.8 0.0 4.8 8.9 4.5 3.9 –

Full time ................................................................... – – 1.4 0.0 0.0 0.0 –

Part time .................................................................. – – 4.3 0.0 0.0 0.0 –

Union ....................................................................... – – 5.3 3.8 1.7 0.0 –

Nonunion ................................................................. – – 1.3 0.0 0.0 0.0 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 3.3 6.3 3.3 0.0 0.0 7.8 –

Lowest 10 percent ........................................... – – 9.0 0.0 0.0 – –

Second 25 percent ............................................... – – 2.2 0.0 0.0 0.0 –

Third 25 percent ................................................... – – 2.4 0.0 0.0 0.0 –

Highest 25 percent ............................................... – – 1.8 2.8 0.0 8.0 –

Highest 10 percent ........................................... – – 2.3 6.5 0.0 12.1 –

Establishment characteristic

Goods-producing industries ..................................... 2.5 0.0 2.5 5.3 0.0 12.4 –

Construction ......................................................... – – 3.8 6.7 12.6 – –

Manufacturing ...................................................... 2.7 0.0 2.7 4.0 0.0 13.9 –

Service-providing industries ..................................... – – 1.6 0.0 0.0 0.0 –

Trade, transportation, and utilities ....................... 2.4 0.0 2.4 0.0 0.0 0.0 –

Wholesale trade ............................................... – – 2.1 7.3 0.0 10.9 –

Retail trade ...................................................... – – 3.0 0.0 3.9 0.0 –

Utilities ............................................................. – – 5.1 6.6 7.8 – –

Information ........................................................... 7.3 8.8 7.3 0.0 11.6 0.0 –

Financial activities ................................................ 4.7 1.0 4.7 5.6 0.0 0.0 –

Finance and insurance .................................... 2.7 6.8 2.7 6.6 0.0 6.2 –

See footnotes at end of table.
Table 11. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National

Compensation Survey, 2011—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

Point-ofservice

Credit intermediation and related activities .. 3.6 6.4 3.6 0.0 0.0 9.2 –

Insurance carriers and related activities ...... 4.1 0.0 4.1 3.4 0.0 9.1 –

Professional and business services ..................... 4.7 0.0 4.7 0.0 8.1 0.0 –

Professional and technical services ................. – – 7.4 0.0 3.3 – –

Education and health services ............................. – – 2.0 0.0 0.0 6.9 –

Educational services ........................................ – – 4.9 11.7 3.3 0.0 –

Junior colleges, colleges, and universities ... – – 3.6 0.0 10.9 11.8 –

Healthcare and social assistance .................... – – 2.4 0.0 0.0 7.7 –

Leisure and hospitality ......................................... – – 4.9 0.0 0.0 – –

1 to 99 workers ........................................................ 2.5 0.0 2.5 0.0 0.0 0.0 –

1 to 49 workers .................................................... 2.0 0.0 2.0 0.0 0.0 0.0 –

50 to 99 workers .................................................. 5.6 0.0 5.6 9.6 9.2 11.3 –

100 workers or more ................................................ – – 1.5 0.0 0.0 1.0 –

100 to 499 workers .............................................. – – 2.1 0.0 0.0 5.6 –

500 workers or more ............................................ – – 2.3 5.6 0.0 4.6 –

Geographic area

New England ........................................................... – – 7.5 9.4 6.8 0.0 –

Middle Atlantic ......................................................... – – 4.5 2.2 8.3 0.0 –

East North Central ................................................... 1.7 0.0 1.7 0.0 0.0 11.2 –

West North Central .................................................. – – 2.7 0.0 0.0 9.7 –

South Atlantic ........................................................... – – 2.8 0.0 0.0 5.2 –

East South Central ................................................... – – 6.7 0.0 0.0 9.0 –

West South Central .................................................. 2.4 5.3 2.4 0.0 0.0 7.8 –

Mountain .................................................................. – – 8.8 0.0 0.0 15.3 –

Pacific ...................................................................... 4.4 0.0 4.4 2.8 0.0 0.0 –

1 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average

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

Occupational Earnings in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 12. Fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry workers, National

Compensation Survey, 2011

(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

All workers ............................................................... 100 85 $1,000 $1,400 $2,000 $2,500 $3,500 13 2

Worker characteristic

Management, professional, and related .................. 100 86 1,000 1,400 2,000 2,500 3,000 14 1 ( )

Management, business, and financial ................. 100 89 1,000 1,500 2,000 2,500 3,200 11 1 ( )

Professional and related ...................................... 100 84 1,000 1,250 2,000 2,500 3,000 16 1 ( )

Service ..................................................................... 100 82 1,000 1,500 2,000 3,000 4,650 12 5

Protective service ................................................ 100 84 1,000 1,000 – – 3,750 – –

Sales and office ....................................................... 100 87 1,000 1,500 2,000 2,500 3,600 12 2

Sales and related ................................................. 100 90 1,250 1,650 2,000 2,600 3,600 – –

Office and administrative support ........................ 100 85 1,000 1,500 2,000 2,500 3,600 14 2

Natural resources, construction, and maintenance 100 90 1,000 1,300 1,850 2,500 – 9 1

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 86 1,000 1,375 1,850 – 7,000 – –

Installation, maintenance, and repair ................... 100 93 1,000 – 1,800 2,300 3,000 – –

Production, transportation, and material moving ..... 100 82 1,000 1,000 1,750 2,500 3,500 16 2

Production ............................................................ 100 79 700 1,000 1,750 2,500 3,700 17 3

Transportation and material moving .................... 100 84 1,000 1,300 1,750 2,500 3,500 15 1 ( )

Full time ................................................................... 100 86 1,000 1,350 2,000 2,500 3,500 13 2

Part time .................................................................. 100 82 1,000 1,500 1,750 2,500 3,600 17 2

Union ....................................................................... 100 78 – 1,000 1,750 – – 19 3

Nonunion ................................................................. 100 86 1,000 1,500 2,000 2,500 3,500 12 1

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 84 1,000 1,650 2,150 2,900 4,400 – –

Lowest 10 percent ........................................... 100 84 – 2,000 2,425 – – – –

Second 25 percent ............................................... 100 86 1,000 1,500 2,000 2,500 3,600 12 2

Third 25 percent ................................................... 100 86 1,000 1,250 2,000 2,500 3,500 13 1

Highest 25 percent ............................................... 100 85 1,000 1,300 1,900 2,500 3,250 15 1

Highest 10 percent ........................................... 100 85 1,000 1,450 2,000 2,500 – 15 1 ( )

Establishment characteristic

Goods-producing industries ..................................... 100 86 900 1,000 1,800 2,500 4,000 12 2

Construction ......................................................... 100 90 – 1,375 2,100 – 7,000 – –

Manufacturing ...................................................... 100 83 – 1,000 1,700 2,250 3,350 14 2

Service-providing industries ..................................... 100 85 1,000 1,500 2,000 2,500 3,500 13 1

Trade, transportation, and utilities ....................... 100 88 1,000 1,500 2,000 2,500 3,600 10 2

Wholesale trade ............................................... 100 80 – 1,500 2,000 3,000 3,500 – –

Retail trade ...................................................... 100 92 1,250 1,650 1,850 2,750 3,600 6 2

Utilities ............................................................. 100 92 – 1,250 1,500 2,200 3,250 – –

Information ........................................................... 100 85 – 1,000 1,500 2,500 3,500 – –

Financial activities ................................................ 100 77 1,000 1,500 2,500 2,800 3,850 23 1 ( )

Finance and insurance .................................... 100 76 1,000 1,500 2,250 2,750 3,850 24 1 ( )

See footnotes at end of table.
Table 12. Fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry workers, National

Compensation Survey, 2011—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 74 $1,000 $1,500 $2,250 $2,500 $4,000 26 –

Insurance carriers and related activities ...... 100 91 1,000 1,500 2,300 2,900 3,800 – –

Professional and business services ..................... 100 85 900 1,000 1,700 2,100 2,700 15 –

Professional and technical services ................. 100 82 900 – 1,700 2,000 2,500 – –

Education and health services ............................. 100 84 1,000 1,400 2,000 2,450 3,000 16 1

Educational services ........................................ 100 77 1,000 1,250 1,750 2,500 3,000 23 –

Junior colleges, colleges, and universities ... 100 82 1,000 1,250 1,500 2,000 2,750 18 –

Healthcare and social assistance .................... 100 85 1,000 1,400 2,000 2,400 3,100 14 1

Leisure and hospitality ......................................... 100 89 1,500 2,000 2,200 3,000 5,000 – –

1 to 99 workers ........................................................ 100 84 1,000 1,500 2,000 2,500 3,500 15 2

1 to 49 workers .................................................... 100 83 1,000 1,375 2,000 2,500 3,500 15 2

50 to 99 workers .................................................. 100 85 1,000 1,500 2,000 2,500 3,500 15 1 ( )

100 workers or more ................................................ 100 87 1,000 1,300 1,800 2,500 3,600 12 2

100 to 499 workers .............................................. 100 89 1,000 1,500 2,000 2,700 3,600 9 2

500 workers or more ............................................ 100 84 750 1,000 1,750 2,500 3,400 15 1

Geographic area

New England ........................................................... 100 82 1,000 1,500 2,000 2,500 3,350 18 1 ( )

Middle Atlantic ......................................................... 100 65 – 1,000 1,650 2,500 3,000 35 1 ( )

East North Central ................................................... 100 88 1,000 1,000 1,750 2,400 3,250 11 1

West North Central .................................................. 100 94 1,000 1,500 2,000 2,600 3,500 – –

South Atlantic ........................................................... 100 89 1,000 1,500 2,000 2,500 4,000 10 1

East South Central ................................................... 100 95 – 1,250 1,650 2,500 4,400 – –

West South Central .................................................. 100 89 1,150 1,500 2,000 2,750 3,700 – –

Mountain .................................................................. 100 80 1,000 1,500 1,900 2,500 4,000 – –

Pacific ...................................................................... 100 90 900 1,250 1,850 2,500 3,500 – –

1 Less than 0.5. 2 The categories are based on the average wage for each occupation surveyed, which may include

workers with earnings both above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United States,

2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 12. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry

workers, National Compensation Survey, 2011

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

All workers ............................................................... 1.3 $0 $122 $0 $0 $145 1.2 0.5

Worker characteristic

Management, professional, and related .................. 1.9 73 177 0 55 116 1.9 0.1

Management, business, and financial ................. 1.9 20 58 0 0 281 1.9 0.1

Professional and related ...................................... 2.9 173 174 183 243 63 3.0 0.1

Service ..................................................................... 3.8 253 212 34 325 905 2.3 3.3

Protective service ................................................ 10.4 0 0 – – 831 – –

Sales and office ....................................................... 2.0 0 0 0 130 238 1.9 0.7

Sales and related ................................................. 2.7 31 72 95 180 408 – –

Office and administrative support ........................ 2.3 0 172 56 111 261 2.2 0.9

Natural resources, construction, and maintenance 2.1 0 261 203 90 – 2.1 0.4

Construction, extraction, farming, fishing, and

forestry ............................................................... 5.6 181 154 305 – 169 – –

Installation, maintenance, and repair ................... 2.1 0 – 315 297 179 – –

Production, transportation, and material moving ..... 2.8 157 103 97 100 195 2.4 1.7

Production ............................................................ 3.8 177 0 207 200 503 3.0 3.0

Transportation and material moving .................... 4.0 0 126 114 137 209 4.0 0.1

Full time ................................................................... 1.3 0 107 0 0 174 1.2 0.6

Part time .................................................................. 4.7 206 20 166 261 453 4.7 0.9

Union ....................................................................... 3.1 – 276 166 – – 3.0 1.2

Nonunion ................................................................. 1.3 0 163 0 0 104 1.2 0.6

Average wage within the following categories:1

Lowest 25 percent ............................................... 4.7 91 85 141 376 658 – –

Lowest 10 percent ........................................... 6.8 – 587 521 – – – –

Second 25 percent ............................................... 2.2 0 156 156 20 162 1.9 1.2

Third 25 percent ................................................... 1.8 0 99 142 0 20 1.8 0.5

Highest 25 percent ............................................... 1.8 55 83 121 0 329 1.8 0.2

Highest 10 percent ........................................... 2.9 145 187 80 0 – 2.9 0.1

Establishment characteristic

Goods-producing industries ..................................... 2.4 185 98 178 126 326 2.1 1.4

Construction ......................................................... 5.1 – 129 503 – 785 – –

Manufacturing ...................................................... 3.2 – 0 89 246 357 2.8 1.9

Service-providing industries ..................................... 1.5 0 122 0 0 49 1.4 0.6

Trade, transportation, and utilities ....................... 1.8 147 0 185 60 88 1.7 0.8

Wholesale trade ............................................... 6.0 – 84 0 639 39 – –

Retail trade ...................................................... 2.1 97 51 218 274 147 1.8 0.9

Utilities ............................................................. 4.5 – 69 136 278 437 – –

Information ........................................................... 4.8 – 71 215 567 113 – –

Financial activities ................................................ 3.9 71 172 260 222 485 3.9 2 ( )

Finance and insurance .................................... 5.3 0 212 229 388 324 5.3 2 ( )

See footnotes at end of table.
Table 12. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry

workers, National Compensation Survey, 2011—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 .. 4.2 $98 $279 $364 $377 $292 4.2 –

Insurance carriers and related activities ...... 3.1 0 73 230 248 735 – –

Professional and business services ..................... 4.4 118 112 152 175 106 4.4 –

Professional and technical services ................. 7.0 126 – 131 0 364 – –

Education and health services ............................. 2.9 164 213 222 430 349 2.9 0.4

Educational services ........................................ 4.8 0 67 235 592 0 4.8 –

Junior colleges, colleges, and universities ... 3.4 0 139 59 91 324 3.4 –

Healthcare and social assistance .................... 3.0 231 210 212 407 543 3.0 0.5

Leisure and hospitality ......................................... 7.3 383 48 464 824 1,146 – –

1 to 99 workers ........................................................ 2.2 0 124 0 0 389 1.9 0.9

1 to 49 workers .................................................... 2.8 0 201 0 0 342 2.4 1.3

50 to 99 workers .................................................. 3.9 85 70 20 110 815 3.9 0.1

100 workers or more ................................................ 1.5 86 92 125 0 130 1.4 0.7

100 to 499 workers .............................................. 2.2 0 34 359 210 74 1.9 1.2

500 workers or more ............................................ 1.8 186 194 132 72 291 1.8 0.1

Geographic area

New England ........................................................... 4.3 0 420 80 62 109 4.2 0.5

Middle Atlantic ......................................................... 4.1 – 0 220 312 153 4.3 0.3

East North Central ................................................... 2.1 0 265 173 243 458 2.1 0.2

West North Central .................................................. 3.7 0 74 0 333 417 – –

South Atlantic ........................................................... 2.6 28 0 0 236 676 2.6 0.5

East South Central ................................................... 2.4 – 205 366 131 513 – –

West South Central .................................................. 4.3 265 20 0 306 382 – –

Mountain .................................................................. 8.3 0 192 258 415 398 – –

Pacific ...................................................................... 2.3 122 116 130 48 307 – –

1 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are

based on the estimates published in the "National Compensation Survey: Occupational Earnings

in the United States, 2010." See Technical Note for more details. 2 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/glossary20112012.htm.
Table 13. Fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry workers, National Compensation

Survey, 2011

(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

All workers ............................................................... 100 79 $2,000 $3,000 $4,000 $5,400 $7,500 20 2

Worker characteristic

Management, professional, and related .................. 100 81 2,000 3,000 4,000 5,400 7,500 18 1 ( )

Management, business, and financial ................. 100 83 2,000 3,000 4,000 5,100 7,500 17 1 ( )

Professional and related ...................................... 100 80 2,000 3,000 4,000 5,500 7,500 19 1 ( )

Service ..................................................................... 100 72 2,125 3,000 4,000 6,000 8,900 23 5

Protective service ................................................ 100 84 3,000 3,000 – – 7,150 – –

Sales and office ....................................................... 100 81 2,000 3,000 4,000 5,500 7,700 17 2

Sales and related ................................................. 100 85 2,500 3,300 4,000 6,000 7,500 – –

Office and administrative support ........................ 100 79 2,000 2,900 4,000 5,300 8,000 19 2

Natural resources, construction, and maintenance 100 77 2,000 2,500 3,500 5,000 6,500 22 1

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 60 1,800 2,000 3,100 3,900 – – –

Installation, maintenance, and repair ................... 100 87 2,000 2,500 4,000 5,000 6,500 – –

Production, transportation, and material moving ..... 100 75 2,000 2,600 3,500 5,000 7,200 23 2

Production ............................................................ 100 74 1,900 – 3,200 5,400 7,500 23 3

Transportation and material moving .................... 100 78 2,000 2,850 4,000 5,000 7,100 22 1 ( )

Full time ................................................................... 100 79 2,000 3,000 4,000 5,400 7,500 19 2

Part time .................................................................. 100 73 2,500 3,300 4,000 4,500 6,000 26 2

Union ....................................................................... 100 60 1,500 2,000 3,400 4,800 5,500 37 3

Nonunion ................................................................. 100 82 2,000 3,000 4,000 5,500 7,500 17 1

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 76 2,700 3,300 4,200 7,000 8,900 – –

Lowest 10 percent ........................................... 100 60 3,500 4,000 4,500 – 10,000 – –

Second 25 percent ............................................... 100 81 2,000 3,000 4,000 5,400 7,500 17 2

Third 25 percent ................................................... 100 80 2,000 2,800 4,000 5,000 7,150 19 1

Highest 25 percent ............................................... 100 77 2,000 2,900 4,000 5,300 7,000 22 1

Highest 10 percent ........................................... 100 77 2,000 2,900 4,000 5,400 6,900 23 1 ( )

Establishment characteristic

Goods-producing industries ..................................... 100 75 2,000 – 3,500 5,000 7,500 23 2

Construction ......................................................... 100 67 – 2,000 3,500 5,000 10,000 – –

Manufacturing ...................................................... 100 76 2,000 – 3,400 5,000 6,700 21 2

Service-providing industries ..................................... 100 80 2,000 3,000 4,000 5,400 7,500 19 1

Trade, transportation, and utilities ....................... 100 82 2,500 3,300 4,000 5,200 7,000 17 2

Wholesale trade ............................................... 100 73 – 3,000 4,000 5,500 7,000 27 –

Retail trade ...................................................... 100 85 2,500 3,300 4,000 5,500 7,150 13 2

Utilities ............................................................. 100 83 – 3,000 4,000 5,000 6,600 – –

Information ........................................................... 100 82 – 2,500 3,400 5,850 6,750 18 –

Financial activities ................................................ 100 74 2,000 2,900 4,200 5,000 8,300 26 1 ( )

Finance and insurance .................................... 100 75 2,000 2,900 4,000 5,000 7,700 25 1 ( )

See footnotes at end of table.
Table 13. Fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry workers, National Compensation

Survey, 2011—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 73 $2,000 $3,000 $4,800 $6,600 $8,300 27 –

Insurance carriers and related activities ...... 100 88 2,000 2,900 4,000 5,000 7,000 – –

Professional and business services ..................... 100 78 2,000 2,500 3,250 4,800 6,600 22 –

Professional and technical services ................. 100 72 2,000 2,500 3,300 4,500 5,400 28 –

Education and health services ............................. 100 83 2,000 3,000 4,000 6,000 7,500 16 1

Educational services ........................................ 100 77 2,000 3,000 3,900 5,000 6,000 23 –

Junior colleges, colleges, and universities ... 100 81 2,000 2,500 3,500 4,500 6,000 19 –

Healthcare and social assistance .................... 100 85 2,000 3,000 4,000 6,000 7,500 14 1

Leisure and hospitality ......................................... 100 78 4,000 4,000 4,400 7,500 9,000 – –

1 to 99 workers ........................................................ 100 75 2,000 3,000 4,000 5,400 7,500 23 2

1 to 49 workers .................................................... 100 75 2,000 2,700 4,000 5,000 7,400 23 2

50 to 99 workers .................................................. 100 77 2,500 3,000 4,050 5,500 8,000 23 1 ( )

100 workers or more ................................................ 100 81 2,000 3,000 4,000 5,300 7,500 17 2

100 to 499 workers .............................................. 100 83 2,000 3,000 4,000 5,400 7,500 15 2

500 workers or more ............................................ 100 80 1,800 2,500 3,800 5,200 7,500 19 1

Geographic area

New England ........................................................... 100 81 3,000 3,500 4,000 5,000 6,700 19 1 ( )

Middle Atlantic ......................................................... 100 60 – 2,000 3,300 5,000 7,500 40 1 ( )

East North Central ................................................... 100 84 2,000 2,500 3,400 5,000 6,500 15 1

West North Central .................................................. 100 93 2,000 3,000 4,000 5,850 7,150 – –

South Atlantic ........................................................... 100 79 2,000 3,000 4,000 5,100 7,500 20 1

East South Central ................................................... 100 86 1,800 3,300 4,500 5,500 8,900 – –

West South Central .................................................. 100 84 2,500 3,300 4,500 6,500 8,660 – –

Mountain .................................................................. 100 69 2,000 2,700 3,550 5,500 7,600 – –

Pacific ...................................................................... 100 80 1,850 2,600 3,900 5,000 7,500 – –

1 Less than 0.5. 2 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are based on

the estimates published in the "National Compensation Survey: Occupational Earnings in the United

States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 13. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry

workers, National Compensation Survey, 2011

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

All workers ............................................................... 1.8 $0 $39 $0 $325 $102 1.7 0.5

Worker characteristic

Management, professional, and related .................. 1.9 0 88 0 386 667 1.9 0.1

Management, business, and financial ................. 2.4 0 94 0 348 848 2.4 0.1

Professional and related ...................................... 2.9 52 174 0 560 800 2.9 0.1

Service ..................................................................... 4.8 385 113 270 625 1,436 4.0 3.3

Protective service ................................................ 10.4 515 0 – – 1,459 – –

Sales and office ....................................................... 2.7 150 0 20 411 241 2.7 0.7

Sales and related ................................................. 3.3 94 10 200 694 373 – –

Office and administrative support ........................ 3.1 59 461 199 443 543 3.1 0.9

Natural resources, construction, and maintenance 4.1 93 570 691 559 936 4.2 0.4

Construction, extraction, farming, fishing, and

forestry ............................................................... 8.3 432 297 622 201 – – –

Installation, maintenance, and repair ................... 2.7 0 568 182 252 929 – –

Production, transportation, and material moving ..... 3.0 443 447 417 506 662 2.6 1.7

Production ............................................................ 3.9 454 – 321 735 836 3.2 3.0

Transportation and material moving .................... 4.1 504 363 360 355 940 4.1 0.1

Full time ................................................................... 1.7 0 116 0 230 71 1.7 0.6

Part time .................................................................. 5.0 463 362 174 369 1,047 4.9 0.9

Union ....................................................................... 5.0 215 201 287 530 231 5.1 1.2

Nonunion ................................................................. 1.6 0 0 0 205 106 1.4 0.6

Average wage within the following categories:1

Lowest 25 percent ............................................... 5.6 292 60 324 1,077 572 – –

Lowest 10 percent ........................................... 8.9 680 0 535 – 634 – –

Second 25 percent ............................................... 2.6 0 71 49 583 438 2.3 1.2

Third 25 percent ................................................... 2.4 62 359 364 39 463 2.4 0.5

Highest 25 percent ............................................... 1.9 0 210 20 380 437 1.9 0.2

Highest 10 percent ........................................... 2.1 170 271 0 397 963 2.1 0.1

Establishment characteristic

Goods-producing industries ..................................... 3.2 131 – 135 621 756 3.0 1.4

Construction ......................................................... 6.4 – 166 204 303 2,326 – –

Manufacturing ...................................................... 3.4 20 – 250 533 1,090 3.1 1.9

Service-providing industries ..................................... 1.8 0 0 0 322 165 1.8 0.6

Trade, transportation, and utilities ....................... 2.6 250 333 0 272 149 2.6 0.8

Wholesale trade ............................................... 6.0 – 0 139 587 1,008 6.0 –

Retail trade ...................................................... 3.8 124 0 663 479 433 3.8 0.9

Utilities ............................................................. 9.9 – 287 212 1,037 113 – –

Information ........................................................... 5.1 – 241 653 613 264 5.1 –

Financial activities ................................................ 3.8 0 112 382 704 729 3.8 2 ( )

Finance and insurance .................................... 5.2 78 312 124 193 223 5.2 2 ( )

See footnotes at end of table.
Table 13. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry

workers, National Compensation Survey, 2011—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 .. 4.2 $170 $468 $1,065 $1,156 $510 4.2 –

Insurance carriers and related activities ...... 3.6 139 98 144 39 888 – –

Professional and business services ..................... 4.4 171 245 612 446 1,224 4.4 –

Professional and technical services ................. 6.2 141 507 781 471 206 6.2 –

Education and health services ............................. 2.9 230 355 161 1,109 354 2.9 0.4

Educational services ........................................ 4.8 520 139 254 1,119 1,564 4.8 –

Junior colleges, colleges, and universities ... 3.6 49 625 312 397 98 3.6 –

Healthcare and social assistance .................... 3.0 382 439 178 1,004 872 3.0 0.5

Leisure and hospitality ......................................... 8.4 158 55 859 1,453 1,421 – –

1 to 99 workers ........................................................ 3.2 0 59 0 547 321 3.0 0.9

1 to 49 workers .................................................... 3.4 0 469 0 585 419 3.1 1.3

50 to 99 workers .................................................. 5.9 354 193 240 497 1,061 5.9 0.1

100 workers or more ................................................ 1.6 0 102 318 212 129 1.5 0.7

100 to 499 workers .............................................. 2.1 89 0 607 367 234 1.7 1.2

500 workers or more ............................................ 2.0 342 276 300 370 603 2.0 0.1

Geographic area

New England ........................................................... 4.3 90 573 86 354 476 4.2 0.5

Middle Atlantic ......................................................... 6.2 – 453 316 476 639 6.4 0.3

East North Central ................................................... 2.4 71 350 294 122 832 2.4 0.2

West North Central .................................................. 3.7 130 0 0 571 699 – –

South Atlantic ........................................................... 5.0 133 20 0 517 430 4.9 0.5

East South Central ................................................... 5.2 453 419 347 614 1,510 – –

West South Central .................................................. 5.0 55 166 260 1,090 777 – –

Mountain .................................................................. 7.3 0 663 580 674 1,780 – –

Pacific ...................................................................... 3.7 121 470 230 229 443 – –

1 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are

based on the estimates published in the "National Compensation Survey: Occupational Earnings

in the United States, 2010." See Technical Note for more details. 2 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/glossary20112012.htm.
Table 14. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation

Survey, 2011

(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

All workers ............................................................... 37 63 1 ( ) 17 83 – 70 30 1 ( )

Worker characteristic

Management, professional, and related .................. 35 64 1 ( ) 15 85 – 70 29 1

Management, business, and financial ................. 29 70 1 12 88 – 79 20 2

Professional and related ...................................... 39 61 – 17 83 – 65 35 1 ( )

Service ..................................................................... 22 78 – – 84 – 74 26 –

Protective service ................................................ – 98 – – 98 – 84 – –

Sales and office ....................................................... 48 52 1 ( ) 17 83 – 73 27 1 ( )

Sales and related ................................................. 69 31 – – 84 – 78 – –

Office and administrative support ........................ 41 59 1 17 83 – 70 30 1 ( )

Natural resources, construction, and maintenance 39 61 1 8 92 – 66 33 1

Construction, extraction, farming, fishing, and

forestry ............................................................... 47 51 2 – 86 – 71 – –

Installation, maintenance, and repair ................... 33 67 – – 96 – 62 38 –

Production, transportation, and material moving ..... 35 64 1 25 75 – 60 40 –

Production ............................................................ 37 61 1 23 77 – 60 40 –

Transportation and material moving .................... 31 69 – – 74 – 61 39 –

Full time ................................................................... 37 63 1 ( ) 16 84 – 70 30 1 ( )

Part time .................................................................. 33 67 – – 79 – 62 38 –

Union ....................................................................... 15 84 1 17 83 – 66 34 1

Nonunion ................................................................. 41 59 1 ( ) 17 83 – 70 29 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 31 69 – 24 76 – 84 16 –

Lowest 10 percent ........................................... 55 45 – 58 – – 79 – –

Second 25 percent ............................................... 42 57 1 17 83 – 67 33 1 ( )

Third 25 percent ................................................... 39 61 1 ( ) 14 86 – 67 33 1 ( )

Highest 25 percent ............................................... 34 66 1 ( ) 16 84 – 69 30 1

Highest 10 percent ........................................... 25 75 – – 88 – 70 28 2

Establishment characteristic

Goods-producing industries ..................................... 38 62 1 ( ) 18 82 – 62 38 1

Construction ......................................................... 42 57 1 – 82 – 79 – –

Manufacturing ...................................................... 34 66 – – 86 – 55 45 –

Service-providing industries ..................................... 36 63 1 ( ) 16 84 – 71 28 1 ( )

Trade, transportation, and utilities ....................... 43 55 2 22 78 – 68 32 –

Wholesale trade ............................................... 44 52 4 – 80 – 65 35 –

Retail trade ...................................................... 51 48 1 – 81 – 77 23 –

Utilities ............................................................. – 72 – – 84 – 62 38 –

Information ........................................................... – 76 – – 82 – 81 – –

Financial activities ................................................ – 80 – – 85 – 57 39 4

Finance and insurance .................................... 25 75 – 19 81 – 58 37 5

See footnotes at end of table.
Table 14. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation

Survey, 2011—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 .. 29 71 – – 74 – 57 43 –

Insurance carriers and related activities ...... – 73 – – 80 – 79 – –

Professional and business services ..................... 49 51 – – 77 – 79 – –

Professional and technical services ................. 58 – – 39 61 – 92 – –

Education and health services ............................. 34 66 – 11 89 – 64 36 –

Educational services ........................................ 41 59 – – 94 – 66 34 –

Junior colleges, colleges, and universities ... 25 75 – – 95 – 53 47 –

Healthcare and social assistance .................... – 69 – – 88 – 63 37 –

Leisure and hospitality ......................................... – 76 – – 89 – 86 – –

1 to 99 workers ........................................................ 48 51 1 17 83 – 72 27 1

1 to 49 workers .................................................... 51 49 – 17 83 – 73 26 1

50 to 99 workers .................................................. 41 57 3 – 84 – 71 29 1 ( )

100 workers or more ................................................ 25 75 1 ( ) 17 83 – 66 33 1 ( )

100 to 499 workers .............................................. 23 77 1 ( ) 18 82 – 77 23 1 ( )

500 workers or more ............................................ 26 74 1 ( ) 16 84 – 56 44 1 ( )

Geographic area

New England ........................................................... 50 50 – – 90 – 45 55 –

Middle Atlantic ......................................................... 46 53 1 – 80 – 51 47 2

East North Central ................................................... 26 74 – 15 85 – 66 34 –

West North Central .................................................. – 77 – – 85 – – 61 –

South Atlantic ........................................................... 66 34 – 17 83 – 64 – –

East South Central ................................................... – 75 – – 67 – 70 – –

West South Central .................................................. – – – – 70 – 82 – –

Mountain .................................................................. 52 48 – 33 67 – 82 – –

Pacific ...................................................................... 17 83 1 – 89 – 90 – –

1 Less than 0.5. 2 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are based

on the estimates published in the "National Compensation Survey: Occupational Earnings in the

United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 14. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,

National Compensation Survey, 2011

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

All workers ............................................................... 3.3 3.3 0.2 2.2 2.2 – 3.4 3.2 0.3

Worker characteristic

Management, professional, and related .................. 5.7 5.7 0.3 3.2 3.2 – 5.2 5.2 0.7

Management, business, and financial ................. 6.2 6.2 0.9 3.2 3.2 – 5.2 4.0 1.9

Professional and related ...................................... 7.4 7.4 – 4.4 4.4 – 7.4 7.4 0.1

Service ..................................................................... 5.4 5.4 – – 5.4 – 6.9 6.9 –

Protective service ................................................ – 2.8 – – 2.7 – 13.8 – –

Sales and office ....................................................... 4.8 4.8 0.4 2.9 2.9 – 4.9 4.9 0.1

Sales and related ................................................. 7.4 7.4 – – 5.1 – 7.5 – –

Office and administrative support ........................ 5.2 5.2 0.5 3.3 3.3 – 5.6 5.6 0.1

Natural resources, construction, and maintenance 7.3 7.2 0.7 2.0 2.0 – 7.6 7.8 0.7

Construction, extraction, farming, fishing, and

forestry ............................................................... 12.1 11.4 1.7 – 4.2 – 8.4 – –

Installation, maintenance, and repair ................... 9.2 9.2 – – 2.2 – 10.9 10.9 –

Production, transportation, and material moving ..... 5.6 5.4 0.9 4.6 4.6 – 5.6 5.6 –

Production ............................................................ 8.2 7.6 1.5 5.3 5.3 – 7.3 7.3 –

Transportation and material moving .................... 6.5 6.5 – – 8.8 – 7.9 7.9 –

Full time ................................................................... 3.5 3.5 0.2 2.4 2.4 – 3.6 3.4 0.3

Part time .................................................................. 7.7 7.7 – – 6.9 – 6.5 6.5 –

Union ....................................................................... 2.8 2.8 0.6 4.1 4.1 – 6.9 6.7 0.4

Nonunion ................................................................. 3.5 3.5 0.2 2.4 2.4 – 3.4 3.3 0.3

Average wage within the following categories:1

Lowest 25 percent ............................................... 7.7 7.7 – 7.1 7.1 – 4.6 4.6 –

Lowest 10 percent ........................................... 13.2 13.2 – 17.4 – – 15.1 – –

Second 25 percent ............................................... 6.5 6.6 0.7 3.5 3.5 – 6.4 6.4 0.1

Third 25 percent ................................................... 4.6 4.6 0.1 2.8 2.8 – 4.9 4.9 0.1

Highest 25 percent ............................................... 3.9 3.9 0.4 3.1 3.1 – 4.0 3.7 0.8

Highest 10 percent ........................................... 6.5 6.5 – – 4.0 – 5.6 4.4 2.1

Establishment characteristic

Goods-producing industries ..................................... 6.2 6.2 0.3 4.1 4.1 – 5.8 5.8 0.4

Construction ......................................................... 10.4 10.0 1.1 – 7.3 – 8.5 – –

Manufacturing ...................................................... 6.8 6.8 – – 4.2 – 7.3 7.3 –

Service-providing industries ..................................... 4.1 4.1 0.2 2.5 2.5 – 3.9 3.8 0.3

Trade, transportation, and utilities ....................... 5.7 5.5 1.2 5.2 5.2 – 4.1 4.1 –

Wholesale trade ............................................... 7.7 6.9 2.8 – 7.8 – 7.4 7.4 –

Retail trade ...................................................... 9.1 9.0 1.3 – 6.1 – 6.1 6.1 –

Utilities ............................................................. – 13.4 – – 13.7 – 8.9 8.9 –

Information ........................................................... – 12.1 – – 11.6 – 9.0 – –

Financial activities ................................................ – 5.9 – – 4.7 – 7.7 5.8 4.1

Finance and insurance .................................... 6.9 6.9 – 5.6 5.6 – 7.0 5.8 4.9

See footnotes at end of table.
Table 14. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,

National Compensation Survey, 2011—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 .. 7.3 7.3 – – 11.2 – 7.5 7.5 –

Insurance carriers and related activities ...... – 13.7 – – 6.4 – 11.0 – –

Professional and business services ..................... 11.9 11.9 – – 8.6 – 8.4 – –

Professional and technical services ................. 12.8 – – 10.8 10.8 – 5.4 – –

Education and health services ............................. 8.0 8.0 – 2.9 2.9 – 8.4 8.4 –

Educational services ........................................ 10.9 10.9 – – 3.2 – 8.9 8.9 –

Junior colleges, colleges, and universities ... 4.5 4.5 – – 1.8 – 5.2 5.2 –

Healthcare and social assistance .................... – 10.1 – – 3.8 – 10.5 10.5 –

Leisure and hospitality ......................................... – 10.4 – – 6.6 – 8.8 – –

1 to 99 workers ........................................................ 4.6 4.6 0.4 3.3 3.3 – 4.3 4.3 0.6

1 to 49 workers .................................................... 5.8 5.8 – 4.1 4.1 – 5.8 5.9 0.8

50 to 99 workers .................................................. 8.2 8.6 1.6 – 5.6 – 7.3 7.2 0.1

100 workers or more ................................................ 3.0 3.0 0.1 2.3 2.3 – 4.5 4.4 0.1

100 to 499 workers .............................................. 5.1 5.2 0.2 4.1 4.1 – 5.7 5.6 0.3

500 workers or more ............................................ 4.1 4.1 2 ( ) 3.2 3.2 – 4.9 4.8 2 ( )

Geographic area

New England ........................................................... 6.0 6.0 – – 5.7 – 8.2 8.2 –

Middle Atlantic ......................................................... 5.6 5.2 0.7 – 6.3 – 11.9 10.2 1.9

East North Central ................................................... 4.4 4.4 – 3.1 3.1 – 3.7 3.7 –

West North Central .................................................. – 11.1 – – 8.6 – – 14.1 –

South Atlantic ........................................................... 9.2 9.2 – 4.6 4.6 – 12.0 – –

East South Central ................................................... – 11.3 – – 15.9 – 14.8 – –

West South Central .................................................. – – – – 16.8 – 6.2 – –

Mountain .................................................................. 7.9 7.9 – 5.4 5.4 – 5.9 – –

Pacific ...................................................................... 4.2 4.2 0.5 – 3.6 – 4.5 – –

1 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are based

on the estimates published in the "National Compensation Survey: Occupational Earnings in the

United States, 2010." See Technical Note for more details. 2 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/glossary20112012.htm.
Table 15. Health maintenance organizations: Amount of annual individual out-of-pocket maximum, private industry workers, National

Compensation Survey, 2011

(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

All workers ............................................................... 100 70 – $1,500 $1,900 $2,500 $3,500 30 1 ( )

Worker characteristic

Management, professional, and related .................. 100 70 $1,000 1,500 1,750 2,500 3,500 29 1

Management, business, and financial ................. 100 79 1,000 1,500 1,750 2,000 3,500 20 2

Professional and related ...................................... 100 65 1,000 1,500 1,900 2,500 4,000 35 1 ( )

Service ..................................................................... 100 74 1,500 1,500 – – 4,000 26 –

Protective service ................................................ 100 84 1,500 1,500 – 2,000 2,000 – –

Sales and office ....................................................... 100 73 – 1,500 2,000 2,500 3,500 27 1 ( )

Sales and related ................................................. 100 78 – 1,500 2,000 2,500 3,000 – –

Office and administrative support ........................ 100 70 – 1,500 2,000 3,000 3,500 30 1 ( )

Natural resources, construction, and maintenance 100 66 1,500 1,500 2,000 2,500 3,000 33 1

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 71 – 1,500 – 3,000 – – –

Installation, maintenance, and repair ................... 100 62 1,500 2,000 2,000 2,500 2,500 38 –

Production, transportation, and material moving ..... 100 60 500 1,500 1,500 2,500 3,000 40 –

Production ............................................................ 100 60 500 – 1,500 2,500 2,500 40 –

Transportation and material moving .................... 100 61 – 1,500 1,500 – 3,500 39 –

Full time ................................................................... 100 70 – 1,500 2,000 2,500 3,500 30 1 ( )

Part time .................................................................. 100 62 1,000 1,500 1,500 – 4,000 38 –

Union ....................................................................... 100 66 – 1,500 – 2,250 – 34 1

Nonunion ................................................................. 100 70 1,500 1,500 2,000 2,500 3,500 29 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 84 1,500 1,500 1,750 2,000 – 16 –

Lowest 10 percent ........................................... 100 79 – 2,000 2,000 2,500 3,000 – –

Second 25 percent ............................................... 100 67 1,500 1,500 2,000 3,000 4,000 33 1 ( )

Third 25 percent ................................................... 100 67 – 1,500 1,900 3,000 3,500 33 1 ( )

Highest 25 percent ............................................... 100 69 1,000 1,500 1,500 2,500 3,500 30 1

Highest 10 percent ........................................... 100 70 1,000 1,500 1,500 2,500 3,000 28 2

Establishment characteristic

Goods-producing industries ..................................... 100 62 – 1,500 1,500 2,500 3,000 38 1

Construction ......................................................... 100 79 – 1,500 – 3,000 4,000 – –

Manufacturing ...................................................... 100 55 – 1,500 1,500 2,250 2,500 45 –

Service-providing industries ..................................... 100 71 – 1,500 2,000 2,500 4,000 28 1 ( )

Trade, transportation, and utilities ....................... 100 68 500 1,500 1,500 2,000 3,000 32 –

Wholesale trade ............................................... 100 65 500 – 1,500 – – 35 –

Retail trade ...................................................... 100 77 – 1,500 – 2,000 3,000 23 –

Utilities ............................................................. 100 62 1,500 1,500 1,500 1,500 1,500 38 –

Information ........................................................... 100 81 – 1,500 – 3,500 3,500 – –

Financial activities ................................................ 100 57 1,000 1,500 1,750 – 3,500 39 4

Finance and insurance .................................... 100 58 1,000 – 1,750 – 3,500 37 5

See footnotes at end of table.
Table 15. Health maintenance organizations: Amount of annual individual out-of-pocket maximum, private industry workers, National

Compensation Survey, 2011—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 57 – $1,000 $1,500 $2,000 – 43 –

Insurance carriers and related activities ...... 100 79 $1,000 1,500 2,000 – $3,500 – –

Professional and business services ..................... 100 79 1,500 1,500 2,000 4,000 4,000 – –

Professional and technical services ................. 100 92 1,500 1,500 2,500 4,000 4,000 – –

Education and health services ............................. 100 64 – 1,500 1,750 – 3,500 36 –

Educational services ........................................ 100 66 – 1,500 2,000 – 3,000 34 –

Junior colleges, colleges, and universities ... 100 53 1,000 1,500 – 2,000 2,500 47 –

Healthcare and social assistance .................... 100 63 – 1,500 – – 3,500 37 –

Leisure and hospitality ......................................... 100 86 1,500 1,500 1,850 2,000 3,000 – –

1 to 99 workers ........................................................ 100 72 1,500 1,500 2,000 3,000 4,000 27 1

1 to 49 workers .................................................... 100 73 1,500 1,500 2,000 3,000 4,000 26 1

50 to 99 workers .................................................. 100 71 – 1,500 1,500 – 3,500 29 1 ( )

100 workers or more ................................................ 100 66 1,000 1,500 1,500 2,000 3,000 33 1 ( )

100 to 499 workers .............................................. 100 77 1,500 1,500 1,500 2,000 2,500 23 1 ( )

500 workers or more ............................................ 100 56 – – 1,500 2,250 4,000 44 1 ( )

Geographic area

New England ........................................................... 100 45 1,000 1,500 2,000 2,000 2,000 55 –

Middle Atlantic ......................................................... 100 51 – 1,500 – 2,500 3,500 47 2

East North Central ................................................... 100 66 1,500 1,500 1,500 2,000 2,500 34 –

West North Central .................................................. 100 – – – – – – 61 –

South Atlantic ........................................................... 100 64 1,500 2,000 2,000 3,000 4,000 – –

East South Central ................................................... 100 70 500 – – 2,000 2,000 – –

West South Central .................................................. 100 82 1,500 1,500 – – 4,000 – –

Mountain .................................................................. 100 82 1,500 1,750 2,500 3,000 4,000 – –

Pacific ...................................................................... 100 90 1,500 1,500 1,500 3,000 3,500 – –

1 Less than 0.5. 2 The categories are based on the average wage for each occupation surveyed, which may include

workers with earnings both above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United States,

2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 15. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum, private

industry workers, National Compensation Survey, 2011

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

All workers ............................................................... 3.4 – $0 $190 $63 $537 3.2 0.3

Worker characteristic

Management, professional, and related .................. 5.2 $67 0 305 553 277 5.2 0.7

Management, business, and financial ................. 5.2 242 0 362 531 694 4.0 1.9

Professional and related ...................................... 7.4 187 0 361 590 707 7.4 0.1

Service ..................................................................... 6.9 0 0 – – 0 6.9 –

Protective service ................................................ 13.8 0 0 – 219 0 – –

Sales and office ....................................................... 4.9 – 0 0 701 98 4.9 0.1

Sales and related ................................................. 7.5 – 0 177 357 491 – –

Office and administrative support ........................ 5.6 – 0 0 855 528 5.6 0.1

Natural resources, construction, and maintenance 7.6 98 302 405 673 196 7.8 0.7

Construction, extraction, farming, fishing, and

forestry ............................................................... 8.4 – 85 – 98 – – –

Installation, maintenance, and repair ................... 10.9 0 500 310 171 707 10.9 –

Production, transportation, and material moving ..... 5.6 92 98 240 447 405 5.6 –

Production ............................................................ 7.3 81 – 260 277 613 7.3 –

Transportation and material moving .................... 7.9 – 0 392 – 325 7.9 –

Full time ................................................................... 3.6 – 0 193 149 537 3.4 0.3

Part time .................................................................. 6.5 39 367 188 – 1,059 6.5 –

Union ....................................................................... 6.9 – 139 – 486 – 6.7 0.4

Nonunion ................................................................. 3.4 403 0 240 441 367 3.3 0.3

Average wage within the following categories:1

Lowest 25 percent ............................................... 4.6 0 0 284 525 – 4.6 –

Lowest 10 percent ........................................... 15.1 – 219 148 481 570 – –

Second 25 percent ............................................... 6.4 0 0 0 685 219 6.4 0.1

Third 25 percent ................................................... 4.9 – 0 431 544 98 4.9 0.1

Highest 25 percent ............................................... 4.0 0 0 380 277 628 3.7 0.8

Highest 10 percent ........................................... 5.6 0 0 164 649 245 4.4 2.1

Establishment characteristic

Goods-producing industries ..................................... 5.8 – 0 277 0 0 5.8 0.4

Construction ......................................................... 8.5 – 0 – 0 1,057 – –

Manufacturing ...................................................... 7.3 – 0 0 444 0 7.3 –

Service-providing industries ..................................... 3.9 – 0 172 439 651 3.8 0.3

Trade, transportation, and utilities ....................... 4.1 120 354 0 0 528 4.1 –

Wholesale trade ............................................... 7.4 0 – 340 – – 7.4 –

Retail trade ...................................................... 6.1 – 0 – 0 597 6.1 –

Utilities ............................................................. 8.9 0 0 0 0 0 8.9 –

Information ........................................................... 9.0 – 147 – 803 0 – –

Financial activities ................................................ 7.7 0 277 405 – 219 5.8 4.1

Finance and insurance .................................... 7.0 0 – 389 – 832 5.8 4.9

See footnotes at end of table.
Table 15. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum, private

industry workers, National Compensation Survey, 2011—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 – $139 $264 $367 – 7.5 –

Insurance carriers and related activities ...... 11.0 $132 271 570 – $589 – –

Professional and business services ..................... 8.4 0 0 399 754 0 – –

Professional and technical services ................. 5.4 240 364 559 951 0 – –

Education and health services ............................. 8.4 – 0 486 – 367 8.4 –

Educational services ........................................ 8.9 – 0 530 – 240 8.9 –

Junior colleges, colleges, and universities ... 5.2 0 260 – 98 51 5.2 –

Healthcare and social assistance .................... 10.5 – 0 – – 0 10.5 –

Leisure and hospitality ......................................... 8.8 0 0 475 0 737 – –

1 to 99 workers ........................................................ 4.3 0 0 0 546 439 4.3 0.6

1 to 49 workers .................................................... 5.8 0 366 294 714 380 5.9 0.8

50 to 99 workers .................................................. 7.3 – 49 147 – 620 7.2 0.1

100 workers or more ................................................ 4.5 0 0 0 98 424 4.4 0.1

100 to 499 workers .............................................. 5.7 0 0 170 0 0 5.6 0.3

500 workers or more ............................................ 4.9 – – 0 585 888 4.8 2 ( )

Geographic area

New England ........................................................... 8.2 0 318 0 0 294 8.2 –

Middle Atlantic ......................................................... 11.9 – 219 – 689 491 10.2 1.9

East North Central ................................................... 3.7 240 0 325 0 0 3.7 –

West North Central .................................................. – – – – – – 14.1 –

South Atlantic ........................................................... 12.0 0 432 0 410 815 – –

East South Central ................................................... 14.8 0 – – 0 110 – –

West South Central .................................................. 6.2 450 0 – – 0 – –

Mountain .................................................................. 5.9 382 495 450 769 0 – –

Pacific ...................................................................... 4.5 277 0 138 365 694 – –

1 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are based

on the estimates published in the "National Compensation Survey: Occupational Earnings in the

United States, 2010." See Technical Note for more details. 2 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/glossary20112012.htm.
Table 16. Health maintenance organizations: Amount of annual family out-of-pocket maximum, private industry workers, National

Compensation Survey, 2011

(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

All workers ............................................................... 100 69 $3,000 $3,000 $4,000 $6,000 $8,000 30 1 ( )

Worker characteristic

Management, professional, and related .................. 100 70 2,500 3,000 4,000 6,000 8,000 30 1

Management, business, and financial ................. 100 78 – 3,000 3,500 6,000 7,000 20 2

Professional and related ...................................... 100 65 3,000 3,000 4,000 6,000 8,000 35 1 ( )

Service ..................................................................... 100 74 3,000 3,000 4,450 – 8,000 26 –

Protective service ................................................ 100 84 3,000 3,000 – – 6,000 – –

Sales and office ....................................................... 100 72 3,000 3,000 4,000 6,000 8,000 28 1 ( )

Sales and related ................................................. 100 78 – 3,000 4,000 5,000 7,000 – –

Office and administrative support ........................ 100 70 3,000 3,000 4,000 6,000 8,000 30 1 ( )

Natural resources, construction, and maintenance 100 66 3,000 3,000 6,000 – 7,500 33 1

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 71 – 3,000 – 6,000 – – –

Installation, maintenance, and repair ................... 100 62 3,000 4,000 6,000 7,500 7,500 38 –

Production, transportation, and material moving ..... 100 60 1,250 3,000 3,000 5,000 7,000 40 –

Production ............................................................ 100 60 1,000 3,000 3,000 5,000 6,000 40 –

Transportation and material moving .................... 100 61 – 3,000 3,000 – 8,000 39 –

Full time ................................................................... 100 70 3,000 3,000 4,000 6,000 8,000 30 1 ( )

Part time .................................................................. 100 62 2,500 3,000 3,000 – 8,000 38 –

Union ....................................................................... 100 66 – 3,000 3,500 5,000 – 34 1

Nonunion ................................................................. 100 70 3,000 3,000 4,000 6,000 8,000 30 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 84 3,000 3,000 4,000 6,000 8,000 16 –

Lowest 10 percent ........................................... 100 79 – 4,000 4,000 – – – –

Second 25 percent ............................................... 100 67 3,000 3,000 4,000 6,000 8,000 33 1 ( )

Third 25 percent ................................................... 100 66 – 3,000 4,000 6,000 8,000 33 1 ( )

Highest 25 percent ............................................... 100 69 2,000 3,000 3,500 5,500 8,000 30 1

Highest 10 percent ........................................... 100 70 2,000 3,000 – 5,000 7,000 28 2

Establishment characteristic

Goods-producing industries ..................................... 100 62 – 3,000 3,000 5,000 6,000 38 1

Construction ......................................................... 100 79 – 3,000 – 6,000 8,000 – –

Manufacturing ...................................................... 100 55 – 3,000 3,000 4,500 5,000 45 –

Service-providing industries ..................................... 100 71 3,000 3,000 4,000 6,000 8,000 28 1 ( )

Trade, transportation, and utilities ....................... 100 68 – 3,000 3,000 4,500 8,000 32 –

Wholesale trade ............................................... 100 65 1,000 – – – – 35 –

Retail trade ...................................................... 100 77 – 3,000 – – – 23 –

Utilities ............................................................. 100 62 3,000 3,000 3,000 – 4,500 38 –

Information ........................................................... 100 81 – 3,000 – 7,000 7,000 – –

Financial activities ................................................ 100 56 2,000 3,000 4,000 – – 40 4

Finance and insurance .................................... 100 58 2,000 3,000 4,000 – 9,000 37 5

See footnotes at end of table.
Table 16. Health maintenance organizations: Amount of annual family out-of-pocket maximum, private industry workers, National

Compensation Survey, 2011—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 56 – – $4,000 $4,500 – 44 –

Insurance carriers and related activities ...... 100 79 $2,000 $3,000 – 7,000 $9,000 – –

Professional and business services ..................... 100 79 3,000 3,000 5,000 8,000 8,000 – –

Professional and technical services ................. 100 92 3,000 3,500 5,000 8,000 8,000 – –

Education and health services ............................. 100 63 3,000 3,000 4,000 6,000 7,000 37 –

Educational services ........................................ 100 66 – – 4,000 – 6,000 34 –

Junior colleges, colleges, and universities ... 100 52 2,000 3,000 3,800 4,500 5,000 48 –

Healthcare and social assistance .................... 100 63 3,000 3,000 – 6,000 7,000 37 –

Leisure and hospitality ......................................... 100 84 3,000 – 4,500 6,000 6,000 – –

1 to 99 workers ........................................................ 100 72 3,000 3,000 4,500 7,000 8,000 27 1

1 to 49 workers .................................................... 100 73 3,000 3,500 5,000 7,000 8,000 26 1

50 to 99 workers .................................................. 100 71 – 3,000 3,000 6,000 8,000 29 1 ( )

100 workers or more ................................................ 100 66 2,400 3,000 3,000 4,500 8,000 34 1 ( )

100 to 499 workers .............................................. 100 77 3,000 3,000 3,000 4,500 6,000 23 1 ( )

500 workers or more ............................................ 100 56 – 3,000 – – 8,000 44 1 ( )

Geographic area

New England ........................................................... 100 45 2,000 3,000 4,000 4,000 – 55 –

Middle Atlantic ......................................................... 100 51 – 3,000 – 5,000 8,000 47 2

East North Central ................................................... 100 66 3,000 3,000 3,000 4,500 5,000 34 –

West North Central .................................................. 100 – – – – – – 61 –

South Atlantic ........................................................... 100 64 3,500 4,000 5,000 6,000 9,000 – –

East South Central ................................................... 100 70 1,500 – – – 6,000 – –

West South Central .................................................. 100 82 3,000 3,000 – – 8,000 – –

Mountain .................................................................. 100 81 3,000 4,000 5,000 7,500 8,000 – –

Pacific ...................................................................... 100 89 3,000 3,000 4,000 6,000 8,000 – –

1 Less than 0.5. 2 The categories are based on the average wage for each occupation surveyed, which may include

workers with earnings both above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United States,

2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 16. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum, private

industry workers, National Compensation Survey, 2011

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

All workers ............................................................... 3.4 $537 $0 $98 $0 $196 3.3 0.3

Worker characteristic

Management, professional, and related .................. 5.2 659 0 600 294 1,144 5.2 0.7

Management, business, and financial ................. 5.2 – 0 628 766 707 4.0 1.9

Professional and related ...................................... 7.4 702 0 380 471 628 7.4 0.1

Service ..................................................................... 6.9 0 0 956 – 0 6.9 –

Protective service ................................................ 13.8 0 0 – – 0 – –

Sales and office ....................................................... 4.9 799 0 170 1,604 1,210 4.9 0.1

Sales and related ................................................. 7.5 – 310 240 465 1,092 – –

Office and administrative support ........................ 5.6 667 0 460 1,727 707 5.6 0.1

Natural resources, construction, and maintenance 7.6 196 658 1,340 – 98 7.8 0.7

Construction, extraction, farming, fishing, and

forestry ............................................................... 8.4 – 196 – 196 – – –

Installation, maintenance, and repair ................... 10.9 0 1,101 797 1,691 0 10.9 –

Production, transportation, and material moving ..... 5.6 304 0 460 580 1,428 5.6 –

Production ............................................................ 7.3 232 669 519 340 1,177 7.3 –

Transportation and material moving .................... 7.9 – 0 764 – 1,127 7.9 –

Full time ................................................................... 3.6 510 0 0 0 240 3.5 0.3

Part time .................................................................. 6.5 581 98 276 – 2,278 6.5 –

Union ....................................................................... 6.9 – 0 901 1,327 – 6.7 0.4

Nonunion ................................................................. 3.5 260 0 139 240 380 3.4 0.3

Average wage within the following categories:1

Lowest 25 percent ............................................... 4.6 0 0 620 1,573 1,241 4.6 –

Lowest 10 percent ........................................... 15.1 – 378 264 – – – –

Second 25 percent ............................................... 6.4 0 0 698 1,234 0 6.4 0.1

Third 25 percent ................................................... 4.9 – 0 354 1,161 1,144 4.9 0.1

Highest 25 percent ............................................... 4.1 552 0 827 776 1,181 3.8 0.8

Highest 10 percent ........................................... 5.6 504 0 – 546 1,331 4.4 2.1

Establishment characteristic

Goods-producing industries ..................................... 5.8 – 0 620 196 0 5.8 0.4

Construction ......................................................... 8.5 – 0 – 0 2,113 – –

Manufacturing ...................................................... 7.3 – 0 98 741 0 7.3 –

Service-providing industries ..................................... 4.0 487 0 88 524 98 3.9 0.3

Trade, transportation, and utilities ....................... 4.1 – 643 196 1,256 2,194 4.1 –

Wholesale trade ............................................... 7.4 0 – – – – 7.4 –

Retail trade ...................................................... 6.1 – 0 – – – 6.1 –

Utilities ............................................................. 8.9 0 0 0 – 0 8.9 –

Information ........................................................... 9.0 – 481 – 555 0 – –

Financial activities ................................................ 7.7 193 139 665 – – 5.9 4.1

Finance and insurance .................................... 7.0 0 496 510 – 2,481 5.8 4.9

See footnotes at end of table.
Table 16. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum, private

industry workers, National Compensation Survey, 2011—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 .. 7.6 – – $450 $721 – 7.6 –

Insurance carriers and related activities ...... 11.0 $396 $308 – 1,905 $2,387 – –

Professional and business services ..................... 8.4 0 98 946 680 0 – –

Professional and technical services ................. 5.4 340 694 694 1,110 0 – –

Education and health services ............................. 8.4 0 0 623 1,330 240 8.4 –

Educational services ........................................ 8.9 – – 0 – 747 8.9 –

Junior colleges, colleges, and universities ... 5.3 0 0 1,131 405 270 5.3 –

Healthcare and social assistance .................... 10.5 0 0 – 1,654 0 10.5 –

Leisure and hospitality ......................................... 9.9 0 – 326 1,061 0 – –

1 to 99 workers ........................................................ 4.3 0 170 694 1,316 367 4.3 0.6

1 to 49 workers .................................................... 5.8 0 460 340 1,020 294 5.9 0.8

50 to 99 workers .................................................. 7.3 – 98 325 966 1,225 7.2 0.1

100 workers or more ................................................ 4.6 718 0 276 537 1,602 4.5 0.1

100 to 499 workers .............................................. 5.7 0 0 832 546 503 5.6 0.3

500 workers or more ............................................ 5.0 – 240 – – 0 5.0 2 ( )

Geographic area

New England ........................................................... 8.2 0 0 0 0 – 8.2 –

Middle Atlantic ......................................................... 11.9 – 340 – 1,348 1,788 10.3 1.9

East North Central ................................................... 3.7 310 0 687 971 819 3.7 –

West North Central .................................................. – ––––– 14.1 –

South Atlantic ........................................................... 12.0 809 0 663 1,204 374 – –

East South Central ................................................... 14.8 0 – – – 0 – –

West South Central .................................................. 6.2 899 98 – – 0 – –

Mountain .................................................................. 5.9 0 1,173 196 1,755 0 – –

Pacific ...................................................................... 4.9 98 0 1,167 1,373 754 – –

1 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are based

on the estimates published in the "National Compensation Survey: Occupational Earnings in the

United States, 2010." See Technical Note for more details. 2 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/glossary20112012.htm.
Table 17. High deductible health plans:1

 Amount of annual individual deductible, private

industry workers, National Compensation Survey, 2011

(Includes workers participating in high deductible health plans)

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... $1,250 $1,500 $2,000 $2,500 $3,000

Worker characteristic

Management, professional, and related .................. 1,200 1,500 2,000 2,500 3,000

Management, business, and financial ................. 1,250 1,500 2,000 2,500 2,750

Professional and related ...................................... 1,200 1,500 2,000 2,400 3,000

Service ..................................................................... 1,250 1,500 2,000 2,500 –

Sales and office ....................................................... 1,400 1,500 2,000 2,500 3,000

Sales and related ................................................. 1,500 1,500 2,000 2,500 3,000

Office and administrative support ........................ 1,350 1,500 1,800 2,500 2,650

Natural resources, construction, and maintenance 1,250 1,750 2,400 2,500 3,000

Installation, maintenance, and repair ................... 1,250 1,500 2,400 3,000 3,000

Production, transportation, and material moving ..... 1,250 1,500 – 2,500 3,000

Production ............................................................ 1,250 1,300 1,800 2,500 3,000

Transportation and material moving .................... 1,300 1,500 1,500 2,500 3,000

Full time ................................................................... 1,250 1,500 2,000 2,500 3,000

Part time .................................................................. 1,250 1,400 1,800 2,500 2,700

Union ....................................................................... 1,250 1,300 1,500 – 2,500

Nonunion ................................................................. 1,250 1,500 2,000 2,500 3,000

Average wage within the following categories:2

Lowest 25 percent ............................................... 1,250 1,350 2,000 2,500 –

Second 25 percent ............................................... 1,250 1,500 2,000 2,500 3,000

Third 25 percent ................................................... 1,250 1,500 2,000 2,500 3,000

Highest 25 percent ............................................... 1,250 1,500 1,750 2,500 2,500

Highest 10 percent ........................................... 1,200 1,300 2,000 2,500 2,500

Establishment characteristic

Goods-producing industries ..................................... 1,250 1,500 2,000 2,500 3,000

Construction ......................................................... 1,500 2,000 2,400 2,500 2,500

Manufacturing ...................................................... 1,250 1,350 – 2,500 3,000

Service-providing industries ..................................... 1,250 1,500 2,000 2,500 3,000

Trade, transportation, and utilities ....................... 1,250 1,500 2,500 2,500 3,000

Wholesale trade ............................................... 1,500 1,500 2,500 2,500 3,000

Retail trade ...................................................... 1,250 1,500 – 2,500 3,000

Information ........................................................... 1,200 1,200 1,250 – 2,100

Financial activities ................................................ 1,200 1,260 1,500 2,000 2,500

Finance and insurance .................................... 1,200 1,300 1,500 2,000 2,500

See footnotes at end of table.
Table 17. High deductible health plans:1

 Amount of annual individual deductible, private

industry workers, National Compensation Survey, 2011—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 .. $1,200 $1,500 $1,500 $2,100 $2,500

Insurance carriers and related activities ...... 1,200 1,260 1,500 2,000 2,500

Professional and business services ..................... 1,300 1,500 1,750 2,250 2,500

Education and health services ............................. 1,250 1,500 2,000 2,400 3,000

Healthcare and social assistance .................... 1,250 1,500 2,000 2,500 –

1 to 99 workers ........................................................ 1,250 1,500 2,000 2,500 3,000

1 to 49 workers .................................................... 1,500 1,500 2,000 2,500 3,000

50 to 99 workers .................................................. 1,250 1,500 2,000 2,500 3,000

100 workers or more ................................................ 1,200 1,300 1,500 2,400 2,700

100 to 499 workers .............................................. 1,250 1,300 1,500 2,400 3,000

500 workers or more ............................................ 1,200 1,300 1,500 2,400 2,600

Geographic area

New England ........................................................... 1,350 – 2,400 2,500 3,000

Middle Atlantic ......................................................... 1,250 1,500 2,000 2,500 –

East North Central ................................................... 1,250 1,300 2,000 2,500 2,500

West North Central .................................................. 1,250 1,500 1,750 2,500 –

South Atlantic ........................................................... 1,500 1,500 2,000 2,300 2,500

East South Central ................................................... 1,200 1,250 2,300 2,500 3,000

West South Central .................................................. 1,260 1,500 2,000 3,000 3,000

Mountain .................................................................. 1,500 2,000 – 3,000 3,000

Pacific ...................................................................... 1,250 1,250 1,500 2,500 3,000

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 $1,200 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 The categories are based on the average wage for each

occupation surveyed, which may include workers with earnings

both above and below the threshold. The average wages are based

on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2010." See Technical

Note for more details.

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/glossary20112012.htm.
Table 17. Standard errors for high deductible health plans:1

 Amount of annual individual

deductible, private industry workers, National Compensation Survey, 2011

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... $0 $0 $0 $0 $0

Worker characteristic

Management, professional, and related .................. 67 201 245 240 346

Management, business, and financial ................. 22 116 0 28 439

Professional and related ...................................... 49 261 329 468 402

Service ..................................................................... 0 152 0 0 –

Sales and office ....................................................... 180 0 167 0 345

Sales and related ................................................. 147 0 432 0 147

Office and administrative support ........................ 174 0 430 87 447

Natural resources, construction, and maintenance 268 318 465 694 0

Installation, maintenance, and repair ................... 175 298 352 522 0

Production, transportation, and material moving ..... 0 245 – 39 0

Production ............................................................ 0 206 505 422 0

Transportation and material moving .................... 269 0 141 0 410

Full time ................................................................... 0 0 0 0 0

Part time .................................................................. 71 261 445 0 294

Union ....................................................................... 10 271 0 – 0

Nonunion ................................................................. 0 0 0 0 0

Average wage within the following categories:2

Lowest 25 percent ............................................... 0 209 572 294 –

Second 25 percent ............................................... 31 0 0 104 0

Third 25 percent ................................................... 156 0 49 0 0

Highest 25 percent ............................................... 64 152 182 20 214

Highest 10 percent ........................................... 0 74 425 28 303

Establishment characteristic

Goods-producing industries ..................................... 17 169 104 98 0

Construction ......................................................... 353 88 296 0 392

Manufacturing ...................................................... 0 156 – 669 392

Service-providing industries ..................................... 0 0 36 0 88

Trade, transportation, and utilities ....................... 186 20 325 68 0

Wholesale trade ............................................... 0 393 0 701 0

Retail trade ...................................................... 0 417 – 68 555

Information ........................................................... 0 0 137 – 600

Financial activities ................................................ 10 61 0 0 42

Finance and insurance .................................... 22 163 0 94 72

See footnotes at end of table.
Table 17. Standard errors for high deductible health plans:1

 Amount of annual individual

deductible, private industry workers, National Compensation Survey, 2011—Continued

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. $69 $39 $198 $402 $93

Insurance carriers and related activities ...... 14 48 0 175 104

Professional and business services ..................... 243 0 214 352 680

Education and health services ............................. 196 0 201 252 675

Healthcare and social assistance .................... 165 94 208 109 –

1 to 99 workers ........................................................ 311 0 0 0 0

1 to 49 workers .................................................... 100 0 0 0 0

50 to 99 workers .................................................. 86 102 280 284 196

100 workers or more ................................................ 46 58 0 256 369

100 to 499 workers .............................................. 63 95 34 301 615

500 workers or more ............................................ 10 53 0 410 321

Geographic area

New England ........................................................... 150 – 446 193 572

Middle Atlantic ......................................................... 0 193 325 0 –

East North Central ................................................... 31 189 548 34 466

West North Central .................................................. 148 0 447 78 –

South Atlantic ........................................................... 175 0 237 391 586

East South Central ................................................... 28 329 479 446 399

West South Central .................................................. 189 0 572 432 0

Mountain .................................................................. 193 286 – 546 0

Pacific ...................................................................... 33 182 126 421 680

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 $1,200 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 The categories are based on the average wage for each

occupation surveyed, which may include workers with earnings

both above and below the threshold. The average wages are based

on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2010." See Technical

Note for more details.

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/glossary20112012.htm.
Table 18. Outpatient prescription drug benefits:1

 Type of coverage, private industry

workers, National Compensation Survey, 2011

(All workers participating in outpatient prescription drug plans = 100 percent)

Characteristics Generic

drugs

Brand-name

drugs

Mail order

drugs

Coverage for

formulary drugs

All workers ............................................................... 100 99 84 79

Worker characteristic

Management, professional, and related .................. 100 98 88 85

Management, business, and financial ................. 100 98 87 86

Professional and related ...................................... 100 98 88 85

Service ..................................................................... 100 100 83 72

Protective service ................................................ 100 99 73 71

Sales and office ....................................................... 100 99 83 82

Sales and related ................................................. 100 98 82 78

Office and administrative support ........................ 100 99 84 83

Natural resources, construction, and maintenance 100 99 77 66

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 100 66 60

Installation, maintenance, and repair ................... 100 99 83 70

Production, transportation, and material moving ..... 100 99 84 77

Production ............................................................ 100 99 83 76

Transportation and material moving .................... 100 99 85 78

Full time ................................................................... 100 99 85 80

Part time .................................................................. 100 100 78 71

Union ....................................................................... 100 100 84 67

Nonunion ................................................................. 100 99 84 82

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 99 81 73

Lowest 10 percent ........................................... 100 99 58 –

Second 25 percent ............................................... 100 99 85 82

Third 25 percent ................................................... 100 98 82 79

Highest 25 percent ............................................... 100 99 87 81

Highest 10 percent ........................................... 100 99 90 85

Establishment characteristic

Goods-producing industries ..................................... 100 100 82 74

Construction ......................................................... 100 100 68 67

Manufacturing ...................................................... 100 100 85 75

Service-providing industries ..................................... 100 99 85 81

Trade, transportation, and utilities ....................... 100 99 78 83

Wholesale trade ............................................... 100 96 69 72

Retail trade ...................................................... 100 100 75 86

Utilities ............................................................. 100 93 94 82

Information ........................................................... 100 100 96 90

Financial activities ................................................ 100 99 93 84

Finance and insurance .................................... 100 99 94 88

See footnotes at end of table.
Table 18. Outpatient prescription drug benefits:1

 Type of coverage, private industry

workers, National Compensation Survey, 2011—Continued

(All workers participating in outpatient prescription drug plans = 100 percent)

Characteristics Generic

drugs

Brand-name

drugs

Mail order

drugs

Coverage for

formulary drugs

Credit intermediation and related activities .. 100 98 90 89

Insurance carriers and related activities ...... 100 100 96 87

Professional and business services ..................... 100 100 86 81

Professional and technical services ................. 100 100 82 84

Education and health services ............................. 100 97 86 79

Educational services ........................................ 100 100 82 82

Junior colleges, colleges, and universities ... 100 100 79 82

Healthcare and social assistance .................... 100 97 87 78

Leisure and hospitality ......................................... 100 99 92 76

1 to 99 workers ........................................................ 100 98 77 73

1 to 49 workers .................................................... 100 99 77 70

50 to 99 workers .................................................. 100 98 79 80

100 workers or more ................................................ 100 99 90 85

100 to 499 workers .............................................. 100 99 87 82

500 workers or more ............................................ 100 99 94 88

Geographic area

New England ........................................................... 100 100 92 91

Middle Atlantic ......................................................... 100 99 86 82

East North Central ................................................... 100 99 83 72

West North Central .................................................. 100 100 81 85

South Atlantic ........................................................... 100 99 80 78

East South Central ................................................... 100 99 87 83

West South Central .................................................. 100 96 87 86

Mountain .................................................................. 100 100 82 81

Pacific ...................................................................... 100 100 87 76

1 Outpatient prescription drug benefits include both

stand-alone drug plans and prescription drug benefits included

as part of a medical plan. 2 The categories are based on the average wage for each

occupation surveyed, which may include workers with earnings

both above and below the threshold. The average wages are

based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2010." See Technical Note for more details.

NOTE: For definitions of major plans, key provisions, and

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

www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 18. Standard errors for outpatient prescription drug benefits:1

 Type of

coverage, private industry workers, National Compensation Survey, 2011

Characteristics Generic

drugs

Brand-name

drugs

Mail order

drugs

Coverage for

formulary drugs

All workers ............................................................... 2 ( ) 0.4 1.4 1.4

Worker characteristic

Management, professional, and related .................. 0.1 0.8 1.5 2.3

Management, business, and financial ................. 0.1 0.9 2.2 2.2

Professional and related ...................................... 0.2 1.2 2.0 3.2

Service ..................................................................... 0.1 0.2 3.0 4.4

Protective service ................................................ 2 ( ) 0.8 17.2 18.1

Sales and office ....................................................... 0.1 0.6 2.2 2.1

Sales and related ................................................. 0.1 1.2 3.3 3.3

Office and administrative support ........................ 2 ( ) 0.4 2.3 2.6

Natural resources, construction, and maintenance 2 ( ) 0.4 4.4 4.3

Construction, extraction, farming, fishing, and

forestry ............................................................... 2 ( ) 2 ( ) 9.0 8.0

Installation, maintenance, and repair ................... 2 ( ) 0.7 3.5 5.0

Production, transportation, and material moving ..... 2 ( ) 0.4 2.9 2.9

Production ............................................................ 2 ( ) 0.3 4.3 4.1

Transportation and material moving .................... 2 ( ) 0.5 2.5 3.6

Full time ................................................................... 0.1 0.4 1.4 1.4

Part time .................................................................. 2 ( ) 2 ( ) 4.7 5.2

Union ....................................................................... 0.3 0.3 4.3 4.7

Nonunion ................................................................. 2 ( ) 0.4 1.3 1.3

Average wage within the following categories:3

Lowest 25 percent ............................................... 2 ( ) 0.7 4.2 4.6

Lowest 10 percent ........................................... 2 ( ) 0.5 8.0 –

Second 25 percent ............................................... 2 ( ) 0.3 1.7 2.1

Third 25 percent ................................................... 0.1 0.7 2.2 2.4

Highest 25 percent ............................................... 0.1 0.4 1.6 1.7

Highest 10 percent ........................................... 0.1 0.2 1.9 1.6

Establishment characteristic

Goods-producing industries ..................................... 2 ( ) 0.1 3.3 3.1

Construction ......................................................... 2 ( ) 2 ( ) 6.6 6.1

Manufacturing ...................................................... 2 ( ) 0.2 3.4 3.6

Service-providing industries ..................................... 0.1 0.5 1.3 1.4

Trade, transportation, and utilities ....................... 2 ( ) 0.7 2.3 2.4

Wholesale trade ............................................... 2 ( ) 2.8 5.2 5.9

Retail trade ...................................................... 2 ( ) 0.1 4.1 3.4

Utilities ............................................................. 2 ( ) 3.0 5.1 5.6

Information ........................................................... 0.4 0.4 2.2 3.0

Financial activities ................................................ 0.3 0.8 1.4 2.6

Finance and insurance .................................... 0.3 0.8 1.5 1.8

See footnotes at end of table.
Table 18. Standard errors for outpatient prescription drug benefits:1

 Type of

coverage, private industry workers, National Compensation Survey,

2011—Continued

Characteristics Generic

drugs

Brand-name

drugs

Mail order

drugs

Coverage for

formulary drugs

Credit intermediation and related activities .. 2 ( ) 1.7 3.2 3.4

Insurance carriers and related activities ...... 0.1 0.2 1.5 3.0

Professional and business services ..................... 2 ( ) 2 ( ) 3.6 4.0

Professional and technical services ................. 2 ( ) 2 ( ) 4.9 5.2

Education and health services ............................. 0.2 1.8 2.3 4.0

Educational services ........................................ 2 ( ) 2 ( ) 4.8 4.3

Junior colleges, colleges, and universities ... 2 ( ) 2 ( ) 5.0 3.9

Healthcare and social assistance .................... 0.3 2.2 2.8 4.7

Leisure and hospitality ......................................... 2 ( ) 0.6 3.5 6.7

1 to 99 workers ........................................................ 2 ( ) 0.8 2.3 2.4

1 to 49 workers .................................................... 2 ( ) 0.6 2.6 3.0

50 to 99 workers .................................................. 2 ( ) 2.1 4.4 4.1

100 workers or more ................................................ 0.1 0.2 1.2 1.3

100 to 499 workers .............................................. 2 ( ) 0.3 1.9 1.9

500 workers or more ............................................ 0.2 0.2 1.1 1.6

Geographic area

New England ........................................................... 2 ( ) 2 ( ) 2.0 2.3

Middle Atlantic ......................................................... 0.3 0.2 1.5 4.9

East North Central ................................................... 2 ( ) 0.5 3.2 3.9

West North Central .................................................. 2 ( ) 0.2 5.0 3.5

South Atlantic ........................................................... 2 ( ) 0.8 5.0 2.9

East South Central ................................................... 2 ( ) 0.6 3.4 4.8

West South Central .................................................. 0.3 3.0 2.2 3.0

Mountain .................................................................. 2 ( ) 2 ( ) 5.2 4.7

Pacific ...................................................................... 2 ( ) 0.3 2.9 3.3

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 The categories are based on the average wage for each

occupation surveyed, which may include workers with earnings

both above and below the threshold. The average wages are

based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2010." See Technical Note for more details.

NOTE: For definitions of major plans, key provisions, and

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

www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 19. Outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, National Compensation

Survey, 2011

(All workers participating in outpatient prescription drug plans with a generic drug or brand-name drug provision = 100 percent)

Characteristics

Generic drugs2 Brand-name drugs3

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

All workers ............................................................... 84 14 2 $10 80 18 2 $30

Worker characteristic

Management, professional, and related .................. 86 13 1 10 82 17 1 25

Management, business, and financial ................. 86 12 2 10 80 18 2 25

Professional and related ...................................... 86 14 4 ( ) 10 83 16 4 ( ) 25

Service ..................................................................... 85 13 3 10 84 13 3 30

Protective service ................................................ 60 – – 10 55 – – 25

Sales and office ....................................................... 85 12 3 10 81 17 2 30

Sales and related ................................................. 86 11 3 10 83 15 2 30

Office and administrative support ........................ 85 12 3 10 80 18 2 30

Natural resources, construction, and maintenance 77 21 2 10 75 23 2 30

Construction, extraction, farming, fishing, and

forestry ............................................................... 82 15 3 10 86 – – 25

Installation, maintenance, and repair ................... 74 25 2 10 69 30 1 30

Production, transportation, and material moving ..... 82 16 2 10 77 21 2 25

Production ............................................................ 80 18 2 10 75 24 2 25

Transportation and material moving .................... 83 14 3 10 80 17 3 30

Full time ................................................................... 84 14 2 10 81 18 2 30

Part time .................................................................. 82 16 1 10 77 21 1 30

Union ....................................................................... 78 21 1 10 78 21 1 25

Nonunion ................................................................. 85 13 2 10 81 17 2 30

Average wage within the following categories:5

Lowest 25 percent ............................................... 87 11 1 10 83 15 2 30

Lowest 10 percent ........................................... 79 – – 10 72 26 2 30

Second 25 percent ............................................... 85 13 2 10 81 17 2 30

Third 25 percent ................................................... 82 16 3 10 79 19 2 30

Highest 25 percent ............................................... 84 14 1 10 80 18 1 25

Highest 10 percent ........................................... 87 12 1 10 82 18 1 25

Establishment characteristic

Goods-producing industries ..................................... 83 15 2 10 78 20 2 25

Construction ......................................................... 87 13 – 10 87 – – 30

Manufacturing ...................................................... 81 17 3 10 73 24 3 25

Service-providing industries ..................................... 84 14 2 10 81 17 2 30

Trade, transportation, and utilities ....................... 85 12 2 10 82 16 2 30

Wholesale trade ............................................... 75 16 8 10 76 18 6 30

Retail trade ...................................................... 89 10 4 ( ) 10 83 16 4 ( ) 30

Utilities ............................................................. 76 23 1 – 68 31 1 –

Information ........................................................... 88 12 4 ( ) 10 82 18 4 ( ) 25

Financial activities ................................................ 81 15 4 10 69 28 3 30

Finance and insurance .................................... 84 11 5 10 69 27 4 30

See footnotes at end of table.
Table 19. Outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, National Compensation

Survey, 2011—Continued

(All workers participating in outpatient prescription drug plans with a generic drug or brand-name drug provision = 100 percent)

Characteristics

Generic drugs2 Brand-name drugs3

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Credit intermediation and related activities .. 82 10 8 $10 63 31 6 $30

Insurance carriers and related activities ...... 86 13 1 10 75 24 1 30

Professional and business services ..................... 84 15 1 10 80 19 1 25

Professional and technical services ................. 84 15 1 10 80 19 1 25

Education and health services ............................. 84 15 1 10 85 13 1 30

Educational services ........................................ 89 – – 10 91 – – 25

Junior colleges, colleges, and universities ... 87 12 4 ( ) 10 88 12 1 25

Healthcare and social assistance .................... 83 15 2 10 84 14 2 30

Leisure and hospitality ......................................... 88 – – 10 89 – – 25

1 to 99 workers ........................................................ 83 15 3 10 81 17 2 30

1 to 49 workers .................................................... 81 16 3 10 78 20 3 30

50 to 99 workers .................................................. 86 12 1 10 87 12 1 30

100 workers or more ................................................ 85 13 1 10 80 18 1 25

100 to 499 workers .............................................. 85 13 2 10 81 17 2 25

500 workers or more ............................................ 85 14 1 10 79 20 1 25

Geographic area

New England ........................................................... 86 – – 10 86 – – 25

Middle Atlantic ......................................................... 85 – – 10 80 19 1 30

East North Central ................................................... 75 23 2 10 72 26 2 30

West North Central .................................................. 86 14 4 ( ) 10 76 24 4 ( ) 30

South Atlantic ........................................................... 85 12 4 10 83 14 3 30

East South Central ................................................... 83 17 4 ( ) 10 80 19 4 ( ) 30

West South Central .................................................. 89 – – 10 81 16 3 30

Mountain .................................................................. 84 – – 10 82 14 4 30

Pacific ...................................................................... 88 12 1 10 88 11 1 25

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

provision equals 100 percent. 4 Less than 0.5. 5 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are based

on the estimates published in the "National Compensation Survey: Occupational Earnings in the

United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 19. Standard errors for outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, National

Compensation Survey, 2011

Characteristics

Generic drugs Brand-name drugs

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

All workers ............................................................... 1.2 1.1 0.4 $0 1.3 1.2 0.4 $0

Worker characteristic

Management, professional, and related .................. 1.9 1.9 0.2 0 1.9 1.9 0.3 2

Management, business, and financial ................. 2.2 2.0 0.7 0 2.5 2.4 0.7 1

Professional and related ...................................... 2.6 2.6 0.1 0 2.6 2.6 0.1 5

Service ..................................................................... 3.3 3.0 0.9 0 3.1 2.9 0.9 2

Protective service ................................................ 16.4 – – 1 16.2 – – 3

Sales and office ....................................................... 2.0 1.8 0.8 0 2.3 2.2 0.6 0

Sales and related ................................................. 2.7 2.2 1.8 0 2.9 2.5 1.6 0

Office and administrative support ........................ 2.3 2.3 0.6 0 2.7 2.6 0.5 0

Natural resources, construction, and maintenance 4.0 3.9 0.8 0 4.2 4.0 0.7 0

Construction, extraction, farming, fishing, and

forestry ............................................................... 4.3 4.0 1.7 0 5.0 – – 7

Installation, maintenance, and repair ................... 5.5 5.6 0.8 0 5.4 5.4 0.5 0

Production, transportation, and material moving ..... 3.0 2.9 1.0 0 3.2 3.1 1.0 3

Production ............................................................ 4.5 4.4 1.0 0 4.5 4.5 1.1 0

Transportation and material moving .................... 3.0 2.5 1.7 0 3.4 2.9 1.8 5

Full time ................................................................... 1.2 1.1 0.4 0 1.3 1.3 0.4 0

Part time .................................................................. 3.2 3.3 0.6 0 3.9 3.9 0.6 6

Union ....................................................................... 3.0 3.0 0.7 0 3.1 3.1 0.7 4

Nonunion ................................................................. 1.2 1.1 0.4 0 1.3 1.3 0.4 0

Average wage within the following categories:2

Lowest 25 percent ............................................... 2.3 2.3 0.4 0 3.0 3.0 0.4 0

Lowest 10 percent ........................................... 6.7 – – 0 7.7 7.6 1.1 2

Second 25 percent ............................................... 1.9 1.9 0.6 0 1.9 1.8 0.6 0

Third 25 percent ................................................... 1.8 1.7 0.7 0 2.0 1.9 0.6 1

Highest 25 percent ............................................... 1.6 1.6 0.5 0 1.7 1.7 0.5 0

Highest 10 percent ........................................... 2.0 2.0 0.2 0 2.0 2.0 0.2 0

Establishment characteristic

Goods-producing industries ..................................... 3.0 2.9 0.8 0 3.2 3.1 0.8 2

Construction ......................................................... 3.6 3.6 – 0 4.0 – – 2

Manufacturing ...................................................... 3.9 3.7 1.1 0 4.2 4.0 1.1 0

Service-providing industries ..................................... 1.4 1.3 0.4 0 1.4 1.4 0.4 0

Trade, transportation, and utilities ....................... 2.1 1.8 1.2 0 2.1 2.0 1.1 0

Wholesale trade ............................................... 5.8 4.3 4.6 0 5.5 4.4 4.0 4

Retail trade ...................................................... 2.5 2.5 0.3 0 3.0 3.1 0.3 0

Utilities ............................................................. 6.7 6.6 1.0 – 8.2 8.1 1.1 –

Information ........................................................... 3.4 3.4 3 ( ) 4 ( ) 4.0 4.0 3 () 0

Financial activities ................................................ 3.1 2.9 1.3 0 3.4 3.1 0.8 0

Finance and insurance .................................... 2.0 1.3 1.5 0 2.9 2.4 0.9 0

See footnotes at end of table.
Table 19. Standard errors for outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, National

Compensation Survey, 2011—Continued

Characteristics

Generic drugs Brand-name drugs

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Credit intermediation and related activities .. 3.4 1.8 2.7 $0 4.1 3.7 1.7 $0

Insurance carriers and related activities ...... 2.9 2.8 0.6 0 3.5 3.4 0.5 0

Professional and business services ..................... 3.1 3.0 0.6 0 3.2 3.2 0.6 1

Professional and technical services ................. 3.3 3.2 1.0 0 3.3 3.2 1.0 1

Education and health services ............................. 3.6 3.5 0.6 0 3.3 3.3 0.6 2

Educational services ........................................ 3.8 – – 0 2.6 – – 5

Junior colleges, colleges, and universities ... 3.4 3.4 0.3 0 3.2 3.2 0.3 2

Healthcare and social assistance .................... 4.2 4.2 0.7 0 4.0 4.0 0.7 2

Leisure and hospitality ......................................... 4.7 – – 0 4.3 – – 5

1 to 99 workers ........................................................ 1.7 1.6 0.7 0 1.8 1.7 0.6 0

1 to 49 workers .................................................... 2.0 1.9 0.9 0 2.2 2.1 0.8 2

50 to 99 workers .................................................. 3.3 3.3 0.9 0 2.9 2.8 0.9 1

100 workers or more ................................................ 1.7 1.6 0.3 0 1.9 1.8 0.4 0

100 to 499 workers .............................................. 2.4 2.3 0.5 0 2.7 2.6 0.5 0

500 workers or more ............................................ 1.9 1.9 0.4 0 2.3 2.3 0.4 0

Geographic area

New England ........................................................... 6.6 – – 0 6.2 – – 4

Middle Atlantic ......................................................... 4.6 – – 0 5.0 4.7 0.5 6

East North Central ................................................... 3.6 3.6 0.6 0 4.0 4.0 0.6 5

West North Central .................................................. 2.2 2.3 0.5 0 2.6 2.8 0.5 0

South Atlantic ........................................................... 2.1 1.9 1.7 0 2.4 2.1 1.6 1

East South Central ................................................... 4.3 4.2 0.2 0 5.2 5.2 0.2 0

West South Central .................................................. 3.0 – – 0 4.2 3.6 1.4 0

Mountain .................................................................. 3.4 – – 0 3.6 4.0 2.4 0

Pacific ...................................................................... 3.1 3.0 0.3 0 3.2 3.0 0.3 0

1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription

drug benefits included as part of a medical plan. 2 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are based

on the estimates published in the "National Compensation Survey: Occupational Earnings in the

United States, 2010." See Technical Note for more details.

3 Less than 0.05. 4 Less than 0.5.

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/glossary20112012.htm.
Additional Provisions Tables 

Types of Benefits: 

 Medical care benefits

 Fee-for-service plans

 Health maintenance organizations

 Selected benefits by type of plan

 Mental healthcare and substance abuse treatment benefits

 Dental care benefits

 Vision care benefits
Table 20. Medical care benefits: Eligibility requirements, private industry workers, National Compensation Survey, 2011

(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)

All workers ............................................................... 100 61 25 5 22 8 1 – 25 14

Worker characteristic

Management, professional, and related .................. 100 49 27 4 15 2 1 1 35 16

Professional and related ...................................... 100 53 28 – 18 – 1 – 34 14

Service ..................................................................... 100 71 23 – 29 10 – 3 15 13

Protective service ................................................ 100 63 – – – – – – – –

Sales and office ....................................................... 100 63 25 6 22 10 1 – 23 14

Sales and related ................................................. 100 65 16 – 26 19 – 3 20 15

Office and administrative support ........................ 100 62 29 – 19 6 – – 24 14

Natural resources, construction, and maintenance 100 69 22 5 24 17 1 3 15 15

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 72 13 – 23 30 – 3 11 17

Installation, maintenance, and repair ................... 100 68 28 – 26 – 1 ( ) – 18 14

Production, transportation, and material moving ..... 100 69 24 8 28 10 1 ( ) 3 20 11

Production ............................................................ 100 68 28 8 24 8 1 ( ) – 22 10

Transportation and material moving .................... 100 70 18 – 32 13 – 3 18 11

Full time ................................................................... 100 61 26 5 22 7 1 – 25 14

Part time .................................................................. 100 63 14 – 15 24 – 3 23 14

Union ....................................................................... 100 58 15 – 22 17 – 3 33 9

Nonunion ................................................................. 100 62 26 6 22 7 1 2 23 15

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 72 16 – 31 15 – 3 12 16

Lowest 10 percent ........................................... 100 76 – – 19 25 1 ( ) 3 – –

Second 25 percent ............................................... 100 68 26 6 26 10 1 3 19 13

Third 25 percent ................................................... 100 63 26 5 23 7 1 – 24 13

Highest 25 percent ............................................... 100 51 26 4 14 6 1 – 34 16

Highest 10 percent ........................................... 100 47 28 – 11 – – 1 36 16

Establishment characteristic

Goods-producing industries ..................................... 100 65 22 8 24 11 1 ( ) 3 22 14

Manufacturing ...................................................... 100 63 23 9 23 7 – – 26 12

Service-providing industries ..................................... 100 60 25 5 21 7 1 – 26 14

Trade, transportation, and utilities ....................... 100 69 17 4 30 17 1 ( ) 3 20 11

Wholesale trade ............................................... 100 67 35 – 21 – 1 ( ) – 18 15

Retail trade ...................................................... 100 75 9 – 32 29 – 3 13 12

Utilities ............................................................. 100 47 28 – – – 1 ( ) – 49 4

Financial activities ................................................ 100 52 35 – 10 – 1 ( ) 1 33 15

Finance and insurance .................................... 100 48 37 – – – 1 ( ) 1 36 16

Credit intermediation and related activities .. 100 55 42 – – – – 1 32 13

Professional and business services ..................... 100 47 22 – 14 – 4 – 37 16

See footnotes at end of table.
Table 20. Medical care benefits: Eligibility requirements, private industry workers, National Compensation Survey, 2011—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)

Professional and technical services ................. 100 43 20 – – – 6 – 44 14

Education and health services ............................. 100 65 38 – 19 – 1 ( ) 1 21 14

Educational services:

 Junior colleges, colleges, and universities ... 100 53 39 – 12 – – 1 39 8

Healthcare and social assistance .................... 100 69 41 – 19 – 1 ( ) 1 18 13

Leisure and hospitality ......................................... 100 76 – – 41 14 3 3 – –

1 to 99 workers ........................................................ 100 67 25 5 29 6 2 3 19 14

1 to 49 workers .................................................... 100 67 26 4 29 5 3 3 18 15

50 to 99 workers .................................................. 100 67 23 – 28 – 1 ( ) 3 22 11

100 workers or more ................................................ 100 56 25 6 16 9 1 ( ) 2 29 14

100 to 499 workers .............................................. 100 62 26 6 18 13 1 ( ) – 24 14

500 workers or more ............................................ 100 49 23 – 14 5 – 2 36 15

Geographic area

Middle Atlantic ......................................................... 100 54 19 – 18 9 – – 29 17

East North Central ................................................... 100 62 25 – 24 7 – – 23 14

West North Central .................................................. 100 67 32 – 27 – 1 ( ) – 20 13

South Atlantic ........................................................... 100 60 22 – 24 10 – 3 26 13

East South Central ................................................... 100 72 30 – 27 – 1 – 17 11

West South Central .................................................. 100 77 31 8 29 6 3 – 17 6

Mountain .................................................................. 100 66 25 – 24 – 1 – 23 11

Pacific ...................................................................... 100 51 24 – 14 8 – – 32 17

1 Less than 0.5. 2 The categories are based on the average wage for each occupation surveyed, which may include

workers with earnings both above and below the threshold. The average wages are based on the estimates

published in the "National Compensation Survey: Occupational Earnings in the United States, 2010." See

Technical Note for more details.

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/glossary20112012.htm.
Table 20. Standard errors for medical care benefits: Eligibility requirements, private industry workers, National Compensation

Survey, 2011

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)

All workers ............................................................... 1.5 1.4 0.9 1.4 0.8 0.3 – 1.3 0.9

Worker characteristic

Management, professional, and related .................. 3.0 2.3 1.0 2.6 0.4 0.5 0.0 2.7 1.4

Professional and related ...................................... 3.9 3.1 – 3.8 – 0.9 – 3.7 1.8

Service ..................................................................... 4.6 3.7 – 4.4 2.2 – 0.0 4.0 3.8

Protective service ................................................ 13.4 – – – – – – – –

Sales and office ....................................................... 2.0 2.3 1.5 1.7 1.2 0.4 – 1.9 1.6

Sales and related ................................................. 3.2 2.7 – 2.5 2.4 – 0.0 2.7 2.8

Office and administrative support ........................ 2.3 2.8 – 2.1 1.1 – – 2.3 1.6

Natural resources, construction, and maintenance 3.3 4.2 1.2 3.2 3.9 0.6 0.0 2.4 2.9

Construction, extraction, farming, fishing, and

forestry ............................................................... 4.8 3.2 – 5.6 8.1 – 0.4 2.6 4.6

Installation, maintenance, and repair ................... 4.8 6.0 – 4.0 – 0.1 – 3.6 3.9

Production, transportation, and material moving ..... 3.2 3.1 1.7 3.3 1.5 0.2 0.0 2.4 1.6

Production ............................................................ 3.8 4.5 2.2 3.9 1.7 1 ( ) – 3.2 1.7

Transportation and material moving .................... 4.0 3.6 – 4.9 2.8 – 0.0 2.9 3.0

Full time ................................................................... 1.6 1.4 0.9 1.5 0.8 0.3 – 1.4 0.9

Part time .................................................................. 4.3 3.1 – 2.6 3.0 – 0.0 4.0 3.4

Union ....................................................................... 3.7 2.2 – 3.4 3.2 – 0.0 3.5 1.5

Nonunion ................................................................. 1.6 1.6 0.9 1.7 0.7 0.4 0.3 1.4 1.0

Average wage within the following categories:2

Lowest 25 percent ............................................... 3.6 3.2 – 4.4 2.3 – 0.0 2.5 3.1

Lowest 10 percent ........................................... 6.5 – – 3.8 5.9 0.3 0.6 – –

Second 25 percent ............................................... 3.1 1.9 1.2 2.8 1.3 0.4 0.3 2.6 2.2

Third 25 percent ................................................... 2.0 2.2 1.1 2.1 1.2 0.3 – 2.0 1.2

Highest 25 percent ............................................... 2.1 1.8 0.9 1.2 1.1 0.5 – 1.9 1.2

Highest 10 percent ........................................... 2.8 2.9 – 1.5 – – 0.0 2.8 1.9

Establishment characteristic

Goods-producing industries ..................................... 3.2 2.9 1.6 2.6 2.1 0.2 0.4 3.0 1.7

Manufacturing ...................................................... 4.2 3.6 2.2 3.2 1.9 – – 4.0 2.2

Service-providing industries ..................................... 1.7 1.6 1.0 1.7 0.8 0.4 – 1.5 1.1

Trade, transportation, and utilities ....................... 2.6 2.3 1.0 2.8 1.6 0.2 0.0 2.0 2.2

Wholesale trade ............................................... 5.7 6.1 – 4.2 – 0.1 – 4.5 3.7

Retail trade ...................................................... 3.4 2.3 – 3.2 3.2 – 0.0 2.8 2.9

Utilities ............................................................. 7.3 7.2 – – – 0.2 – 7.6 3.5

Financial activities ................................................ 3.1 3.1 – 2.5 – 0.1 0.0 3.7 3.0

Finance and insurance .................................... 3.8 3.2 – – – 0.1 0.0 4.3 2.9

Credit intermediation and related activities .. 4.7 5.1 – – – – 0.0 4.6 4.5

Professional and business services ..................... 4.6 3.2 – 3.5 – 1.8 – 3.9 3.1

See footnotes at end of table.
Table 20. Standard errors for medical care benefits: Eligibility requirements, private industry workers, National Compensation

Survey, 2011—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)

Professional and technical services ................. 6.5 4.4 – – – 3.3 – 5.9 4.0

Education and health services ............................. 4.7 4.0 – 4.1 – 0.1 0.0 3.9 3.0

Educational services:

 Junior colleges, colleges, and universities ... 3.8 4.2 – 3.4 – – 0.0 3.5 1.7

Healthcare and social assistance .................... 5.2 4.6 – 4.5 – 0.1 0.0 4.8 2.9

Leisure and hospitality ......................................... 7.4 – – 8.6 4.1 2.5 0.0 – –

1 to 99 workers ........................................................ 2.6 2.2 1.1 2.6 1.3 0.7 0.0 1.9 1.5

1 to 49 workers .................................................... 2.9 2.5 1.0 2.8 1.3 1.1 0.6 2.1 2.0

50 to 99 workers .................................................. 4.7 4.1 – 5.0 – 0.3 0.3 3.8 2.3

100 workers or more ................................................ 1.9 1.7 1.2 1.4 0.9 0.1 0.0 1.8 1.3

100 to 499 workers .............................................. 3.0 2.5 1.4 2.0 1.6 0.1 – 2.5 2.3

500 workers or more ............................................ 2.5 1.9 – 1.6 1.1 – 0.5 2.2 1.4

Geographic area

Middle Atlantic ......................................................... 3.8 4.3 – 2.8 2.7 – – 2.8 2.2

East North Central ................................................... 4.4 3.2 – 3.2 1.0 – – 3.9 1.9

West North Central .................................................. 4.0 6.9 – 6.9 – 0.2 – 4.1 2.4

South Atlantic ........................................................... 3.8 2.0 – 3.4 2.2 – 0.0 3.5 2.1

East South Central ................................................... 7.2 6.3 – 7.3 – 0.8 – 5.2 5.5

West South Central .................................................. 3.9 5.0 2.2 5.5 1.6 2.2 – 3.2 1.9

Mountain .................................................................. 4.4 6.0 – 6.9 – 0.3 – 3.3 3.0

Pacific ...................................................................... 2.3 4.1 – 2.4 2.1 – – 3.3 3.2

1 Less than 0.05. 2 The categories are based on the average wage for each occupation surveyed, which may include

workers with earnings both above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United States,

2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 21. Medical care benefits: Coverage for selected services, private industry

workers, National Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

All workers ............................................................... 99 97 96 99

Worker characteristic

Management, professional, and related .................. 99 95 95 100

Management, business, and financial ................. 99 94 94 100

Professional and related ...................................... 99 96 96 99

Service ..................................................................... 99 99 98 99

Protective service ................................................ 99 95 94 100

Sales and office ....................................................... 99 97 97 99

Sales and related ................................................. 99 98 98 98

Office and administrative support ........................ 99 97 96 99

Natural resources, construction, and maintenance 100 97 95 99

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 95 94 97

Installation, maintenance, and repair ................... 100 98 96 100

Production, transportation, and material moving ..... 99 96 96 98

Production ............................................................ 99 95 95 99

Transportation and material moving .................... 99 98 98 97

Full time ................................................................... 99 96 96 99

Part time .................................................................. 100 99 98 –

Union ....................................................................... 100 97 97 96

Nonunion ................................................................. 99 96 96 99

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 96 96 98

Lowest 10 percent ........................................... 100 96 96 98

Second 25 percent ............................................... 99 98 97 98

Third 25 percent ................................................... 99 96 95 99

Highest 25 percent ............................................... 99 96 96 100

Highest 10 percent ........................................... 99 96 96 100

Establishment characteristic

Goods-producing industries ..................................... 99 94 94 99

Construction ......................................................... 100 95 92 99

Manufacturing ...................................................... 99 94 94 99

Service-providing industries ..................................... 99 97 97 99

Trade, transportation, and utilities ....................... 99 97 97 97

Wholesale trade ............................................... 99 95 95 99

Retail trade ...................................................... 99 98 98 –

Utilities ............................................................. 99 99 99 96

Information ........................................................... 99 99 98 100

Financial activities ................................................ 99 97 97 100

Finance and insurance .................................... 98 97 96 100

See footnotes at end of table.
Table 21. Medical care benefits: Coverage for selected services, private industry

workers, National Compensation Survey, 2011—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 .. 98 96 95 100

Insurance carriers and related activities ...... 98 97 95 100

Professional and business services ..................... 98 97 97 100

Professional and technical services ................. 100 100 100 100

Education and health services ............................. 99 96 96 100

Educational services ........................................ 97 99 96 98

Junior colleges, colleges, and universities ... 99 97 97 100

Healthcare and social assistance .................... 99 96 96 100

Leisure and hospitality ......................................... 100 98 98 100

1 to 99 workers ........................................................ 100 97 97 99

1 to 49 workers .................................................... 100 98 97 99

50 to 99 workers .................................................. 99 96 96 100

100 workers or more ................................................ 99 96 96 99

100 to 499 workers .............................................. 99 96 96 97

500 workers or more ............................................ 98 96 96 100

Geographic area

New England ........................................................... 97 96 94 98

Middle Atlantic ......................................................... 98 95 96 99

East North Central ................................................... 99 98 97 99

West North Central .................................................. 100 98 97 99

South Atlantic ........................................................... 99 94 94 98

East South Central ................................................... 100 99 99 100

West South Central .................................................. 100 99 98 100

Mountain .................................................................. 99 99 99 100

Pacific ...................................................................... 100 95 95 99

1 The categories are based on the average wage for each

occupation surveyed, which may include workers with

earnings both above and below the threshold. The average

wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 21. Standard errors for medical care benefits: Coverage for selected

services, private industry workers, National Compensation Survey, 2011

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

All workers ............................................................... 0.2 0.5 0.6 0.4

Worker characteristic

Management, professional, and related .................. 0.6 1.4 1.4 0.2

Management, business, and financial ................. 0.7 1.8 1.8 1 ( )

Professional and related ...................................... 0.6 1.3 1.3 0.3

Service ..................................................................... 0.4 0.6 0.6 0.7

Protective service ................................................ 1.1 3.2 3.5 1 ( )

Sales and office ....................................................... 0.3 0.7 0.7 0.7

Sales and related ................................................. 0.8 0.9 0.9 1.1

Office and administrative support ........................ 0.2 1.0 1.0 0.6

Natural resources, construction, and maintenance 0.1 0.9 1.3 0.8

Construction, extraction, farming, fishing, and

forestry ............................................................... 0.3 2.0 2.4 2.0

Installation, maintenance, and repair ................... 0.1 0.6 1.4 1 ( )

Production, transportation, and material moving ..... 0.4 0.8 0.8 0.9

Production ............................................................ 0.5 1.1 1.1 0.8

Transportation and material moving .................... 0.5 0.8 0.9 1.5

Full time ................................................................... 0.3 0.6 0.6 0.3

Part time .................................................................. 1 ( ) 0.7 0.7 –

Union ....................................................................... 0.2 0.8 0.9 1.7

Nonunion ................................................................. 0.3 0.7 0.7 0.3

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.2 1.4 1.4 0.8

Lowest 10 percent ........................................... 1 ( ) 2.7 2.7 1.5

Second 25 percent ............................................... 0.2 0.5 0.5 0.8

Third 25 percent ................................................... 0.3 0.7 0.8 0.4

Highest 25 percent ............................................... 0.5 1.0 1.0 0.2

Highest 10 percent ........................................... 0.4 1.3 1.3 1 ( )

Establishment characteristic

Goods-producing industries ..................................... 0.5 1.1 1.2 0.6

Construction ......................................................... 1 ( ) 1.5 2.3 1.3

Manufacturing ...................................................... 0.7 1.3 1.3 0.7

Service-providing industries ..................................... 0.3 0.7 0.7 0.4

Trade, transportation, and utilities ....................... 0.4 0.8 0.8 1.2

Wholesale trade ............................................... 1.1 2.5 2.5 0.5

Retail trade ...................................................... 0.6 0.8 0.8 –

Utilities ............................................................. 0.9 0.9 0.9 4.2

Information ........................................................... 1.2 1.2 1.2 1 ( )

Financial activities ................................................ 0.6 0.7 0.8 1 ( )

Finance and insurance .................................... 0.8 0.8 1.0 1 ( )

See footnotes at end of table.
Table 21. Standard errors for medical care benefits: Coverage for selected

services, private industry workers, National Compensation Survey,

2011—Continued

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Credit intermediation and related activities .. 1.4 1.6 1.7 1 ( )

Insurance carriers and related activities ...... 1.1 1.7 2.0 1 ( )

Professional and business services ..................... 1.0 1.5 1.5 1 ( )

Professional and technical services ................. 1 ( ) 0.1 0.1 1 ( )

Education and health services ............................. 0.5 2.3 2.3 0.5

Educational services ........................................ 2.4 1.1 2.7 2.4

Junior colleges, colleges, and universities ... 0.6 2.3 2.3 1 ( )

Healthcare and social assistance .................... 0.3 2.8 2.8 1 ( )

Leisure and hospitality ......................................... 1 ( ) 1.6 1.6 1 ( )

1 to 99 workers ........................................................ 0.2 0.6 0.6 0.3

1 to 49 workers .................................................... 0.2 0.7 0.7 0.4

50 to 99 workers .................................................. 0.4 1.5 1.5 0.5

100 workers or more ................................................ 0.4 0.9 0.9 0.5

100 to 499 workers .............................................. 0.4 1.5 1.6 1.0

500 workers or more ............................................ 0.8 0.9 0.9 0.1

Geographic area

New England ........................................................... 2.1 1.9 2.3 1.6

Middle Atlantic ......................................................... 1.0 1.1 1.4 0.8

East North Central ................................................... 0.7 0.8 0.9 0.6

West North Central .................................................. 0.2 0.3 0.6 0.5

South Atlantic ........................................................... 0.3 1.3 1.3 1.6

East South Central ................................................... 1 ( ) 0.3 0.3 0.4

West South Central .................................................. 0.1 0.7 0.9 1 ( )

Mountain .................................................................. 0.5 0.8 0.8 1 ( )

Pacific ...................................................................... 0.3 2.7 2.7 0.7

1 Less than 0.05. 2 The categories are based on the average wage for each

occupation surveyed, which may include workers with

earnings both above and below the threshold. The average

wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 22. Medical care benefits: Median copayment per visit for selected services by type of plan, private industry workers,

National Compensation Survey, 2011

(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

All workers ............................................................... $250 $250 $250 $20 $20 $20 $50 $45 –

Worker characteristic

Management, professional, and related .................. 250 250 250 20 20 20 – – –

Management, business, and financial ................. 250 250 250 20 20 20 – – –

Professional and related ...................................... 250 250 250 20 20 20 – – $100

Service ..................................................................... 250 250 250 20 25 20 100 – –

Protective service ................................................ 240 250 – – 25 – 150 – –

Sales and office ....................................................... 250 250 250 25 – 25 50 35 –

Sales and related ................................................. 250 250 250 25 25 25 35 30 –

Office and administrative support ........................ 250 250 250 20 – 20 50 – –

Natural resources, construction, and maintenance 150 150 – 20 20 20 30 – 20

Construction, extraction, farming, fishing, and

forestry ............................................................... – – 250 20 20 – – – –

Installation, maintenance, and repair ................... 150 150 – 20 – 20 – – –

Production, transportation, and material moving ..... 250 – 250 20 20 20 – – –

Production ............................................................ 250 – 250 20 20 20 100 100 –

Transportation and material moving .................... 250 – 250 20 20 20 – – –

Full time ................................................................... 250 250 250 20 20 20 50 45 –

Part time .................................................................. 250 250 250 – – 20 – – –

Union ....................................................................... 250 200 250 20 – 20 – – 20

Nonunion ................................................................. 250 250 250 20 20 20 50 45 100

Average wage within the following categories:1

Lowest 25 percent ............................................... 250 250 250 20 25 20 – – 20

Lowest 10 percent ........................................... 250 250 – 25 25 – 100 100 –

Second 25 percent ............................................... 250 250 250 25 25 20 – – 100

Third 25 percent ................................................... 250 250 250 20 20 20 – – –

Highest 25 percent ............................................... 250 200 250 20 20 20 30 30 –

Highest 10 percent ........................................... 250 – 250 20 20 20 30 25 –

Establishment characteristic

Goods-producing industries ..................................... 250 250 250 20 20 20 – – –

Construction ......................................................... – – – 25 25 20 – – –

Manufacturing ...................................................... 250 – 250 20 20 20 100 100 –

Service-providing industries ..................................... 250 250 250 20 20 20 50 – –

Trade, transportation, and utilities ....................... 250 250 250 25 25 25 30 35 –

Wholesale trade ............................................... 250 250 250 25 25 25 30 – 30

Retail trade ...................................................... 250 – 250 – – 25 30 30 –

Utilities ............................................................. – – – 15 – 10 20 – 20

Information ........................................................... 150 150 250 – 15 25 – 15 30

Financial activities ................................................ 250 250 – 20 20 20 – – –

Finance and insurance .................................... 250 250 250 20 20 20 – 30 75

See footnotes at end of table.
Table 22. Medical care benefits: Median copayment per visit for selected services by type of plan, private industry workers,

National Compensation Survey, 2011—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 $20 $20 $20 $30 $30 –

Insurance carriers and related activities ...... 250 250 – 20 22 20 – – –

Professional and business services ..................... 250 250 250 20 20 20 – – –

Professional and technical services ................. 200 200 250 20 20 30 25 – –

Education and health services ............................. 250 250 250 20 20 20 – – –

Educational services ........................................ 250 250 250 20 20 20 – – –

Junior colleges, colleges, and universities ... 250 200 250 20 20 – 100 100 $100

Healthcare and social assistance .................... 250 250 250 20 20 20 – – –

Leisure and hospitality ......................................... 250 250 – 20 25 20 150 – –

1 to 99 workers ........................................................ 250 250 250 25 25 20 – – –

1 to 49 workers .................................................... 250 250 250 25 25 20 – – 100

50 to 99 workers .................................................. 250 250 250 20 20 20 – – –

100 workers or more ................................................ 250 250 250 20 20 20 30 30 –

100 to 499 workers .............................................. 250 200 250 20 20 20 25 30 20

500 workers or more ............................................ 250 250 250 20 20 20 – – –

Geographic area

New England ........................................................... 250 250 250 20 20 20 30 30 100

Middle Atlantic ......................................................... 250 250 250 20 20 20 – – 75

East North Central ................................................... 250 250 250 20 25 20 – – –

West North Central .................................................. 250 – 250 25 25 20 – 20 150

South Atlantic ........................................................... 250 250 250 20 20 20 100 50 –

East South Central ................................................... 250 250 250 25 25 20 100 – 100

West South Central .................................................. – – 250 20 20 25 – – 100

Mountain .................................................................. 250 – 250 – 25 20 – – –

Pacific ...................................................................... 250 200 250 20 20 20 25 25 –

1 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are based

on the estimates published in the "National Compensation Survey: Occupational Earnings in the

United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 22. Standard errors for medical care benefits: Median copayment per visit for selected services by type of plan, private

industry workers, National Compensation Survey, 2011

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

All workers ............................................................... $0 $0 $0 $0 $0 $0 $7 $13 –

Worker characteristic

Management, professional, and related .................. 0 33 0 0 0 0 – – –

Management, business, and financial ................. 0 20 0 0 0 1 – – –

Professional and related ...................................... 0 64 0 0 0 0 – – $5

Service ..................................................................... 0 0 0 1 3 0 30 – –

Protective service ................................................ 7 0 – – 0 – 0 – –

Sales and office ....................................................... 0 0 0 6 – 4 11 9 –

Sales and related ................................................. 0 0 0 1 7 0 7 4 –

Office and administrative support ........................ 0 35 0 5 – 6 11 – –

Natural resources, construction, and maintenance 22 26 – 1 4 0 3 – 5

Construction, extraction, farming, fishing, and

forestry ............................................................... – – 69 0 0 – – – –

Installation, maintenance, and repair ................... 10 10 – 1 – 4 – – –

Production, transportation, and material moving ..... 0 – 0 0 1 0 – – –

Production ............................................................ 0 – 0 1 5 0 10 0 –

Transportation and material moving .................... 0 – 0 0 1 3 – – –

Full time ................................................................... 0 0 0 0 0 0 8 13 –

Part time .................................................................. 0 0 29 – – 0 – – –

Union ....................................................................... 28 10 0 1 – 1 – – 2

Nonunion ................................................................. 0 0 0 0 2 0 13 13 26

Average wage within the following categories:1

Lowest 25 percent ............................................... 0 0 0 4 4 0 – – 3

Lowest 10 percent ........................................... 20 44 – 5 5 – 0 0 –

Second 25 percent ............................................... 0 0 0 6 0 0 – – 10

Third 25 percent ................................................... 0 0 0 0 0 0 – – –

Highest 25 percent ............................................... 0 43 0 0 0 0 9 3 –

Highest 10 percent ........................................... 10 – 0 0 0 2 5 7 –

Establishment characteristic

Goods-producing industries ..................................... 0 55 0 0 3 0 – – –

Construction ......................................................... – – – 0 0 6 – – –

Manufacturing ...................................................... 0 – 0 0 0 0 17 21 –

Service-providing industries ..................................... 0 0 0 0 0 0 10 – –

Trade, transportation, and utilities ....................... 0 4 0 0 0 5 6 7 –

Wholesale trade ............................................... 0 0 22 0 0 1 2 – 6

Retail trade ...................................................... 0 – 0 – – 4 9 2 –

Utilities ............................................................. – – – 2 – 0 6 – 0

Information ........................................................... 0 38 0 – 0 3 – 0 4

Financial activities ................................................ 0 17 – 0 0 0 – – –

Finance and insurance .................................... 0 0 0 0 0 0 – 4 22

See footnotes at end of table.
Table 22. Standard errors for medical care benefits: Median copayment per visit for selected services by type of plan, private

industry workers, National Compensation Survey, 2011—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 $45 $0 $1 $3 $0 $0 $0 –

Insurance carriers and related activities ...... 0 0 – 2 3 5 – – –

Professional and business services ..................... 5 67 0 0 0 6 – – –

Professional and technical services ................. 49 29 12 0 0 6 6 – –

Education and health services ............................. 0 14 0 0 2 4 – – –

Educational services ........................................ 0 0 0 0 0 5 – – –

Junior colleges, colleges, and universities ... 0 53 0 0 0 – 0 0 $0

Healthcare and social assistance .................... 0 37 0 0 3 5 – – –

Leisure and hospitality ......................................... 0 0 – 4 5 0 29 – –

1 to 99 workers ........................................................ 0 0 0 0 0 3 – – –

1 to 49 workers .................................................... 0 18 0 0 0 5 – – 22

50 to 99 workers .................................................. 0 0 0 1 1 1 – – –

100 workers or more ................................................ 0 29 0 0 0 0 6 5 –

100 to 499 workers .............................................. 29 33 0 0 0 1 0 7 3

500 workers or more ............................................ 0 0 0 0 0 0 – – –

Geographic area

New England ........................................................... 0 50 25 0 0 0 0 5 0

Middle Atlantic ......................................................... 0 24 0 0 0 4 – – 3

East North Central ................................................... 0 0 0 1 0 0 – – –

West North Central .................................................. 28 – 0 3 0 0 – 0 0

South Atlantic ........................................................... 0 14 0 0 0 4 24 2 –

East South Central ................................................... 14 39 0 0 0 5 16 – 0

West South Central .................................................. – – 0 0 0 6 – – 25

Mountain .................................................................. 61 – 0 – 7 0 – – –

Pacific ...................................................................... 0 43 0 0 4 0 3 3 –

1 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are based on

the estimates published in the "National Compensation Survey: Occupational Earnings in the United

States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 23. Fee-for-service plans: Coverage for selected services, private industry

workers, National Compensation Survey, 2011

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

All workers ............................................................... 99 97 97 99

Worker characteristic

Management, professional, and related .................. 98 96 96 100

Management, business, and financial ................. 98 96 96 100

Professional and related ...................................... 98 97 96 99

Service ..................................................................... 99 98 98 98

Protective service ................................................ 98 95 93 100

Sales and office ....................................................... 99 98 97 98

Sales and related ................................................. 98 98 98 98

Office and administrative support ........................ 99 98 97 99

Natural resources, construction, and maintenance 100 98 96 99

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 97 95 97

Installation, maintenance, and repair ................... 100 99 97 100

Production, transportation, and material moving ..... 99 97 97 98

Production ............................................................ 99 96 96 99

Transportation and material moving .................... 99 98 98 97

Full time ................................................................... 99 97 97 99

Part time .................................................................. 100 99 99 –

Union ....................................................................... 99 98 97 –

Nonunion ................................................................. 99 97 97 99

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 96 96 98

Lowest 10 percent ........................................... 100 99 99 97

Second 25 percent ............................................... 99 98 97 98

Third 25 percent ................................................... 99 98 97 99

Highest 25 percent ............................................... 99 97 97 99

Highest 10 percent ........................................... 99 97 97 100

Establishment characteristic

Goods-producing industries ..................................... 99 96 95 99

Construction ......................................................... 100 98 94 98

Manufacturing ...................................................... 99 95 95 99

Service-providing industries ..................................... 99 98 97 99

Trade, transportation, and utilities ....................... 99 98 98 96

Wholesale trade ............................................... 99 98 98 99

Retail trade ...................................................... 99 99 99 –

Utilities ............................................................. 99 99 99 94

Information ........................................................... 98 98 98 100

Financial activities ................................................ 98 97 97 100

Finance and insurance .................................... 98 97 96 100

See footnotes at end of table.
Table 23. Fee-for-service plans: Coverage for selected services, private industry

workers, National Compensation Survey, 2011—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 .. 97 96 95 100

Insurance carriers and related activities ...... 98 97 96 100

Professional and business services ..................... 98 96 96 100

Professional and technical services ................. 100 100 100 100

Education and health services ............................. 99 98 97 99

Educational services ........................................ 95 98 94 96

Junior colleges, colleges, and universities ... 99 96 96 100

Healthcare and social assistance .................... 99 98 98 100

Leisure and hospitality ......................................... 100 100 100 100

1 to 99 workers ........................................................ 99 98 97 99

1 to 49 workers .................................................... 99 99 98 99

50 to 99 workers .................................................. 99 97 97 99

100 workers or more ................................................ 98 96 96 98

100 to 499 workers .............................................. 99 97 97 97

500 workers or more ............................................ 98 95 95 100

Geographic area

New England ........................................................... 96 97 95 98

Middle Atlantic ......................................................... 97 97 98 98

East North Central ................................................... 98 98 97 99

West North Central .................................................. 100 98 97 99

South Atlantic ........................................................... 99 94 94 98

East South Central ................................................... 100 99 99 100

West South Central .................................................. 100 99 98 100

Mountain .................................................................. 99 99 99 100

Pacific ...................................................................... 99 98 98 98

1 The categories are based on the average wage for each

occupation surveyed, which may include workers with

earnings both above and below the threshold. The average

wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 23. Standard errors for fee-for-service plans: Coverage for selected

services, private industry workers, National Compensation Survey, 2011

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

All workers ............................................................... 0.3 0.4 0.5 0.5

Worker characteristic

Management, professional, and related .................. 0.8 1.0 1.0 0.3

Management, business, and financial ................. 0.9 1.3 1.3 1 ( )

Professional and related ...................................... 0.8 0.9 1.0 0.5

Service ..................................................................... 0.6 0.8 0.9 0.9

Protective service ................................................ 1.6 3.5 4.3 1 ( )

Sales and office ....................................................... 0.4 0.8 0.8 0.8

Sales and related ................................................. 0.9 1.0 1.0 1.2

Office and administrative support ........................ 0.3 1.1 1.2 0.7

Natural resources, construction, and maintenance 0.1 0.9 1.4 0.9

Construction, extraction, farming, fishing, and

forestry ............................................................... 0.3 2.1 2.6 2.3

Installation, maintenance, and repair ................... 0.1 0.5 1.5 1 ( )

Production, transportation, and material moving ..... 0.5 0.8 0.8 1.0

Production ............................................................ 0.6 1.2 1.3 1.0

Transportation and material moving .................... 0.6 0.9 1.0 1.7

Full time ................................................................... 0.3 0.5 0.5 0.4

Part time .................................................................. 1 ( ) 0.7 0.7 –

Union ....................................................................... 0.3 0.7 1.0 –

Nonunion ................................................................. 0.4 0.5 0.6 0.3

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.2 1.6 1.6 1.0

Lowest 10 percent ........................................... 0.1 0.9 0.9 1.9

Second 25 percent ............................................... 0.3 0.5 0.5 1.0

Third 25 percent ................................................... 0.4 0.5 0.6 0.5

Highest 25 percent ............................................... 0.6 0.8 0.8 0.3

Highest 10 percent ........................................... 0.5 1.0 1.0 1 ( )

Establishment characteristic

Goods-producing industries ..................................... 0.6 1.1 1.2 0.7

Construction ......................................................... 1 ( ) 1.6 2.6 1.5

Manufacturing ...................................................... 0.8 1.4 1.4 0.9

Service-providing industries ..................................... 0.4 0.5 0.5 0.5

Trade, transportation, and utilities ....................... 0.5 0.6 0.6 1.4

Wholesale trade ............................................... 1.4 1.3 1.3 0.7

Retail trade ...................................................... 0.7 0.8 0.8 –

Utilities ............................................................. 1.1 1.1 1.1 5.4

Information ........................................................... 1.6 1.6 1.6 1 ( )

Financial activities ................................................ 0.7 0.8 0.9 1 ( )

Finance and insurance .................................... 1.0 1.0 1.2 1 ( )

See footnotes at end of table.
Table 23. Standard errors for fee-for-service plans: Coverage for selected

services, private industry workers, National Compensation Survey,

2011—Continued

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Credit intermediation and related activities .. 1.6 1.9 2.1 1 ( )

Insurance carriers and related activities ...... 1.4 1.6 2.1 1 ( )

Professional and business services ..................... 1.3 2.0 2.0 1 ( )

Professional and technical services ................. 1 ( ) 0.1 0.1 1 ( )

Education and health services ............................. 0.7 0.9 1.1 0.6

Educational services ........................................ 3.9 1.9 4.2 3.9

Junior colleges, colleges, and universities ... 0.8 3.2 3.2 1 ( )

Healthcare and social assistance .................... 0.4 1.1 1.1 1 ( )

Leisure and hospitality ......................................... 1 ( ) 1 ( ) 1 ( ) 1 ( )

1 to 99 workers ........................................................ 0.2 0.5 0.6 0.4

1 to 49 workers .................................................... 0.3 0.6 0.7 0.5

50 to 99 workers .................................................. 0.4 1.4 1.4 0.6

100 workers or more ................................................ 0.5 0.7 0.7 0.7

100 to 499 workers .............................................. 0.5 0.9 0.9 1.2

500 workers or more ............................................ 1.0 1.2 1.2 0.1

Geographic area

New England ........................................................... 3.0 1.8 2.8 2.2

Middle Atlantic ......................................................... 1.4 1.4 1.4 1.1

East North Central ................................................... 0.9 1.0 1.1 0.7

West North Central .................................................. 0.3 0.6 0.9 0.6

South Atlantic ........................................................... 0.4 1.4 1.4 1.9

East South Central ................................................... 1 ( ) 0.5 0.5 0.4

West South Central .................................................. 0.1 0.8 1.1 1 ( )

Mountain .................................................................. 0.6 0.9 0.9 1 ( )

Pacific ...................................................................... 0.5 1.2 1.2 1.1

1 Less than 0.05. 2 The categories are based on the average wage for each

occupation surveyed, which may include workers with

earnings both above and below the threshold. The average

wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 24. Fee-for-service plans: Coverage for mental healthcare and substance abuse treatment,

private industry workers, National Compensation Survey, 2011

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

Inpatient

mental

healthcare

Outpatient

mental

healthcare

Inpatient

substance abuse

detoxification

Inpatient

substance abuse

rehabilitation

Outpatient

substance abuse

 rehabilitation

All workers ............................................................... 96 82 96 78 78

Worker characteristic

Management, professional, and related .................. 97 84 97 80 81

Management, business, and financial ................. 97 84 97 81 82

Professional and related ...................................... 97 84 98 80 80

Service ..................................................................... 95 – 98 – –

Protective service ................................................ 96 82 96 80 80

Sales and office ....................................................... 96 80 96 75 76

Sales and related ................................................. 97 89 97 86 87

Office and administrative support ........................ 95 – 95 – –

Natural resources, construction, and maintenance 95 86 93 82 80

Construction, extraction, farming, fishing, and

forestry ............................................................... 95 85 92 82 77

Installation, maintenance, and repair ................... 95 86 94 82 82

Production, transportation, and material moving ..... 94 83 94 77 76

Production ............................................................ 95 85 94 77 75

Transportation and material moving .................... 93 81 95 76 76

Full time ................................................................... 96 82 96 77 77

Part time .................................................................. 93 88 93 85 84

Union ....................................................................... 99 90 98 87 86

Nonunion ................................................................. 95 81 96 77 77

Average wage within the following categories:1

Lowest 25 percent ............................................... 93 78 93 75 75

Lowest 10 percent ........................................... 86 71 88 69 69

Second 25 percent ............................................... 95 77 95 72 71

Third 25 percent ................................................... 95 82 95 78 77

Highest 25 percent ............................................... 98 88 98 84 84

Highest 10 percent ........................................... 98 90 98 85 87

Establishment characteristic

Goods-producing industries ..................................... 95 85 94 79 79

Construction ......................................................... 95 85 93 78 82

Manufacturing ...................................................... 94 85 94 79 78

Service-providing industries ..................................... 96 82 97 78 78

Trade, transportation, and utilities ....................... 97 85 97 82 81

Wholesale trade ............................................... 93 90 97 82 83

Retail trade ...................................................... 98 91 98 88 88

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

Information ........................................................... 98 96 94 91 95

Financial activities ................................................ 97 – 96 – –

Finance and insurance .................................... 98 – 98 – –

See footnotes at end of table.
Table 24. Fee-for-service plans: Coverage for mental healthcare and substance abuse treatment,

private industry workers, National Compensation Survey, 2011—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

Inpatient

mental

healthcare

Outpatient

mental

healthcare

Inpatient

substance abuse

detoxification

Inpatient

substance abuse

rehabilitation

Outpatient

substance abuse

 rehabilitation

Credit intermediation and related activities .. 99 – 99 – –

Insurance carriers and related activities ...... 98 84 97 83 84

Professional and business services ..................... 95 87 95 84 85

Professional and technical services ................. 100 94 100 89 90

Education and health services ............................. 96 79 98 72 72

Educational services ........................................ 95 81 94 – –

Junior colleges, colleges, and universities ... 97 – 97 81 82

Healthcare and social assistance .................... 96 78 98 71 71

Leisure and hospitality ......................................... 96 – 98 – –

1 to 99 workers ........................................................ 97 80 97 76 75

1 to 49 workers .................................................... 97 77 97 73 –

50 to 99 workers .................................................. 96 85 97 81 80

100 workers or more ................................................ 95 85 95 80 80

100 to 499 workers .............................................. 94 84 95 80 80

500 workers or more ............................................ 96 85 96 79 80

Geographic area

New England ........................................................... 97 88 97 86 87

Middle Atlantic ......................................................... 97 83 97 74 76

East North Central ................................................... 96 90 96 89 89

West North Central .................................................. 94 87 93 81 79

South Atlantic ........................................................... 96 77 96 73 73

East South Central ................................................... 98 84 99 78 78

West South Central .................................................. 94 80 95 – –

Mountain .................................................................. 91 – 90 – –

Pacific ...................................................................... 97 86 98 83 83

1 The categories are based on the average wage for each occupation

surveyed, which may include workers with earnings both above and below

the threshold. The average wages are based on the estimates published in

the "National Compensation Survey: Occupational Earnings in the United

States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 24. Standard errors for fee-for-service plans: Coverage for mental healthcare and substance

abuse treatment, private industry workers, National Compensation Survey, 2011

Characteristics

Inpatient

mental

healthcare

Outpatient

mental

healthcare

Inpatient

substance abuse

detoxification

Inpatient

substance abuse

rehabilitation

Outpatient

substance abuse

 rehabilitation

All workers ............................................................... 0.6 1.7 0.7 1.9 1.9

Worker characteristic

Management, professional, and related .................. 0.7 3.0 0.7 3.0 2.9

Management, business, and financial ................. 1.0 2.3 1.1 2.6 2.4

Professional and related ...................................... 0.8 4.5 0.7 4.5 4.5

Service ..................................................................... 1.3 – 0.7 – –

Protective service ................................................ 3.3 8.8 2.8 9.2 9.2

Sales and office ....................................................... 1.6 2.4 1.6 2.6 2.5

Sales and related ................................................. 1.2 2.1 1.2 2.3 2.2

Office and administrative support ........................ 2.0 – 2.0 – –

Natural resources, construction, and maintenance 1.6 2.9 2.0 3.1 3.3

Construction, extraction, farming, fishing, and

forestry ............................................................... 2.7 4.9 3.2 5.0 5.7

Installation, maintenance, and repair ................... 1.8 3.0 2.3 3.5 3.5

Production, transportation, and material moving ..... 1.5 3.2 1.6 3.2 3.4

Production ............................................................ 1.8 3.0 2.0 3.8 3.9

Transportation and material moving .................... 2.8 5.5 2.7 5.2 5.2

Full time ................................................................... 0.6 1.9 0.7 2.0 2.0

Part time .................................................................. 4.8 4.6 4.8 4.8 4.8

Union ....................................................................... 0.5 2.5 0.6 2.8 2.9

Nonunion ................................................................. 0.7 1.9 0.8 2.0 2.0

Average wage within the following categories:1

Lowest 25 percent ............................................... 2.4 4.3 2.6 4.5 4.5

Lowest 10 percent ........................................... 6.0 8.3 6.2 8.2 8.3

Second 25 percent ............................................... 1.2 5.2 1.1 5.0 5.0

Third 25 percent ................................................... 1.0 2.1 1.1 2.3 2.3

Highest 25 percent ............................................... 0.5 1.1 0.5 1.3 1.2

Highest 10 percent ........................................... 0.4 1.5 0.4 2.1 1.5

Establishment characteristic

Goods-producing industries ..................................... 1.3 2.6 1.5 2.7 3.0

Construction ......................................................... 2.3 3.8 2.7 5.3 4.3

Manufacturing ...................................................... 1.8 3.2 1.9 3.5 3.8

Service-providing industries ..................................... 0.8 2.1 0.8 2.2 2.2

Trade, transportation, and utilities ....................... 1.2 2.5 1.0 2.6 2.6

Wholesale trade ............................................... 3.5 3.4 2.5 3.9 3.9

Retail trade ...................................................... 1.0 1.8 1.0 2.1 2.1

Utilities ............................................................. 0.3 – 0.3 – –

Information ........................................................... 1.6 1.8 3.2 2.7 2.2

Financial activities ................................................ 1.9 – 1.9 – –

Finance and insurance .................................... 0.7 – 0.8 – –

See footnotes at end of table.
Table 24. Standard errors for fee-for-service plans: Coverage for mental healthcare and substance

abuse treatment, private industry workers, National Compensation Survey, 2011—Continued

Characteristics

Inpatient

mental

healthcare

Outpatient

mental

healthcare

Inpatient

substance abuse

detoxification

Inpatient

substance abuse

rehabilitation

Outpatient

substance abuse

 rehabilitation

Credit intermediation and related activities .. 0.5 – 0.5 – –

Insurance carriers and related activities ...... 1.4 4.5 1.8 4.5 4.5

Professional and business services ..................... 2.5 3.4 2.5 3.7 3.7

Professional and technical services ................. 2 ( ) 2.2 2 ( ) 3.1 3.0

Education and health services ............................. 1.2 7.4 0.9 7.6 7.6

Educational services ........................................ 4.0 5.7 4.0 – –

Junior colleges, colleges, and universities ... 1.6 – 1.8 4.9 4.9

Healthcare and social assistance .................... 1.2 8.7 0.7 8.8 8.8

Leisure and hospitality ......................................... 1.6 – 1.0 – –

1 to 99 workers ........................................................ 0.8 3.3 0.8 3.3 3.3

1 to 49 workers .................................................... 0.9 4.3 0.9 4.3 –

50 to 99 workers .................................................. 2.0 4.4 1.9 4.5 4.5

100 workers or more ................................................ 1.0 1.7 1.0 1.8 1.8

100 to 499 workers .............................................. 1.7 2.3 1.7 2.6 2.6

500 workers or more ............................................ 1.1 2.1 1.1 2.4 2.4

Geographic area

New England ........................................................... 2.3 4.1 2.3 4.8 4.9

Middle Atlantic ......................................................... 1.1 3.1 0.3 3.7 3.7

East North Central ................................................... 1.2 2.4 1.2 2.4 2.4

West North Central .................................................. 3.1 3.7 4.3 6.2 6.2

South Atlantic ........................................................... 1.2 5.9 1.2 6.3 6.2

East South Central ................................................... 0.3 6.5 0.6 6.5 6.6

West South Central .................................................. 1.2 3.3 1.1 – –

Mountain .................................................................. 5.9 – 6.6 – –

Pacific ...................................................................... 1.6 4.4 0.9 4.6 4.6

1 The categories are based on the average wage for each occupation

surveyed, which may include workers with earnings both above and below

the threshold. The average wages are based on the estimates published in

the "National Compensation Survey: Occupational Earnings in the United

States, 2010." See Technical Note for more details. 2 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/glossary20112012.htm.
Table 25. Health maintenance organizations: Coverage for selected services,

private industry workers, National Compensation Survey, 2011

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

All workers ............................................................... 100 94 94 100

Worker characteristic

Management, professional, and related .................. 100 92 92 100

Management, business, and financial ................. 100 88 88 100

Professional and related ...................................... 100 95 95 100

Service ..................................................................... 100 100 100 100

Protective service ................................................ 100 94 94 100

Sales and office ....................................................... 100 95 95 100

Sales and related ................................................. 100 100 100 100

Office and administrative support ........................ 100 93 93 100

Natural resources, construction, and maintenance 100 89 89 100

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 87 87 100

Installation, maintenance, and repair ................... 100 91 91 100

Production, transportation, and material moving ..... 100 93 93 100

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

Transportation and material moving .................... 100 95 95 100

Full time ................................................................... 100 94 94 100

Part time .................................................................. 100 97 97 100

Union ....................................................................... 100 95 95 100

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

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 96 96 100

Lowest 10 percent ........................................... 100 86 86 100

Second 25 percent ............................................... 100 97 97 100

Third 25 percent ................................................... 100 91 91 100

Highest 25 percent ............................................... 100 94 94 100

Highest 10 percent ........................................... 100 92 92 100

Establishment characteristic

Goods-producing industries ..................................... 100 88 88 100

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

Manufacturing ...................................................... 100 89 89 100

Service-providing industries ..................................... 100 95 95 100

Trade, transportation, and utilities ....................... 100 93 93 100

Wholesale trade ............................................... 100 86 86 100

Retail trade ...................................................... 100 96 96 100

Utilities ............................................................. 100 100 100 100

Information ........................................................... 100 100 100 100

Financial activities ................................................ 100 97 97 100

Finance and insurance .................................... 100 96 96 100

See footnotes at end of table.
Table 25. Health maintenance organizations: Coverage for selected services,

private industry workers, National Compensation Survey, 2011—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 97 97 100

Insurance carriers and related activities ...... 100 94 94 100

Professional and business services ..................... 100 100 100 100

Professional and technical services ................. 100 100 100 100

Education and health services ............................. 100 93 93 100

Educational services ........................................ 100 100 100 100

Junior colleges, colleges, and universities ... 100 100 100 100

Healthcare and social assistance .................... 100 91 91 100

Leisure and hospitality ......................................... 100 91 91 100

1 to 99 workers ........................................................ 100 93 93 100

1 to 49 workers .................................................... 100 95 95 100

50 to 99 workers .................................................. 100 90 90 100

100 workers or more ................................................ 100 94 94 100

100 to 499 workers .............................................. 100 89 89 100

500 workers or more ............................................ 100 100 100 100

Geographic area

New England ........................................................... 100 93 93 100

Middle Atlantic ......................................................... 100 90 90 100

East North Central ................................................... 100 100 100 100

West North Central .................................................. 100 95 95 100

South Atlantic ........................................................... 100 94 94 100

East South Central ................................................... 100 94 94 100

West South Central .................................................. 100 100 100 100

Mountain .................................................................. 100 100 100 100

Pacific ...................................................................... 100 91 91 100

1 The categories are based on the average wage for each

occupation surveyed, which may include workers with

earnings both above and below the threshold. The average

wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 25. Standard errors for health maintenance organizations: Coverage for

selected services, private industry workers, National Compensation Survey, 2011

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

All workers ............................................................... 1 ( ) 1.6 1.6 1 ( )

Worker characteristic

Management, professional, and related .................. 1 ( ) 4.0 4.0 1 ( )

Management, business, and financial ................. 1 ( ) 5.3 5.3 1 ( )

Professional and related ...................................... 1 ( ) 3.4 3.4 1 ( )

Service ..................................................................... 1 ( ) 0.4 0.4 1 ( )

Protective service ................................................ 1 ( ) 7.5 7.5 1 ( )

Sales and office ....................................................... 1 ( ) 1.2 1.2 1 ( )

Sales and related ................................................. 1 ( ) 0.3 0.3 1 ( )

Office and administrative support ........................ 1 ( ) 1.6 1.6 1 ( )

Natural resources, construction, and maintenance 1 ( ) 3.5 3.5 1 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................... 1 ( ) 5.9 5.9 1 ( )

Installation, maintenance, and repair ................... 1 ( ) 4.3 4.3 1 ( )

Production, transportation, and material moving ..... 1 ( ) 1.9 1.9 1 ( )

Production ............................................................ 1 ( ) – – 1 ( )

Transportation and material moving .................... 1 ( ) 2.2 2.2 1 ( )

Full time ................................................................... 1 ( ) 1.7 1.7 1 ( )

Part time .................................................................. 1 ( ) 1.9 1.9 1 ( )

Union ....................................................................... 1 ( ) 2.7 2.7 1 ( )

Nonunion ................................................................. 1 ( ) 2.2 2.2 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 1 ( ) 2.8 2.8 1 ( )

Lowest 10 percent ........................................... 1 ( ) 10.7 10.7 1 ( )

Second 25 percent ............................................... 1 ( ) 0.7 0.7 1 ( )

Third 25 percent ................................................... 1 ( ) 3.0 3.0 1 ( )

Highest 25 percent ............................................... 1 ( ) 3.0 3.0 1 ( )

Highest 10 percent ........................................... 1 ( ) 4.2 4.2 1 ( )

Establishment characteristic

Goods-producing industries ..................................... 1 ( ) 2.7 2.7 1 ( )

Construction ......................................................... 1 ( ) – – 1 ( )

Manufacturing ...................................................... 1 ( ) 3.3 3.3 1 ( )

Service-providing industries ..................................... 1 ( ) 1.9 1.9 1 ( )

Trade, transportation, and utilities ....................... 1 ( ) 3.7 3.7 1 ( )

Wholesale trade ............................................... 1 ( ) 8.7 8.7 1 ( )

Retail trade ...................................................... 1 ( ) 1.9 1.9 1 ( )

Utilities ............................................................. 1 ( ) 1 ( ) 1 ( ) 1 ( )

Information ........................................................... 1 ( ) 1 ( ) 1 ( ) 1 ( )

Financial activities ................................................ 1 ( ) 2.4 2.4 1 ( )

Finance and insurance .................................... 1 ( ) 3.2 3.2 1 ( )

See footnotes at end of table.
Table 25. Standard errors for health maintenance organizations: Coverage for

selected services, private industry workers, National Compensation Survey,

2011—Continued

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Credit intermediation and related activities .. 1 ( ) 3.0 3.0 1 ( )

Insurance carriers and related activities ...... 1 ( ) 4.9 4.9 1 ( )

Professional and business services ..................... 1 ( ) 1 ( ) 1 ( ) 1 ( )

Professional and technical services ................. 1 ( ) 1 ( ) 1 ( ) 1 ( )

Education and health services ............................. 1 ( ) 6.3 6.3 1 ( )

Educational services ........................................ 1 ( ) 1 ( ) 1 ( ) 1 ( )

Junior colleges, colleges, and universities ... 1 ( ) 1 ( ) 1 ( ) 1 ( )

Healthcare and social assistance .................... 1 ( ) 8.5 8.5 1 ( )

Leisure and hospitality ......................................... 1 ( ) 6.2 6.2 1 ( )

1 to 99 workers ........................................................ 1 ( ) 1.8 1.8 1 ( )

1 to 49 workers .................................................... 1 ( ) 1.4 1.4 1 ( )

50 to 99 workers .................................................. 1 ( ) 5.0 5.0 1 ( )

100 workers or more ................................................ 1 ( ) 3.0 3.0 1 ( )

100 to 499 workers .............................................. 1 ( ) 6.2 6.2 1 ( )

500 workers or more ............................................ 1 ( ) 0.1 0.1 1 ( )

Geographic area

New England ........................................................... 1 ( ) 5.3 5.3 1 ( )

Middle Atlantic ......................................................... 1 ( ) 3.6 3.6 1 ( )

East North Central ................................................... 1 ( ) 0.3 0.3 1 ( )

West North Central .................................................. 1 ( ) 3.2 3.2 1 ( )

South Atlantic ........................................................... 1 ( ) 3.2 3.2 1 ( )

East South Central ................................................... 1 ( ) 3.8 3.8 1 ( )

West South Central .................................................. 1 ( ) 0.1 0.1 1 ( )

Mountain .................................................................. 1 ( ) 0.4 0.4 1 ( )

Pacific ...................................................................... 1 ( ) 4.3 4.3 1 ( )

1 Less than 0.05. 2 The categories are based on the average wage for each

occupation surveyed, which may include workers with

earnings both above and below the threshold. The average

wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 26. Health maintenance organizations: Coverage for

mental healthcare and substance abuse treatment, private

industry workers, National Compensation Survey, 2011

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Inpatient

mental

healthcare

Inpatient

substance

abuse

detoxification

All workers ............................................................... 96 97

Worker characteristic

Management, professional, and related .................. 97 97

Management, business, and financial ................. 95 95

Professional and related ...................................... 98 98

Service ..................................................................... 97 98

Protective service ................................................ 90 90

Sales and office ....................................................... 96 96

Sales and related ................................................. 99 99

Office and administrative support ........................ 95 95

Natural resources, construction, and maintenance 95 95

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 100

Installation, maintenance, and repair ................... 91 91

Production, transportation, and material moving ..... 95 98

Production ............................................................ 97 97

Transportation and material moving .................... 92 99

Full time ................................................................... 96 97

Part time .................................................................. 94 94

Union ....................................................................... 97 97

Nonunion ................................................................. 96 97

Average wage within the following categories:1

Lowest 25 percent ............................................... 97 97

Lowest 10 percent ........................................... 98 100

Second 25 percent ............................................... 96 98

Third 25 percent ................................................... 95 96

Highest 25 percent ............................................... 97 97

Highest 10 percent ........................................... 94 94

Establishment characteristic

Goods-producing industries ..................................... 98 98

Construction ......................................................... 100 100

Manufacturing ...................................................... 97 97

Service-providing industries ..................................... 96 97

Trade, transportation, and utilities ....................... 88 91

Wholesale trade ............................................... 80 85

Retail trade ...................................................... 92 93

Information ........................................................... 100 100

Financial activities ................................................ 100 100

Finance and insurance .................................... 100 100

See footnotes at end of table.
Table 26. Health maintenance organizations: Coverage for

mental healthcare and substance abuse treatment, private

industry workers, National Compensation Survey,

2011—Continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Inpatient

mental

healthcare

Inpatient

substance

abuse

detoxification

Credit intermediation and related activities .. 100 100

Insurance carriers and related activities ...... 100 100

Professional and business services ..................... 94 94

Professional and technical services ................. 100 100

Education and health services ............................. 100 100

Educational services ........................................ 100 100

Junior colleges, colleges, and universities ... 100 100

Healthcare and social assistance .................... 100 99

Leisure and hospitality ......................................... 98 100

1 to 99 workers ........................................................ 97 98

1 to 49 workers .................................................... 98 99

50 to 99 workers .................................................. 91 93

100 workers or more ................................................ 96 96

100 to 499 workers .............................................. 97 97

500 workers or more ............................................ 94 95

Geographic area

New England ........................................................... 97 97

Middle Atlantic ......................................................... 91 92

East North Central ................................................... 97 98

West North Central .................................................. 83 83

South Atlantic ........................................................... 96 96

East South Central ................................................... 92 93

West South Central .................................................. 100 100

Mountain .................................................................. 100 100

Pacific ...................................................................... 99 100

1 The categories are based on the

average wage for each occupation

surveyed, which may include workers with

earnings both above and below the

threshold. The average wages are based on

the estimates published in the "National

Compensation Survey: Occupational

Earnings in the United States, 2010." See

Technical Note for more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 26. Standard errors for health maintenance

organizations: Coverage for mental healthcare and

substance abuse treatment, private industry workers,

National Compensation Survey, 2011

Characteristics

Inpatient

mental

healthcare

Inpatient

substance

abuse

detoxification

All workers ............................................................... 1.5 1.5

Worker characteristic

Management, professional, and related .................. 1.5 1.5

Management, business, and financial ................. 2.7 2.7

Professional and related ...................................... 1.4 1.4

Service ..................................................................... 1.6 1.4

Protective service ................................................ 10.2 10.2

Sales and office ....................................................... 2.7 2.7

Sales and related ................................................. 0.7 0.6

Office and administrative support ........................ 3.8 3.8

Natural resources, construction, and maintenance 2.4 2.4

Construction, extraction, farming, fishing, and

forestry ............................................................... 1 ( ) 1 ( )

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

Production, transportation, and material moving ..... 2.4 1.7

Production ............................................................ 2.4 2.4

Transportation and material moving .................... 4.0 0.7

Full time ................................................................... 1.5 1.5

Part time .................................................................. 2.7 2.7

Union ....................................................................... 1.3 1.3

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

Average wage within the following categories:2

Lowest 25 percent ............................................... 1.5 1.4

Lowest 10 percent ........................................... 1.9 1 ( )

Second 25 percent ............................................... 1.4 0.9

Third 25 percent ................................................... 3.4 3.4

Highest 25 percent ............................................... 1.4 1.4

Highest 10 percent ........................................... 2.8 2.8

Establishment characteristic

Goods-producing industries ..................................... 1.8 1.8

Construction ......................................................... 1 ( ) 1 ( )

Manufacturing ...................................................... 2.4 2.4

Service-providing industries ..................................... 1.8 1.7

Trade, transportation, and utilities ....................... 3.7 3.7

Wholesale trade ............................................... 8.0 8.6

Retail trade ...................................................... 2.8 2.7

Information ........................................................... 1 ( ) 1 ( )

Financial activities ................................................ 1 ( ) 1 ( )

Finance and insurance .................................... 1 ( ) 1 ( )

See footnotes at end of table.
Table 26. Standard errors for health maintenance

organizations: Coverage for mental healthcare and

substance abuse treatment, private industry workers,

National Compensation Survey, 2011—Continued

Characteristics

Inpatient

mental

healthcare

Inpatient

substance

abuse

detoxification

Credit intermediation and related activities .. 1 ( ) 1 ( )

Insurance carriers and related activities ...... 1 ( ) 1 ( )

Professional and business services ..................... 4.2 4.2

Professional and technical services ................. 0.1 0.1

Education and health services ............................. 0.3 0.3

Educational services ........................................ 1 ( ) 1 ( )

Junior colleges, colleges, and universities ... 1 ( ) 1 ( )

Healthcare and social assistance .................... 0.4 0.5

Leisure and hospitality ......................................... 1.8 1 ( )

1 to 99 workers ........................................................ 1.7 1.6

1 to 49 workers .................................................... 0.8 0.6

50 to 99 workers .................................................. 4.5 4.3

100 workers or more ................................................ 1.6 1.6

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

500 workers or more ............................................ 2.6 2.6

Geographic area

New England ........................................................... 2.9 2.9

Middle Atlantic ......................................................... 8.9 8.8

East North Central ................................................... 1.5 1.0

West North Central .................................................. 12.0 12.0

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

East South Central ................................................... 4.5 4.1

West South Central .................................................. 1 ( ) 1 ( )

Mountain .................................................................. 1 ( ) 1 ( )

Pacific ...................................................................... 0.6 0.1

1 Less than 0.05. 2 The categories are based on the

average wage for each occupation

surveyed, which may include workers with

earnings both above and below the

threshold. The average wages are based on

the estimates published in the "National

Compensation Survey: Occupational

Earnings in the United States, 2010." See

Technical Note for more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 27. Hospital room and board benefits: Extent of coverage by type of

plan, private industry workers, National Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 7 92 – –

Worker characteristic

Management, professional, and related .................. 10 88 – 1

Management, business, and financial ................. 7 91 – 1

Professional and related ...................................... 12 86 – 1

Service ..................................................................... 8 91 – 1

Protective service ................................................ – 79 – 1

Sales and office ....................................................... 4 95 – 1

Sales and related ................................................. – 96 – 1

Office and administrative support ........................ 5 94 – 1

Natural resources, construction, and maintenance 4 95 – 2 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................... – 94 – 2 ( )

Installation, maintenance, and repair ................... – 96 – 2 ( )

Production, transportation, and material moving ..... 5 94 – –

Production ............................................................ – 95 – 1

Transportation and material moving .................... 5 94 – 1

Full time ................................................................... 6 93 – –

Part time .................................................................. 12 88 – 2 ( )

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

Nonunion ................................................................. 6 93 – 1

Average wage within the following categories:3

Lowest 25 percent ............................................... – 96 – 2 ( )

Lowest 10 percent ........................................... – 94 – 2 ( )

Second 25 percent ............................................... 5 94 – 1

Third 25 percent ................................................... 7 92 – –

Highest 25 percent ............................................... 9 90 – –

Highest 10 percent ........................................... 9 90 – 1

Establishment characteristic

Goods-producing industries ..................................... 5 95 – –

Construction ......................................................... 5 95 – –

Manufacturing ...................................................... – 94 – 1

Service-providing industries ..................................... 7 92 – 1

Trade, transportation, and utilities ....................... 5 94 – 1

Wholesale trade ............................................... 6 93 – 1

Retail trade ...................................................... – 93 – 1

Utilities ............................................................. 17 83 – 1

Information ........................................................... 7 91 – 1

Financial activities ................................................ 4 95 – 1

Finance and insurance .................................... 4 94 – 2

See footnotes at end of table.
Table 27. Hospital room and board benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2011—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

All workers ............................................................... 4 95 – – 17 83 – –

Worker characteristic

Management, professional, and related .................. – 92 – 2 22 78 – –

Management, business, and financial ................. – 95 – 2 20 80 – –

Professional and related ...................................... – 90 – 2 24 76 – –

Service ..................................................................... 5 94 – 1 – 85 – –

Protective service ................................................ – 90 – 2 – – – –

Sales and office ....................................................... – 96 – 1 10 90 – –

Sales and related ................................................. – 96 – 2 – 94 – –

Office and administrative support ........................ – 96 – 1 12 88 – –

Natural resources, construction, and maintenance – 98 – 2 ( ) – 80 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 97 – 2 ( ) – 80 – –

Installation, maintenance, and repair ................... – 98 – 2 ( ) – 80 – –

Production, transportation, and material moving ..... – 97 – 1 – 82 – –

Production ............................................................ – 97 – 1 – 84 – –

Transportation and material moving .................... – 97 – 1 22 78 – –

Full time ................................................................... 4 95 – – 17 83 – –

Part time .................................................................. – 91 – 2 ( ) – 74 – –

Union ....................................................................... 10 89 – – – 80 – –

Nonunion ................................................................. 3 96 – 1 17 83 – –

Average wage within the following categories:3

Lowest 25 percent ............................................... – 98 – 2 ( ) – 90 – –

Lowest 10 percent ........................................... – 97 – 2 ( ) – 80 – –

Second 25 percent ............................................... – 96 – 1 12 88 – –

Third 25 percent ................................................... – 94 – 1 16 84 – –

Highest 25 percent ............................................... 5 94 – – 25 75 – –

Highest 10 percent ........................................... 4 95 – 1 31 69 – –

Establishment characteristic

Goods-producing industries ..................................... – 97 – 1 19 81 – –

Construction ......................................................... – 98 – – – 78 – –

Manufacturing ...................................................... – 97 – 1 – 80 – –

Service-providing industries ..................................... 5 94 – 1 17 83 – –

Trade, transportation, and utilities ....................... – 96 – 1 13 87 – –

Wholesale trade ............................................... – 96 – 1 – 84 – –

Retail trade ...................................................... – 93 – 1 – 95 – –

Utilities ............................................................. – 99 – 1 68 – – –

Information ........................................................... – 94 – 2 – 82 – –

Financial activities ................................................ – 96 – 2 11 89 – –

Finance and insurance .................................... – 96 – 2 13 87 – –

See footnotes at end of table.
Table 27. Hospital room and board benefits: Extent of coverage by type of

plan, private industry workers, National Compensation Survey,

2011—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 .. – 93 – 2

Insurance carriers and related activities ...... – 95 – 2

Professional and business services ..................... – 93 – 2

Professional and technical services ................. – 92 – –

Education and health services ............................. 14 85 – 1

Educational services ........................................ 16 81 – 3

Junior colleges, colleges, and universities ... 15 84 – 1

Healthcare and social assistance .................... 14 86 – 1

Leisure and hospitality ......................................... – 93 – –

1 to 99 workers ........................................................ 5 95 – –

1 to 49 workers .................................................... 4 95 – 2 ( )

50 to 99 workers .................................................. – 93 – 2 ( )

100 workers or more ................................................ 8 90 – 1

100 to 499 workers .............................................. 8 91 – 1

500 workers or more ............................................ 10 89 – 2

Geographic area

New England ........................................................... 13 84 – 3

Middle Atlantic ......................................................... 12 86 – 2

East North Central ................................................... – 89 – 1

West North Central .................................................. – 95 – 2 ( )

South Atlantic ........................................................... 4 95 – 1

East South Central ................................................... – 96 – 2 ( )

West South Central .................................................. – 99 – 2 ( )

Mountain .................................................................. – 98 – 1

Pacific ...................................................................... 8 92 – –

See footnotes at end of table.
Table 27. Hospital room and board benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2011—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 .. – 94 – 3 – 88 – –

Insurance carriers and related activities ...... – 97 – 2 – 83 – –

Professional and business services ..................... – 94 – 2 – 91 – –

Professional and technical services ................. – 93 – – – 91 – –

Education and health services ............................. – 88 – 1 22 78 – –

Educational services ........................................ – 88 – 5 – 71 – –

Junior colleges, colleges, and universities ... 10 89 – 1 28 72 – –

Healthcare and social assistance .................... – 87 – 1 19 81 – –

Leisure and hospitality ......................................... – 100 – – – 68 – –

1 to 99 workers ........................................................ – 97 – 1 13 87 – –

1 to 49 workers .................................................... – 98 – 1 11 89 – –

50 to 99 workers .................................................. – 96 – 2 ( ) 17 83 – –

100 workers or more ................................................ 5 93 – 2 22 78 – –

100 to 499 workers .............................................. – 93 – 1 17 83 – –

500 workers or more ............................................ 5 93 – 2 27 73 – –

Geographic area

New England ........................................................... – 91 – 4 34 66 – –

Middle Atlantic ......................................................... 9 89 – 3 24 76 – –

East North Central ................................................... – 91 – 2 19 81 – –

West North Central .................................................. – 97 – 2 ( ) – 79 – –

South Atlantic ........................................................... – 96 – 1 – 88 – –

East South Central ................................................... – 100 – 2 ( ) 35 65 – –

West South Central .................................................. – 100 – 2 ( ) 7 93 – –

Mountain .................................................................. – 99 – 1 – 96 – –

Pacific ...................................................................... – 96 – 2 ( ) 14 86 – –

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 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average wages

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

Earnings in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 27. Standard errors for hospital room and board benefits: Extent of

coverage by type of plan, private industry workers, National Compensation

Survey, 2011

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.8 0.9 – –

Worker characteristic

Management, professional, and related .................. 1.7 1.8 – 0.6

Management, business, and financial ................. 2.1 2.1 – 0.7

Professional and related ...................................... 2.4 2.4 – 0.6

Service ..................................................................... 1.8 1.7 – 0.4

Protective service ................................................ – 13.7 – 1.1

Sales and office ....................................................... 1.0 1.0 – 0.3

Sales and related ................................................. – 1.4 – 0.8

Office and administrative support ........................ 1.1 1.1 – 0.2

Natural resources, construction, and maintenance 1.0 1.0 – 0.1

Construction, extraction, farming, fishing, and

forestry ............................................................... – 2.0 – 0.3

Installation, maintenance, and repair ................... – 1.3 – 0.1

Production, transportation, and material moving ..... 1.2 1.3 – –

Production ............................................................ – 1.6 – 0.5

Transportation and material moving .................... 1.3 1.4 – 0.5

Full time ................................................................... 0.8 0.8 – –

Part time .................................................................. 3.4 3.4 – 2 ( )

Union ....................................................................... 2.1 2.2 – –

Nonunion ................................................................. 0.8 0.9 – 0.3

Average wage within the following categories:3

Lowest 25 percent ............................................... – 1.2 – 0.2

Lowest 10 percent ........................................... – 3.1 – 2 ( )

Second 25 percent ............................................... 1.1 1.1 – 0.2

Third 25 percent ................................................... 1.3 1.4 – –

Highest 25 percent ............................................... 1.1 1.2 – –

Highest 10 percent ........................................... 1.2 1.2 – 0.4

Establishment characteristic

Goods-producing industries ..................................... 1.1 1.2 – –

Construction ......................................................... 1.4 1.4 – –

Manufacturing ...................................................... – 1.8 – 0.6

Service-providing industries ..................................... 1.0 1.0 – 0.3

Trade, transportation, and utilities ....................... 1.2 1.3 – 0.4

Wholesale trade ............................................... 1.3 1.6 – 1.1

Retail trade ...................................................... – 2.2 – 0.6

Utilities ............................................................. 4.5 4.6 – 0.9

Information ........................................................... 1.9 2.0 – 1.2

Financial activities ................................................ 1.0 1.0 – 0.6

Finance and insurance .................................... 1.0 1.1 – 0.8

See footnotes at end of table.
Table 27. Standard errors for hospital room and board benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2011—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

All workers ............................................................... 0.9 1.0 – – 2.2 2.2 – –

Worker characteristic

Management, professional, and related .................. – 2.1 – 0.8 3.4 3.4 – –

Management, business, and financial ................. – 2.7 – 0.9 3.5 3.5 – –

Professional and related ...................................... – 2.9 – 0.8 4.5 4.5 – –

Service ..................................................................... 1.3 1.4 – 0.6 – 5.0 – –

Protective service ................................................ – 8.2 – 1.6 – – – –

Sales and office ....................................................... – 1.1 – 0.4 1.8 1.8 – –

Sales and related ................................................. – 1.5 – 0.9 – 2.7 – –

Office and administrative support ........................ – 1.1 – 0.3 2.2 2.2 – –

Natural resources, construction, and maintenance – 0.8 – 0.1 – 6.8 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 1.9 – 0.3 – 8.0 – –

Installation, maintenance, and repair ................... – 0.8 – 0.1 – 8.5 – –

Production, transportation, and material moving ..... – 0.9 – 0.4 – 5.5 – –

Production ............................................................ – 1.3 – 0.6 – 6.4 – –

Transportation and material moving .................... – 1.0 – 0.6 6.6 6.6 – –

Full time ................................................................... 0.8 0.8 – – 2.2 2.2 – –

Part time .................................................................. – 3.5 – 2 ( ) – 9.7 – –

Union ....................................................................... 2.2 2.1 – – – 6.4 – –

Nonunion ................................................................. 0.9 1.0 – 0.4 2.3 2.3 – –

Average wage within the following categories:3

Lowest 25 percent ............................................... – 1.0 – 0.2 – 4.6 – –

Lowest 10 percent ........................................... – 1.9 – 0.1 – 14.5 – –

Second 25 percent ............................................... – 1.1 – 0.3 3.3 3.3 – –

Third 25 percent ................................................... – 1.5 – 0.4 2.8 2.8 – –

Highest 25 percent ............................................... 1.0 1.2 – – 3.3 3.3 – –

Highest 10 percent ........................................... 0.8 0.9 – 0.5 4.5 4.5 – –

Establishment characteristic

Goods-producing industries ..................................... – 0.9 – 0.6 5.5 5.5 – –

Construction ......................................................... – 1.3 – – – 8.3 – –

Manufacturing ...................................................... – 1.2 – 0.8 – 7.5 – –

Service-providing industries ..................................... 1.2 1.2 – 0.4 2.0 2.0 – –

Trade, transportation, and utilities ....................... – 1.4 – 0.5 3.3 3.3 – –

Wholesale trade ............................................... – 1.7 – 1.4 – 5.1 – –

Retail trade ...................................................... – 2.6 – 0.7 – 2.9 – –

Utilities ............................................................. – 1.1 – 1.1 12.5 – – –

Information ........................................................... – 1.9 – 1.6 – 8.0 – –

Financial activities ................................................ – 0.9 – 0.7 3.2 3.2 – –

Finance and insurance .................................... – 0.9 – 1.0 4.0 4.0 – –

See footnotes at end of table.
Table 27. Standard errors for hospital room and board benefits: Extent of

coverage by type of plan, private industry workers, National Compensation

Survey, 2011—Continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 1.8 – 1.4

Insurance carriers and related activities ...... – 1.8 – 1.1

Professional and business services ..................... – 2.2 – 1.0

Professional and technical services ................. – 3.5 – –

Education and health services ............................. 3.2 3.2 – 0.5

Educational services ........................................ 4.2 3.6 – 2.4

Junior colleges, colleges, and universities ... 2.0 2.2 – 0.6

Healthcare and social assistance .................... 3.7 3.7 – 0.3

Leisure and hospitality ......................................... – 3.1 – –

1 to 99 workers ........................................................ 0.9 0.9 – –

1 to 49 workers .................................................... 0.9 0.9 – 0.2

50 to 99 workers .................................................. – 2.1 – 0.3

100 workers or more ................................................ 1.3 1.4 – 0.4

100 to 499 workers .............................................. 2.1 2.2 – 0.4

500 workers or more ............................................ 1.1 1.3 – 0.8

Geographic area

New England ........................................................... 2.3 2.6 – 2.1

Middle Atlantic ......................................................... 3.0 3.1 – 1.0

East North Central ................................................... – 3.2 – 0.7

West North Central .................................................. – 3.2 – 0.2

South Atlantic ........................................................... 1.1 1.1 – 0.3

East South Central ................................................... – 2.0 – 2 ( )

West South Central .................................................. – 0.2 – 0.1

Mountain .................................................................. – 0.7 – 0.5

Pacific ...................................................................... 1.6 1.5 – –

See footnotes at end of table.
Table 27. Standard errors for hospital room and board benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2011—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 .. – 1.7 – 1.6 – 5.9 – –

Insurance carriers and related activities ...... – 1.5 – 1.4 – 5.9 – –

Professional and business services ..................... – 2.7 – 1.3 – 3.3 – –

Professional and technical services ................. – 4.4 – – – 5.5 – –

Education and health services ............................. – 4.0 – 0.7 4.6 4.6 – –

Educational services ........................................ – 4.4 – 3.9 – 9.1 – –

Junior colleges, colleges, and universities ... 2.5 2.6 – 0.8 3.5 3.5 – –

Healthcare and social assistance .................... – 4.7 – 0.4 4.6 4.6 – –

Leisure and hospitality ......................................... – 2 ( ) – – – 12.6 – –

1 to 99 workers ........................................................ – 1.0 – 0.2 2.4 2.4 – –

1 to 49 workers .................................................... – 0.9 – 0.3 3.1 3.1 – –

50 to 99 workers .................................................. – 2.4 – 0.4 4.3 4.3 – –

100 workers or more ................................................ 1.4 1.5 – 0.5 3.5 3.5 – –

100 to 499 workers .............................................. – 2.4 – 0.5 4.9 4.9 – –

500 workers or more ............................................ 0.8 1.3 – 1.0 3.8 3.8 – –

Geographic area

New England ........................................................... – 3.0 – 3.0 10.1 10.1 – –

Middle Atlantic ......................................................... 2.1 2.5 – 1.4 5.1 5.1 – –

East North Central ................................................... – 3.8 – 0.9 4.4 4.4 – –

West North Central .................................................. – 2.7 – 0.3 – 16.5 – –

South Atlantic ........................................................... – 1.9 – 0.4 – 5.2 – –

East South Central ................................................... – 2 () – 2 ( ) 10.1 10.1 – –

West South Central .................................................. – 0.1 – 0.1 1.9 1.9 – –

Mountain .................................................................. – 0.6 – 0.6 – 2.7 – –

Pacific ...................................................................... – 1.3 – 0.4 3.6 3.6 – –

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 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average wages

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

Earnings in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 28. Inpatient surgery benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 8 89 – –

Worker characteristic

Management, professional, and related .................. 12 83 – 5

Management, business, and financial ................. 10 85 – 6

Professional and related ...................................... 14 82 – 4

Service ..................................................................... 8 90 – 1

Protective service ................................................ – 76 – 5

Sales and office ....................................................... 5 93 – –

Sales and related ................................................. – 96 – 1

Office and administrative support ........................ 6 91 – 3

Natural resources, construction, and maintenance 7 90 – 3

Construction, extraction, farming, fishing, and

forestry ............................................................... – 91 – 5

Installation, maintenance, and repair ................... – 89 – 2

Production, transportation, and material moving ..... 6 91 – 4

Production ............................................................ 6 89 – 5

Transportation and material moving .................... 5 92 – 2

Full time ................................................................... 8 89 – –

Part time .................................................................. 11 88 – –

Union ....................................................................... 12 86 – 3

Nonunion ................................................................. 7 89 – –

Average wage within the following categories:3

Lowest 25 percent ............................................... – 91 – 4

Lowest 10 percent ........................................... – 92 – 3

Second 25 percent ............................................... 5 92 – 2

Third 25 percent ................................................... 7 89 – –

Highest 25 percent ............................................... 11 85 – 4

Highest 10 percent ........................................... 12 84 – 4

Establishment characteristic

Goods-producing industries ..................................... 6 89 – 6

Construction ......................................................... – 91 – 5

Manufacturing ...................................................... 6 88 – 6

Service-providing industries ..................................... 9 89 – –

Trade, transportation, and utilities ....................... 4 94 – –

Wholesale trade ............................................... – 90 – 5

Retail trade ...................................................... – 96 – 1

Utilities ............................................................. 22 77 – 1

Information ........................................................... 10 89 – 1

Financial activities ................................................ 8 90 – 3

Finance and insurance .................................... 7 90 – 3

See footnotes at end of table.
Table 28. Inpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2011—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

All workers ............................................................... 4 93 – – 22 72 – 6

Worker characteristic

Management, professional, and related .................. 8 89 – 4 26 66 – 8

Management, business, and financial ................. – 91 – 4 25 62 – 12

Professional and related ...................................... 10 87 – 3 27 68 – 5

Service ..................................................................... 5 93 – 2 – 84 – 2 ( )

Protective service ................................................ – 88 – 5 – – – 6

Sales and office ....................................................... 3 95 – – 13 82 – 5

Sales and related ................................................. – 97 – 2 – 90 – 2 ( )

Office and administrative support ........................ 3 94 – 2 14 79 – 7

Natural resources, construction, and maintenance – 96 – 2 34 55 – 11

Construction, extraction, farming, fishing, and

forestry ............................................................... – 94 – 3 – 75 – 13

Installation, maintenance, and repair ................... – 97 – 1 49 42 – 9

Production, transportation, and material moving ..... – 96 – 3 29 63 – 7

Production ............................................................ – 95 – 4 – – – –

Transportation and material moving .................... – 97 – 2 28 67 – 5

Full time ................................................................... 4 93 – – 21 72 – 6

Part time .................................................................. – 93 – 1 33 64 – 3

Union ....................................................................... 8 90 – 2 23 71 – 5

Nonunion ................................................................. 4 93 – – 22 72 – 6

Average wage within the following categories:3

Lowest 25 percent ............................................... – 95 – 3 – 75 – 4

Lowest 10 percent ........................................... – 99 – 2 ( ) – 65 – 14

Second 25 percent ............................................... – 95 – 2 15 82 – 3

Third 25 percent ................................................... – 93 – 2 19 71 – 9

Highest 25 percent ............................................... 6 91 – 3 30 64 – 6

Highest 10 percent ........................................... 6 91 – 3 37 55 – 8

Establishment characteristic

Goods-producing industries ..................................... – 95 – 4 27 61 – 12

Construction ......................................................... – 96 – 2 – – – –

Manufacturing ...................................................... – 94 – 5 32 57 – 11

Service-providing industries ..................................... 5 92 – – 21 74 – 5

Trade, transportation, and utilities ....................... 1 97 – – 17 76 – 7

Wholesale trade ............................................... – 97 – 2 – 68 – 14

Retail trade ...................................................... – 98 – 1 – 85 – 4

Utilities ............................................................. – 96 – 1 81 – – –

Information ........................................................... – 92 – 2 – 80 – –

Financial activities ................................................ 5 93 – 3 22 75 – 3

Finance and insurance .................................... 4 93 – 3 21 75 – 4

See footnotes at end of table.
Table 28. Inpatient surgery benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2011—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 .. – 93 – 4

Insurance carriers and related activities ...... – 89 – 3

Professional and business services ..................... – 91 – 3

Professional and technical services ................. – 91 – 2 ( )

Education and health services ............................. 17 79 – 4

Educational services ........................................ 18 80 – 1

Junior colleges, colleges, and universities ... 21 76 – 3

Healthcare and social assistance .................... 17 79 – 4

Leisure and hospitality ......................................... – 90 – 2

1 to 99 workers ........................................................ 6 91 – –

1 to 49 workers .................................................... 5 93 – –

50 to 99 workers .................................................. 10 86 – 4

100 workers or more ................................................ 9 87 – 4

100 to 499 workers .............................................. 7 89 – 4

500 workers or more ............................................ 12 84 – 4

Geographic area

New England ........................................................... 13 83 – 4

Middle Atlantic ......................................................... 13 82 – 5

East North Central ................................................... – 88 – 2

West North Central .................................................. – 91 – 2

South Atlantic ........................................................... 3 91 – –

East South Central ................................................... – 92 – 1

West South Central .................................................. 2 97 – 1

Mountain .................................................................. – 94 – 1

Pacific ...................................................................... 11 84 – 5

See footnotes at end of table.
Table 28. Inpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2011—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 .. – 94 – 4 – 84 – 3

Insurance carriers and related activities ...... – 92 – 3 – 74 – 6

Professional and business services ..................... – 91 – 4 – 91 – –

Professional and technical services ................. – 91 – 2 ( ) – 91 – –

Education and health services ............................. 14 84 – 2 26 68 – 7

Educational services ........................................ – 90 – 2 35 65 – –

Junior colleges, colleges, and universities ... 11 85 – 4 45 55 – –

Healthcare and social assistance .................... – 83 – 2 22 69 – 9

Leisure and hospitality ......................................... – 100 – – – 55 – 9

1 to 99 workers ........................................................ – 95 – 2 16 77 – 7

1 to 49 workers .................................................... – 97 – 1 14 81 – 5

50 to 99 workers .................................................. – 91 – 3 23 66 – 10

100 workers or more ................................................ 5 91 – 4 28 67 – 6

100 to 499 workers .............................................. – 93 – 3 23 66 – 11

500 workers or more ............................................ 7 88 – 5 33 67 – 2 ( )

Geographic area

New England ........................................................... – 91 – 3 30 63 – 7

Middle Atlantic ......................................................... 9 87 – 3 27 62 – 10

East North Central ................................................... – 91 – 2 25 74 – 2 ( )

West North Central .................................................. – 95 – 2 – 57 – 5

South Atlantic ........................................................... – 93 – 5 – 80 – 6

East South Central ................................................... – 96 – 1 – 61 – 6

West South Central .................................................. – 98 – 1 – 90 – 2 ( )

Mountain .................................................................. – 96 – 1 – 87 – 2 ( )

Pacific ...................................................................... 4 94 – 2 20 70 – 9

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 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average wages

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

Earnings in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 28. Standard errors for inpatient surgery benefits: Extent of coverage by

type of plan, private industry workers, National Compensation Survey, 2011

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.8 0.9 – –

Worker characteristic

Management, professional, and related .................. 1.7 2.1 – 1.4

Management, business, and financial ................. 2.0 2.5 – 1.8

Professional and related ...................................... 2.5 2.7 – 1.3

Service ..................................................................... 1.7 1.9 – 0.6

Protective service ................................................ – 14.0 – 3.2

Sales and office ....................................................... 0.8 1.0 – –

Sales and related ................................................. – 1.2 – 0.7

Office and administrative support ........................ 1.0 1.3 – 1.0

Natural resources, construction, and maintenance 1.7 1.8 – 0.9

Construction, extraction, farming, fishing, and

forestry ............................................................... – 2.9 – 2.0

Installation, maintenance, and repair ................... – 2.7 – 0.6

Production, transportation, and material moving ..... 1.2 1.3 – 0.8

Production ............................................................ 1.6 2.0 – 1.1

Transportation and material moving .................... 1.6 1.8 – 0.8

Full time ................................................................... 0.8 0.9 – –

Part time .................................................................. 2.2 2.3 – –

Union ....................................................................... 2.1 2.1 – 0.8

Nonunion ................................................................. 0.9 1.1 – –

Average wage within the following categories:2

Lowest 25 percent ............................................... – 2.3 – 1.4

Lowest 10 percent ........................................... – 3.7 – 2.6

Second 25 percent ............................................... 1.0 1.1 – 0.5

Third 25 percent ................................................... 1.3 1.4 – –

Highest 25 percent ............................................... 1.1 1.4 – 1.0

Highest 10 percent ........................................... 1.3 2.1 – 1.3

Establishment characteristic

Goods-producing industries ..................................... 1.1 1.3 – 1.1

Construction ......................................................... – 1.7 – 1.5

Manufacturing ...................................................... 1.5 1.9 – 1.3

Service-providing industries ..................................... 0.9 1.1 – –

Trade, transportation, and utilities ....................... 0.7 1.1 – –

Wholesale trade ............................................... – 2.5 – 2.5

Retail trade ...................................................... – 0.9 – 0.6

Utilities ............................................................. 5.0 5.1 – 0.9

Information ........................................................... 2.2 2.3 – 1.2

Financial activities ................................................ 1.8 1.9 – 0.7

Finance and insurance .................................... 1.5 1.8 – 0.8

See footnotes at end of table.
Table 28. Standard errors for inpatient surgery benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2011—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

All workers ............................................................... 0.8 0.9 – – 2.3 2.3 – 1.6

Worker characteristic

Management, professional, and related .................. 2.1 2.2 – 1.0 3.5 4.3 – 4.0

Management, business, and financial ................. – 2.6 – 1.3 4.6 6.1 – 5.3

Professional and related ...................................... 2.9 3.0 – 0.9 4.6 4.8 – 3.4

Service ..................................................................... 1.2 1.6 – 0.8 – 5.4 – 0.4

Protective service ................................................ – 9.3 – 3.5 – – – 7.5

Sales and office ....................................................... 0.6 1.0 – – 2.1 2.1 – 1.2

Sales and related ................................................. – 1.2 – 0.8 – 3.2 – 0.3

Office and administrative support ........................ 0.9 1.4 – 1.1 2.4 2.5 – 1.6

Natural resources, construction, and maintenance – 1.2 – 0.9 8.7 7.8 – 3.5

Construction, extraction, farming, fishing, and

forestry ............................................................... – 3.2 – 2.1 – 7.4 – 5.9

Installation, maintenance, and repair ................... – 1.1 – 0.5 11.3 10.4 – 4.3

Production, transportation, and material moving ..... – 0.9 – 0.8 5.4 5.5 – 1.9

Production ............................................................ – 1.3 – 1.2 – – – –

Transportation and material moving .................... – 1.4 – 0.9 6.6 6.9 – 2.2

Full time ................................................................... 0.7 0.9 – – 2.4 2.4 – 1.7

Part time .................................................................. – 2.6 – 0.6 6.6 6.7 – 1.9

Union ....................................................................... 1.1 1.3 – 0.7 6.8 7.1 – 2.7

Nonunion ................................................................. 0.9 1.1 – – 2.5 2.8 – 2.2

Average wage within the following categories:2

Lowest 25 percent ............................................... – 1.8 – 1.6 – 7.5 – 2.8

Lowest 10 percent ........................................... – 0.9 – 0.3 – 13.3 – 10.7

Second 25 percent ............................................... – 0.9 – 0.5 3.2 3.3 – 0.7

Third 25 percent ................................................... – 1.4 – 0.5 3.1 3.9 – 3.0

Highest 25 percent ............................................... 1.2 1.4 – 0.8 3.2 3.0 – 3.0

Highest 10 percent ........................................... 1.0 1.6 – 1.0 5.6 6.9 – 4.2

Establishment characteristic

Goods-producing industries ..................................... – 1.1 – 1.1 5.4 5.4 – 2.7

Construction ......................................................... – 2.4 – 1.6 – – – –

Manufacturing ...................................................... – 1.4 – 1.4 7.2 7.3 – 3.3

Service-providing industries ..................................... 1.1 1.2 – – 2.3 2.3 – 1.9

Trade, transportation, and utilities ....................... 0.3 0.6 – – 4.7 5.4 – 3.7

Wholesale trade ............................................... – 1.6 – 1.3 – 9.6 – 8.7

Retail trade ...................................................... – 0.9 – 0.7 – 4.9 – 1.9

Utilities ............................................................. – 2.8 – 1.1 13.4 – – –

Information ........................................................... – 2.4 – 1.6 – 8.3 – –

Financial activities ................................................ 1.5 1.7 – 0.8 6.4 5.5 – 2.4

Finance and insurance .................................... 1.1 1.7 – 1.0 5.5 4.5 – 3.2

See footnotes at end of table.
Table 28. Standard errors for inpatient surgery benefits: Extent of coverage by

type of plan, private industry workers, National Compensation Survey,

2011—Continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 1.9 – 1.6

Insurance carriers and related activities ...... – 2.9 – 1.7

Professional and business services ..................... – 2.3 – 1.5

Professional and technical services ................. – 3.7 – 0.1

Education and health services ............................. 3.4 4.1 – 2.3

Educational services ........................................ 4.5 4.6 – 1.1

Junior colleges, colleges, and universities ... 2.4 3.0 – 2.3

Healthcare and social assistance .................... 3.9 4.7 – 2.8

Leisure and hospitality ......................................... – 3.9 – 1.6

1 to 99 workers ........................................................ 1.0 1.0 – –

1 to 49 workers .................................................... 1.0 1.0 – –

50 to 99 workers .................................................. 2.2 2.6 – 1.5

100 workers or more ................................................ 1.2 1.5 – 0.9

100 to 499 workers .............................................. 2.0 2.3 – 1.5

500 workers or more ............................................ 1.3 1.6 – 0.9

Geographic area

New England ........................................................... 2.7 3.4 – 1.9

Middle Atlantic ......................................................... 2.0 2.0 – 1.1

East North Central ................................................... – 3.2 – 0.8

West North Central .................................................. – 3.0 – 0.3

South Atlantic ........................................................... 0.8 1.3 – –

East South Central ................................................... – 2.8 – 0.3

West South Central .................................................. 0.5 0.9 – 0.7

Mountain .................................................................. – 2.6 – 0.8

Pacific ...................................................................... 1.8 3.1 – 2.7

See footnotes at end of table.
Table 28. Standard errors for inpatient surgery benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2011—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 .. – 2.5 – 1.9 – 7.8 – 3.0

Insurance carriers and related activities ...... – 3.0 – 1.6 – 8.5 – 4.9

Professional and business services ..................... – 2.8 – 2.0 – 3.3 – –

Professional and technical services ................. – 4.5 – 0.1 – 5.5 – –

Education and health services ............................. 4.0 4.2 – 0.9 5.7 7.4 – 6.3

Educational services ........................................ – 3.0 – 1.9 9.0 9.0 – –

Junior colleges, colleges, and universities ... 2.6 3.8 – 3.2 5.5 5.5 – –

Healthcare and social assistance .................... – 4.9 – 1.1 6.0 9.3 – 8.5

Leisure and hospitality ......................................... – 3 ( ) – – – 16.1 – 6.2

1 to 99 workers ........................................................ – 1.1 – 0.5 2.6 3.0 – 1.8

1 to 49 workers .................................................... – 1.0 – 0.6 3.1 3.3 – 1.4

50 to 99 workers .................................................. – 2.9 – 1.4 3.9 6.0 – 5.0

100 workers or more ................................................ 1.2 1.5 – 0.7 3.8 3.2 – 3.0

100 to 499 workers .............................................. – 2.2 – 0.9 5.0 6.4 – 6.2

500 workers or more ............................................ 1.2 1.7 – 1.2 4.3 4.3 – 0.1

Geographic area

New England ........................................................... – 1.8 – 1.8 8.7 10.1 – 5.3

Middle Atlantic ......................................................... 1.0 1.7 – 1.4 4.6 4.7 – 3.6

East North Central ................................................... – 3.7 – 1.0 6.1 6.1 – 0.3

West North Central .................................................. – 2.9 – 0.6 – 12.4 – 3.2

South Atlantic ........................................................... – 1.5 – 1.4 – 4.9 – 3.2

East South Central ................................................... – 2.6 – 0.5 – 8.0 – 3.8

West South Central .................................................. – 1.1 – 0.8 – 3.8 – 0.1

Mountain .................................................................. – 3.2 – 0.9 – 6.5 – 0.4

Pacific ...................................................................... 0.8 1.8 – 1.2 4.5 3.9 – 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 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average wages

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

Earnings in the United States, 2010." See Technical Note for more details. 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/glossary20112012.htm.
Table 29. Outpatient surgery benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 7 90 – –

Worker characteristic

Management, professional, and related .................. 11 85 – 5

Management, business, and financial ................. 7 87 – 6

Professional and related ...................................... 13 83 – 4

Service ..................................................................... 9 90 – 2

Protective service ................................................ – 75 – 6

Sales and office ....................................................... 4 93 – –

Sales and related ................................................. – 97 – 1

Office and administrative support ........................ 5 92 – 4

Natural resources, construction, and maintenance 3 92 – 5

Construction, extraction, farming, fishing, and

forestry ............................................................... – 91 – 6

Installation, maintenance, and repair ................... – 93 – 4

Production, transportation, and material moving ..... 5 92 – 4

Production ............................................................ 7 88 – 5

Transportation and material moving .................... – 96 – 2

Full time ................................................................... 6 90 – –

Part time .................................................................. 10 88 – –

Union ....................................................................... 9 88 – 3

Nonunion ................................................................. 6 90 – –

Average wage within the following categories:3

Lowest 25 percent ............................................... – 93 – 4

Lowest 10 percent ........................................... – 93 – 3

Second 25 percent ............................................... 5 92 – 3

Third 25 percent ................................................... 6 90 – –

Highest 25 percent ............................................... 9 87 – 4

Highest 10 percent ........................................... 10 86 – 4

Establishment characteristic

Goods-producing industries ..................................... 5 88 – 6

Construction ......................................................... – 89 – 8

Manufacturing ...................................................... 6 88 – 6

Service-providing industries ..................................... 7 90 – –

Trade, transportation, and utilities ....................... 2 96 – –

Wholesale trade ............................................... 5 91 – 5

Retail trade ...................................................... – 98 – 1

Utilities ............................................................. – 92 – 1

Information ........................................................... 8 90 – 2

Financial activities ................................................ 6 91 – 3

Finance and insurance .................................... 6 90 – 4

See footnotes at end of table.
Table 29. Outpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2011—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

All workers ............................................................... 4 93 – – 18 76 – 6

Worker characteristic

Management, professional, and related .................. 6 90 – 4 23 69 – 8

Management, business, and financial ................. – 93 – 4 21 67 – 12

Professional and related ...................................... 9 87 – 4 25 70 – 5

Service ..................................................................... 6 92 – 2 – 85 – 2 ( )

Protective service ................................................ – 87 – 7 – – – 6

Sales and office ....................................................... 1 96 – – 12 83 – 5

Sales and related ................................................. – 98 – 2 – 92 – 2 ( )

Office and administrative support ........................ 2 95 – 3 14 80 – 7

Natural resources, construction, and maintenance – 95 – 4 – 72 – 11

Construction, extraction, farming, fishing, and

forestry ............................................................... – 94 – 5 – 76 – 13

Installation, maintenance, and repair ................... – 96 – 3 – 69 – 9

Production, transportation, and material moving ..... – 95 – 3 18 74 – 7

Production ............................................................ – 93 – 4 – – – –

Transportation and material moving .................... – 98 – 2 – 87 – 5

Full time ................................................................... 3 93 – – 17 76 – 6

Part time .................................................................. – 92 – 1 29 68 – 3

Union ....................................................................... 6 92 – 3 – 75 – 5

Nonunion ................................................................. 3 94 – – 18 76 – 6

Average wage within the following categories:3

Lowest 25 percent ............................................... – 95 – 4 – 82 – 4

Lowest 10 percent ........................................... – 99 – 2 ( ) – 70 – 14

Second 25 percent ............................................... – 95 – 3 13 85 – 3

Third 25 percent ................................................... 3 94 – – 16 75 – 9

Highest 25 percent ............................................... 5 92 – 3 25 68 – 6

Highest 10 percent ........................................... 5 91 – 3 30 63 – 8

Establishment characteristic

Goods-producing industries ..................................... – 93 – 5 21 67 – 12

Construction ......................................................... – 93 – 6 – – – –

Manufacturing ...................................................... – 93 – 5 25 64 – 11

Service-providing industries ..................................... 4 93 – – 17 78 – 5

Trade, transportation, and utilities ....................... – 98 – 2 8 85 – 7

Wholesale trade ............................................... – 97 – 2 15 70 – 14

Retail trade ...................................................... – 98 – 1 – 94 – 4

Utilities ............................................................. – 96 – 1 – 81 – –

Information ........................................................... – 93 – 2 – 80 – –

Financial activities ................................................ 3 94 – 3 21 75 – 3

Finance and insurance .................................... 4 93 – 4 19 77 – 4

See footnotes at end of table.
Table 29. Outpatient surgery benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2011—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 .. – 93 – 5

Insurance carriers and related activities ...... 5 90 – 5

Professional and business services ..................... – 94 – 3

Professional and technical services ................. – 96 – 2 ( )

Education and health services ............................. 17 79 – 4

Educational services ........................................ 15 81 – 4

Junior colleges, colleges, and universities ... 17 80 – 3

Healthcare and social assistance .................... 18 78 – 4

Leisure and hospitality ......................................... – 90 – 2

1 to 99 workers ........................................................ 4 93 – –

1 to 49 workers .................................................... 4 93 – –

50 to 99 workers .................................................. 5 91 – 4

100 workers or more ................................................ 9 87 – 4

100 to 499 workers .............................................. – 90 – 4

500 workers or more ............................................ 12 84 – 4

Geographic area

New England ........................................................... 13 82 – 6

Middle Atlantic ......................................................... 13 83 – 4

East North Central ................................................... – 89 – 3

West North Central .................................................. – 91 – 3

South Atlantic ........................................................... – 92 – 6

East South Central ................................................... – 93 – 1

West South Central .................................................. – 97 – 2

Mountain .................................................................. – 96 – 1

Pacific ...................................................................... 7 88 – 5

See footnotes at end of table.
Table 29. Outpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2011—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 .. – 94 – 5 – 86 – 3

Insurance carriers and related activities ...... – 94 – 4 – 75 – 6

Professional and business services ..................... – 94 – 4 – 93 – –

Professional and technical services ................. – 98 – 2 ( ) – 91 – –

Education and health services ............................. 14 83 – 3 25 69 – 7

Educational services ........................................ 8 86 – 6 – 73 – –

Junior colleges, colleges, and universities ... 11 85 – 4 30 70 – –

Healthcare and social assistance .................... – 82 – 2 24 67 – 9

Leisure and hospitality ......................................... – 100 – – – 55 – 9

1 to 99 workers ........................................................ – 96 – 2 14 80 – 7

1 to 49 workers .................................................... – 97 – 2 12 83 – 5

50 to 99 workers .................................................. – 96 – 3 19 70 – 10

100 workers or more ................................................ 5 91 – 4 22 72 – 6

100 to 499 workers .............................................. – 93 – 3 16 73 – 11

500 workers or more ............................................ 7 88 – 5 29 71 – 2 ( )

Geographic area

New England ........................................................... – 88 – 5 – 64 – 7

Middle Atlantic ......................................................... 9 89 – 2 27 63 – 10

East North Central ................................................... – 92 – 3 23 77 – 2 ( )

West North Central .................................................. – 95 – 3 – 57 – 5

South Atlantic ........................................................... – 94 – 5 – 82 – 6

East South Central ................................................... – 97 – 1 – 64 – 6

West South Central .................................................. – 97 – 2 – 94 – 2 ( )

Mountain .................................................................. – 96 – 1 – 99 – 2 ( )

Pacific ...................................................................... 3 95 – 2 13 78 – 9

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 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average wages

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

Earnings in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 29. Standard errors for outpatient surgery benefits: Extent of coverage

by type of plan, private industry workers, National Compensation Survey,

2011

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

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

Worker characteristic

Management, professional, and related .................. 1.6 1.9 – 1.4

Management, business, and financial ................. 0.9 1.9 – 1.8

Professional and related ...................................... 2.4 2.5 – 1.3

Service ..................................................................... 1.7 1.9 – 0.6

Protective service ................................................ – 14.1 – 3.5

Sales and office ....................................................... 0.5 0.8 – –

Sales and related ................................................. – 1.0 – 0.7

Office and administrative support ........................ 0.7 1.1 – 1.0

Natural resources, construction, and maintenance 0.9 1.4 – 1.3

Construction, extraction, farming, fishing, and

forestry ............................................................... – 2.5 – 2.4

Installation, maintenance, and repair ................... – 2.1 – 1.4

Production, transportation, and material moving ..... 1.1 1.2 – 0.8

Production ............................................................ 1.8 2.0 – 1.1

Transportation and material moving .................... – 1.1 – 0.9

Full time ................................................................... 0.7 0.8 – –

Part time .................................................................. 2.2 2.3 – –

Union ....................................................................... 1.9 2.1 – 0.9

Nonunion ................................................................. 0.8 1.0 – –

Average wage within the following categories:2

Lowest 25 percent ............................................... – 1.8 – 1.4

Lowest 10 percent ........................................... – 3.7 – 2.6

Second 25 percent ............................................... 1.0 1.1 – 0.5

Third 25 percent ................................................... 1.0 1.1 – –

Highest 25 percent ............................................... 1.0 1.2 – 1.0

Highest 10 percent ........................................... 1.2 1.7 – 1.3

Establishment characteristic

Goods-producing industries ..................................... 1.0 1.4 – 1.2

Construction ......................................................... – 2.5 – 2.3

Manufacturing ...................................................... 1.4 1.8 – 1.3

Service-providing industries ..................................... 0.9 1.0 – –

Trade, transportation, and utilities ....................... 0.3 0.8 – –

Wholesale trade ............................................... 1.2 2.2 – 2.5

Retail trade ...................................................... – 0.8 – 0.6

Utilities ............................................................. – 2.4 – 0.9

Information ........................................................... 2.3 2.4 – 1.2

Financial activities ................................................ 1.1 1.3 – 0.8

Finance and insurance .................................... 1.1 1.5 – 1.0

See footnotes at end of table.
Table 29. Standard errors for outpatient surgery benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2011—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

All workers ............................................................... 0.8 0.8 – – 2.2 2.2 – 1.6

Worker characteristic

Management, professional, and related .................. 1.8 2.0 – 1.0 3.6 4.0 – 4.0

Management, business, and financial ................. – 1.6 – 1.3 4.8 5.1 – 5.3

Professional and related ...................................... 2.7 2.8 – 1.0 4.5 4.8 – 3.4

Service ..................................................................... 1.4 1.8 – 0.9 – 5.2 – 0.4

Protective service ................................................ – 9.8 – 4.3 – – – 7.5

Sales and office ....................................................... 0.3 0.9 – – 2.8 2.7 – 1.2

Sales and related ................................................. – 1.0 – 0.8 – 3.1 – 0.3

Office and administrative support ........................ 0.5 1.3 – 1.2 3.4 3.4 – 1.6

Natural resources, construction, and maintenance – 1.5 – 1.4 – 6.9 – 3.5

Construction, extraction, farming, fishing, and

forestry ............................................................... – 3.0 – 2.6 – 7.2 – 5.9

Installation, maintenance, and repair ................... – 1.5 – 1.5 – 10.4 – 4.3

Production, transportation, and material moving ..... – 1.1 – 0.8 4.7 4.9 – 1.9

Production ............................................................ – 1.8 – 1.3 – – – –

Transportation and material moving .................... – 1.0 – 1.0 – 4.8 – 2.2

Full time ................................................................... 0.7 0.8 – – 2.3 2.3 – 1.7

Part time .................................................................. – 2.6 – 0.6 6.2 6.3 – 1.9

Union ....................................................................... 1.4 1.7 – 1.0 – 6.5 – 2.7

Nonunion ................................................................. 0.8 1.0 – – 2.6 2.7 – 2.2

Average wage within the following categories:2

Lowest 25 percent ............................................... – 1.6 – 1.6 – 6.4 – 2.8

Lowest 10 percent ........................................... – 0.9 – 0.3 – 13.6 – 10.7

Second 25 percent ............................................... – 1.0 – 0.5 3.4 3.6 – 0.7

Third 25 percent ................................................... 0.9 0.9 – – 3.2 3.9 – 3.0

Highest 25 percent ............................................... 1.0 1.3 – 0.8 3.1 2.7 – 3.0

Highest 10 percent ........................................... 1.1 1.6 – 1.0 5.6 6.4 – 4.2

Establishment characteristic

Goods-producing industries ..................................... – 1.5 – 1.2 4.8 5.2 – 2.7

Construction ......................................................... – 2.9 – 2.6 – – – –

Manufacturing ...................................................... – 1.7 – 1.4 6.2 6.7 – 3.3

Service-providing industries ..................................... 1.0 1.1 – – 2.3 2.3 – 1.9

Trade, transportation, and utilities ....................... – 0.6 – 0.5 1.3 3.5 – 3.7

Wholesale trade ............................................... – 1.6 – 1.3 4.1 7.7 – 8.7

Retail trade ...................................................... – 0.9 – 0.7 – 3.0 – 1.9

Utilities ............................................................. – 2.8 – 1.1 – 6.5 – –

Information ........................................................... – 1.8 – 1.6 – 8.3 – –

Financial activities ................................................ 0.4 1.0 – 0.9 6.2 5.2 – 2.4

Finance and insurance .................................... 0.4 1.3 – 1.2 5.4 4.3 – 3.2

See footnotes at end of table.
Table 29. Standard errors for outpatient surgery benefits: Extent of coverage

by type of plan, private industry workers, National Compensation Survey,

2011—Continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 2.0 – 1.7

Insurance carriers and related activities ...... 1.5 2.5 – 2.0

Professional and business services ..................... – 1.9 – 1.5

Professional and technical services ................. – 1.8 – 0.1

Education and health services ............................. 3.5 4.1 – 2.3

Educational services ........................................ 4.4 3.9 – 2.7

Junior colleges, colleges, and universities ... 2.0 2.8 – 2.3

Healthcare and social assistance .................... 4.1 4.9 – 2.8

Leisure and hospitality ......................................... – 3.9 – 1.6

1 to 99 workers ........................................................ 0.7 0.7 – –

1 to 49 workers .................................................... 0.8 0.9 – –

50 to 99 workers .................................................. 0.8 1.7 – 1.5

100 workers or more ................................................ 1.2 1.5 – 0.9

100 to 499 workers .............................................. – 2.3 – 1.6

500 workers or more ............................................ 1.3 1.6 – 0.9

Geographic area

New England ........................................................... 2.4 2.3 – 2.3

Middle Atlantic ......................................................... 2.5 2.2 – 1.4

East North Central ................................................... – 2.7 – 0.9

West North Central .................................................. – 2.2 – 0.6

South Atlantic ........................................................... – 1.3 – 1.3

East South Central ................................................... – 2.8 – 0.3

West South Central .................................................. – 1.4 – 0.9

Mountain .................................................................. – 2.8 – 0.8

Pacific ...................................................................... 1.2 2.5 – 2.7

See footnotes at end of table.
Table 29. Standard errors for outpatient surgery benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2011—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 .. – 2.6 – 2.1 – 7.6 – 3.0

Insurance carriers and related activities ...... – 2.2 – 2.1 – 8.3 – 4.9

Professional and business services ..................... – 2.2 – 2.0 – 3.5 – –

Professional and technical services ................. – 1.7 – 0.1 – 5.5 – –

Education and health services ............................. 4.1 4.3 – 1.1 5.9 7.6 – 6.3

Educational services ........................................ 2.1 4.5 – 4.2 – 9.1 – –

Junior colleges, colleges, and universities ... 2.6 3.8 – 3.2 4.1 4.1 – –

Healthcare and social assistance .................... – 5.1 – 1.1 6.5 9.6 – 8.5

Leisure and hospitality ......................................... – 3 ( ) – – – 16.1 – 6.2

1 to 99 workers ........................................................ – 0.7 – 0.6 2.5 2.9 – 1.8

1 to 49 workers .................................................... – 1.0 – 0.7 2.9 3.1 – 1.4

50 to 99 workers .................................................. – 1.6 – 1.4 4.8 7.2 – 5.0

100 workers or more ................................................ 1.3 1.5 – 0.7 3.2 3.0 – 3.0

100 to 499 workers .............................................. – 2.3 – 0.9 4.3 6.5 – 6.2

500 workers or more ............................................ 1.2 1.7 – 1.2 3.6 3.6 – 0.1

Geographic area

New England ........................................................... – 2.7 – 2.8 – 9.9 – 5.3

Middle Atlantic ......................................................... 1.5 1.9 – 1.4 4.9 4.8 – 3.6

East North Central ................................................... – 3.2 – 1.1 4.9 4.9 – 0.3

West North Central .................................................. – 2.4 – 0.9 – 12.4 – 3.2

South Atlantic ........................................................... – 1.5 – 1.4 – 4.6 – 3.2

East South Central ................................................... – 2.6 – 0.5 – 8.7 – 3.8

West South Central .................................................. – 1.3 – 1.1 – 2.1 – 0.1

Mountain .................................................................. – 3.2 – 0.9 – 0.6 – 0.4

Pacific ...................................................................... 0.3 1.3 – 1.2 3.7 4.0 – 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 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average wages

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

Earnings in the United States, 2010." See Technical Note for more details. 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/glossary20112012.htm.
Table 30. Physician office visit benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... – 98 – 1

Worker characteristic

Management, professional, and related .................. – 97 – 2 ( )

Management, business, and financial ................. – 99 – 2 ( )

Professional and related ...................................... – 96 – 1

Service ..................................................................... – 97 – 1

Protective service ................................................ – 96 – –

Sales and office ....................................................... – 98 – 1

Sales and related ................................................. – 98 – 2

Office and administrative support ........................ – 98 – 1

Natural resources, construction, and maintenance – 98 – 1

Construction, extraction, farming, fishing, and

forestry ............................................................... – 95 – 3

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

Production, transportation, and material moving ..... – 97 – 2

Production ............................................................ – 98 – 1

Transportation and material moving .................... – 97 – 3

Full time ................................................................... – 98 – 1

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

Union ....................................................................... 3 94 – 4

Nonunion ................................................................. – 98 – 1

Average wage within the following categories:3

Lowest 25 percent ............................................... – 98 – 2

Lowest 10 percent ........................................... – 98 – 2

Second 25 percent ............................................... – 97 – 2

Third 25 percent ................................................... – 97 – 1

Highest 25 percent ............................................... – 98 – 2 ( )

Highest 10 percent ........................................... – 98 – –

Establishment characteristic

Goods-producing industries ..................................... – 98 – 1

Construction ......................................................... – 99 – 1

Manufacturing ...................................................... – 98 – 1

Service-providing industries ..................................... – 97 – 1

Trade, transportation, and utilities ....................... – 97 – 3

Wholesale trade ............................................... – 99 – 1

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

Utilities ............................................................. – 94 – 4

Information ........................................................... – 98 – –

Financial activities ................................................ – 99 – 2 ( )

Finance and insurance .................................... – 99 – 2 ( )

See footnotes at end of table.
Table 30. Physician office visit benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2011—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

All workers ............................................................... – 97 – 1 1 99 – –

Worker characteristic

Management, professional, and related .................. – 97 – 2 ( ) – 99 – –

Management, business, and financial ................. – 100 – 2 ( ) – 99 – –

Professional and related ...................................... – 95 – 1 – 99 – –

Service ..................................................................... – 96 – 2 – 100 – –

Protective service ................................................ – 94 – – – 99 – –

Sales and office ....................................................... – 97 – 2 – 99 – –

Sales and related ................................................. – 98 – 2 – 99 – –

Office and administrative support ........................ – 97 – 1 – 99 – –

Natural resources, construction, and maintenance – 98 – 1 – 99 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 94 – 3 – 100 – –

Installation, maintenance, and repair ................... – 100 – – – 99 – –

Production, transportation, and material moving ..... – 97 – 2 – 100 – –

Production ............................................................ – 97 – 1 – 100 – –

Transportation and material moving .................... – 96 – 3 – 100 – –

Full time ................................................................... – 97 – 1 1 99 – –

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

Union ....................................................................... – – – – – 99 – –

Nonunion ................................................................. – 98 – 1 – 99 – –

Average wage within the following categories:3

Lowest 25 percent ............................................... – 98 – 2 – 100 – –

Lowest 10 percent ........................................... – 97 – 3 – 100 – –

Second 25 percent ............................................... – 97 – 2 – 100 – –

Third 25 percent ................................................... – 96 – 1 – 99 – –

Highest 25 percent ............................................... – 98 – 1 – 99 – –

Highest 10 percent ........................................... – 98 – – – 98 – –

Establishment characteristic

Goods-producing industries ..................................... – 97 – 1 – 100 – –

Construction ......................................................... – 98 – 2 – 100 – –

Manufacturing ...................................................... – 97 – 1 – 100 – –

Service-providing industries ..................................... – 97 – 1 1 99 – –

Trade, transportation, and utilities ....................... – 96 – 4 – 99 – –

Wholesale trade ............................................... – 99 – 1 – 99 – –

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

Utilities ............................................................. – 94 – 6 – 91 – –

Information ........................................................... – 99 – – – 96 – –

Financial activities ................................................ – 100 – 2 ( ) – 97 – –

Finance and insurance .................................... – 100 – 2 ( ) – 96 – –

See footnotes at end of table.
Table 30. Physician office visit benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2011—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 ...... – 98 – 2 ( )

Professional and business services ..................... – 99 – –

Professional and technical services ................. – 100 – –

Education and health services ............................. – 94 – 2 ( )

Educational services ........................................ 1 96 – 2

Junior colleges, colleges, and universities ... 3 97 – –

Healthcare and social assistance .................... – 94 – –

Leisure and hospitality ......................................... – 100 – –

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

1 to 49 workers .................................................... – 99 – 1

50 to 99 workers .................................................. – 99 – 2 ( )

100 workers or more ................................................ – 96 – 1

100 to 499 workers .............................................. – 96 – 3

500 workers or more ............................................ 3 97 – 2 ( )

Geographic area

New England ........................................................... – 96 – 2

Middle Atlantic ......................................................... 3 96 – 1

East North Central ................................................... – 96 – 1

West North Central .................................................. – 99 – 1

South Atlantic ........................................................... – 98 – 2

East South Central ................................................... – 100 – 2 ( )

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

Mountain .................................................................. – 97 – –

Pacific ...................................................................... – 98 – 1

See footnotes at end of table.
Table 30. Physician office visit benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2011—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 – – – 96 – –

Insurance carriers and related activities ...... – 99 – 2 ( ) – 94 – –

Professional and business services ..................... – 99 – – – 100 – –

Professional and technical services ................. – 100 – – – 100 – –

Education and health services ............................. – 93 – 1 – 99 – –

Educational services ........................................ – 95 – 4 2 98 – –

Junior colleges, colleges, and universities ... – 97 – – 5 95 – –

Healthcare and social assistance .................... – 92 – – – 99 – –

Leisure and hospitality ......................................... – 100 – – – 99 – –

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

1 to 49 workers .................................................... – 99 – 1 – 100 – –

50 to 99 workers .................................................. – 98 – 1 – 100 – –

100 workers or more ................................................ – 96 – 2 – 99 – –

100 to 499 workers .............................................. – 95 – 3 – 100 – –

500 workers or more ............................................ 3 97 – 2 ( ) – 97 – –

Geographic area

New England ........................................................... – 96 – 2 – 95 – –

Middle Atlantic ......................................................... 3 95 – 2 – 99 – –

East North Central ................................................... – 95 – 1 – 100 – –

West North Central .................................................. – 99 – 1 – 100 – –

South Atlantic ........................................................... – 98 – 2 – 100 – –

East South Central ................................................... – 100 – 2 ( ) – 100 – –

West South Central .................................................. – 100 – – – 99 – –

Mountain .................................................................. – 97 – – – 100 – –

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 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average wages

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

Earnings in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 30. Standard errors for physician office visit benefits: Extent of

coverage by type of plan, private industry workers, National Compensation

Survey, 2011

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... – 0.7 – 0.4

Worker characteristic

Management, professional, and related .................. – 1.2 – 0.2

Management, business, and financial ................. – 0.2 – 2 ( )

Professional and related ...................................... – 1.9 – 0.3

Service ..................................................................... – 0.9 – 0.7

Protective service ................................................ – 4.6 – –

Sales and office ....................................................... – 0.7 – 0.7

Sales and related ................................................. – 1.1 – 1.1

Office and administrative support ........................ – 0.8 – 0.6

Natural resources, construction, and maintenance – 1.2 – 0.8

Construction, extraction, farming, fishing, and

forestry ............................................................... – 2.9 – 2.0

Installation, maintenance, and repair ................... – 0.1 – –

Production, transportation, and material moving ..... – 1.0 – 0.9

Production ............................................................ – 1.2 – 0.8

Transportation and material moving .................... – 1.4 – 1.5

Full time ................................................................... – 0.5 – 0.3

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

Union ....................................................................... 0.6 1.9 – 1.7

Nonunion ................................................................. – 0.7 – 0.3

Average wage within the following categories:3

Lowest 25 percent ............................................... – 0.8 – 0.8

Lowest 10 percent ........................................... – 1.5 – 1.5

Second 25 percent ............................................... – 1.0 – 0.8

Third 25 percent ................................................... – 0.9 – 0.4

Highest 25 percent ............................................... – 0.7 – 0.2

Highest 10 percent ........................................... – 0.6 – –

Establishment characteristic

Goods-producing industries ..................................... – 0.9 – 0.6

Construction ......................................................... – 1.3 – 1.3

Manufacturing ...................................................... – 1.1 – 0.7

Service-providing industries ..................................... – 0.8 – 0.4

Trade, transportation, and utilities ....................... – 1.2 – 1.2

Wholesale trade ............................................... – 0.6 – 0.5

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

Utilities ............................................................. – 4.3 – 4.2

Information ........................................................... – 0.6 – –

Financial activities ................................................ – 0.4 – 2 ( )

Finance and insurance .................................... – 0.5 – 2 ( )

See footnotes at end of table.
Table 30. Standard errors for physician office visit benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2011—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

All workers ............................................................... – 0.8 – 0.5 0.2 0.2 – –

Worker characteristic

Management, professional, and related .................. – 1.6 – 0.3 – 0.4 – –

Management, business, and financial ................. – 0.2 – 2 ( ) – 0.6 – –

Professional and related ...................................... – 2.6 – 0.5 – 0.4 – –

Service ..................................................................... – 1.3 – 0.9 – 0.3 – –

Protective service ................................................ – 7.0 – – – 1.4 – –

Sales and office ....................................................... – 0.9 – 0.8 – 0.4 – –

Sales and related ................................................. – 1.2 – 1.2 – 0.6 – –

Office and administrative support ........................ – 1.0 – 0.7 – 0.3 – –

Natural resources, construction, and maintenance – 1.4 – 0.9 – 0.5 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 3.4 – 2.3 – 0.2 – –

Installation, maintenance, and repair ................... – 2 ( ) – – –0.8– –

Production, transportation, and material moving ..... – 1.1 – 1.0 – 2 () – –

Production ............................................................ – 1.5 – 1.0 – 2 () – –

Transportation and material moving .................... – 1.6 – 1.7 – 2 () – –

Full time ................................................................... – 0.7 – 0.4 0.2 0.2 – –

Part time .................................................................. – – – – – 0.1 – –

Union ....................................................................... – – – – – 0.3 – –

Nonunion ................................................................. – 0.8 – 0.3 – 0.3 – –

Average wage within the following categories:3

Lowest 25 percent ............................................... – 1.0 – 1.0 – 0.2 – –

Lowest 10 percent ........................................... – 1.9 – 1.9 – 2 () – –

Second 25 percent ............................................... – 1.2 – 1.0 – 0.1 – –

Third 25 percent ................................................... – 1.1 – 0.5 – 0.3 – –

Highest 25 percent ............................................... – 0.8 – 0.3 – 0.4 – –

Highest 10 percent ........................................... – 0.6 – – – 0.9 – –

Establishment characteristic

Goods-producing industries ..................................... – 1.1 – 0.7 – 2 () – –

Construction ......................................................... – 1.5 – 1.5 – 2 () – –

Manufacturing ...................................................... – 1.3 – 0.9 – 2 () – –

Service-providing industries ..................................... – 1.0 – 0.5 0.3 0.3 – –

Trade, transportation, and utilities ....................... – 1.4 – 1.4 – 0.5 – –

Wholesale trade ............................................... – 0.7 – 0.7 – 0.8 – –

Retail trade ...................................................... – – – – – 2 () – –

Utilities ............................................................. – 5.4 – 5.4 – 5.2 – –

Information ........................................................... – 0.4 – – – 1.5 – –

Financial activities ................................................ – 0.1 – 2 ( ) – 2.4 – –

Finance and insurance .................................... – 0.1 – 2 ( ) – 3.1 – –

See footnotes at end of table.
Table 30. Standard errors for physician office visit benefits: Extent of

coverage by type of plan, private industry workers, National Compensation

Survey, 2011—Continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 0.5 – –

Insurance carriers and related activities ...... – 1.3 – 2 ( )

Professional and business services ..................... – 0.6 – –

Professional and technical services ................. – 2 () – –

Education and health services ............................. – 2.8 – 0.5

Educational services ........................................ 0.4 2.5 – 2.4

Junior colleges, colleges, and universities ... 0.8 0.8 – –

Healthcare and social assistance .................... – 3.4 – –

Leisure and hospitality ......................................... – 0.2 – –

1 to 99 workers ........................................................ – 0.4 – 0.3

1 to 49 workers .................................................... – 0.4 – 0.4

50 to 99 workers .................................................. – 0.9 – 0.5

100 workers or more ................................................ – 1.1 – 0.5

100 to 499 workers .............................................. – 2.0 – 1.0

500 workers or more ............................................ 0.4 0.4 – 0.1

Geographic area

New England ........................................................... – 2.2 – 1.6

Middle Atlantic ......................................................... 0.2 0.9 – 0.8

East North Central ................................................... – 2.8 – 0.6

West North Central .................................................. – 0.5 – 0.5

South Atlantic ........................................................... – 1.7 – 1.6

East South Central ................................................... – 0.4 – 0.4

West South Central .................................................. – 0.4 – –

Mountain .................................................................. – 2.0 – –

Pacific ...................................................................... – 0.8 – 0.7

See footnotes at end of table.
Table 30. Standard errors for physician office visit benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2011—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 ( ) – – –3.6– –

Insurance carriers and related activities ...... – 0.4 – 2 ( ) – 6.3 – –

Professional and business services ..................... – 0.7 – – – 2 () – –

Professional and technical services ................. – 2 () – – – 2 () – –

Education and health services ............................. – 3.9 – 0.6 – 0.3 – –

Educational services ........................................ – 3.9 – 3.9 0.4 0.4 – –

Junior colleges, colleges, and universities ... – 1.3 – – 0.7 0.7 – –

Healthcare and social assistance .................... – 4.5 – – – 0.4 – –

Leisure and hospitality ......................................... – 2 ( ) – – –0.8– –

1 to 99 workers ........................................................ – 0.6 – 0.4 – 0.2 – –

1 to 49 workers .................................................... – 0.6 – 0.5 – 0.2 – –

50 to 99 workers .................................................. – 1.2 – 0.6 – 2 () – –

100 workers or more ................................................ – 1.3 – 0.7 – 0.5 – –

100 to 499 workers .............................................. – 2.3 – 1.2 – 0.2 – –

500 workers or more ............................................ 0.4 0.4 – 0.1 – 0.9 – –

Geographic area

New England ........................................................... – 2.7 – 2.2 – 2.5 – –

Middle Atlantic ......................................................... 0.2 1.1 – 1.1 – 0.5 – –

East North Central ................................................... – 3.4 – 0.7 – 0.2 – –

West North Central .................................................. – 0.6 – 0.6 – 2 () – –

South Atlantic ........................................................... – 1.9 – 1.9 – 0.2 – –

East South Central ................................................... – 0.4 – 0.4 – 2 () – –

West South Central .................................................. – 0.4 – – – 1.0 – –

Mountain .................................................................. – 2.5 – – – 0.1 – –

Pacific ...................................................................... – 1.3 – 1.1 – 0.3 – –

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 Less than 0.05. 3 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average wages

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

Earnings in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 31. Inpatient mental healthcare benefits: Extent of coverage by type of

plan, private industry workers, National Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 3 92 2 2

Worker characteristic

Management, professional, and related .................. 6 91 – –

Management, business, and financial ................. – 91 – 3

Professional and related ...................................... 6 91 – –

Service ..................................................................... 3 93 – –

Protective service ................................................ – 92 – 6

Sales and office ....................................................... 2 94 – –

Sales and related ................................................. – 97 – 1

Office and administrative support ........................ – 92 – 3

Natural resources, construction, and maintenance – 93 – 3

Construction, extraction, farming, fishing, and

forestry ............................................................... – 92 – 2

Installation, maintenance, and repair ................... – 94 – 4

Production, transportation, and material moving ..... – 92 – 2

Production ............................................................ – 93 – 2

Transportation and material moving .................... – 91 – 1

Full time ................................................................... 3 93 1 3

Part time .................................................................. 4 90 – –

Union ....................................................................... 6 92 – –

Nonunion ................................................................. 3 92 2 3

Average wage within the following categories:3

Lowest 25 percent ............................................... – 92 – 2

Lowest 10 percent ........................................... – 87 – 1

Second 25 percent ............................................... – 93 3 –

Third 25 percent ................................................... – 92 – 3

Highest 25 percent ............................................... 5 92 – –

Highest 10 percent ........................................... 7 91 – –

Establishment characteristic

Goods-producing industries ..................................... – 93 – 3

Construction ......................................................... – 92 – 2

Manufacturing ...................................................... – 93 – 4

Service-providing industries ..................................... 4 92 – –

Trade, transportation, and utilities ....................... 2 93 – –

Wholesale trade ............................................... – 86 – 6

Retail trade ...................................................... – 97 – 1

Utilities ............................................................. – 86 – 2 ( )

Information ........................................................... – 93 – 1

Financial activities ................................................ – 95 – 1

Finance and insurance .................................... – 97 – 1

See footnotes at end of table.
Table 31. Inpatient mental healthcare benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2011—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

All workers ............................................................... 2 94 2 2 10 86 – –

Worker characteristic

Management, professional, and related .................. – 93 – 2 14 83 – –

Management, business, and financial ................. – 93 – 2 13 81 – 5

Professional and related ...................................... – 93 – 2 14 84 – –

Service ..................................................................... 2 93 – – – 92 – 2

Protective service ................................................ – 95 – 4 – 87 – 10

Sales and office ....................................................... – 95 – 2 6 90 – –

Sales and related ................................................. – 97 – 1 – 96 – 1

Office and administrative support ........................ – 94 – 3 7 87 – –

Natural resources, construction, and maintenance – 94 – 3 – 87 – 5

Construction, extraction, farming, fishing, and

forestry ............................................................... – 92 – 3 – 92 – –

Installation, maintenance, and repair ................... – 95 – 3 – 84 – 9

Production, transportation, and material moving ..... – 94 – 2 – 82 – 2

Production ............................................................ – 95 – 2 – 88 – 3

Transportation and material moving .................... – 93 – 1 – 75 – 1

Full time ................................................................... 2 94 2 2 9 87 – –

Part time .................................................................. – 92 – 2 ( ) – 79 – 6

Union ....................................................................... 3 96 – – – 81 – 3

Nonunion ................................................................. – 94 2 – 9 87 – –

Average wage within the following categories:3

Lowest 25 percent ............................................... – 92 – 1 – 93 – 3

Lowest 10 percent ........................................... – 86 – 1 – 93 – –

Second 25 percent ............................................... 1 94 – – – 90 – 2

Third 25 percent ................................................... – 93 – 3 8 88 – –

Highest 25 percent ............................................... 3 95 – – 16 80 – –

Highest 10 percent ........................................... 2 96 – – 25 69 – 6

Establishment characteristic

Goods-producing industries ..................................... – 94 – 4 – 86 – 2

Construction ......................................................... – 94 – 3 – 86 – –

Manufacturing ...................................................... – 94 – 4 – 85 – 3

Service-providing industries ..................................... 2 94 – – 9 86 – –

Trade, transportation, and utilities ....................... – 96 – 1 – 79 – 9

Wholesale trade ............................................... – 92 – 3 – 68 – 15

Retail trade ...................................................... – 98 – 2 ( ) – 88 – 7

Utilities ............................................................. – 100 – 2 () – – – –

Information ........................................................... – 97 – 2 – 82 – –

Financial activities ................................................ – 96 – 1 – 93 – –

Finance and insurance .................................... – 97 – 2 – 92 – –

See footnotes at end of table.
Table 31. Inpatient mental healthcare benefits: Extent of coverage by type of

plan, private industry workers, National Compensation Survey,

2011—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 .. – 98 – 1

Insurance carriers and related activities ...... – 96 – 2

Professional and business services ..................... – 91 – 2

Professional and technical services ................. – 93 – 2 ( )

Education and health services ............................. 7 89 – –

Educational services ........................................ – 87 – 3

Junior colleges, colleges, and universities ... 11 87 – –

Healthcare and social assistance .................... 7 90 – –

Leisure and hospitality ......................................... – 97 – –

1 to 99 workers ........................................................ – 94 – 2

1 to 49 workers .................................................... – 96 – 1

50 to 99 workers .................................................. – 91 – 2

100 workers or more ................................................ 4 91 – –

100 to 499 workers .............................................. 3 92 – –

500 workers or more ............................................ 6 90 – –

Geographic area

New England ........................................................... 12 85 – –

Middle Atlantic ......................................................... – 90 – 4

East North Central ................................................... – 93 – 2

West North Central .................................................. – 90 – 6

South Atlantic ........................................................... – 95 – 2

East South Central ................................................... – 96 – 1

West South Central .................................................. – 94 – 3

Mountain .................................................................. – 92 – 2 ( )

Pacific ...................................................................... 5 93 – –

See footnotes at end of table.
Table 31. Inpatient mental healthcare benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2011—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 .. – 98 – 1 – 94 – –

Insurance carriers and related activities ...... – 97 – 2 – 90 – –

Professional and business services ..................... – 92 – 1 – 88 – 6

Professional and technical services ................. – 94 – – – 92 – 2 ( )

Education and health services ............................. 4 91 – – 15 85 – 2 ( )

Educational services ........................................ – 91 – 5 – 82 – –

Junior colleges, colleges, and universities ... – 93 – 1 28 72 – –

Healthcare and social assistance .................... 4 91 – – 13 86 – 2 ( )

Leisure and hospitality ......................................... – 96 – – – 98 – –

1 to 99 workers ........................................................ – 95 – 1 3 93 – –

1 to 49 workers .................................................... – 96 – 2 – 96 – 1

50 to 99 workers .................................................. – 93 – 1 – 84 – 7

100 workers or more ................................................ 2 93 – – 16 79 – –

100 to 499 workers .............................................. 1 93 – – – 83 – 3

500 workers or more ............................................ 3 94 – – 19 76 – –

Geographic area

New England ........................................................... – 92 – 3 29 67 – 3

Middle Atlantic ......................................................... 4 93 – – – 77 – 8

East North Central ................................................... – 94 – 3 – 88 – 2

West North Central .................................................. – 91 – 5 – 81 – 17

South Atlantic ........................................................... – 96 – 2 – 91 – 4

East South Central ................................................... – 98 – 1 – 80 – 7

West South Central .................................................. – 94 – 4 – 95 – 2 ( )

Mountain .................................................................. – 91 – 2 ( ) – 97 – –

Pacific ...................................................................... 2 96 – – 9 90 – –

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 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average wages

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

Earnings in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 31. Standard errors for inpatient mental healthcare benefits: Extent of

coverage by type of plan, private industry workers, National Compensation

Survey, 2011

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.5 0.7 0.4 0.5

Worker characteristic

Management, professional, and related .................. 1.0 1.0 – –

Management, business, and financial ................. – 2.1 – 0.9

Professional and related ...................................... 1.1 1.0 – –

Service ..................................................................... 0.6 1.4 – –

Protective service ................................................ – 4.1 – 3.5

Sales and office ....................................................... 0.5 1.3 – –

Sales and related ................................................. – 1.1 – 0.6

Office and administrative support ........................ – 1.7 – 1.3

Natural resources, construction, and maintenance – 1.4 – 1.1

Construction, extraction, farming, fishing, and

forestry ............................................................... – 2.1 – 1.4

Installation, maintenance, and repair ................... – 2.0 – 1.6

Production, transportation, and material moving ..... – 1.7 – 0.6

Production ............................................................ – 1.8 – 1.1

Transportation and material moving .................... – 2.9 – 0.2

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

Part time .................................................................. 1.0 3.9 – –

Union ....................................................................... 1.6 1.8 – –

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

Average wage within the following categories:2

Lowest 25 percent ............................................... – 2.1 – 0.5

Lowest 10 percent ........................................... – 5.0 – 0.5

Second 25 percent ............................................... – 1.1 0.8 –

Third 25 percent ................................................... – 1.4 – 1.1

Highest 25 percent ............................................... 0.7 0.6 – –

Highest 10 percent ........................................... 0.9 1.0 – –

Establishment characteristic

Goods-producing industries ..................................... – 1.3 – 1.0

Construction ......................................................... – 1.9 – 1.3

Manufacturing ...................................................... – 1.8 – 1.4

Service-providing industries ..................................... 0.5 0.9 – –

Trade, transportation, and utilities ....................... 0.5 1.4 – –

Wholesale trade ............................................... – 3.8 – 3.0

Retail trade ...................................................... – 1.1 – 0.4

Utilities ............................................................. – 4.3 – 0.1

Information ........................................................... – 2.1 – 1.2

Financial activities ................................................ – 1.6 – 0.5

Finance and insurance .................................... – 0.7 – 0.6

See footnotes at end of table.
Table 31. Standard errors for inpatient mental healthcare benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2011—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

All workers ............................................................... 0.4 0.7 0.5 0.4 1.4 2.0 – –

Worker characteristic

Management, professional, and related .................. – 1.2 – 0.7 2.0 2.6 – –

Management, business, and financial ................. – 2.6 – 0.9 2.0 3.3 – 2.7

Professional and related ...................................... – 1.3 – 0.8 2.7 3.3 – –

Service ..................................................................... 0.5 1.4 – – – 2.6 – 1.4

Protective service ................................................ – 3.4 – 3.3 – 12.3 – 10.2

Sales and office ....................................................... – 1.5 – 0.7 1.6 2.1 – –

Sales and related ................................................. – 1.2 – 0.7 – 2.1 – 0.6

Office and administrative support ........................ – 2.0 – 1.0 2.0 2.7 – –

Natural resources, construction, and maintenance – 1.5 – 1.2 – 5.4 – 2.4

Construction, extraction, farming, fishing, and

forestry ............................................................... – 2.4 – 1.7 – 5.2 – –

Installation, maintenance, and repair ................... – 1.8 – 1.7 – 7.8 – 4.1

Production, transportation, and material moving ..... – 1.5 – 0.7 – 5.3 – 1.7

Production ............................................................ – 1.8 – 1.2 – 5.8 – 2.4

Transportation and material moving .................... – 2.8 – 0.3 – 7.3 – 0.7

Full time ................................................................... 0.4 0.7 0.5 0.5 1.5 2.0 – –

Part time .................................................................. – 4.8 – 0.1 – 6.0 – 2.7

Union ....................................................................... 0.6 0.7 – – – 6.4 – 1.3

Nonunion ................................................................. – 0.8 0.6 – 1.2 2.0 – –

Average wage within the following categories:2

Lowest 25 percent ............................................... – 2.4 – 0.5 – 3.0 – 1.4

Lowest 10 percent ........................................... – 6.0 – 0.6 – 5.0 – –

Second 25 percent ............................................... 0.2 1.2 – – – 3.1 – 0.9

Third 25 percent ................................................... – 1.5 – 0.8 2.0 2.9 – –

Highest 25 percent ............................................... 0.6 0.6 – – 2.1 2.7 – –

Highest 10 percent ........................................... 0.4 0.5 – – 3.5 4.6 – 2.8

Establishment characteristic

Goods-producing industries ..................................... – 1.3 – 1.2 – 5.1 – 1.8

Construction ......................................................... – 2.1 – 1.6 – 5.4 – –

Manufacturing ...................................................... – 1.8 – 1.6 – 7.0 – 2.4

Service-providing industries ..................................... 0.5 0.9 – – 1.1 1.9 – –

Trade, transportation, and utilities ....................... – 1.2 – 0.6 – 4.5 – 3.7

Wholesale trade ............................................... – 3.6 – 2.5 – 7.6 – 8.6

Retail trade ...................................................... – 1.0 – 0.2 – 5.0 – 2.7

Utilities ............................................................. – 0.3 – 0.1 – – – –

Information ........................................................... – 1.7 – 1.6 – 8.0 – –

Financial activities ................................................ – 1.9 – 0.6 – 2.8 – –

Finance and insurance .................................... – 0.6 – 0.7 – 3.3 – –

See footnotes at end of table.
Table 31. Standard errors for inpatient mental healthcare benefits: Extent of

coverage by type of plan, private industry workers, National Compensation

Survey, 2011—Continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 0.7 – 0.4

Insurance carriers and related activities ...... – 1.7 – 1.1

Professional and business services ..................... – 2.8 – 1.3

Professional and technical services ................. – 3.5 – 3 ( )

Education and health services ............................. 1.1 1.3 – –

Educational services ........................................ – 2.3 – 2.5

Junior colleges, colleges, and universities ... 2.4 2.8 – –

Healthcare and social assistance .................... 1.4 1.7 – –

Leisure and hospitality ......................................... – 1.3 – –

1 to 99 workers ........................................................ – 1.0 – 0.5

1 to 49 workers .................................................... – 0.9 – 0.5

50 to 99 workers .................................................. – 2.5 – 1.0

100 workers or more ................................................ 0.6 1.1 – –

100 to 499 workers .............................................. 0.8 1.8 – –

500 workers or more ............................................ 0.9 1.1 – –

Geographic area

New England ........................................................... 2.6 2.4 – –

Middle Atlantic ......................................................... – 2.3 – 2.5

East North Central ................................................... – 1.6 – 1.0

West North Central .................................................. – 2.2 – 3.3

South Atlantic ........................................................... – 1.3 – 0.8

East South Central ................................................... – 1.1 – 0.5

West South Central .................................................. – 1.1 – 1.4

Mountain .................................................................. – 5.0 – 3 ( )

Pacific ...................................................................... 0.7 1.3 – –

See footnotes at end of table.
Table 31. Standard errors for inpatient mental healthcare benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2011—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 .. – 0.6 – 0.5 – 3.6 – –

Insurance carriers and related activities ...... – 1.5 – 1.4 – 6.7 – –

Professional and business services ..................... – 3.3 – 0.7 – 5.3 – 4.2

Professional and technical services ................. – 4.4 – – – 5.4 – 0.1

Education and health services ............................. 0.9 1.6 – – 3.1 3.1 – 0.3

Educational services ........................................ – 4.5 – 3.9 – 5.9 – –

Junior colleges, colleges, and universities ... – 3.3 – 1.3 3.5 3.5 – –

Healthcare and social assistance .................... 1.1 1.7 – – 3.5 3.6 – 0.4

Leisure and hospitality ......................................... – 1.6 – – – 1.8 – –

1 to 99 workers ........................................................ – 1.2 – 0.5 1.0 1.5 – –

1 to 49 workers .................................................... – 1.1 – 0.7 – 0.7 – 0.6

50 to 99 workers .................................................. – 3.0 – 0.7 – 4.0 – 4.3

100 workers or more ................................................ 0.3 1.0 – – 2.9 3.3 – –

100 to 499 workers .............................................. 0.2 1.7 – – – 4.7 – 1.5

500 workers or more ............................................ 0.6 1.1 – – 3.2 3.6 – –

Geographic area

New England ........................................................... – 3.1 – 2.3 7.5 8.5 – 2.9

Middle Atlantic ......................................................... 1.1 1.3 – – – 8.2 – 8.8

East North Central ................................................... – 1.9 – 1.1 – 3.6 – 1.1

West North Central .................................................. – 1.8 – 3.1 – 11.9 – 12.0

South Atlantic ........................................................... – 1.2 – 0.8 – 3.6 – 2.2

East South Central ................................................... – 0.3 – 0.4 – 8.3 – 4.1

West South Central .................................................. – 1.2 – 1.7 – 2.6 – 3 ( )

Mountain .................................................................. – 5.9 – 3 ( ) – 2.6 – –

Pacific ...................................................................... 0.3 1.5 – – 1.5 1.8 – –

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 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average wages

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

Earnings in the United States, 2010." See Technical Note for more details. 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/glossary20112012.htm.
Table 32. Outpatient mental healthcare benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2011

(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

All workers ............................................................... – 80 – 15 – 81 – 14

Worker characteristic

Management, professional, and related .................. – 80 – 14 – 81 – 12

Management, business, and financial ................. – 84 – 14 – 84 – 14

Professional and related ...................................... – 78 – 13 – 80 – 10

Service ..................................................................... 1 81 – – – – – –

Protective service ................................................ – 81 – 15 – 76 – 17

Sales and office ....................................................... – 79 – 18 – 80 – 17

Sales and related ................................................. – 86 – 11 – 88 – 8

Natural resources, construction, and maintenance – 82 – 13 – 84 – 11

Construction, extraction, farming, fishing, and

forestry ............................................................... – 80 – 14 – 80 – 13

Installation, maintenance, and repair ................... – 83 – 13 – 86 – 10

Production, transportation, and material moving ..... – 82 – 14 – 83 – 13

Production ............................................................ – 83 – 13 – 85 – 12

Transportation and material moving .................... – 80 – 15 – 80 – 15

Full time ................................................................... – 80 – 16 – 81 – 15

Part time .................................................................. – 86 – 8 – 88 – 5

Union ....................................................................... – 84 – 12 3 87 – –

Nonunion ................................................................. – 80 – 16 – 80 – 15

Average wage within the following categories:2

Lowest 25 percent ............................................... – 78 – 16 – 78 – 15

Lowest 10 percent ........................................... – 71 – 18 – 71 – 15

Second 25 percent ............................................... – 76 – 18 – 77 – 16

Third 25 percent ................................................... – 80 – 17 – 80 – 16

Highest 25 percent ............................................... 2 85 – – – 86 – 11

Highest 10 percent ........................................... – 87 – 10 1 88 – –

Establishment characteristic

Goods-producing industries ..................................... – 84 – 14 – 85 – 13

Construction ......................................................... – 83 – 15 – 85 – 13

Manufacturing ...................................................... – 83 – 14 – 85 – 14

Service-providing industries ..................................... – 80 – 16 – 80 – 14

Trade, transportation, and utilities ....................... – 83 – 15 – 85 – 12

Wholesale trade ............................................... – 83 – 17 – 90 – 10

Retail trade ...................................................... – 88 – 8 – 91 – 5

Information ........................................................... – 92 – 7 – 96 – 3

Financial activities:

 Finance and insurance:

 Insurance carriers and related activities ........ – 85 – 14 – 84 – 16

Professional and business services ..................... – 83 – 8 – 82 – 7

See footnotes at end of table.
Table 32. Outpatient mental healthcare benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2011—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

Professional and technical services ................. – 85 – 4 – 85 – 4

Education and health services ............................. 2 76 – – 3 76 – –

Educational services ........................................ – – – – 2 79 – –

Junior colleges, colleges, and universities ... 3 83 – – – – – –

Healthcare and social assistance .................... – 77 – 15 – 75 – 14

1 to 99 workers ........................................................ – 78 – 17 – 78 – 16

1 to 49 workers .................................................... – 76 – 19 – 76 – 18

50 to 99 workers .................................................. – 82 – 12 – 81 – 12

100 workers or more ................................................ 2 83 – – 1 84 – –

100 to 499 workers .............................................. – 82 – 15 – 84 – 13

500 workers or more ............................................ 2 84 – – 2 83 – –

Geographic area

New England ........................................................... 3 88 – – – 86 – 10

Middle Atlantic ......................................................... – 78 – 18 – 79 – 17

East North Central ................................................... – 88 – 10 – 90 – 9

West North Central .................................................. – 84 – 13 – 85 – 12

South Atlantic ........................................................... – 73 – 18 – 75 – 15

East South Central ................................................... – 82 – 15 – 84 – 13

West South Central .................................................. – 79 – 18 – 80 – 17

Pacific ...................................................................... – 86 – 13 – 86 – 12

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 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average wages

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

Earnings in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 32. Standard errors for outpatient mental healthcare benefits: Extent of coverage by type of plan, private

industry workers, National Compensation Survey, 2011

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

All workers ............................................................... – 1.5 – 1.2 – 1.8 – 1.3

Worker characteristic

Management, professional, and related .................. – 2.6 – 1.7 – 3.0 – 1.5

Management, business, and financial ................. – 2.0 – 1.8 – 2.3 – 2.2

Professional and related ...................................... – 3.9 – 2.6 – 4.6 – 1.9

Service ..................................................................... 0.2 3.7 – – – – – –

Protective service ................................................ – 9.2 – 6.1 – 13.6 – 8.5

Sales and office ....................................................... – 2.2 – 2.0 – 2.4 – 2.2

Sales and related ................................................. – 2.5 – 2.1 – 2.4 – 1.9

Natural resources, construction, and maintenance – 3.0 – 2.4 – 3.2 – 2.3

Construction, extraction, farming, fishing, and

forestry ............................................................... – 5.3 – 3.3 – 6.2 – 3.9

Installation, maintenance, and repair ................... – 3.2 – 3.1 – 3.0 – 2.7

Production, transportation, and material moving ..... – 2.7 – 2.6 – 3.2 – 2.9

Production ............................................................ – 2.5 – 2.4 – 3.0 – 2.7

Transportation and material moving .................... – 4.8 – 4.5 – 5.5 – 5.1

Full time ................................................................... – 1.6 – 1.3 – 1.9 – 1.3

Part time .................................................................. – 3.9 – 1.7 – 4.6 – 1.3

Union ....................................................................... – 2.4 – 2.1 0.7 2.7 – –

Nonunion ................................................................. – 1.7 – 1.3 – 2.0 – 1.3

Average wage within the following categories:2

Lowest 25 percent ............................................... – 3.7 – 3.6 – 4.3 – 4.2

Lowest 10 percent ........................................... – 7.2 – 6.4 – 8.3 – 7.1

Second 25 percent ............................................... – 4.3 – 2.4 – 5.1 – 2.2

Third 25 percent ................................................... – 1.9 – 1.8 – 2.3 – 2.1

Highest 25 percent ............................................... 0.6 1.1 – – – 1.2 – 1.1

Highest 10 percent ........................................... – 1.4 – 1.3 0.4 1.5 – –

Establishment characteristic

Goods-producing industries ..................................... – 2.1 – 2.1 – 2.6 – 2.3

Construction ......................................................... – 3.3 – 2.8 – 3.9 – 3.3

Manufacturing ...................................................... – 2.6 – 2.7 – 3.2 – 3.0

Service-providing industries ..................................... – 1.9 – 1.4 – 2.2 – 1.4

Trade, transportation, and utilities ....................... – 2.5 – 2.5 – 2.5 – 2.5

Wholesale trade ............................................... – 4.2 – 4.2 – 3.4 – 3.4

Retail trade ...................................................... – 2.1 – 1.7 – 1.8 – 1.4

Information ........................................................... – 3.5 – 3.4 – 1.8 – 1.7

Financial activities:

 Finance and insurance:

 Insurance carriers and related activities ........ – 4.0 – 4.0 – 4.5 – 4.5

Professional and business services ..................... – 3.7 – 2.4 – 4.3 – 2.3

See footnotes at end of table.
Table 32. Standard errors for outpatient mental healthcare benefits: Extent of coverage by type of plan, private

industry workers, National Compensation Survey, 2011—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

Professional and technical services ................. – 4.7 – 1.7 – 5.6 – 1.5

Education and health services ............................. 0.6 5.7 – – 0.8 7.2 – –

Educational services ........................................ – – – – 0.6 5.8 – –

Junior colleges, colleges, and universities ... 0.7 4.1 – – – – – –

Healthcare and social assistance .................... – 6.9 – 3.8 – 8.4 – 3.7

1 to 99 workers ........................................................ – 2.9 – 1.9 – 3.5 – 2.0

1 to 49 workers .................................................... – 3.6 – 2.3 – 4.3 – 2.2

50 to 99 workers .................................................. – 4.3 – 3.4 – 5.1 – 3.8

100 workers or more ................................................ 0.4 1.4 – – 0.2 1.6 – –

100 to 499 workers .............................................. – 2.2 – 2.0 – 2.3 – 2.2

500 workers or more ............................................ 0.6 1.8 – – 0.5 2.0 – –

Geographic area

New England ........................................................... 0.7 3.0 – – – 3.2 – 3.0

Middle Atlantic ......................................................... – 1.6 – 2.7 – 3.2 – 3.1

East North Central ................................................... – 2.1 – 2.1 – 2.4 – 2.3

West North Central .................................................. – 4.2 – 3.5 – 4.2 – 3.5

South Atlantic ........................................................... – 5.5 – 3.3 – 6.0 – 2.7

East South Central ................................................... – 6.1 – 6.4 – 6.5 – 6.7

West South Central .................................................. – 3.1 – 3.3 – 3.3 – 3.7

Pacific ...................................................................... – 3.6 – 3.6 – 4.4 – 4.4

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 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average wages

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

Earnings in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 33. Inpatient substance abuse detoxification benefits: Extent of

coverage by type of plan, private industry workers, National Compensation

Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 4 92 – –

Worker characteristic

Management, professional, and related .................. 6 91 – –

Management, business, and financial ................. – 90 – 3

Professional and related ...................................... 6 91 – –

Service ..................................................................... 5 93 – –

Protective service ................................................ – 92 – 6

Sales and office ....................................................... 2 94 – –

Sales and related ................................................. – 97 – 1

Office and administrative support ........................ – 92 – 3

Natural resources, construction, and maintenance – 90 – 4

Construction, extraction, farming, fishing, and

forestry ............................................................... – 89 – 3

Installation, maintenance, and repair ................... – 91 – 5

Production, transportation, and material moving ..... – 92 – 2

Production ............................................................ – 92 – 3

Transportation and material moving .................... – 92 – 1

Full time ................................................................... 4 92 – –

Part time .................................................................. – 88 – 1

Union ....................................................................... 6 92 – –

Nonunion ................................................................. 4 92 2 3

Average wage within the following categories:3

Lowest 25 percent ............................................... – 92 – 1

Lowest 10 percent ........................................... – 87 – 2 ( )

Second 25 percent ............................................... 2 94 – –

Third 25 percent ................................................... 4 91 – –

Highest 25 percent ............................................... 6 92 – –

Highest 10 percent ........................................... 7 91 – –

Establishment characteristic

Goods-producing industries ..................................... – 91 – 4

Construction ......................................................... 5 90 – –

Manufacturing ...................................................... – 91 – 5

Service-providing industries ..................................... 4 92 – –

Trade, transportation, and utilities ....................... 2 95 – –

Wholesale trade ............................................... – 90 – 6

Retail trade ...................................................... – 97 – 1

Utilities ............................................................. 16 84 – –

Information ........................................................... – 90 – 5

Financial activities ................................................ 2 95 – –

Finance and insurance .................................... 2 96 – –

See footnotes at end of table.
Table 33. Inpatient substance abuse detoxification benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2011—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

All workers ............................................................... 2 94 – – 12 84 – –

Worker characteristic

Management, professional, and related .................. – 94 – 2 15 82 – –

Management, business, and financial ................. – 93 – 2 14 81 – 5

Professional and related ...................................... – 94 – 2 15 83 – –

Service ..................................................................... 2 96 – – – 88 – 2

Protective service ................................................ – 95 – 4 – 87 – 10

Sales and office ....................................................... – 95 – 2 8 88 – –

Sales and related ................................................. – 97 – 1 – 94 – 1

Office and administrative support ........................ – 94 – 3 9 86 – –

Natural resources, construction, and maintenance – 92 – 4 – 80 – 5

Construction, extraction, farming, fishing, and

forestry ............................................................... – 90 – 3 – 84 – –

Installation, maintenance, and repair ................... – 93 – 5 – 77 – 9

Production, transportation, and material moving ..... – 94 – 2 – 81 – 2

Production ............................................................ – 94 – 3 – 83 – 3

Transportation and material moving .................... – 95 – 1 – 79 – 1

Full time ................................................................... 2 94 – – 12 85 – –

Part time .................................................................. – 92 – 2 ( ) – 70 – 6

Union ....................................................................... 3 95 – – – 80 – 3

Nonunion ................................................................. – 94 2 – 12 85 – –

Average wage within the following categories:3

Lowest 25 percent ............................................... – 93 – 1 – 89 – 3

Lowest 10 percent ........................................... – 88 – 2 ( ) – 80 – –

Second 25 percent ............................................... 1 94 – – – 90 – 2

Third 25 percent ................................................... – 93 – 3 12 84 – –

Highest 25 percent ............................................... 3 95 – – 18 79 – –

Highest 10 percent ........................................... 2 96 – – 26 68 – –

Establishment characteristic

Goods-producing industries ..................................... – 93 – 4 – 80 – 2

Construction ......................................................... – 92 – 3 – 79 – –

Manufacturing ...................................................... – 93 – 5 – 79 – 3

Service-providing industries ..................................... 2 95 – – 11 85 – –

Trade, transportation, and utilities ....................... – 97 – 1 – 82 – 9

Wholesale trade ............................................... – 96 – 3 – 73 – 15

Retail trade ...................................................... – 98 – 2 ( ) – 89 – 7

Utilities ............................................................. – 97 – 2 () – – – –

Information ........................................................... – 92 – 6 – 82 – –

Financial activities ................................................ – 96 – 1 – 92 – –

Finance and insurance .................................... – 97 – 2 – 90 – –

See footnotes at end of table.
Table 33. Inpatient substance abuse detoxification benefits: Extent of

coverage by type of plan, private industry workers, National Compensation

Survey, 2011—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 .. – 98 – 1

Insurance carriers and related activities ...... – 94 – 2

Professional and business services ..................... – 90 – 2

Professional and technical services ................. – 93 – 2 ( )

Education and health services ............................. 7 91 – –

Educational services ........................................ – 87 – 3

Junior colleges, colleges, and universities ... 11 86 – –

Healthcare and social assistance .................... 7 92 – –

Leisure and hospitality ......................................... – 95 – –

1 to 99 workers ........................................................ 3 94 – –

1 to 49 workers .................................................... – 96 – 2

50 to 99 workers .................................................. – 91 – 2

100 workers or more ................................................ 5 90 – –

100 to 499 workers .............................................. 4 91 – –

500 workers or more ............................................ 7 89 – –

Geographic area

New England ........................................................... 13 84 – 3

Middle Atlantic ......................................................... – 89 – 4

East North Central ................................................... – 93 – 2

West North Central .................................................. – 86 – 8

South Atlantic ........................................................... – 95 – 2

East South Central ................................................... – 97 – 1

West South Central .................................................. – 95 – 2

Mountain .................................................................. – 91 – 2 ( )

Pacific ...................................................................... 6 93 – –

See footnotes at end of table.
Table 33. Inpatient substance abuse detoxification benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2011—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 .. – 98 – 1 – 94 – –

Insurance carriers and related activities ...... – 96 – 3 – 86 – –

Professional and business services ..................... – 92 – 1 – 85 – 6

Professional and technical services ................. – 94 – – – 91 – 2 ( )

Education and health services ............................. 5 93 – – 15 85 – –

Educational services ........................................ – 91 – 5 – 81 – –

Junior colleges, colleges, and universities ... – 93 – 2 31 69 – –

Healthcare and social assistance .................... 5 93 – – 13 86 – –

Leisure and hospitality ......................................... – 98 – – – 85 – –

1 to 99 workers ........................................................ – 95 – 2 6 92 – 2

1 to 49 workers .................................................... – 96 – 2 – 96 – 1

50 to 99 workers .................................................. – 93 – 1 – 80 – 7

100 workers or more ................................................ 2 94 – – 20 76 – –

100 to 499 workers .............................................. 1 94 – – 17 80 – 3

500 workers or more ............................................ 3 94 – – 22 73 – –

Geographic area

New England ........................................................... – 92 – 3 32 65 – 3

Middle Atlantic ......................................................... 4 93 – – 17 75 – 8

East North Central ................................................... – 94 – 2 11 87 – –

West North Central .................................................. – 89 – 6 – 62 – 17

South Atlantic ........................................................... – 96 – 2 – 91 – 4

East South Central ................................................... – 99 – 1 – 82 – 7

West South Central .................................................. – 95 – 3 – 95 – 2 ( )

Mountain .................................................................. – 90 – 2 ( ) – 97 – –

Pacific ...................................................................... 2 97 – – 12 88 – 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 Less than 0.5. 3 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average wages

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

Earnings in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 33. Standard errors for inpatient substance abuse detoxification

benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2011

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.5 0.7 – –

Worker characteristic

Management, professional, and related .................. 1.0 0.9 – –

Management, business, and financial ................. – 2.0 – 1.0

Professional and related ...................................... 1.1 1.0 – –

Service ..................................................................... 1.3 1.7 – –

Protective service ................................................ – 3.7 – 3.1

Sales and office ....................................................... 0.5 1.3 – –

Sales and related ................................................. – 1.1 – 0.6

Office and administrative support ........................ – 1.7 – 1.3

Natural resources, construction, and maintenance – 1.8 – 1.4

Construction, extraction, farming, fishing, and

forestry ............................................................... – 2.9 – 1.5

Installation, maintenance, and repair ................... – 2.4 – 2.0

Production, transportation, and material moving ..... – 1.8 – 0.7

Production ............................................................ – 2.1 – 1.2

Transportation and material moving .................... – 2.6 – 0.3

Full time ................................................................... 0.5 0.7 – –

Part time .................................................................. – 4.2 – 0.5

Union ....................................................................... 1.7 1.9 – –

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

Average wage within the following categories:2

Lowest 25 percent ............................................... – 2.3 – 0.4

Lowest 10 percent ........................................... – 5.5 – 0.1

Second 25 percent ............................................... 0.6 1.1 – –

Third 25 percent ................................................... 1.1 1.5 – –

Highest 25 percent ............................................... 0.7 0.6 – –

Highest 10 percent ........................................... 0.9 1.0 – –

Establishment characteristic

Goods-producing industries ..................................... – 1.5 – 1.1

Construction ......................................................... 1.3 2.5 – –

Manufacturing ...................................................... – 2.0 – 1.5

Service-providing industries ..................................... 0.5 0.8 – –

Trade, transportation, and utilities ....................... 0.5 1.1 – –

Wholesale trade ............................................... – 2.5 – 3.0

Retail trade ...................................................... – 1.1 – 0.4

Utilities ............................................................. 4.4 4.4 – –

Information ........................................................... – 2.8 – 2.4

Financial activities ................................................ 0.5 1.6 – –

Finance and insurance .................................... 0.7 0.8 – –

See footnotes at end of table.
Table 33. Standard errors for inpatient substance abuse detoxification benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2011—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

All workers ............................................................... 0.4 0.7 – – 1.8 2.2 – –

Worker characteristic

Management, professional, and related .................. – 1.2 – 0.6 2.1 2.7 – –

Management, business, and financial ................. – 2.7 – 0.9 2.1 3.4 – 2.7

Professional and related ...................................... – 1.2 – 0.7 2.9 3.4 – –

Service ..................................................................... 0.6 1.0 – – – 4.6 – 1.4

Protective service ................................................ – 2.9 – 2.8 – 12.3 – 10.2

Sales and office ....................................................... – 1.5 – 0.7 1.9 2.2 – –

Sales and related ................................................. – 1.2 – 0.7 – 2.4 – 0.6

Office and administrative support ........................ – 2.0 – 1.0 2.4 3.0 – –

Natural resources, construction, and maintenance – 1.9 – 1.6 – 7.3 – 2.4

Construction, extraction, farming, fishing, and

forestry ............................................................... – 3.1 – 1.8 – 9.1 – –

Installation, maintenance, and repair ................... – 2.4 – 2.2 – 9.0 – 4.1

Production, transportation, and material moving ..... – 1.6 – 0.8 – 5.9 – 1.7

Production ............................................................ – 2.0 – 1.3 – 6.9 – 2.4

Transportation and material moving .................... – 2.7 – 0.3 – 6.6 – 0.7

Full time ................................................................... 0.4 0.7 – – 1.8 2.3 – –

Part time .................................................................. – 4.8 – 0.1 – 10.0 – 2.7

Union ....................................................................... 0.7 0.9 – – – 6.6 – 1.3

Nonunion ................................................................. – 0.8 0.6 – 1.8 2.2 – –

Average wage within the following categories:2

Lowest 25 percent ............................................... – 2.6 – 0.4 – 4.6 – 1.4

Lowest 10 percent ........................................... – 6.2 – 0.1 – 14.5 – –

Second 25 percent ............................................... 0.3 1.2 – – – 3.0 – 0.9

Third 25 percent ................................................... – 1.5 – 0.9 2.7 3.4 – –

Highest 25 percent ............................................... 0.6 0.6 – – 2.3 2.8 – –

Highest 10 percent ........................................... 0.4 0.5 – – 3.7 4.6 – –

Establishment characteristic

Goods-producing industries ..................................... – 1.4 – 1.3 – 5.8 – 1.8

Construction ......................................................... – 2.5 – 1.7 – 8.3 – –

Manufacturing ...................................................... – 1.9 – 1.7 – 7.9 – 2.4

Service-providing industries ..................................... 0.6 0.9 – – 1.4 2.2 – –

Trade, transportation, and utilities ....................... – 1.1 – 0.6 – 4.1 – 3.7

Wholesale trade ............................................... – 2.6 – 2.5 – 6.9 – 8.6

Retail trade ...................................................... – 1.0 – 0.2 – 5.0 – 2.7

Utilities ............................................................. – 2.5 – 0.1 – – – –

Information ........................................................... – 3.2 – 3.2 – 8.0 – –

Financial activities ................................................ – 1.9 – 0.6 – 2.7 – –

Finance and insurance .................................... – 0.6 – 0.8 – 3.4 – –

See footnotes at end of table.
Table 33. Standard errors for inpatient substance abuse detoxification

benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2011—Continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 0.7 – 0.4

Insurance carriers and related activities ...... – 2.0 – 1.4

Professional and business services ..................... – 2.8 – 1.3

Professional and technical services ................. – 3.5 – 3 ( )

Education and health services ............................. 1.2 1.2 – –

Educational services ........................................ – 2.3 – 2.5

Junior colleges, colleges, and universities ... 2.3 2.8 – –

Healthcare and social assistance .................... 1.4 1.6 – –

Leisure and hospitality ......................................... – 2.2 – –

1 to 99 workers ........................................................ 0.8 1.0 – –

1 to 49 workers .................................................... – 0.7 – 0.6

50 to 99 workers .................................................. – 2.6 – 0.9

100 workers or more ................................................ 0.7 1.1 – –

100 to 499 workers .............................................. 1.0 1.8 – –

500 workers or more ............................................ 1.0 1.1 – –

Geographic area

New England ........................................................... 2.4 2.0 – 1.8

Middle Atlantic ......................................................... – 2.0 – 1.8

East North Central ................................................... – 1.5 – 0.9

West North Central .................................................. – 2.5 – 4.3

South Atlantic ........................................................... – 1.4 – 0.8

East South Central ................................................... – 0.8 – 0.5

West South Central .................................................. – 1.1 – 0.9

Mountain .................................................................. – 5.6 – 3 ( )

Pacific ...................................................................... 1.4 1.5 – –

See footnotes at end of table.
Table 33. Standard errors for inpatient substance abuse detoxification benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2011—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 .. – 0.6 – 0.5 – 3.6 – –

Insurance carriers and related activities ...... – 1.8 – 1.8 – 7.1 – –

Professional and business services ..................... – 3.3 – 0.7 – 5.7 – 4.2

Professional and technical services ................. – 4.4 – – – 5.5 – 0.1

Education and health services ............................. 0.9 1.4 – – 3.0 3.0 – –

Educational services ........................................ – 4.5 – 4.0 – 5.9 – –

Junior colleges, colleges, and universities ... – 3.3 – 1.5 3.9 3.9 – –

Healthcare and social assistance .................... 1.2 1.5 – – 3.5 3.5 – –

Leisure and hospitality ......................................... – 1.0 – – – 9.1 – –

1 to 99 workers ........................................................ – 1.1 – 0.6 1.3 2.0 – 1.6

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

50 to 99 workers .................................................. – 3.0 – 0.5 – 6.0 – 4.3

100 workers or more ................................................ 0.3 1.0 – – 3.3 3.5 – –

100 to 499 workers .............................................. 0.3 1.7 – – 5.0 5.1 – 1.5

500 workers or more ............................................ 0.6 1.0 – – 3.6 3.7 – –

Geographic area

New England ........................................................... – 3.3 – 2.3 8.7 9.2 – 2.9

Middle Atlantic ......................................................... 1.1 1.2 – – 4.9 9.2 – 8.8

East North Central ................................................... – 1.9 – 1.0 3.1 3.7 – –

West North Central .................................................. – 2.4 – 4.3 – 6.4 – 12.0

South Atlantic ........................................................... – 1.3 – 0.8 – 3.9 – 2.2

East South Central ................................................... – 0.6 – 0.4 – 7.9 – 4.1

West South Central .................................................. – 1.1 – 1.0 – 2.6 – 3 ( )

Mountain .................................................................. – 6.5 – 3 ( ) – 2.6 – –

Pacific ...................................................................... 0.3 1.0 – – 3.0 3.1 – 0.1

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 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average wages

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

Earnings in the United States, 2010." See Technical Note for more details. 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/glossary20112012.htm.
Table 34. Inpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2011

(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

All workers ............................................................... 3 73 7 17 2 76 6 16

Worker characteristic

Management, professional, and related .................. 6 72 – – – 77 – 13

Management, business, and financial ................. – 74 6 – – 78 – 15

Professional and related ...................................... 6 71 – – – 76 – 11

Service ..................................................................... – 72 – 19 – – – –

Protective service ................................................ – 81 – 16 – 80 – 19

Sales and office ....................................................... – – – – – 75 6 –

Sales and related ................................................. – 82 – 12 – 86 – 10

Natural resources, construction, and maintenance – 78 7 – – 81 6 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 77 – 10 – 80 – 8

Installation, maintenance, and repair ................... – 79 – 16 – 82 – 14

Production, transportation, and material moving ..... – 75 7 – – 77 7 –

Production ............................................................ – 76 – 15 – 77 – 15

Transportation and material moving .................... – 73 – 19 – 76 – 17

Full time ................................................................... 3 72 7 18 2 76 6 16

Part time .................................................................. – 78 – 10 – 83 – 6

Union ....................................................................... – 79 – 13 3 84 – –

Nonunion ................................................................. 3 72 8 18 – 75 7 –

Average wage within the following categories:2

Lowest 25 percent ............................................... – 72 – 19 – 74 – 17

Lowest 10 percent ........................................... – 64 – 19 – 69 – 16

Second 25 percent ............................................... – – – – 1 71 – –

Third 25 percent ................................................... – 73 6 – – 76 4 –

Highest 25 percent ............................................... 5 76 6 13 2 81 5 11

Highest 10 percent ........................................... 6 78 5 11 2 83 – –

Establishment characteristic

Goods-producing industries ..................................... – 75 6 – – 78 6 –

Construction ......................................................... – 73 – 15 – 77 – 13

Manufacturing ...................................................... – 76 5 – – 79 5 –

Service-providing industries ..................................... 3 72 7 17 2 76 6 16

Trade, transportation, and utilities ....................... – 77 5 – – 81 4 –

Wholesale trade ............................................... – – – – – 80 – 16

Retail trade ...................................................... – 84 – 10 – 88 – 7

Utilities ............................................................. – 68 – 18 – – – –

Information ........................................................... – 84 – 9 – 90 – 5

Financial activities:

 Finance and insurance:

 Insurance carriers and related activities ........ – 79 – 14 – 83 – 15

Professional and business services ..................... – 79 – 9 – 81 – 8

See footnotes at end of table.
Table 34. Inpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2011—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

Professional and technical services ................. – 82 – 6 – 83 – 5

Education and health services ............................. – – – – 4 68 – –

Educational services:

 Junior colleges, colleges, and universities ... 10 68 2 19 – 77 – 16

Healthcare and social assistance .................... 6 64 – – 4 67 – –

1 to 99 workers ........................................................ – 71 9 – – 74 8 –

1 to 49 workers .................................................... – – – – – 72 – 19

50 to 99 workers .................................................. – 74 9 – – 78 – 11

100 workers or more ................................................ 4 74 6 17 1 78 5 15

100 to 499 workers .............................................. – 74 – 19 – 79 – 16

500 workers or more ............................................ 6 74 6 14 2 77 – –

Geographic area

New England ........................................................... 9 75 – – – 81 – 12

Middle Atlantic ......................................................... 6 67 – – 3 71 – –

East North Central ................................................... – 85 – 9 – 87 – 9

West North Central .................................................. – 76 – 17 – 77 – 17

South Atlantic ........................................................... – – – – – 73 – 18

East South Central ................................................... – 76 – 17 – 78 – 16

Pacific ...................................................................... 4 69 – – 2 81 – –

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 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average wages

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

Earnings in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 34. Standard errors for inpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2011

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

All workers ............................................................... 0.5 1.6 1.3 1.3 0.4 1.8 1.3 1.3

Worker characteristic

Management, professional, and related .................. 1.0 2.5 – – – 2.9 – 1.5

Management, business, and financial ................. – 2.6 1.5 – – 3.0 – 2.1

Professional and related ...................................... 1.1 3.8 – – – 4.4 – 1.9

Service ..................................................................... – 5.0 – 3.6 – – – –

Protective service ................................................ – 7.2 – 6.4 – 9.2 – 8.9

Sales and office ....................................................... – – – – – 2.6 1.7 –

Sales and related ................................................. – 2.5 – 2.2 – 2.3 – 2.1

Natural resources, construction, and maintenance – 2.8 1.5 – – 3.1 1.9 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 4.1 – 2.6 – 5.2 – 2.9

Installation, maintenance, and repair ................... – 3.7 – 3.4 – 3.6 – 3.2

Production, transportation, and material moving ..... – 2.8 1.7 – – 3.2 2.0 –

Production ............................................................ – 3.1 – 3.1 – 3.8 – 3.6

Transportation and material moving .................... – 4.6 – 4.3 – 5.2 – 4.9

Full time ................................................................... 0.5 1.7 1.3 1.3 0.4 1.9 1.3 1.4

Part time .................................................................. – 4.4 – 1.9 – 4.7 – 1.5

Union ....................................................................... – 2.6 – 2.2 0.6 2.8 – –

Nonunion ................................................................. 0.5 1.8 1.4 1.3 – 2.0 1.5 –

Average wage within the following categories:2

Lowest 25 percent ............................................... – 4.0 – 3.6 – 4.5 – 4.1

Lowest 10 percent ........................................... – 7.7 – 6.4 – 8.2 – 7.1

Second 25 percent ............................................... – – – – 0.2 5.0 – –

Third 25 percent ................................................... – 2.1 1.5 – – 2.4 1.1 –

Highest 25 percent ............................................... 0.7 1.4 0.9 1.1 0.6 1.3 0.9 1.1

Highest 10 percent ........................................... 0.9 2.1 1.3 1.2 0.4 2.2 – –

Establishment characteristic

Goods-producing industries ..................................... – 2.1 1.3 – – 2.8 1.6 –

Construction ......................................................... – 4.4 – 2.9 – 5.9 – 3.4

Manufacturing ...................................................... – 3.0 1.2 – – 3.5 1.4 –

Service-providing industries ..................................... 0.5 1.9 1.6 1.4 0.5 2.1 1.6 1.4

Trade, transportation, and utilities ....................... – 2.5 1.1 – – 2.6 1.2 –

Wholesale trade ............................................... – – – – – 4.2 – 4.1

Retail trade ...................................................... – 2.5 – 1.9 – 2.0 – 1.8

Utilities ............................................................. – 5.6 – 5.2 – – – –

Information ........................................................... – 3.7 – 3.6 – 2.7 – 2.2

Financial activities:

 Finance and insurance:

 Insurance carriers and related activities ........ – 4.9 – 4.0 – 4.5 – 4.4

Professional and business services ..................... – 3.8 – 2.5 – 4.0 – 2.3

See footnotes at end of table.
Table 34. Standard errors for inpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2011—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

Professional and technical services ................. – 4.1 – 1.9 – 4.7 – 1.6

Education and health services ............................. – – – – 0.9 7.3 – –

Educational services:

 Junior colleges, colleges, and universities ... 2.2 5.0 0.7 4.3 – 5.6 – 4.7

Healthcare and social assistance .................... 1.3 7.1 – – 1.1 8.5 – –

1 to 99 workers ........................................................ – 2.9 2.1 – – 3.3 2.3 –

1 to 49 workers .................................................... – – – – – 4.2 – 2.4

50 to 99 workers .................................................. – 4.6 2.8 – – 4.7 – 3.8

100 workers or more ................................................ 0.6 1.7 1.1 1.5 0.2 1.8 1.2 1.6

100 to 499 workers .............................................. – 2.7 – 2.2 – 2.6 – 2.4

500 workers or more ............................................ 0.9 2.0 1.6 1.8 0.6 2.3 – –

Geographic area

New England ........................................................... 1.6 5.5 – – – 4.3 – 3.4

Middle Atlantic ......................................................... 1.7 2.7 – – 0.7 3.7 – –

East North Central ................................................... – 2.5 – 2.0 – 3.0 – 2.3

West North Central .................................................. – 4.6 – 6.1 – 5.2 – 6.2

South Atlantic ........................................................... – – – – – 6.3 – 2.9

East South Central ................................................... – 6.2 – 6.6 – 6.5 – 6.8

Pacific ...................................................................... 0.8 4.3 – – 0.3 4.4 – –

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 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average wages

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

Earnings in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 35. Outpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2011

(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

All workers ............................................................... 2 75 5 18 – 77 6 –

Worker characteristic

Management, professional, and related .................. 3 76 – – – 78 – 13

Management, business, and financial ................. – 81 3 – – 82 – 15

Professional and related ...................................... – 74 – 15 – 76 – 11

Service ..................................................................... 1 77 – – – – – –

Protective service ................................................ – 79 – 16 – 74 – 19

Sales and office ....................................................... – – – – – 75 6 –

Sales and related ................................................. – 83 – 12 – 86 – 10

Natural resources, construction, and maintenance – 77 5 – – 78 6 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 73 – 16 – 72 – 15

Installation, maintenance, and repair ................... – 80 – 16 – 82 – 14

Production, transportation, and material moving ..... – 74 7 – – 76 7 –

Production ............................................................ – 74 – 19 – 75 – 18

Transportation and material moving .................... – 74 – 17 – 76 – 16

Full time ................................................................... 2 75 5 18 – 76 6 –

Part time .................................................................. – 82 – 10 – 84 – 7

Union ....................................................................... – 79 5 – 3 83 – –

Nonunion ................................................................. – 75 6 – – 76 6 –

Average wage within the following categories:2

Lowest 25 percent ............................................... – 75 – 18 – 75 – 17

Lowest 10 percent ........................................... – 69 – 18 – 69 – 16

Second 25 percent ............................................... – – – – – 71 – 19

Third 25 percent ................................................... – 74 5 – – 75 4 –

Highest 25 percent ............................................... 2 80 4 14 – 82 4 –

Highest 10 percent ........................................... 2 84 – – 1 86 – –

Establishment characteristic

Goods-producing industries ..................................... – 77 4 – – 78 4 –

Construction ......................................................... – 80 – 15 – 82 – 14

Manufacturing ...................................................... – – – – – 77 – 19

Service-providing industries ..................................... – 75 6 – – 76 6 –

Trade, transportation, and utilities ....................... – 78 5 – – 81 5 14

Wholesale trade ............................................... – – – – – 83 – 15

Retail trade ...................................................... – 85 – 10 – 88 – 7

Information ........................................................... – 90 – 9 – 95 – 5

Financial activities:

 Finance and insurance:

 Insurance carriers and related activities ........ – 84 – 15 – 84 – 16

Professional and business services ..................... – 80 – 8 – 80 – 7

See footnotes at end of table.
Table 35. Outpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2011—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

Professional and technical services ................. – 81 – 5 – 81 – 4

Education and health services ............................. – – – – 3 69 – –

Educational services:

 Junior colleges, colleges, and universities ... – – – – – 77 – 17

Healthcare and social assistance .................... – 70 – 16 – 68 – 16

1 to 99 workers ........................................................ – 73 7 – – 74 – 17

50 to 99 workers .................................................. – 77 – 13 – 76 – 12

100 workers or more ................................................ 2 77 4 16 1 79 5 15

100 to 499 workers .............................................. – 77 – 18 – 80 – 16

500 workers or more ............................................ 3 77 6 14 2 78 – –

Geographic area

New England ........................................................... 3 83 – – – 84 – 11

Middle Atlantic ......................................................... – – – – – 72 – 17

East North Central ................................................... – 86 – 10 – 89 – 9

West North Central .................................................. – 77 – 19 – 77 – 18

South Atlantic ........................................................... – – – – – 71 – 18

East South Central ................................................... – 77 – 17 – 78 – 16

Pacific ...................................................................... – 81 4 – – 83 – 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 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average wages

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

Earnings in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 35. Standard errors for outpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2011

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

All workers ............................................................... 0.5 1.6 1.0 1.3 – 1.9 1.3 –

Worker characteristic

Management, professional, and related .................. 0.8 2.7 – – – 3.0 – 1.5

Management, business, and financial ................. – 2.3 0.9 – – 2.4 – 2.2

Professional and related ...................................... – 3.9 – 2.7 – 4.6 – 1.9

Service ..................................................................... 0.2 3.8 – – – – – –

Protective service ................................................ – 9.5 – 6.4 – 14.0 – 8.9

Sales and office ....................................................... – – – – – 2.5 1.6 –

Sales and related ................................................. – 2.5 – 2.2 – 2.4 – 2.2

Natural resources, construction, and maintenance – 3.2 1.4 – – 3.6 1.6 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 5.6 – 3.3 – 6.6 – 3.9

Installation, maintenance, and repair ................... – 3.6 – 3.5 – 3.5 – 3.2

Production, transportation, and material moving ..... – 2.9 1.7 – – 3.4 2.0 –

Production ............................................................ – 3.2 – 3.4 – 3.9 – 3.8

Transportation and material moving .................... – 4.8 – 4.3 – 5.3 – 4.9

Full time ................................................................... 0.5 1.7 1.1 1.4 – 2.0 1.3 –

Part time .................................................................. – 4.1 – 1.9 – 4.8 – 1.5

Union ....................................................................... – 2.5 1.3 – 0.7 2.9 – –

Nonunion ................................................................. – 1.8 1.2 – – 2.1 1.4 –

Average wage within the following categories:2

Lowest 25 percent ............................................... – 3.9 – 3.6 – 4.5 – 4.1

Lowest 10 percent ........................................... – 7.1 – 6.4 – 8.3 – 7.1

Second 25 percent ............................................... – – – – – 5.0 – 2.2

Third 25 percent ................................................... – 2.0 1.1 – – 2.4 1.0 –

Highest 25 percent ............................................... 0.6 1.2 0.6 1.1 – 1.3 0.7 –

Highest 10 percent ........................................... 0.7 1.5 – – 0.4 1.5 – –

Establishment characteristic

Goods-producing industries ..................................... – 2.5 0.9 – – 3.0 1.1 –

Construction ......................................................... – 3.6 – 2.9 – 4.3 – 3.4

Manufacturing ...................................................... – – – – – 3.8 – 3.8

Service-providing industries ..................................... – 1.9 1.3 – – 2.2 1.6 –

Trade, transportation, and utilities ....................... – 2.5 1.0 – – 2.6 1.2 2.6

Wholesale trade ............................................... – – – – – 3.9 – 4.0

Retail trade ...................................................... – 2.2 – 1.9 – 2.1 – 1.8

Information ........................................................... – 3.6 – 3.5 – 2.2 – 2.2

Financial activities:

 Finance and insurance:

 Insurance carriers and related activities ........ – 4.0 – 4.0 – 4.5 – 4.5

Professional and business services ..................... – 3.9 – 2.4 – 4.4 – 2.3

See footnotes at end of table.
Table 35. Standard errors for outpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2011—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

Professional and technical services ................. – 4.7 – 1.8 – 5.7 – 1.5

Education and health services ............................. – – – – 0.9 7.4 – –

Educational services:

 Junior colleges, colleges, and universities ... – – – – – 5.2 – 4.7

Healthcare and social assistance .................... – 7.0 – 4.0 – 8.5 – 3.6

1 to 99 workers ........................................................ – 2.8 1.8 – – 3.4 – 2.1

50 to 99 workers .................................................. – 4.6 – 3.4 – 5.2 – 3.9

100 workers or more ................................................ 0.5 1.5 1.0 1.5 0.2 1.8 1.2 1.7

100 to 499 workers .............................................. – 2.5 – 2.2 – 2.6 – 2.4

500 workers or more ............................................ 0.7 1.9 1.6 1.9 0.6 2.4 – –

Geographic area

New England ........................................................... 0.8 4.0 – – – 4.0 – 3.4

Middle Atlantic ......................................................... – – – – – 4.0 – 2.8

East North Central ................................................... – 2.4 – 2.2 – 2.4 – 2.3

West North Central .................................................. – 6.3 – 5.9 – 6.8 – 6.2

South Atlantic ........................................................... – – – – – 6.4 – 2.9

East South Central ................................................... – 6.2 – 6.6 – 6.6 – 6.9

Pacific ...................................................................... – 3.4 1.1 – – 4.6 – 4.5

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 The categories are based on the average wage for each occupation surveyed, which

may include workers with earnings both above and below the threshold. The average wages

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

Earnings in the United States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 36. Mental healthcare and substance abuse treatment benefits: Coverage for selected

services, private industry workers, National Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

Inpatient

mental

healthcare

Outpatient

mental

healthcare

Inpatient

substance abuse

detoxification

Inpatient

substance abuse

rehabilitation

Outpatient

substance abuse

 rehabilitation

All workers ............................................................... 96 82 96 76 77

Worker characteristic

Management, professional, and related .................. 97 83 97 78 79

Management, business, and financial ................. 97 85 97 79 82

Professional and related ...................................... 97 82 98 76 78

Service ..................................................................... 96 82 98 76 78

Protective service ................................................ 94 85 94 83 83

Sales and office ....................................................... 96 79 96 – –

Sales and related ................................................. 98 86 98 83 84

Office and administrative support ........................ 95 – 95 – –

Natural resources, construction, and maintenance 95 84 93 80 79

Construction, extraction, farming, fishing, and

forestry ............................................................... 95 84 93 79 77

Installation, maintenance, and repair ................... 95 84 93 80 80

Production, transportation, and material moving ..... 94 83 95 76 75

Production ............................................................ 95 84 94 78 75

Transportation and material moving .................... 93 81 95 74 75

Full time ................................................................... 96 82 96 75 77

Part time .................................................................. 93 86 93 83 83

Union ....................................................................... 98 88 98 85 82

Nonunion ................................................................. 95 81 96 75 76

Average wage within the following categories:1

Lowest 25 percent ............................................... 93 78 94 73 75

Lowest 10 percent ........................................... 88 71 90 67 69

Second 25 percent ............................................... 95 77 96 – –

Third 25 percent ................................................... 95 82 95 76 76

Highest 25 percent ............................................... 98 87 98 81 82

Highest 10 percent ........................................... 98 89 98 84 86

Establishment characteristic

Goods-producing industries ..................................... 95 85 94 78 78

Construction ......................................................... 96 84 94 76 80

Manufacturing ...................................................... 95 85 94 78 –

Service-providing industries ..................................... 96 81 97 75 77

Trade, transportation, and utilities ....................... 95 83 96 78 78

Wholesale trade ............................................... 90 83 94 – –

Retail trade ...................................................... 97 88 98 84 85

Utilities ............................................................. 100 – 100 82 –

Information ........................................................... 99 92 95 88 91

Financial activities ................................................ 97 – 97 – –

Finance and insurance .................................... 99 – 98 – –

See footnotes at end of table.
Table 36. Mental healthcare and substance abuse treatment benefits: Coverage for selected

services, private industry workers, National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Inpatient

mental

healthcare

Outpatient

mental

healthcare

Inpatient

substance abuse

detoxification

Inpatient

substance abuse

rehabilitation

Outpatient

substance abuse

 rehabilitation

Credit intermediation and related activities .. 99 – 99 – –

Insurance carriers and related activities ...... 98 86 98 81 84

Professional and business services ..................... 95 88 95 83 84

Professional and technical services ................. 100 94 100 89 90

Education and health services ............................. 97 78 98 – –

Educational services ........................................ 97 – 96 – –

Junior colleges, colleges, and universities ... 98 85 98 78 –

Healthcare and social assistance .................... 97 80 98 71 73

Leisure and hospitality ......................................... 97 – 99 – –

1 to 99 workers ........................................................ 97 79 97 74 75

1 to 49 workers .................................................... 97 77 97 – –

50 to 99 workers .................................................. 95 85 96 79 81

100 workers or more ................................................ 95 84 95 78 79

100 to 499 workers .............................................. 95 83 95 76 78

500 workers or more ............................................ 96 86 96 79 80

Geographic area

New England ........................................................... 97 90 97 84 86

Middle Atlantic ......................................................... 96 82 96 73 –

East North Central ................................................... 96 89 97 88 87

West North Central .................................................. 93 86 92 81 79

South Atlantic ........................................................... 96 75 96 – –

East South Central ................................................... 97 83 98 77 78

West South Central .................................................. 95 79 95 – –

Mountain .................................................................. 93 – 92 – –

Pacific ...................................................................... 98 86 99 73 82

1 The categories are based on the average wage for each occupation

surveyed, which may include workers with earnings both above and below

the threshold. The average wages are based on the estimates published in

the "National Compensation Survey: Occupational Earnings in the United

States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 36. Standard errors for mental healthcare and substance abuse treatment benefits: Coverage

for selected services, private industry workers, National Compensation Survey, 2011

Characteristics

Inpatient

mental

healthcare

Outpatient

mental

healthcare

Inpatient

substance abuse

detoxification

Inpatient

substance abuse

rehabilitation

Outpatient

substance abuse

 rehabilitation

All workers ............................................................... 0.7 1.5 0.6 1.7 1.6

Worker characteristic

Management, professional, and related .................. 0.7 2.6 0.7 2.6 2.6

Management, business, and financial ................. 1.0 2.0 1.0 2.3 2.2

Professional and related ...................................... 0.7 3.9 0.7 3.9 3.9

Service ..................................................................... 1.1 3.7 0.7 4.8 3.7

Protective service ................................................ 3.5 6.3 3.1 6.6 6.6

Sales and office ....................................................... 1.5 2.2 1.5 – –

Sales and related ................................................. 1.1 2.4 1.1 2.6 2.3

Office and administrative support ........................ 2.0 – 2.0 – –

Natural resources, construction, and maintenance 1.4 2.8 1.7 2.9 3.1

Construction, extraction, farming, fishing, and

forestry ............................................................... 2.3 4.2 2.8 3.8 4.8

Installation, maintenance, and repair ................... 1.7 3.3 2.1 3.7 3.7

Production, transportation, and material moving ..... 1.3 2.8 1.4 2.8 3.0

Production ............................................................ 1.6 2.6 1.7 3.2 3.5

Transportation and material moving .................... 2.5 4.8 2.3 4.5 4.6

Full time ................................................................... 0.6 1.7 0.6 1.7 1.7

Part time .................................................................. 4.0 3.9 4.0 4.1 4.0

Union ....................................................................... 0.5 2.2 0.6 2.3 2.4

Nonunion ................................................................. 0.8 1.7 0.7 1.8 1.8

Average wage within the following categories:1

Lowest 25 percent ............................................... 2.0 3.7 2.1 3.9 3.9

Lowest 10 percent ........................................... 4.9 7.2 5.1 7.4 7.1

Second 25 percent ............................................... 1.0 4.4 0.9 – –

Third 25 percent ................................................... 1.2 1.8 1.3 1.9 1.8

Highest 25 percent ............................................... 0.5 1.1 0.5 1.3 1.1

Highest 10 percent ........................................... 0.6 1.3 0.6 1.8 1.3

Establishment characteristic

Goods-producing industries ..................................... 1.1 2.3 1.3 2.4 2.8

Construction ......................................................... 1.9 3.3 2.2 4.1 3.6

Manufacturing ...................................................... 1.5 2.9 1.6 3.2 –

Service-providing industries ..................................... 0.8 1.9 0.8 1.9 1.9

Trade, transportation, and utilities ....................... 1.2 2.5 1.1 2.5 2.5

Wholesale trade ............................................... 3.6 4.2 3.0 – –

Retail trade ...................................................... 0.9 2.1 0.9 2.5 2.2

Utilities ............................................................. 0.2 – 0.2 5.2 –

Information ........................................................... 1.2 3.5 2.4 3.4 3.6

Financial activities ................................................ 1.6 – 1.6 – –

Finance and insurance .................................... 0.6 – 0.6 – –

See footnotes at end of table.
Table 36. Standard errors for mental healthcare and substance abuse treatment benefits: Coverage

for selected services, private industry workers, National Compensation Survey, 2011—Continued

Characteristics

Inpatient

mental

healthcare

Outpatient

mental

healthcare

Inpatient

substance abuse

detoxification

Inpatient

substance abuse

rehabilitation

Outpatient

substance abuse

 rehabilitation

Credit intermediation and related activities .. 0.4 – 0.4 – –

Insurance carriers and related activities ...... 1.1 4.0 1.4 4.8 4.0

Professional and business services ..................... 2.3 3.1 2.3 3.5 3.4

Professional and technical services ................. 2 ( ) 2.1 2 ( ) 2.8 2.7

Education and health services ............................. 0.9 5.7 0.7 – –

Educational services ........................................ 2.5 – 2.5 – –

Junior colleges, colleges, and universities ... 1.1 4.0 1.2 4.5 –

Healthcare and social assistance .................... 0.9 7.1 0.6 7.4 7.2

Leisure and hospitality ......................................... 1.3 – 0.8 – –

1 to 99 workers ........................................................ 0.8 2.8 0.8 2.9 2.8

1 to 49 workers .................................................... 0.7 3.6 0.7 – –

50 to 99 workers .................................................. 1.8 3.7 1.7 4.1 4.1

100 workers or more ................................................ 0.9 1.5 0.8 1.7 1.7

100 to 499 workers .............................................. 1.4 2.1 1.4 2.6 2.4

500 workers or more ............................................ 1.2 2.0 1.1 2.0 2.1

Geographic area

New England ........................................................... 1.8 3.3 1.8 5.2 4.3

Middle Atlantic ......................................................... 2.5 2.6 1.8 2.7 –

East North Central ................................................... 1.1 2.2 1.0 2.2 2.3

West North Central .................................................. 3.3 3.7 4.3 5.8 5.8

South Atlantic ........................................................... 1.0 5.4 1.0 – –

East South Central ................................................... 0.7 6.1 0.7 6.3 6.3

West South Central .................................................. 1.0 3.1 0.9 – –

Mountain .................................................................. 5.0 – 5.6 – –

Pacific ...................................................................... 1.1 3.6 0.5 4.5 3.4

1 The categories are based on the average wage for each occupation

surveyed, which may include workers with earnings both above and below

the threshold. The average wages are based on the estimates published in

the "National Compensation Survey: Occupational Earnings in the United

States, 2010." See Technical Note for more details. 2 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/glossary20112012.htm.
Table 37. Mental healthcare benefits: Median number of days or visits1

covered per year for

selected services by type of plan, private industry workers, National Compensation Survey,

2011

(Includes all workers participating in plans with specified day limits)

Characteristics

Inpatient care Outpatient care

All plans Fee-for-service

plans

Health

maintenance

organizations

All plans Fee-for-service

plans

All workers ............................................................... 30 30 30 30 30

Worker characteristic

Management, professional, and related .................. 30 30 30 30 30

Management, business, and financial ................. 30 30 30 30 30

Professional and related ...................................... 30 30 30 30 30

Service ..................................................................... 30 30 – 30 –

Protective service ................................................ 30 30 – – –

Sales and office ....................................................... 30 30 30 20 –

Sales and related ................................................. 30 30 30 20 20

Office and administrative support ........................ 30 30 30 – –

Natural resources, construction, and maintenance 30 30 30 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 30 30 – – –

Installation, maintenance, and repair ................... 30 30 30 – –

Production, transportation, and material moving ..... 30 30 30 30 30

Production ............................................................ 30 30 30 30 30

Transportation and material moving .................... 30 30 30 – 30

Full time ................................................................... 30 30 30 30 30

Part time .................................................................. 30 30 30 – –

Union ....................................................................... 30 30 25 30 30

Nonunion ................................................................. 30 30 30 26 30

Average wage within the following categories:2

Lowest 25 percent ............................................... 30 30 – 20 20

Lowest 10 percent ........................................... 30 30 30 – –

Second 25 percent ............................................... 30 30 30 20 30

Third 25 percent ................................................... 30 30 30 30 30

Highest 25 percent ............................................... 30 30 30 30 30

Highest 10 percent ........................................... 30 30 30 30 35

Establishment characteristic

Goods-producing industries ..................................... 30 30 30 30 30

Construction ......................................................... 30 30 30 – –

Manufacturing ...................................................... 30 30 30 30 35

Service-providing industries ..................................... 30 30 30 30 30

Trade, transportation, and utilities ....................... 30 30 30 20 20

Wholesale trade ............................................... 30 30 – 30 30

Retail trade ...................................................... 30 30 – 20 20

Utilities ............................................................. 30 30 – – –

Information ........................................................... – – 30 – 50

Financial activities ................................................ 30 30 30 – –

Finance and insurance .................................... 30 30 30 – –

See footnotes at end of table.
Table 37. Mental healthcare benefits: Median number of days or visits1

covered per year for

selected services by type of plan, private industry workers, National Compensation Survey,

2011—Continued

(Includes all workers participating in plans with specified day limits)

Characteristics

Inpatient care Outpatient care

All plans Fee-for-service

plans

Health

maintenance

organizations

All plans Fee-for-service

plans

Credit intermediation and related activities .. 30 30 30 – –

Insurance carriers and related activities ...... 30 30 – 30 30

Professional and business services ..................... 30 30 – – 30

Professional and technical services ................. – 30 – 20 –

Education and health services ............................. 30 30 30 25 30

Educational services ........................................ 30 30 30 – 30

Junior colleges, colleges, and universities ... 30 30 30 30 –

Healthcare and social assistance .................... 30 30 30 – 35

Leisure and hospitality ......................................... 30 30 45 – –

1 to 99 workers ........................................................ 30 30 30 – 30

1 to 49 workers .................................................... 30 30 30 20 30

50 to 99 workers .................................................. 30 30 30 30 30

100 workers or more ................................................ 30 30 30 30 30

100 to 499 workers .............................................. 30 30 30 30 30

500 workers or more ............................................ 30 30 30 35 40

Geographic area

New England ........................................................... – – – 25 –

Middle Atlantic ......................................................... 30 30 30 30 30

East North Central ................................................... 30 30 30 30 30

West North Central .................................................. 30 30 – 45 45

South Atlantic ........................................................... 30 30 30 30 30

East South Central ................................................... 30 30 – – 30

West South Central .................................................. 30 30 – 20 –

Mountain .................................................................. 30 30 40 – –

Pacific ...................................................................... 30 30 30 20 –

1 This table includes data from some plans that were obtained

from employers prior to the effective date of the Mental Health Parity

and Addiction Equity Act of 2008. 2 The categories are based on the average wage for each

occupation surveyed, which may include workers with earnings both

above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2010." See Technical

Note for more details.

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/glossary20112012.htm.
Table 37. Standard errors for mental healthcare benefits: Median number of days or

visits1covered per year for selected services by type of plan, private industry workers,

National Compensation Survey, 2011

Characteristics

Inpatient care Outpatient care

All plans Fee-for-service

plans

Health

maintenance

organizations

All plans Fee-for-service

plans

All workers ............................................................... 0.0 0.0 0.0 0.8 0.0

Worker characteristic

Management, professional, and related .................. 0.0 0.0 0.0 3.6 1.0

Management, business, and financial ................. 0.0 0.0 0.8 3.6 0.0

Professional and related ...................................... 0.0 0.0 0.0 6.6 4.8

Service ..................................................................... 0.0 0.0 – 7.2 –

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

Sales and office ....................................................... 0.0 0.0 0.0 0.0 –

Sales and related ................................................. 0.0 0.0 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 – – –

Installation, maintenance, and repair ................... 0.0 0.0 0.0 – –

Production, transportation, and material moving ..... 0.0 0.0 0.0 1.6 0.0

Production ............................................................ 0.0 6.7 0.0 2.8 5.3

Transportation and material moving .................... 0.0 0.0 4.0 – 8.8

Full time ................................................................... 0.0 0.0 0.0 0.0 0.0

Part time .................................................................. 0.0 0.0 9.0 – –

Union ....................................................................... 0.0 0.0 6.7 1.0 5.6

Nonunion ................................................................. 0.0 0.0 0.0 6.2 0.0

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.0 0.0 – 0.0 1.0

Lowest 10 percent ........................................... 0.0 1.0 0.0 – –

Second 25 percent ............................................... 0.0 0.0 0.0 4.3 3.7

Third 25 percent ................................................... 0.0 0.0 0.0 1.8 0.0

Highest 25 percent ............................................... 0.0 0.0 0.0 0.0 1.0

Highest 10 percent ........................................... 0.0 0.0 0.0 5.8 8.2

Establishment characteristic

Goods-producing industries ..................................... 0.0 0.0 0.0 3.4 8.4

Construction ......................................................... 0.0 0.0 3.4 – –

Manufacturing ...................................................... 0.0 0.0 0.0 5.2 7.9

Service-providing industries ..................................... 0.0 0.0 0.0 7.3 0.0

Trade, transportation, and utilities ....................... 0.0 0.0 0.0 3.4 5.1

Wholesale trade ............................................... 0.0 0.0 – 4.8 2.5

Retail trade ...................................................... 0.0 0.0 – 0.0 0.0

Utilities ............................................................. 0.0 0.0 – – –

Information ........................................................... – – 0.0 – 11.9

Financial activities ................................................ 0.0 0.0 0.0 – –

Finance and insurance .................................... 0.0 0.0 0.0 – –

See footnotes at end of table.
Table 37. Standard errors for mental healthcare benefits: Median number of days or

visits1covered per year for selected services by type of plan, private industry workers,

National Compensation Survey, 2011—Continued

Characteristics

Inpatient care Outpatient care

All plans Fee-for-service

plans

Health

maintenance

organizations

All plans Fee-for-service

plans

Credit intermediation and related activities .. 0.0 0.0 1.0 – –

Insurance carriers and related activities ...... 0.0 0.0 – 5.9 0.0

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

Professional and technical services ................. – 5.5 – 0.0 –

Education and health services ............................. 0.0 0.0 0.0 6.9 6.6

Educational services ........................................ 0.0 0.0 0.0 – 1.7

Junior colleges, colleges, and universities ... 0.0 0.0 0.0 1.4 –

Healthcare and social assistance .................... 0.0 0.0 7.2 – 6.2

Leisure and hospitality ......................................... 0.0 3.9 12.8 – –

1 to 99 workers ........................................................ 0.0 0.0 0.0 – 0.8

1 to 49 workers .................................................... 0.0 0.0 0.0 0.0 3.2

50 to 99 workers .................................................. 0.0 0.0 0.0 2.4 1.0

100 workers or more ................................................ 0.0 0.0 0.0 0.0 0.0

100 to 499 workers .............................................. 0.0 0.0 0.0 7.8 6.3

500 workers or more ............................................ 0.0 0.0 0.0 6.7 5.3

Geographic area

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

Middle Atlantic ......................................................... 0.0 0.0 0.0 0.0 0.0

East North Central ................................................... 0.0 0.0 4.4 0.0 5.0

West North Central .................................................. 0.0 0.0 – 10.1 5.4

South Atlantic ........................................................... 0.0 0.0 1.3 3.1 0.0

East South Central ................................................... 0.0 0.0 – – 5.2

West South Central .................................................. 0.0 0.0 – 2.0 –

Mountain .................................................................. 0.0 0.0 9.5 – –

Pacific ...................................................................... 0.0 0.0 0.0 0.0 –

1 This table includes data from some plans that were obtained

from employers prior to the effective date of the Mental Health Parity

and Addiction Equity Act of 2008. 2 The categories are based on the average wage for each

occupation surveyed, which may include workers with earnings both

above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2010." See Technical

Note for more details.

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/glossary20112012.htm.
Table 38. Substance abuse treatment benefits: Median number of days1

 covered per year for selected

services by type of plan, private industry workers, National Compensation Survey, 2011

(Includes all workers participating in plans with specified day limits)

Characteristics

Inpatient detoxification Inpatient

rehabilitation

Outpatient

rehabilitation

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

All plans

Fee-forservice

plans

All workers ............................................................... 30 30 30 30 30 30 30

Worker characteristic

Management, professional, and related .................. 30 30 30 30 30 30 35

Management, business, and financial ................. 30 30 – 30 30 35 35

Professional and related ...................................... 30 30 30 30 30 30 35

Service ..................................................................... 30 30 – 30 – – –

Protective service ................................................ 30 30 – 30 30 – –

Sales and office ....................................................... 30 30 30 – 30 – 30

Sales and related ................................................. 30 30 30 30 30 – –

Office and administrative support ........................ 30 30 30 – – – –

Natural resources, construction, and maintenance 30 30 – 30 30 – 50

Construction, extraction, farming, fishing, and

forestry ............................................................... 30 30 – 30 30 52 52

Installation, maintenance, and repair ................... 30 30 30 30 30 30 30

Production, transportation, and material moving ..... 30 30 25 30 30 30 30

Production ............................................................ 30 30 – 30 30 35 35

Transportation and material moving .................... – – 25 30 30 30 30

Full time ................................................................... 30 30 30 30 30 30 30

Part time .................................................................. – – – 30 30 30 30

Union ....................................................................... 30 30 25 30 30 45 45

Nonunion ................................................................. 30 30 30 30 30 30 30

Average wage within the following categories:2

Lowest 25 percent ............................................... 30 30 – 30 30 – 30

Lowest 10 percent ........................................... 25 25 – 30 30 45 45

Second 25 percent ............................................... 30 30 30 – 30 – 30

Third 25 percent ................................................... 30 30 30 30 30 30 30

Highest 25 percent ............................................... 30 30 30 30 30 35 35

Highest 10 percent ........................................... 30 30 – 30 30 35 35

Establishment characteristic

Goods-producing industries ..................................... 30 30 45 30 30 35 40

Construction ......................................................... 30 30 – 30 30 52 52

Manufacturing ...................................................... 30 30 – 30 30 – 35

Service-providing industries ..................................... 30 30 30 30 30 30 30

Trade, transportation, and utilities ....................... 30 30 30 30 30 30 30

Wholesale trade ............................................... 30 30 – – 30 – 30

Retail trade ...................................................... 25 – 30 30 30 30 –

Utilities ............................................................. 30 30 – 30 – – –

Information ........................................................... – – 7 – 30 50 50

Financial activities ................................................ 30 30 7 – – – –

Finance and insurance .................................... 30 30 7 – – – –

See footnotes at end of table.
Table 38. Substance abuse treatment benefits: Median number of days1

 covered per year for selected

services by type of plan, private industry workers, National Compensation Survey, 2011—Continued

(Includes all workers participating in plans with specified day limits)

Characteristics

Inpatient detoxification Inpatient

rehabilitation

Outpatient

rehabilitation

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

All plans

Fee-forservice

plans

Credit intermediation and related activities .. 30 30 – – – – –

Insurance carriers and related activities ...... 30 30 – 30 30 – –

Professional and business services ..................... – – – 30 30 – 30

Professional and technical services ................. – – – – 30 20 –

Education and health services ............................. 30 30 20 – 30 – 35

Educational services ........................................ 30 30 – – – – –

Junior colleges, colleges, and universities ... 30 30 – 30 30 – –

Healthcare and social assistance .................... 30 30 – 30 30 35 35

Leisure and hospitality ......................................... 30 30 – – – – –

1 to 99 workers ........................................................ 30 30 30 30 30 30 30

1 to 49 workers .................................................... 30 30 30 – 30 – –

50 to 99 workers .................................................. 30 30 – 30 30 30 30

100 workers or more ................................................ 30 30 25 30 30 30 35

100 to 499 workers .............................................. 30 30 – 30 30 30 30

500 workers or more ............................................ 30 30 25 30 30 40 45

Geographic area

New England ........................................................... 30 30 60 – – 24 40

Middle Atlantic ......................................................... 30 30 7 30 30 – 50

East North Central ................................................... 30 30 – 30 30 30 30

West North Central .................................................. 30 30 – 30 30 35 –

South Atlantic ........................................................... 30 30 – – 30 – –

East South Central ................................................... 30 30 25 30 30 20 20

West South Central .................................................. 30 30 30 – – – –

Pacific ...................................................................... 30 30 30 30 30 30 30

1 This table includes data from some plans that were obtained from

employers prior to the effective date of the Mental Health Parity and Addiction

Equity Act of 2008. 2 The categories are based on the average wage for each occupation

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

threshold. The average wages are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 38. Standard errors for substance abuse treatment benefits: Median number of days1

 covered

per year for selected services by type of plan, private industry workers, National Compensation

Survey, 2011

Characteristics

Inpatient detoxification Inpatient

rehabilitation

Outpatient

rehabilitation

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

All plans

Fee-forservice

plans

All workers ............................................................... 0.0 0.0 0.6 0.0 0.0 0.0 0.0

Worker characteristic

Management, professional, and related .................. 0.0 0.0 0.0 0.0 0.0 6.9 4.2

Management, business, and financial ................. 0.0 0.0 – 0.0 0.0 9.6 8.8

Professional and related ...................................... 0.0 0.0 6.5 0.0 0.0 6.7 4.2

Service ..................................................................... 0.0 0.0 – 0.0 – – –

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

Sales and office ....................................................... 0.0 0.0 0.0 – 0.0 – 0.0

Sales and related ................................................. 0.0 0.0 0.0 0.0 0.0 – –

Office and administrative support ........................ 0.0 0.0 0.6 – – – –

Natural resources, construction, and maintenance 0.0 0.0 – 0.0 0.0 – 13.4

Construction, extraction, farming, fishing, and

forestry ............................................................... 0.0 0.0 – 0.0 0.0 1.6 6.8

Installation, maintenance, and repair ................... 0.0 0.0 7.6 0.0 0.0 7.1 6.9

Production, transportation, and material moving ..... 0.0 0.0 3.4 0.0 0.0 0.0 0.0

Production ............................................................ 0.0 0.0 – 0.0 0.0 6.2 6.0

Transportation and material moving .................... – – 0.0 0.0 0.0 0.0 0.0

Full time ................................................................... 0.0 0.0 0.4 0.0 0.0 0.0 1.4

Part time .................................................................. – – – 0.0 0.0 0.0 0.0

Union ....................................................................... 0.0 0.0 6.2 0.0 0.0 11.7 3.1

Nonunion ................................................................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Average wage within the following categories:2

Lowest 25 percent ............................................... 2.9 2.9 – 0.0 0.0 – 4.3

Lowest 10 percent ........................................... 5.3 5.0 – 1.4 2.0 10.8 8.8

Second 25 percent ............................................... 0.0 0.0 2.8 – 0.0 – 0.0

Third 25 percent ................................................... 0.0 0.0 4.8 0.0 0.0 5.0 5.5

Highest 25 percent ............................................... 0.0 0.0 6.1 0.0 0.0 3.1 1.0

Highest 10 percent ........................................... 0.0 0.0 – 0.0 0.0 6.7 7.0

Establishment characteristic

Goods-producing industries ..................................... 0.0 0.0 11.9 0.0 0.0 6.3 11.4

Construction ......................................................... 0.0 0.0 – 0.0 0.0 1.5 0.6

Manufacturing ...................................................... 0.0 0.0 – 0.0 0.0 – 4.4

Service-providing industries ..................................... 0.0 0.0 1.8 0.0 0.0 0.0 0.0

Trade, transportation, and utilities ....................... 1.1 1.0 6.0 0.0 0.0 0.0 0.8

Wholesale trade ............................................... 0.0 0.0 – – 0.0 – 0.0

Retail trade ...................................................... 6.7 – 0.0 0.0 0.0 5.6 –

Utilities ............................................................. 0.0 0.0 – 0.0 – – –

Information ........................................................... – – 0.0 – 8.2 0.4 5.9

Financial activities ................................................ 0.0 0.0 0.0 – – – –

Finance and insurance .................................... 0.0 0.0 0.0 – – – –

See footnotes at end of table.
Table 38. Standard errors for substance abuse treatment benefits: Median number of days1

 covered

per year for selected services by type of plan, private industry workers, National Compensation

Survey, 2011—Continued

Characteristics

Inpatient detoxification Inpatient

rehabilitation

Outpatient

rehabilitation

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

All plans

Fee-forservice

plans

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

Insurance carriers and related activities ...... 0.0 0.0 – 0.0 0.0 – –

Professional and business services ..................... – – – 4.7 0.0 – 0.0

Professional and technical services ................. – – – – 8.5 0.0 –

Education and health services ............................. 0.0 0.0 2.8 – 0.0 – 4.5

Educational services ........................................ 0.0 0.0 – – – – –

Junior colleges, colleges, and universities ... 0.0 2.8 – 0.0 0.0 – –

Healthcare and social assistance .................... 0.0 0.0 – 0.0 0.0 4.3 4.5

Leisure and hospitality ......................................... 0.0 0.0 – – – – –

1 to 99 workers ........................................................ 0.0 0.0 0.0 0.0 0.0 0.0 0.0

1 to 49 workers .................................................... 0.0 0.0 0.0 – 0.0 – –

50 to 99 workers .................................................. 0.0 0.0 – 0.0 0.0 3.9 5.7

100 workers or more ................................................ 0.0 0.0 3.7 0.0 0.0 4.5 6.8

100 to 499 workers .............................................. 0.0 0.0 – 0.0 0.0 3.5 2.5

500 workers or more ............................................ 0.0 0.0 6.1 0.0 0.0 7.4 6.4

Geographic area

New England ........................................................... 0.0 0.0 0.0 – – 1.7 11.1

Middle Atlantic ......................................................... 0.0 0.0 0.0 0.0 0.0 – 10.6

East North Central ................................................... 0.0 0.0 – 0.0 0.0 2.4 6.4

West North Central .................................................. 0.0 0.0 – 0.0 0.0 8.7 –

South Atlantic ........................................................... 0.0 0.0 – – 0.0 – –

East South Central ................................................... 5.5 6.1 5.0 0.0 0.0 0.0 0.0

West South Central .................................................. 7.4 7.8 0.0 – – – –

Pacific ...................................................................... 0.0 0.0 0.0 0.0 0.0 0.0 2.1

1 This table includes data from some plans that were obtained from

employers prior to the effective date of the Mental Health Parity and Addiction

Equity Act of 2008. 2 The categories are based on the average wage for each occupation

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

threshold. The average wages are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 39. Dental care benefits: Coverage for selected services, private industry workers, National

Compensation Survey, 2011

(All workers participating in dental care plans = 100 percent)

Characteristics Preventive

services

Basic

services

Major

services

Orthodontia

Total

Employee

and

dependent

Dependent

only

All workers ............................................................... 100 100 97 78 46 33

Worker characteristic

Management, professional, and related .................. 100 100 97 77 48 29

Management, business, and financial ................. 100 100 98 74 43 31

Professional and related ...................................... 100 100 97 80 51 28

Service ..................................................................... 100 100 98 84 38 46

Protective service ................................................ 100 100 99 – – –

Sales and office ....................................................... 100 100 96 80 53 27

Sales and related ................................................. 100 100 96 79 61 18

Office and administrative support ........................ 100 100 96 81 49 32

Natural resources, construction, and maintenance 100 99 99 79 45 34

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 97 97 76 49 27

Installation, maintenance, and repair ................... 100 100 100 81 42 39

Production, transportation, and material moving ..... 100 99 97 74 32 42

Production ............................................................ 100 99 97 72 34 38

Transportation and material moving .................... 100 100 96 76 30 47

Full time ................................................................... 100 100 97 78 45 33

Part time .................................................................. 100 100 98 85 53 32

Union ....................................................................... 100 99 99 87 44 43

Nonunion ................................................................. 100 100 97 77 46 31

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 100 97 73 40 33

Lowest 10 percent ........................................... 100 100 96 73 42 31

Second 25 percent ............................................... 100 99 97 77 46 31

Third 25 percent ................................................... 100 100 96 77 42 35

Highest 25 percent ............................................... 100 100 98 81 49 32

Highest 10 percent ........................................... 100 100 97 81 51 30

Establishment characteristic

Goods-producing industries ..................................... 100 99 98 75 39 36

Construction ......................................................... 100 98 98 74 39 34

Manufacturing ...................................................... 100 99 97 75 37 38

Service-providing industries ..................................... 100 100 97 79 47 32

Trade, transportation, and utilities ....................... 100 100 97 78 44 34

Wholesale trade ............................................... 100 100 95 82 32 50

Retail trade ...................................................... 100 100 96 73 59 13

Transportation and warehousing ..................... 100 100 100 83 – –

Utilities ............................................................. 100 100 94 84 43 41

Information ........................................................... 100 100 92 85 – –

Financial activities ................................................ 100 100 97 86 45 41

Finance and insurance .................................... 100 100 96 85 43 42

See footnotes at end of table.
Table 39. Dental care benefits: Coverage for selected services, private industry workers, National

Compensation Survey, 2011—Continued

(All workers participating in dental care plans = 100 percent)

Characteristics Preventive

services

Basic

services

Major

services

Orthodontia

Total

Employee

and

dependent

Dependent

only

Credit intermediation and related activities .. 100 100 97 87 46 41

Insurance carriers and related activities ...... 100 100 94 76 32 44

Professional and business services ..................... 100 100 97 75 55 21

Professional and technical services ................. 100 100 99 73 52 20

Administrative and waste services ................... 100 100 99 90 – –

Education and health services ............................. 100 100 98 80 40 41

Educational services ........................................ 100 100 97 73 34 39

Junior colleges, colleges, and universities ... 100 100 98 84 45 40

Healthcare and social assistance .................... 100 100 98 82 41 41

Leisure and hospitality ......................................... 100 100 100 79 – –

Accommodation and food services .................. 100 100 100 77 – –

1 to 99 workers ........................................................ 100 100 98 70 42 28

1 to 49 workers .................................................... 100 100 97 67 35 32

50 to 99 workers .................................................. 100 100 98 75 52 22

100 workers or more ................................................ 100 100 97 83 48 35

100 to 499 workers .............................................. 100 100 97 81 48 32

500 workers or more ............................................ 100 100 97 85 47 38

Geographic area

New England ........................................................... 100 100 92 67 34 34

Middle Atlantic ......................................................... 100 100 97 80 38 41

East North Central ................................................... 100 100 99 82 30 51

West North Central .................................................. 100 100 97 68 43 26

South Atlantic ........................................................... 100 99 96 76 58 19

East South Central ................................................... 100 100 98 80 47 32

West South Central .................................................. 100 100 98 88 54 34

Mountain .................................................................. 100 100 96 79 44 34

Pacific ...................................................................... 100 100 98 79 57 22

1 The categories are based on the average wage for each occupation

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

threshold. The average wages are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 39. Standard errors for dental care benefits: Coverage for selected services, private industry

workers, National Compensation Survey, 2011

Characteristics Preventive

services

Basic

services

Major

services

Orthodontia

Total

Employee

and

dependent

Dependent

only

All workers ............................................................... 1 ( ) 0.1 0.4 1.7 2.0 1.7

Worker characteristic

Management, professional, and related .................. 1 ( ) 1 ( ) 0.5 2.6 3.0 2.2

Management, business, and financial ................. 1 ( ) 1 ( ) 0.7 5.0 4.7 2.9

Professional and related ...................................... 1 ( ) 0.1 0.6 2.7 4.1 3.4

Service ..................................................................... 1 ( ) 1 ( ) 0.7 3.7 6.6 8.3

Protective service ................................................ 1 ( ) 1 ( ) 0.7 – – –

Sales and office ....................................................... 1 ( ) 1 ( ) 0.8 2.1 3.2 2.8

Sales and related ................................................. 1 ( ) 1 ( ) 1.5 3.8 4.6 3.6

Office and administrative support ........................ 1 ( ) 1 ( ) 1.0 2.3 3.7 3.5

Natural resources, construction, and maintenance 1 ( ) 0.5 0.6 6.4 6.2 6.3

Construction, extraction, farming, fishing, and

forestry ............................................................... 1 ( ) 1.4 1.5 13.2 10.5 7.5

Installation, maintenance, and repair ................... 1 ( ) 1 ( ) 0.1 4.9 7.1 8.1

Production, transportation, and material moving ..... 1 ( ) 0.7 1.1 3.5 3.3 3.9

Production ............................................................ 1 ( ) 1.2 1.3 4.4 4.2 4.7

Transportation and material moving .................... 1 ( ) 1 ( ) 1.9 5.7 5.3 7.1

Full time ................................................................... 1 ( ) 0.1 0.4 1.7 2.1 1.7

Part time .................................................................. 1 ( ) 1 ( ) 1.1 3.0 5.8 6.7

Union ....................................................................... 1 ( ) 0.3 0.4 3.4 3.6 5.0

Nonunion ................................................................. 1 ( ) 0.1 0.5 1.9 2.3 1.9

Average wage within the following categories:2

Lowest 25 percent ............................................... 1 ( ) 1 ( ) 1.2 5.4 7.3 8.8

Lowest 10 percent ........................................... 1 ( ) 1 ( ) 2.7 9.4 9.4 9.0

Second 25 percent ............................................... 1 ( ) 0.4 0.6 2.6 3.4 2.9

Third 25 percent ................................................... 1 ( ) 0.1 0.7 2.5 3.3 2.6

Highest 25 percent ............................................... 1 ( ) 0.1 0.5 1.9 2.1 1.9

Highest 10 percent ........................................... 1 ( ) 0.1 0.7 2.9 2.8 2.6

Establishment characteristic

Goods-producing industries ..................................... 1 ( ) 0.7 0.8 3.7 3.7 3.7

Construction ......................................................... 1 ( ) 1.1 1.1 11.7 8.2 6.9

Manufacturing ...................................................... 1 ( ) 0.8 1.0 3.9 3.8 4.4

Service-providing industries ..................................... 1 ( ) 1 ( ) 0.4 2.0 2.5 2.1

Trade, transportation, and utilities ....................... 1 ( ) 1 ( ) 1.2 3.1 3.3 3.7

Wholesale trade ............................................... 1 ( ) 1 ( ) 3.1 6.4 6.1 7.5

Retail trade ...................................................... 1 ( ) 1 ( ) 1.8 3.5 4.3 3.1

Transportation and warehousing ..................... 1 ( ) 1 ( ) 0.4 8.1 – –

Utilities ............................................................. 1 ( ) 1 ( ) 4.7 6.2 11.9 11.1

Information ........................................................... 1 ( ) 1 ( ) 3.7 6.2 – –

Financial activities ................................................ 1 ( ) 1 ( ) 0.8 2.3 3.7 3.3

Finance and insurance .................................... 1 ( ) 1 ( ) 1.0 2.4 3.7 2.8

See footnotes at end of table.
Table 39. Standard errors for dental care benefits: Coverage for selected services, private industry

workers, National Compensation Survey, 2011—Continued

Characteristics Preventive

services

Basic

services

Major

services

Orthodontia

Total

Employee

and

dependent

Dependent

only

Credit intermediation and related activities .. 1 ( ) 1 ( ) 1.2 3.3 5.3 4.4

Insurance carriers and related activities ...... 1 ( ) 1 ( ) 2.1 5.1 5.5 5.0

Professional and business services ..................... 1 ( ) 1 ( ) 1.1 4.2 5.1 4.2

Professional and technical services ................. 1 ( ) 1 ( ) 0.4 7.2 7.4 5.9

Administrative and waste services ................... 1 ( ) 1 ( ) 1.3 4.5 – –

Education and health services ............................. 1 ( ) 1 ( ) 0.9 3.7 5.5 6.0

Educational services ........................................ 1 ( ) 1 ( ) 1.6 5.9 4.9 7.4

Junior colleges, colleges, and universities ... 1 ( ) 1 ( ) 0.9 2.1 4.2 4.5

Healthcare and social assistance .................... 1 ( ) 1 ( ) 1.0 4.1 6.4 6.8

Leisure and hospitality ......................................... 1 ( ) 1 ( ) 1 ( ) 8.9 – –

Accommodation and food services .................. 1 ( ) 1 ( ) 1 ( ) 10.2 – –

1 to 99 workers ........................................................ 1 ( ) 1 ( ) 0.7 3.3 3.9 2.8

1 to 49 workers .................................................... 1 ( ) 1 ( ) 0.7 3.8 4.7 3.8

50 to 99 workers .................................................. 1 ( ) 1 ( ) 1.2 5.3 5.9 4.5

100 workers or more ................................................ 1 ( ) 0.2 0.5 1.6 2.3 2.2

100 to 499 workers .............................................. 1 ( ) 0.1 0.7 2.9 3.5 4.4

500 workers or more ............................................ 1 ( ) 0.4 0.7 1.7 3.1 3.3

Geographic area

New England ........................................................... 1 ( ) 1 ( ) 2.5 6.0 2.7 5.7

Middle Atlantic ......................................................... 1 ( ) 0.1 1.3 3.7 7.5 5.8

East North Central ................................................... 1 ( ) 1 ( ) 0.3 4.2 3.0 4.9

West North Central .................................................. 1 ( ) 1 ( ) 1.0 4.4 4.0 3.6

South Atlantic ........................................................... 1 ( ) 0.7 1.4 3.2 3.0 2.9

East South Central ................................................... 1 ( ) 1 ( ) 1.3 5.0 7.7 8.8

West South Central .................................................. 1 ( ) 1 ( ) 0.9 4.1 6.2 5.4

Mountain .................................................................. 1 ( ) 0.1 1.6 7.0 8.9 4.6

Pacific ...................................................................... 1 ( ) 0.2 1.1 5.7 5.1 2.5

1 Less than 0.05. 2 The categories are based on the average wage for each occupation

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

threshold. The average wages are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 40. Dental care benefits: Extent of coverage for selected services, private industry workers, National

Compensation Survey, 2011

(All workers participating in dental care plans = 100 percent)

Characteristics

Preventive services Basic services

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 7 93 – – 1 99 – 2 ( )

Worker characteristic

Management, professional, and related .................. 7 93 – – – 99 – 2 ( )

Management, business, and financial ................. 6 94 – – – 99 – –

Professional and related ...................................... – 92 – – – 99 – 2 ( )

Service ..................................................................... – 97 – – – 100 – –

Protective service ................................................ – 99 – – – 100 – –

Sales and office ....................................................... 8 92 – – – 99 – –

Sales and related ................................................. 8 92 – – – 100 – –

Office and administrative support ........................ 7 93 – – – 99 – –

Natural resources, construction, and maintenance 4 96 – – – 98 – 1

Construction, extraction, farming, fishing, and

forestry ............................................................... – 97 – – – 97 – 3

Installation, maintenance, and repair ................... – 96 – – – 99 – –

Production, transportation, and material moving ..... – 94 – – – 98 – 1

Production ............................................................ – 95 – – – 97 – 1

Transportation and material moving .................... – 91 – – – 99 – –

Full time ................................................................... 6 94 – – – 99 – 2 ( )

Part time .................................................................. – 88 – – – 100 – –

Union ....................................................................... 9 91 – – – 98 – 1

Nonunion ................................................................. 6 94 – – – 99 – 2 ( )

Average wage within the following categories:3

Lowest 25 percent ............................................... – 95 – – – 100 – –

Lowest 10 percent ........................................... – 90 – – – 100 – –

Second 25 percent ............................................... 10 90 – – – 99 – 1

Third 25 percent ................................................... 6 94 – – – 99 – 2 ( )

Highest 25 percent ............................................... 6 94 – – 1 99 – 2 ( )

Highest 10 percent ........................................... 5 95 – – – 98 – 2 ( )

Establishment characteristic

Goods-producing industries ..................................... 6 94 – – – 97 – 1

Construction ......................................................... – 93 – – – 96 – 2

Manufacturing ...................................................... – 96 – – – 98 – 1

Service-providing industries ..................................... 7 93 – – – 99 – –

Trade, transportation, and utilities ....................... 10 90 – – – 99 – –

Wholesale trade ............................................... – 84 – – – 95 – –

Retail trade ...................................................... – 89 – – – 100 – –

Transportation and warehousing ..................... – 97 – – – 99 – –

Utilities ............................................................. – 97 – – – 100 – –

Information ........................................................... – 95 – – – 100 – –

Financial activities ................................................ 6 94 – – – 100 – –

Finance and insurance .................................... 7 93 – – – 99 – –

See footnotes at end of table.
Table 40. Dental care benefits: Extent of coverage for selected services,

private industry workers, National Compensation Survey, 2011—Continued

(All workers participating in dental care plans = 100 percent)

Characteristics

Major services

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... – 97 2 –

Worker characteristic

Management, professional, and related .................. – 97 2 –

Management, business, and financial ................. – 98 – 2 ( )

Professional and related ...................................... – 97 2 –

Service ..................................................................... – 98 – –

Protective service ................................................ – 99 – –

Sales and office ....................................................... – 96 4 –

Sales and related ................................................. – 96 – –

Office and administrative support ........................ – 96 3 –

Natural resources, construction, and maintenance – 99 – 1

Construction, extraction, farming, fishing, and

forestry ............................................................... – 97 – 3

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

Production, transportation, and material moving ..... – 97 – 1

Production ............................................................ – 97 – 1

Transportation and material moving .................... – 96 – –

Full time ................................................................... – 97 2 –

Part time .................................................................. – 98 – –

Union ....................................................................... – 99 – 1

Nonunion ................................................................. – 97 3 –

Average wage within the following categories:3

Lowest 25 percent ............................................... – 97 – –

Lowest 10 percent ........................................... – 96 – –

Second 25 percent ............................................... – 97 2 –

Third 25 percent ................................................... – 96 3 –

Highest 25 percent ............................................... – 98 2 –

Highest 10 percent ........................................... – 97 2 –

Establishment characteristic

Goods-producing industries ..................................... – 97 – 1

Construction ......................................................... – 98 – 2

Manufacturing ...................................................... – 97 – 1

Service-providing industries ..................................... – 97 3 –

Trade, transportation, and utilities ....................... – 97 – –

Wholesale trade ............................................... – 95 – –

Retail trade ...................................................... – 96 – –

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

Utilities ............................................................. – 94 – –

Information ........................................................... – 92 – 8

Financial activities ................................................ – 97 3 –

Finance and insurance .................................... – 96 4 –

See footnotes at end of table.
Table 40. Dental care benefits: Extent of coverage for selected services, private industry workers, National

Compensation Survey, 2011—Continued

(All workers participating in dental care plans = 100 percent)

Characteristics

Preventive services Basic services

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. 9 91 – – – 100 – –

Insurance carriers and related activities ...... – 97 – – – 99 – –

Professional and business services ..................... – 96 – – – 99 – –

Professional and technical services ................. – 98 – – – 99 – –

Administrative and waste services ................... – 99 – – – 100 – –

Education and health services ............................. – 92 – – 1 99 – –

Educational services ........................................ – 83 – – – 99 – –

Junior colleges, colleges, and universities ... – 91 – – – 99 – –

Healthcare and social assistance .................... – 94 – – 1 99 – –

Leisure and hospitality ......................................... – 99 – – – 100 – –

Accommodation and food services .................. – 99 – – – 100 – –

1 to 99 workers ........................................................ – 93 – – – 99 – –

1 to 49 workers .................................................... – 90 – – – 100 – –

50 to 99 workers .................................................. – 98 – – – 99 – –

100 workers or more ................................................ 6 94 – – – 99 – 2 ( )

100 to 499 workers .............................................. 7 93 – – – 99 – 2 ( )

500 workers or more ............................................ 6 94 – – – 98 – 2 ( )

Geographic area

New England ........................................................... – 89 – – – 100 – –

Middle Atlantic ......................................................... – 90 – – 1 99 – 2 ( )

East North Central ................................................... 4 96 – – – 100 – –

West North Central .................................................. – 99 – – – 100 – –

South Atlantic ........................................................... – 91 – – – 99 – 1

East South Central ................................................... – 94 – – – 97 – –

West South Central .................................................. – 97 – – – 100 – –

Mountain .................................................................. – 94 – – – 99 – 2 ( )

Pacific ...................................................................... 7 93 – – – 98 – 2 ( )

See footnotes at end of table.
Table 40. Dental care benefits: Extent of coverage for selected services,

private industry workers, National Compensation Survey, 2011—Continued

(All workers participating in dental care plans = 100 percent)

Characteristics

Major services

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 97 – –

Insurance carriers and related activities ...... – 94 – –

Professional and business services ..................... – 97 – –

Professional and technical services ................. – 99 – –

Administrative and waste services ................... – 99 – –

Education and health services ............................. – 98 – –

Educational services ........................................ – 97 – –

Junior colleges, colleges, and universities ... – 98 – –

Healthcare and social assistance .................... – 98 – –

Leisure and hospitality ......................................... – 100 – –

Accommodation and food services .................. – 100 – –

1 to 99 workers ........................................................ – 98 2 –

1 to 49 workers .................................................... – 97 3 –

50 to 99 workers .................................................. – 98 – –

100 workers or more ................................................ – 97 2 –

100 to 499 workers .............................................. – 97 2 1

500 workers or more ............................................ – 96 3 –

Geographic area

New England ........................................................... – 92 7 1

Middle Atlantic ......................................................... – 97 – 1

East North Central ................................................... – 99 – –

West North Central .................................................. – 97 – –

South Atlantic ........................................................... – 96 – 1

East South Central ................................................... – 98 – –

West South Central .................................................. – 98 – –

Mountain .................................................................. – 96 – 2 ( )

Pacific ...................................................................... – 98 – 2 ( )

1 Coverage for dental procedures may be subject to

scheduled allowance, deductible, or coinsurance

provisions, in addition to maximum dollar limitations. 2 Less than 0.5. 3 The categories are based on the average wage for

each occupation surveyed, which may include workers with

earnings both above and below the threshold. The average

wages are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in

the United States, 2010." See Technical Note for more

details.

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/glossary20112012.htm.
Table 40. Standard errors for dental care benefits: Extent of coverage for selected services, private industry workers,

National Compensation Survey, 2011

Characteristics

Preventive services Basic services

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 1.1 1.1 – – 0.3 0.3 – 0.1

Worker characteristic

Management, professional, and related .................. 2.1 2.1 – – – 0.3 – 2 ( )

Management, business, and financial ................. 1.4 1.4 – – – 0.7 – –

Professional and related ...................................... – 3.1 – – – 0.2 – 0.1

Service ..................................................................... – 1.2 – – – 0.1 – –

Protective service ................................................ – 0.9 – – – 0.3 – –

Sales and office ....................................................... 1.4 1.4 – – – 0.4 – –

Sales and related ................................................. 2.4 2.4 – – – 0.3 – –

Office and administrative support ........................ 1.4 1.4 – – – 0.5 – –

Natural resources, construction, and maintenance 1.1 1.1 – – – 1.0 – 0.5

Construction, extraction, farming, fishing, and

forestry ............................................................... – 1.4 – – – 1.4 – 1.4

Installation, maintenance, and repair ................... – 1.6 – – – 1.1 – –

Production, transportation, and material moving ..... – 2.0 – – – 0.9 – 0.7

Production ............................................................ – 1.8 – – – 1.5 – 1.2

Transportation and material moving .................... – 3.2 – – – 0.7 – –

Full time ................................................................... 1.1 1.1 – – – 0.3 – 0.1

Part time .................................................................. – 3.7 – – – 0.2 – –

Union ....................................................................... 2.2 2.2 – – – 0.7 – 0.3

Nonunion ................................................................. 1.2 1.2 – – – 0.3 – 0.1

Average wage within the following categories:3

Lowest 25 percent ............................................... – 2.1 – – – 2 () – –

Lowest 10 percent ........................................... – 5.5 – – – 2 () – –

Second 25 percent ............................................... 2.6 2.6 – – – 0.6 – 0.4

Third 25 percent ................................................... 1.2 1.2 – – – 0.4 – 0.1

Highest 25 percent ............................................... 1.1 1.1 – – 0.4 0.4 – 0.1

Highest 10 percent ........................................... 1.1 1.1 – – – 0.7 – 0.1

Establishment characteristic

Goods-producing industries ..................................... 1.5 1.5 – – – 1.0 – 0.7

Construction ......................................................... – 4.2 – – – 2.3 – 1.1

Manufacturing ...................................................... – 1.7 – – – 0.9 – 0.8

Service-providing industries ..................................... 1.3 1.3 – – – 0.2 – –

Trade, transportation, and utilities ....................... 2.2 2.2 – – – 0.7 – –

Wholesale trade ............................................... – 6.4 – – – 4.4 – –

Retail trade ...................................................... – 3.4 – – – 2 () – –

Transportation and warehousing ..................... – 2.2 – – – 0.6 – –

Utilities ............................................................. – 1.5 – – – 0.2 – –

Information ........................................................... – 1.5 – – – 2 () – –

Financial activities ................................................ 1.4 1.4 – – – 0.2 – –

Finance and insurance .................................... 1.6 1.6 – – – 0.2 – –

See footnotes at end of table.
Table 40. Standard errors for dental care benefits: Extent of coverage for

selected services, private industry workers, National Compensation Survey,

2011—Continued

Characteristics

Major services

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... – 0.4 0.3 –

Worker characteristic

Management, professional, and related .................. – 0.5 0.4 –

Management, business, and financial ................. – 0.7 – 0.2

Professional and related ...................................... – 0.6 0.5 –

Service ..................................................................... – 0.7 – –

Protective service ................................................ – 0.7 – –

Sales and office ....................................................... – 0.8 0.8 –

Sales and related ................................................. – 1.5 – –

Office and administrative support ........................ – 1.0 1.0 –

Natural resources, construction, and maintenance – 0.6 – 0.5

Construction, extraction, farming, fishing, and

forestry ............................................................... – 1.5 – 1.4

Installation, maintenance, and repair ................... – 0.1 – –

Production, transportation, and material moving ..... – 1.1 – 0.7

Production ............................................................ – 1.3 – 1.2

Transportation and material moving .................... – 1.9 – –

Full time ................................................................... – 0.4 0.3 –

Part time .................................................................. – 1.1 – –

Union ....................................................................... – 0.4 – 0.3

Nonunion ................................................................. – 0.5 0.4 –

Average wage within the following categories:3

Lowest 25 percent ............................................... – 1.2 – –

Lowest 10 percent ........................................... – 2.7 – –

Second 25 percent ............................................... – 0.6 0.4 –

Third 25 percent ................................................... – 0.7 0.7 –

Highest 25 percent ............................................... – 0.5 0.3 –

Highest 10 percent ........................................... – 0.8 0.6 –

Establishment characteristic

Goods-producing industries ..................................... – 0.8 – 0.7

Construction ......................................................... – 1.1 – 1.1

Manufacturing ...................................................... – 1.0 – 0.8

Service-providing industries ..................................... – 0.4 0.4 –

Trade, transportation, and utilities ....................... – 1.2 – –

Wholesale trade ............................................... – 3.1 – –

Retail trade ...................................................... – 1.8 – –

Transportation and warehousing ..................... – 0.4 – –

Utilities ............................................................. – 4.7 – –

Information ........................................................... – 3.7 – 3.7

Financial activities ................................................ – 0.8 0.8 –

Finance and insurance .................................... – 1.0 1.0 –

See footnotes at end of table.
Table 40. Standard errors for dental care benefits: Extent of coverage for selected services, private industry workers,

National Compensation Survey, 2011—Continued

Characteristics

Preventive services Basic services

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. 1.6 1.6 – – – 2 () – –

Insurance carriers and related activities ...... – 1.1 – – – 0.3 – –

Professional and business services ..................... – 1.8 – – – 0.5 – –

Professional and technical services ................. – 1.1 – – – 0.9 – –

Administrative and waste services ................... – 1.0 – – – 2 () – –

Education and health services ............................. – 3.6 – – 0.1 0.1 – –

Educational services ........................................ – 5.6 – – – 0.4 – –

Junior colleges, colleges, and universities ... – 3.8 – – – 0.7 – –

Healthcare and social assistance .................... – 4.0 – – 0.1 0.1 – –

Leisure and hospitality ......................................... – 0.7 – – – 2 () – –

Accommodation and food services .................. – 0.9 – – – 2 () – –

1 to 99 workers ........................................................ – 2.1 – – – 0.4 – –

1 to 49 workers .................................................... – 3.4 – – – 0.2 – –

50 to 99 workers .................................................. – 1.1 – – – 0.9 – –

100 workers or more ................................................ 1.1 1.1 – – – 0.4 – 0.2

100 to 499 workers .............................................. 1.7 1.7 – – – 0.2 – 0.1

500 workers or more ............................................ 1.2 1.2 – – – 0.7 – 0.4

Geographic area

New England ........................................................... – 6.4 – – – 2 () – –

Middle Atlantic ......................................................... – 3.8 – – 0.2 0.1 – 0.1

East North Central ................................................... 1.1 1.1 – – – 0.3 – –

West North Central .................................................. – 0.5 – – – 0.3 – –

South Atlantic ........................................................... – 3.8 – – – 0.8 – 0.7

East South Central ................................................... – 3.3 – – – 2.9 – –

West South Central .................................................. – 1.3 – – – 0.3 – –

Mountain .................................................................. – 3.1 – – – 0.8 – 0.1

Pacific ...................................................................... 2.0 2.0 – – – 1.5 – 0.2

See footnotes at end of table.
Table 40. Standard errors for dental care benefits: Extent of coverage for

selected services, private industry workers, National Compensation Survey,

2011—Continued

Characteristics

Major services

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 1.2 – –

Insurance carriers and related activities ...... – 2.1 – –

Professional and business services ..................... – 1.1 – –

Professional and technical services ................. – 0.6 – –

Administrative and waste services ................... – 1.3 – –

Education and health services ............................. – 0.9 – –

Educational services ........................................ – 1.6 – –

Junior colleges, colleges, and universities ... – 0.9 – –

Healthcare and social assistance .................... – 1.0 – –

Leisure and hospitality ......................................... – 2 () – –

Accommodation and food services .................. – 2 () – –

1 to 99 workers ........................................................ – 0.7 0.7 –

1 to 49 workers .................................................... – 0.7 0.7 –

50 to 99 workers .................................................. – 1.2 – –

100 workers or more ................................................ – 0.5 0.4 –

100 to 499 workers .............................................. – 0.7 0.4 0.5

500 workers or more ............................................ – 0.7 0.6 –

Geographic area

New England ........................................................... – 2.5 1.8 0.9

Middle Atlantic ......................................................... – 1.3 – 0.7

East North Central ................................................... – 0.4 – –

West North Central .................................................. – 1.0 – –

South Atlantic ........................................................... – 1.4 – 1.1

East South Central ................................................... – 1.3 – –

West South Central .................................................. – 0.9 – –

Mountain .................................................................. – 1.6 – 0.1

Pacific ...................................................................... – 1.1 – 0.2

1 Coverage for dental procedures may be subject to

scheduled allowance, deductible, or coinsurance

provisions, in addition to maximum dollar limitations. 2 Less than 0.05. 3 The categories are based on the average wage for

each occupation surveyed, which may include workers with

earnings both above and below the threshold. The average

wages are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in

the United States, 2010." See Technical Note for more

details.

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/glossary20112012.htm.
Table 41. Dental care benefits: Coverage for orthodontia, private industry workers,

National Compensation Survey, 2011

(All workers participating in dental care plans = 100 percent)

Characteristics

Employee and dependent

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median2

percent of

covered

charges

All workers ............................................................... – 46 54 3 ( ) 50

Worker characteristic

Management, professional, and related .................. – 48 52 3 ( ) 50

Management, business, and financial ................. – 43 57 3 ( ) 50

Professional and related ...................................... – 51 49 3 ( ) 50

Service ..................................................................... – 38 62 3 ( ) 50

Protective service ................................................ – – 76 – –

Sales and office ....................................................... – 53 47 3 ( ) 50

Sales and related ................................................. – 61 39 – 50

Office and administrative support ........................ – 49 51 3 ( ) 50

Natural resources, construction, and maintenance – 45 54 1 50

Construction, extraction, farming, fishing, and

forestry ............................................................... – 49 51 3 ( ) 50

Installation, maintenance, and repair ................... – 42 57 1 50

Production, transportation, and material moving ..... – 32 67 3 ( ) 50

Production ............................................................ – 34 65 3 ( ) 50

Transportation and material moving .................... – 30 70 3 ( ) 50

Full time ................................................................... – 45 55 3 ( ) 50

Part time .................................................................. – 53 47 – 50

Union ....................................................................... – 44 55 1 50

Nonunion ................................................................. – 46 54 3 ( ) 50

Average wage within the following categories:4

Lowest 25 percent ............................................... – 40 60 – 50

Lowest 10 percent ........................................... – 42 58 – 50

Second 25 percent ............................................... – 46 54 3 ( ) 50

Third 25 percent ................................................... – 42 58 3 ( ) 50

Highest 25 percent ............................................... – 49 51 3 ( ) 50

Highest 10 percent ........................................... – 51 49 3 ( ) 50

Establishment characteristic

Goods-producing industries ..................................... – 39 60 1 50

Construction ......................................................... – 39 61 3 ( ) 50

Manufacturing ...................................................... – 37 62 1 50

Service-providing industries ..................................... – 47 53 3 ( ) 50

Trade, transportation, and utilities ....................... – 44 56 – 50

Wholesale trade ............................................... – 32 68 – 50

Retail trade ...................................................... – 59 41 – 70

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

Utilities ............................................................. – 43 57 – 50

Information ........................................................... – 79 – – 50

Financial activities ................................................ – 45 55 – 50

Finance and insurance .................................... – 43 57 – 50

See footnotes at end of table.
Table 41. Dental care benefits: Coverage for orthodontia, private industry workers, National

Compensation Survey, 2011—Continued

(All workers participating in dental care plans = 100 percent)

Characteristics

Dependent only

Median2

lifetime

maximum Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median2

percent of

covered

charges

All workers ............................................................... – 33 67 – 50 $1,500

Worker characteristic

Management, professional, and related .................. – 29 71 – 50 1,500

Management, business, and financial ................. – 31 69 – 50 1,500

Professional and related ...................................... – 28 72 – 50 1,500

Service ..................................................................... – 45 54 – 50 1,000

Protective service ................................................ – – 73 – – –

Sales and office ....................................................... – 27 73 – 50 1,500

Sales and related ................................................. – 18 82 – 50 1,500

Office and administrative support ........................ – 32 68 – 50 1,500

Natural resources, construction, and maintenance – 34 65 1 50 1,500

Construction, extraction, farming, fishing, and

forestry ............................................................... – 27 73 3 ( ) 50 1,500

Installation, maintenance, and repair ................... – 39 59 1 50 –

Production, transportation, and material moving ..... – 42 58 3 ( ) 50 1,500

Production ............................................................ – 38 61 3 ( ) 50 1,500

Transportation and material moving .................... – 47 53 3 ( ) 50 1,500

Full time ................................................................... – 33 67 – 50 1,500

Part time .................................................................. – 32 68 – 50 1,500

Union ....................................................................... – 43 56 – 50 1,500

Nonunion ................................................................. – 31 69 – 50 1,500

Average wage within the following categories:4

Lowest 25 percent ............................................... – 33 67 – 50 1,000

Lowest 10 percent ........................................... – 31 69 – 50 1,500

Second 25 percent ............................................... – 31 69 – 50 1,500

Third 25 percent ................................................... – 35 65 – 50 1,500

Highest 25 percent ............................................... – 32 67 – 50 1,500

Highest 10 percent ........................................... – 30 70 – 50 1,500

Establishment characteristic

Goods-producing industries ..................................... – 36 63 1 50 1,500

Construction ......................................................... – 34 66 3 ( ) 50 1,500

Manufacturing ...................................................... – 38 61 1 50 1,500

Service-providing industries ..................................... – 32 68 – 50 1,500

Trade, transportation, and utilities ....................... – 34 66 – 50 –

Wholesale trade ............................................... – 50 50 – 50 1,500

Retail trade ...................................................... – 13 87 – 50 1,000

Transportation and warehousing ..................... – 57 43 – 50 1,500

Utilities ............................................................. – 41 59 – 50 1,600

Information ........................................................... – – 94 – – 1,500

Financial activities ................................................ – 41 59 – 50 1,500

Finance and insurance .................................... – 42 58 – 50 1,500

See footnotes at end of table.
Table 41. Dental care benefits: Coverage for orthodontia, private industry workers,

National Compensation Survey, 2011—Continued

(All workers participating in dental care plans = 100 percent)

Characteristics

Employee and dependent

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median2

percent of

covered

charges

Credit intermediation and related activities .. – 46 54 – 50

Insurance carriers and related activities ...... – 32 68 – 50

Professional and business services ..................... – 55 45 – 50

Professional and technical services ................. – 52 48 – 50

Administrative and waste services ................... – 76 – – 50

Education and health services ............................. – 40 60 3 ( ) 50

Educational services ........................................ – 34 66 3 ( ) 50

Junior colleges, colleges, and universities ... – 45 55 1 50

Healthcare and social assistance .................... – 41 59 – 50

Leisure and hospitality ......................................... – 46 54 – 50

Accommodation and food services .................. – – 64 – –

1 to 99 workers ........................................................ – 42 58 – 50

1 to 49 workers .................................................... – 35 65 – 50

50 to 99 workers .................................................. – 52 48 – 50

100 workers or more ................................................ – 48 52 3 ( ) 50

100 to 499 workers .............................................. – 48 51 1 50

500 workers or more ............................................ – 47 53 3 ( ) 50

Geographic area

New England ........................................................... – 34 66 3 ( ) 50

Middle Atlantic ......................................................... – 38 62 – 50

East North Central ................................................... – 30 70 – 50

West North Central .................................................. – 43 57 – 50

South Atlantic ........................................................... – 58 41 1 50

East South Central ................................................... – 47 53 – 50

West South Central .................................................. – 54 46 – 50

Mountain .................................................................. – 44 56 – 50

Pacific ...................................................................... – 57 43 3 ( ) 50

See footnotes at end of table.
Table 41. Dental care benefits: Coverage for orthodontia, private industry workers, National

Compensation Survey, 2011—Continued

(All workers participating in dental care plans = 100 percent)

Characteristics

Dependent only

Median2

lifetime

maximum Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median2

percent of

covered

charges

Credit intermediation and related activities .. – 41 59 – 50 $1,500

Insurance carriers and related activities ...... – 44 56 – 50 1,500

Professional and business services ..................... – 21 79 – 50 1,500

Professional and technical services ................. – 20 80 – 50 1,500

Administrative and waste services ................... – – 86 – – –

Education and health services ............................. – 40 59 – 50 1,250

Educational services ........................................ – 32 61 – 50 1,500

Junior colleges, colleges, and universities ... – 40 60 – 50 1,500

Healthcare and social assistance .................... – 41 59 – 50 1,250

Leisure and hospitality ......................................... – – 67 – – 1,500

Accommodation and food services .................. – – 59 – – –

1 to 99 workers ........................................................ – 28 72 – 50 1,500

1 to 49 workers .................................................... – 32 68 – 50 1,500

50 to 99 workers .................................................. – 22 78 – 50 1,500

100 workers or more ................................................ – 35 64 – 50 1,500

100 to 499 workers .............................................. – 32 67 – 50 1,500

500 workers or more ............................................ – 38 62 – 50 1,500

Geographic area

New England ........................................................... – 31 66 – 50 1,500

Middle Atlantic ......................................................... – 41 59 – 50 1,500

East North Central ................................................... – 51 49 – 50 1,250

West North Central .................................................. – 26 74 – 50 1,500

South Atlantic ........................................................... – 19 80 1 50 1,500

East South Central ................................................... – 32 68 – 50 1,500

West South Central .................................................. – 34 66 – 50 1,500

Mountain .................................................................. – 34 66 – 50 1,500

Pacific ...................................................................... – 22 78 3 ( ) 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 The categories are based on the average wage for each occupation

surveyed, which may include workers with earnings both above and below

the threshold. The average wages are based on the estimates published in

the "National Compensation Survey: Occupational Earnings in the United

States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 41. Standard errors for dental care benefits: Coverage for orthodontia, private

industry workers, National Compensation Survey, 2011

Characteristics

Employee and dependent

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median2

percent of

covered

charges

All workers ............................................................... – 2.0 2.0 0.1 0.0

Worker characteristic

Management, professional, and related .................. – 3.0 3.0 3 ( ) 0.0

Management, business, and financial ................. – 4.7 4.7 3 ( ) 0.0

Professional and related ...................................... – 4.1 4.1 3 ( ) 0.0

Service ..................................................................... – 6.6 6.6 3 ( ) 0.0

Protective service ................................................ – – 8.4 – –

Sales and office ....................................................... – 3.2 3.2 0.1 0.0

Sales and related ................................................. – 4.6 4.6 – 0.0

Office and administrative support ........................ – 3.7 3.7 0.1 0.0

Natural resources, construction, and maintenance – 6.2 6.3 0.7 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................... – 10.5 10.5 3 ( ) 0.0

Installation, maintenance, and repair ................... – 7.1 7.3 1.1 0.0

Production, transportation, and material moving ..... – 3.3 3.3 0.4 0.0

Production ............................................................ – 4.2 4.2 0.4 0.0

Transportation and material moving .................... – 5.3 5.3 0.5 0.0

Full time ................................................................... – 2.1 2.1 0.1 0.0

Part time .................................................................. – 5.8 5.8 – 0.0

Union ....................................................................... – 3.6 3.7 0.8 0.0

Nonunion ................................................................. – 2.3 2.3 3 ( ) 0.0

Average wage within the following categories:4

Lowest 25 percent ............................................... – 7.3 7.3 – 0.0

Lowest 10 percent ........................................... – 9.4 9.4 – 0.0

Second 25 percent ............................................... – 3.4 3.4 3 ( ) 0.0

Third 25 percent ................................................... – 3.3 3.3 0.1 0.0

Highest 25 percent ............................................... – 2.1 2.1 0.3 0.0

Highest 10 percent ........................................... – 2.8 2.8 3 ( ) 0.0

Establishment characteristic

Goods-producing industries ..................................... – 3.7 3.7 0.7 0.0

Construction ......................................................... – 8.2 8.2 3 ( ) 0.0

Manufacturing ...................................................... – 3.8 3.8 0.9 0.0

Service-providing industries ..................................... – 2.5 2.5 3 ( ) 0.0

Trade, transportation, and utilities ....................... – 3.3 3.3 – 5.2

Wholesale trade ............................................... – 6.1 6.1 – 0.0

Retail trade ...................................................... – 4.3 4.3 – 0.0

Transportation and warehousing ..................... – – 7.8 – –

Utilities ............................................................. – 11.9 11.9 – 0.0

Information ........................................................... – 7.0 – – 0.0

Financial activities ................................................ – 3.7 3.7 – 0.0

Finance and insurance .................................... – 3.7 3.7 – 0.0

See footnotes at end of table.
Table 41. Standard errors for dental care benefits: Coverage for orthodontia, private industry

workers, National Compensation Survey, 2011—Continued

Characteristics

Dependent only

Median2

lifetime

maximum Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median2

percent of

covered

charges

All workers ............................................................... – 1.7 1.7 – 0.0 $0

Worker characteristic

Management, professional, and related .................. – 2.2 2.2 – 0.0 0

Management, business, and financial ................. – 2.9 2.9 – 0.0 0

Professional and related ...................................... – 3.4 3.4 – 0.0 0

Service ..................................................................... – 8.3 8.3 – 0.0 287

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

Sales and office ....................................................... – 2.8 2.8 – 0.0 0

Sales and related ................................................. – 3.6 3.6 – 0.0 0

Office and administrative support ........................ – 3.5 3.5 – 0.0 0

Natural resources, construction, and maintenance – 6.3 6.3 0.7 0.0 0

Construction, extraction, farming, fishing, and

forestry ............................................................... – 7.5 7.5 3 ( ) 0.0 0

Installation, maintenance, and repair ................... – 8.1 8.0 1.1 0.0 –

Production, transportation, and material moving ..... – 3.9 3.9 0.4 0.0 0

Production ............................................................ – 4.7 4.7 0.4 0.0 0

Transportation and material moving .................... – 7.1 7.1 0.5 0.0 0

Full time ................................................................... – 1.7 1.7 – 0.0 0

Part time .................................................................. – 6.6 6.7 – 0.0 177

Union ....................................................................... – 5.0 5.0 – 0.0 0

Nonunion ................................................................. – 1.9 1.9 – 0.0 0

Average wage within the following categories:4

Lowest 25 percent ............................................... – 8.8 8.8 – 0.0 260

Lowest 10 percent ........................................... – 9.0 9.0 – 0.0 0

Second 25 percent ............................................... – 2.9 2.9 – 0.0 0

Third 25 percent ................................................... – 2.6 2.6 – 0.0 0

Highest 25 percent ............................................... – 1.9 1.9 – 0.0 0

Highest 10 percent ........................................... – 2.6 2.6 – 0.0 0

Establishment characteristic

Goods-producing industries ..................................... – 3.7 3.7 0.7 0.0 0

Construction ......................................................... – 6.9 6.9 3 ( ) 0.0 0

Manufacturing ...................................................... – 4.4 4.4 0.9 0.0 0

Service-providing industries ..................................... – 2.0 2.1 – 0.0 0

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

Wholesale trade ............................................... – 7.5 7.5 – 0.0 147

Retail trade ...................................................... – 3.1 3.1 – 0.0 0

Transportation and warehousing ..................... – 10.2 10.2 – 0.0 0

Utilities ............................................................. – 11.1 11.1 – 0.0 229

Information ........................................................... – – 3.7 – – 151

Financial activities ................................................ – 3.3 3.3 – 0.0 0

Finance and insurance .................................... – 2.8 2.8 – 0.0 0

See footnotes at end of table.
Table 41. Standard errors for dental care benefits: Coverage for orthodontia, private

industry workers, National Compensation Survey, 2011—Continued

Characteristics

Employee and dependent

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median2

percent of

covered

charges

Credit intermediation and related activities .. – 5.3 5.3 – 0.0

Insurance carriers and related activities ...... – 5.5 5.5 – 0.0

Professional and business services ..................... – 5.1 5.1 – 0.0

Professional and technical services ................. – 7.4 7.4 – 0.0

Administrative and waste services ................... – 7.8 – – 0.0

Education and health services ............................. – 5.5 5.5 3 ( ) 0.0

Educational services ........................................ – 4.9 4.9 3 ( ) 0.0

Junior colleges, colleges, and universities ... – 4.2 4.2 0.1 0.0

Healthcare and social assistance .................... – 6.4 6.4 – 0.0

Leisure and hospitality ......................................... – 12.3 12.3 – 0.0

Accommodation and food services .................. – – 11.7 – –

1 to 99 workers ........................................................ – 3.9 3.9 – 0.0

1 to 49 workers .................................................... – 4.7 4.7 – 0.0

50 to 99 workers .................................................. – 5.9 5.9 – 0.0

100 workers or more ................................................ – 2.3 2.3 0.2 0.0

100 to 499 workers .............................................. – 3.5 3.5 0.4 0.0

500 workers or more ............................................ – 3.1 3.1 3 ( ) 0.0

Geographic area

New England ........................................................... – 2.7 2.8 0.3 0.0

Middle Atlantic ......................................................... – 7.5 7.5 – 0.0

East North Central ................................................... – 3.0 3.0 – 0.0

West North Central .................................................. – 4.0 4.0 – 0.0

South Atlantic ........................................................... – 3.0 3.0 0.8 0.0

East South Central ................................................... – 7.7 7.7 – 0.0

West South Central .................................................. – 6.2 6.2 – 0.0

Mountain .................................................................. – 8.9 8.9 – 0.0

Pacific ...................................................................... – 5.1 5.1 3 ( ) 0.0

See footnotes at end of table.
Table 41. Standard errors for dental care benefits: Coverage for orthodontia, private industry

workers, National Compensation Survey, 2011—Continued

Characteristics

Dependent only

Median2

lifetime

maximum Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median2

percent of

covered

charges

Credit intermediation and related activities .. – 4.4 4.4 – 0.0 $0

Insurance carriers and related activities ...... – 5.0 5.0 – 0.0 0

Professional and business services ..................... – 4.2 4.2 – 0.0 0

Professional and technical services ................. – 5.9 5.9 – 0.0 0

Administrative and waste services ................... – – 8.1 – – –

Education and health services ............................. – 6.0 6.0 – 0.0 240

Educational services ........................................ – 3.8 7.4 – 0.0 0

Junior colleges, colleges, and universities ... – 4.5 4.5 – 0.0 0

Healthcare and social assistance .................... – 6.8 6.8 – 0.0 215

Leisure and hospitality ......................................... – – 11.0 – – 170

Accommodation and food services .................. – – 12.2 – – –

1 to 99 workers ........................................................ – 2.8 2.8 – 0.0 0

1 to 49 workers .................................................... – 3.8 3.8 – 0.0 0

50 to 99 workers .................................................. – 4.5 4.5 – 0.0 0

100 workers or more ................................................ – 2.3 2.2 – 0.0 0

100 to 499 workers .............................................. – 4.4 4.4 – 0.0 85

500 workers or more ............................................ – 3.3 3.3 – 0.0 0

Geographic area

New England ........................................................... – 5.1 5.7 – 0.0 270

Middle Atlantic ......................................................... – 5.8 5.8 – 0.0 0

East North Central ................................................... – 4.9 4.9 – 0.0 231

West North Central .................................................. – 3.6 3.6 – 0.0 0

South Atlantic ........................................................... – 2.9 2.9 0.8 0.0 0

East South Central ................................................... – 8.8 8.8 – 0.0 437

West South Central .................................................. – 5.4 5.4 – 0.0 0

Mountain .................................................................. – 4.6 4.6 – 0.0 0

Pacific ...................................................................... – 2.5 2.5 3 ( ) 0.0 0

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 Less than 0.05. 4 The categories are based on the average wage for each occupation

surveyed, which may include workers with earnings both above and below

the threshold. The average wages are based on the estimates published in

the "National Compensation Survey: Occupational Earnings in the United

States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 42. Dental care benefits: Median percent of covered charges

paid by plan for selected services, private industry workers, National

Compensation Survey, 2011

(Includes all workers participating in dental care plans)

Characteristics Preventive

services

Basic

services

Major

services

All workers ............................................................... 100 80 50

Worker characteristic

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 categories:1

Lowest 25 percent ............................................... 100 80 50

Lowest 10 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 60

Transportation and warehousing ..................... 100 80 50

Utilities ............................................................. 100 80 50

Information ........................................................... 100 80 50

Financial activities ................................................ 100 80 50

Finance and insurance .................................... 100 80 50

See footnotes at end of table.
Table 42. Dental care benefits: Median percent of covered charges

paid by plan for selected services, private industry workers, National

Compensation Survey, 2011—Continued

(Includes all workers participating in dental care plans)

Characteristics Preventive

services

Basic

services

Major

services

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 60

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

Healthcare and social assistance .................... 100 80 50

Leisure and hospitality ......................................... 100 80 50

Accommodation and food services .................. 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

East North Central ................................................... 100 80 50

West North Central .................................................. 100 80 50

South Atlantic ........................................................... 100 80 50

East South Central ................................................... 100 80 50

West South Central .................................................. 100 80 50

Mountain .................................................................. 100 80 50

Pacific ...................................................................... 100 80 50

1 The categories are based on the average wage

for each occupation surveyed, which may include

workers with earnings both above and below the

threshold. The average wages are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2010." See Technical Note for more details.

NOTE: For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee

Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 42. Standard errors for dental care benefits: Median percent of

covered charges paid by plan for selected services, private industry

workers, National Compensation Survey, 2011

Characteristics Preventive

services

Basic

services

Major

services

All workers ............................................................... 0.0 0.0 0.0

Worker characteristic

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 4.5

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 2.0

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 4.7

Union ....................................................................... 0.0 0.0 0.0

Nonunion ................................................................. 0.0 0.0 0.0

Average wage within the following categories:1

Lowest 25 percent ............................................... 0.0 0.0 0.0

Lowest 10 percent ........................................... 0.0 0.0 1.0

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 13.3

Transportation and warehousing ..................... 0.0 0.0 0.0

Utilities ............................................................. 0.0 0.0 0.0

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 42. Standard errors for dental care benefits: Median percent of

covered charges paid by plan for selected services, private industry

workers, National Compensation Survey, 2011—Continued

Characteristics Preventive

services

Basic

services

Major

services

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 3.9

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

Healthcare and social assistance .................... 0.0 0.0 0.0

Leisure and hospitality ......................................... 0.0 5.2 7.8

Accommodation and food services .................. 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

East North Central ................................................... 0.0 0.0 0.0

West North Central .................................................. 0.0 0.0 0.0

South Atlantic ........................................................... 0.0 0.0 0.0

East South Central ................................................... 0.0 0.0 4.3

West South Central .................................................. 0.0 0.0 0.0

Mountain .................................................................. 0.0 0.0 0.0

Pacific ...................................................................... 0.0 0.0 4.0

1 The categories are based on the average wage

for each occupation surveyed, which may include

workers with earnings both above and below the

threshold. The average wages are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2010." See Technical Note for more details.

NOTE: For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee

Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 43. Dental care benefits: Amount of annual individual deductible,1

 private industry workers, National Compensation Survey,

2011

(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

All workers ............................................................... 100 75 $25 $50 $50 $50 $50 24 1

Worker characteristic

Management, professional, and related .................. 100 77 25 50 50 50 50 22 2

Management, business, and financial ................. 100 80 25 50 50 50 50 19 1

Professional and related ...................................... 100 74 25 50 50 50 50 23 2

Service ..................................................................... 100 72 25 – 50 50 50 26 1

Protective service ................................................ 100 81 25 – 50 50 50 – –

Sales and office ....................................................... 100 78 25 50 50 50 50 21 1

Sales and related ................................................. 100 87 – 50 50 50 50 13 1

Office and administrative support ........................ 100 73 25 50 50 50 50 26 1

Natural resources, construction, and maintenance 100 63 – 50 50 50 50 36 1

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 48 25 50 50 50 – 50 2

Installation, maintenance, and repair ................... 100 74 – 50 50 50 50 26 2 ( )

Production, transportation, and material moving ..... 100 71 25 50 50 50 50 27 2

Production ............................................................ 100 71 25 – 50 50 – 27 2

Transportation and material moving .................... 100 72 – 50 50 50 50 27 1

Full time ................................................................... 100 75 25 50 50 50 50 24 1

Part time .................................................................. 100 70 25 50 50 50 50 28 2

Union ....................................................................... 100 50 25 – 50 50 50 46 4

Nonunion ................................................................. 100 79 25 50 50 50 50 20 1

Average wage within the following categories:3

Lowest 25 percent ............................................... 100 81 – 50 50 50 – 19 1

Lowest 10 percent ........................................... 100 66 – 50 50 50 50 – –

Second 25 percent ............................................... 100 77 25 50 50 50 50 22 1

Third 25 percent ................................................... 100 74 25 50 50 50 50 25 1

Highest 25 percent ............................................... 100 73 25 50 50 50 50 25 2

Highest 10 percent ........................................... 100 74 25 50 50 50 50 24 2

Establishment characteristic

Goods-producing industries ..................................... 100 67 25 – 50 50 – 31 2

Construction ......................................................... 100 39 – 50 50 50 – 59 2

Manufacturing ...................................................... 100 75 25 – 50 50 – 24 1

Service-providing industries ..................................... 100 76 25 50 50 50 50 22 1

Trade, transportation, and utilities ....................... 100 81 – 50 50 50 50 18 1

Wholesale trade ............................................... 100 82 40 50 50 50 50 – –

Retail trade ...................................................... 100 83 50 50 50 50 50 16 1

Transportation and warehousing ..................... 100 74 – 50 50 50 50 26 –

Utilities ............................................................. 100 89 25 25 – 50 50 – –

Information ........................................................... 100 77 35 50 50 50 – – –

Financial activities ................................................ 100 79 25 50 50 50 75 21 1

Finance and insurance .................................... 100 78 25 – 50 50 75 21 1

See footnotes at end of table.
Table 43. Dental care benefits: Amount of annual individual deductible,1

 private industry workers, National Compensation Survey,

2011—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 79 $25 – $50 $50 $50 20 2

Insurance carriers and related activities ...... 100 77 – $50 50 – 75 23 –

Professional and business services ..................... 100 78 25 50 50 50 50 22 –

Professional and technical services ................. 100 78 – 50 50 50 50 – –

Administrative and waste services ................... 100 66 20 – 50 50 50 – –

Education and health services ............................. 100 68 25 50 50 50 50 29 3

Educational services ........................................ 100 54 25 50 50 50 – 42 5

Junior colleges, colleges, and universities ... 100 58 25 50 50 50 100 40 2

Healthcare and social assistance .................... 100 71 25 50 50 50 50 26 3

Leisure and hospitality ......................................... 100 79 – 50 50 50 75 – –

Accommodation and food services .................. 100 77 – – 50 – 75 – –

1 to 99 workers ........................................................ 100 79 25 50 50 50 50 20 1

1 to 49 workers .................................................... 100 77 25 50 50 50 50 23 1

50 to 99 workers .................................................. 100 83 25 50 50 50 – – –

100 workers or more ................................................ 100 72 25 50 50 50 50 26 2

100 to 499 workers .............................................. 100 78 – 50 50 50 50 21 1

500 workers or more ............................................ 100 66 25 – 50 50 50 31 2

Geographic area

New England ........................................................... 100 81 25 50 50 50 100 – –

Middle Atlantic ......................................................... 100 63 25 – 50 50 50 33 4

East North Central ................................................... 100 75 25 50 50 50 50 24 1

West North Central .................................................. 100 88 25 50 50 50 – 12 1

South Atlantic ........................................................... 100 75 – 50 50 50 50 – –

East South Central ................................................... 100 83 25 50 50 50 – – –

West South Central .................................................. 100 88 – 50 50 50 50 – –

Mountain .................................................................. 100 73 – 50 50 50 – 27 2 ( )

Pacific ...................................................................... 100 68 25 – 50 50 50 32 1

1 Amount of deductible is for each insured individual and excludes separate deductibles for

orthodontic procedures. A single deductible may not apply to all covered dental procedures. If separate

deductibles applied to different procedures, the sum of the deductible amounts was tabulated. 2 Less than 0.5. 3 The categories are based on the average wage for each occupation surveyed, which may include

workers with earnings both above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United States,

2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 43. Standard errors for dental care benefits: Amount of annual individual deductible,1

 private industry workers,

National Compensation Survey, 2011

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

All workers ............................................................... 2.1 $0 $0 $0 $0 $0 2.2 0.3

Worker characteristic

Management, professional, and related .................. 2.6 0 0 0 0 0 2.7 0.6

Management, business, and financial ................. 2.5 0 0 0 0 0 2.5 0.5

Professional and related ...................................... 3.4 0 0 0 0 0 3.6 0.9

Service ..................................................................... 6.1 2 – 0 0 0 6.0 0.4

Protective service ................................................ 14.7 0 – 0 0 0 – –

Sales and office ....................................................... 2.4 0 0 0 0 0 2.3 0.3

Sales and related ................................................. 2.4 – 0 0 0 0 2.4 0.5

Office and administrative support ........................ 3.1 0 0 0 0 0 3.1 0.4

Natural resources, construction, and maintenance 6.7 – 0 0 0 0 6.8 0.6

Construction, extraction, farming, fishing, and

forestry ............................................................... 10.7 0 14 0 0 – 11.1 1.4

Installation, maintenance, and repair ................... 6.4 – 0 0 0 0 6.4 0.2

Production, transportation, and material moving ..... 3.8 0 0 0 0 8 3.8 0.8

Production ............................................................ 4.2 0 – 0 0 – 4.1 1.3

Transportation and material moving .................... 5.2 – 0 0 0 0 5.3 0.8

Full time ................................................................... 2.1 0 0 0 0 0 2.2 0.4

Part time .................................................................. 4.5 0 0 0 0 7 4.5 1.4

Union ....................................................................... 5.0 0 – 0 0 0 5.2 0.8

Nonunion ................................................................. 1.6 0 0 0 0 0 1.7 0.3

Average wage within the following categories:2

Lowest 25 percent ............................................... 5.3 – 0 0 0 – 5.3 0.5

Lowest 10 percent ........................................... 10.5 – 10 0 0 14 – –

Second 25 percent ............................................... 2.9 0 0 0 0 0 2.9 0.6

Third 25 percent ................................................... 2.7 0 0 0 0 0 2.8 0.2

Highest 25 percent ............................................... 2.9 0 0 0 0 0 3.1 0.5

Highest 10 percent ........................................... 4.6 0 0 0 0 0 4.9 0.6

Establishment characteristic

Goods-producing industries ..................................... 3.9 0 – 0 0 – 3.9 0.8

Construction ......................................................... 7.9 – 0 0 0 – 8.4 2.2

Manufacturing ...................................................... 3.7 0 – 0 0 – 3.7 0.8

Service-providing industries ..................................... 2.1 0 0 0 0 0 2.2 0.3

Trade, transportation, and utilities ....................... 3.0 – 0 0 0 0 3.0 0.4

Wholesale trade ............................................... 7.4 9 0 0 0 0 – –

Retail trade ...................................................... 3.8 14 0 0 0 0 3.9 0.8

Transportation and warehousing ..................... 7.0 – 0 0 0 0 7.0 –

Utilities ............................................................. 5.2 0 0 – 0 0 – –

Information ........................................................... 5.2 7 0 0 0 – – –

Financial activities ................................................ 3.0 0 0 0 0 16 3.0 0.6

Finance and insurance .................................... 2.4 0 – 0 0 0 2.3 0.7

See footnotes at end of table.
Table 43. Standard errors for dental care benefits: Amount of annual individual deductible,1

 private industry workers,

National Compensation Survey, 2011—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 .. 2.9 $0 – $0 $0 $5 2.5 1.5

Insurance carriers and related activities ...... 5.9 – $0 0 – 0 5.9 –

Professional and business services ..................... 5.0 5 0 0 0 0 5.0 –

Professional and technical services ................. 7.4 – 0 0 0 0 – –

Administrative and waste services ................... 12.4 5 – 0 0 0 – –

Education and health services ............................. 4.7 0 0 0 0 0 4.7 0.9

Educational services ........................................ 5.9 0 0 0 0 – 5.7 3.7

Junior colleges, colleges, and universities ... 5.1 0 0 0 0 29 5.1 0.8

Healthcare and social assistance .................... 5.5 0 8 0 0 0 5.5 0.9

Leisure and hospitality ......................................... 8.8 – 8 0 15 18 – –

Accommodation and food services .................. 11.5 – – 0 – 0 – –

1 to 99 workers ........................................................ 3.6 0 0 0 0 0 3.6 0.3

1 to 49 workers .................................................... 4.0 0 0 0 0 0 4.1 0.5

50 to 99 workers .................................................. 7.2 6 0 0 0 – – –

100 workers or more ................................................ 2.0 0 0 0 0 0 2.2 0.5

100 to 499 workers .............................................. 2.9 – 0 0 0 0 3.0 0.5

500 workers or more ............................................ 2.7 0 – 0 0 2 3.0 0.8

Geographic area

New England ........................................................... 6.3 0 0 0 0 18 – –

Middle Atlantic ......................................................... 5.2 0 – 0 0 0 5.0 1.1

East North Central ................................................... 5.1 0 0 0 0 0 5.7 0.7

West North Central .................................................. 2.7 0 0 0 0 – 2.7 1.0

South Atlantic ........................................................... 7.8 – 0 0 0 0 – –

East South Central ................................................... 7.7 0 5 0 0 – – –

West South Central .................................................. 3.6 – 0 0 0 0 – –

Mountain .................................................................. 7.0 – 0 0 0 – 7.0 3 ( )

Pacific ...................................................................... 3.4 0 – 0 0 0 3.6 0.5

1 Amount of deductible is for each insured individual and excludes separate deductibles for

orthodontic procedures. A single deductible may not apply to all covered dental procedures. If

separate deductibles applied to different procedures, the sum of the deductible amounts was

tabulated. 2 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are

based on the estimates published in the "National Compensation Survey: Occupational Earnings

in the United States, 2010." See Technical Note for more details. 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/glossary20112012.htm.
Table 44. Dental care benefits: Amount of annual family deductible,1

 private industry workers, National Compensation Survey, 2011

(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

All workers ............................................................... 100 61 $75 $100 $150 $150 $150 37 1

Worker characteristic

Management, professional, and related .................. 100 67 75 100 150 150 150 31 2

Management, business, and financial ................. 100 68 75 100 150 150 150 31 1

Professional and related ...................................... 100 66 75 100 150 150 150 31 2

Service ..................................................................... 100 58 75 100 150 150 150 40 1

Protective service ................................................ 100 – – – – – – 48 –

Sales and office ....................................................... 100 60 75 100 150 150 150 39 1

Sales and related ................................................. 100 66 100 150 150 150 150 34 1

Office and administrative support ........................ 100 57 75 100 150 150 150 42 1

Natural resources, construction, and maintenance 100 47 75 – 150 150 150 52 1

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 36 50 – 150 150 – 62 2

Installation, maintenance, and repair ................... 100 55 75 – 150 150 150 45 2 ( )

Production, transportation, and material moving ..... 100 58 75 100 150 150 150 40 2

Production ............................................................ 100 57 75 – 150 150 – 41 2

Transportation and material moving .................... 100 60 – 100 150 150 150 39 1

Full time ................................................................... 100 62 75 100 150 150 150 37 1

Part time .................................................................. 100 56 – 150 150 150 150 42 2

Union ....................................................................... 100 39 75 – 150 150 150 57 4

Nonunion ................................................................. 100 65 75 100 150 150 150 34 1

Average wage within the following categories:3

Lowest 25 percent ............................................... 100 65 – 150 150 150 150 34 1

Lowest 10 percent ........................................... 100 – – – – – – 48 –

Second 25 percent ............................................... 100 62 75 100 150 150 150 37 1

Third 25 percent ................................................... 100 59 75 100 150 150 150 40 1

Highest 25 percent ............................................... 100 62 75 100 150 150 150 36 2

Highest 10 percent ........................................... 100 63 75 100 150 150 150 36 2

Establishment characteristic

Goods-producing industries ..................................... 100 59 – – 150 150 – 39 2

Construction ......................................................... 100 32 – 150 150 150 – 66 2

Manufacturing ...................................................... 100 67 – 75 150 150 – 32 1

Service-providing industries ..................................... 100 62 75 100 150 150 150 37 1

Trade, transportation, and utilities ....................... 100 64 100 100 150 150 150 35 1

Wholesale trade ............................................... 100 65 100 – 150 150 150 35 –

Retail trade ...................................................... 100 64 100 150 150 150 150 34 1

Transportation and warehousing ..................... 100 62 – 100 – 150 150 38 –

Utilities ............................................................. 100 66 50 75 – 150 150 – –

Information ........................................................... 100 47 100 150 150 150 150 – –

Financial activities ................................................ 100 61 75 – 150 150 150 38 1

Finance and insurance .................................... 100 64 75 75 150 150 150 35 1

See footnotes at end of table.
Table 44. Dental care benefits: Amount of annual family deductible,1

 private industry workers, National Compensation Survey,

2011—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 64 $75 $75 – $150 $150 35 2

Insurance carriers and related activities ...... 100 68 75 100 $150 150 150 32 –

Professional and business services ..................... 100 62 75 100 150 150 150 38 –

Professional and technical services ................. 100 68 100 100 150 150 150 – –

Administrative and waste services ................... 100 37 75 – 150 150 150 63 –

Education and health services ............................. 100 61 75 100 150 150 150 37 3

Educational services ........................................ 100 50 75 100 150 150 – 45 5

Junior colleges, colleges, and universities ... 100 52 75 100 150 150 200 46 2

Healthcare and social assistance .................... 100 62 75 100 150 150 150 35 3

Leisure and hospitality ......................................... 100 67 – – 150 150 150 33 –

Accommodation and food services .................. 100 67 – – 150 150 150 – –

1 to 99 workers ........................................................ 100 60 75 100 150 150 150 39 1

1 to 49 workers .................................................... 100 60 75 100 150 150 150 39 1

50 to 99 workers .................................................. 100 59 75 – 150 150 150 – –

100 workers or more ................................................ 100 62 75 100 150 150 150 36 2

100 to 499 workers .............................................. 100 69 75 100 150 150 150 30 1

500 workers or more ............................................ 100 55 75 100 – 150 150 42 2

Geographic area

New England ........................................................... 100 73 75 100 – 150 – – –

Middle Atlantic ......................................................... 100 53 75 100 150 150 150 43 4

East North Central ................................................... 100 64 75 100 150 150 150 35 1

West North Central .................................................. 100 65 – – 150 150 150 34 1

South Atlantic ........................................................... 100 61 75 100 150 150 150 – –

East South Central ................................................... 100 71 – – 150 150 150 – –

West South Central .................................................. 100 78 75 150 150 150 150 – –

Mountain .................................................................. 100 63 75 – 150 150 – 37 2 ( )

Pacific ...................................................................... 100 48 75 100 150 150 150 51 1

1 Amount of deductible excludes separate deductibles for orthodontic procedures. A deductible may

not apply to all covered dental procedures. If separate deductibles applied to different procedures, the

sum of the deductible amounts was tabulated. 2 Less than 0.5. 3 The categories are based on the average wage for each occupation surveyed, which may include

workers with earnings both above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United States,

2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 44. Standard errors for dental care benefits: Amount of annual family deductible,1

 private industry workers, National

Compensation Survey, 2011

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

All workers ............................................................... 2.2 $0 $0 $0 $0 $0 2.4 0.3

Worker characteristic

Management, professional, and related .................. 3.1 0 0 0 0 0 3.3 0.6

Management, business, and financial ................. 3.7 0 0 0 0 0 3.7 0.5

Professional and related ...................................... 3.8 0 0 0 0 0 4.2 0.9

Service ..................................................................... 7.4 0 16 0 0 0 7.3 0.4

Protective service ................................................ – – – – – – 13.6 –

Sales and office ....................................................... 3.2 0 0 0 0 0 3.2 0.3

Sales and related ................................................. 3.9 0 0 0 0 0 3.8 0.5

Office and administrative support ........................ 3.6 0 0 0 0 0 3.7 0.4

Natural resources, construction, and maintenance 6.2 10 – 0 0 0 6.3 0.6

Construction, extraction, farming, fishing, and

forestry ............................................................... 9.2 0 – 0 0 – 9.6 1.4

Installation, maintenance, and repair ................... 7.2 22 – 0 0 0 7.2 0.2

Production, transportation, and material moving ..... 3.2 0 7 0 0 10 3.2 0.8

Production ............................................................ 4.1 0 – 0 0 – 4.1 1.3

Transportation and material moving .................... 5.1 – 0 0 0 0 5.1 0.8

Full time ................................................................... 2.3 0 0 0 0 0 2.4 0.4

Part time .................................................................. 5.7 – 0 0 0 0 5.7 1.4

Union ....................................................................... 4.5 0 – 0 0 0 4.9 0.8

Nonunion ................................................................. 2.2 0 0 0 0 0 2.3 0.3

Average wage within the following categories:2

Lowest 25 percent ............................................... 6.9 – 0 0 0 0 6.9 0.5

Lowest 10 percent ........................................... – – – – – – 11.9 –

Second 25 percent ............................................... 3.3 0 0 0 0 0 3.3 0.6

Third 25 percent ................................................... 3.1 0 5 0 0 0 3.2 0.2

Highest 25 percent ............................................... 3.2 0 0 0 0 0 3.5 0.5

Highest 10 percent ........................................... 5.2 0 0 0 0 0 5.6 0.6

Establishment characteristic

Goods-producing industries ..................................... 3.7 – – 0 0 – 3.7 0.8

Construction ......................................................... 6.9 – 0 0 0 – 7.4 2.2

Manufacturing ...................................................... 3.8 – 13 10 0 – 3.7 0.8

Service-providing industries ..................................... 2.4 0 0 0 0 0 2.6 0.3

Trade, transportation, and utilities ....................... 3.3 25 0 0 0 0 3.3 0.4

Wholesale trade ............................................... 7.9 0 – 0 0 0 7.9 –

Retail trade ...................................................... 4.8 0 0 0 0 0 4.8 0.8

Transportation and warehousing ..................... 6.6 – 0 – 0 35 6.6 –

Utilities ............................................................. 10.3 15 12 – 21 0 – –

Information ........................................................... 7.1 10 10 0 0 0 – –

Financial activities ................................................ 3.4 0 – 0 0 0 3.3 0.6

Finance and insurance .................................... 3.4 0 21 0 0 0 3.4 0.7

See footnotes at end of table.
Table 44. Standard errors for dental care benefits: Amount of annual family deductible,1

 private industry workers, National

Compensation Survey, 2011—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 .. 4.3 $0 $0 – $0 $0 4.1 1.5

Insurance carriers and related activities ...... 6.0 7 20 $0 0 20 6.0 –

Professional and business services ..................... 6.3 10 0 0 0 0 6.3 –

Professional and technical services ................. 10.0 17 22 0 0 0 – –

Administrative and waste services ................... 9.9 15 – 28 0 0 9.9 –

Education and health services ............................. 5.1 0 5 0 0 0 5.2 0.9

Educational services ........................................ 5.7 0 0 0 0 – 5.5 3.7

Junior colleges, colleges, and universities ... 5.0 0 13 14 0 24 5.0 0.8

Healthcare and social assistance .................... 6.0 0 10 0 0 0 6.1 0.9

Leisure and hospitality ......................................... 9.5 – – 0 0 0 9.5 –

Accommodation and food services .................. 12.2 – – 0 0 0 – –

1 to 99 workers ........................................................ 4.3 0 17 0 0 0 4.3 0.3

1 to 49 workers .................................................... 4.6 5 14 0 0 0 4.6 0.5

50 to 99 workers .................................................. 6.9 0 – 0 0 0 – –

100 workers or more ................................................ 2.3 0 0 0 0 0 2.6 0.5

100 to 499 workers .............................................. 3.3 0 14 0 0 0 3.3 0.5

500 workers or more ............................................ 2.6 0 17 – 0 0 3.0 0.8

Geographic area

New England ........................................................... 4.6 0 0 – 0 – – –

Middle Atlantic ......................................................... 4.7 0 24 0 0 0 5.2 1.1

East North Central ................................................... 6.5 0 14 26 0 0 7.1 0.7

West North Central .................................................. 2.9 – – 19 0 0 2.8 1.0

South Atlantic ........................................................... 7.8 12 26 0 0 0 – –

East South Central ................................................... 7.7 – – 0 0 0 – –

West South Central .................................................. 4.3 17 24 0 0 0 – –

Mountain .................................................................. 7.8 0 – 0 0 – 7.8 3 ( )

Pacific ...................................................................... 4.1 0 0 0 0 0 4.2 0.5

1 Amount of deductible excludes separate deductibles for orthodontic procedures. A

deductible may not apply to all covered dental procedures. If separate deductibles applied to

different procedures, the sum of the deductible amounts was tabulated. 2 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are

based on the estimates published in the "National Compensation Survey: Occupational Earnings

in the United States, 2010." See Technical Note for more details. 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/glossary20112012.htm.
Table 45. Dental care benefits: Amount of annual plan maximum,1

 private industry workers, National Compensation Survey, 2011

(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

All workers ............................................................... 100 88 $1,000 $1,000 $1,500 $1,500 $2,000 11 1

Worker characteristic

Management, professional, and related .................. 100 88 1,000 1,000 1,500 2,000 2,000 12 1

Management, business, and financial ................. 100 88 1,000 1,000 1,500 2,000 2,000 11 2 ( )

Professional and related ...................................... 100 87 1,000 1,200 1,500 2,000 2,000 12 1

Service ..................................................................... 100 90 1,000 1,000 1,500 1,500 2,000 – –

Protective service ................................................ 100 99 500 – 1,000 1,500 – – –

Sales and office ....................................................... 100 86 1,000 1,100 1,500 1,500 2,000 13 1

Sales and related ................................................. 100 88 1,000 1,100 1,500 1,500 2,000 11 1

Office and administrative support ........................ 100 85 1,000 1,100 1,500 1,500 2,000 15 1

Natural resources, construction, and maintenance 100 90 1,000 1,100 1,500 1,500 2,000 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 92 1,000 1,500 1,500 1,800 2,500 8 2 ( )

Installation, maintenance, and repair ................... 100 89 – 1,000 1,500 1,500 2,000 – –

Production, transportation, and material moving ..... 100 93 1,000 1,000 1,500 1,850 2,000 6 1

Production ............................................................ 100 94 1,000 1,000 1,500 1,850 2,000 5 2 ( )

Transportation and material moving .................... 100 91 1,000 1,000 1,500 1,850 2,000 8 2

Full time ................................................................... 100 89 1,000 1,000 1,500 1,500 2,000 10 1

Part time .................................................................. 100 81 1,000 1,250 1,500 1,750 2,000 18 1

Union ....................................................................... 100 82 1,000 1,500 1,500 2,000 2,500 18 2 ( )

Nonunion ................................................................. 100 89 1,000 1,000 1,500 1,500 2,000 10 1

Average wage within the following categories:3

Lowest 25 percent ............................................... 100 91 1,000 1,000 1,500 1,500 2,000 – –

Lowest 10 percent ........................................... 100 88 – 1,000 1,500 1,500 – – –

Second 25 percent ............................................... 100 85 1,000 1,000 1,500 1,500 2,000 14 1

Third 25 percent ................................................... 100 89 1,000 1,000 1,500 1,500 2,000 10 1

Highest 25 percent ............................................... 100 89 1,000 1,250 1,500 2,000 2,000 10 1

Highest 10 percent ........................................... 100 88 1,000 1,300 1,500 2,000 2,000 12 2 ( )

Establishment characteristic

Goods-producing industries ..................................... 100 93 1,000 1,000 1,500 1,700 2,000 6 1

Construction ......................................................... 100 87 – 1,500 1,500 1,800 2,500 – –

Manufacturing ...................................................... 100 96 1,000 1,000 1,500 1,500 2,000 – –

Service-providing industries ..................................... 100 87 1,000 1,000 1,500 1,500 2,000 12 1

Trade, transportation, and utilities ....................... 100 86 1,000 1,000 1,500 1,500 2,000 13 1

Wholesale trade ............................................... 100 85 1,000 1,000 1,500 1,500 1,850 – –

Retail trade ...................................................... 100 84 – 1,000 1,100 1,500 1,800 15 1

Transportation and warehousing ..................... 100 89 1,000 – 1,500 2,000 2,000 – –

Utilities ............................................................. 100 96 1,000 1,500 1,500 1,800 2,500 – –

Information ........................................................... 100 91 1,300 1,500 1,500 2,000 2,500 9 1

Financial activities ................................................ 100 87 1,000 – 1,500 2,000 2,000 12 1

Finance and insurance .................................... 100 89 1,000 1,500 1,500 2,000 2,000 10 1

See footnotes at end of table.
Table 45. Dental care benefits: Amount of annual plan maximum,1

 private industry workers, National Compensation Survey,

2011—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 $1,250 $1,500 – – 14 2

Insurance carriers and related activities ...... 100 94 1,000 1,500 1,500 $2,000 $2,000 – –

Professional and business services ..................... 100 84 1,000 1,250 1,500 2,000 2,000 16 –

Professional and technical services ................. 100 88 1,000 1,500 1,500 2,000 2,000 – –

Administrative and waste services ................... 100 60 1,000 – 1,500 1,500 – 40 –

Education and health services ............................. 100 89 1,000 1,000 1,500 1,500 2,000 – –

Educational services ........................................ 100 81 1,000 1,000 1,500 1,500 2,000 12 7

Junior colleges, colleges, and universities ... 100 88 1,000 1,000 1,500 1,500 – – –

Healthcare and social assistance .................... 100 91 1,000 1,000 1,500 1,500 2,000 – –

Leisure and hospitality ......................................... 100 98 – – 1,500 – 2,000 – –

Accommodation and food services .................. 100 99 – – 1,500 1,500 – – –

1 to 99 workers ........................................................ 100 89 1,000 1,000 1,500 1,500 2,000 10 1

1 to 49 workers .................................................... 100 87 1,000 1,000 1,500 2,000 2,000 11 2

50 to 99 workers .................................................. 100 91 1,000 1,200 1,500 1,500 2,000 – –

100 workers or more ................................................ 100 88 1,000 1,100 1,500 1,700 2,000 11 1

100 to 499 workers .............................................. 100 90 1,000 1,000 1,500 1,500 2,000 9 1

500 workers or more ............................................ 100 87 1,000 1,200 1,500 2,000 2,000 13 2 ( )

Geographic area

New England ........................................................... 100 92 1,000 1,000 1,500 1,500 2,000 – –

Middle Atlantic ......................................................... 100 89 1,000 1,000 1,500 2,000 2,000 10 1

East North Central ................................................... 100 94 1,000 1,000 1,500 1,500 2,000 6 2 ( )

West North Central .................................................. 100 94 1,000 1,000 1,500 2,000 2,000 – –

South Atlantic ........................................................... 100 83 1,000 1,100 1,500 1,500 2,000 17 2 ( )

East South Central ................................................... 100 92 – 1,000 1,250 1,500 2,000 – –

West South Central .................................................. 100 95 1,000 1,200 1,500 2,000 2,000 – –

Mountain .................................................................. 100 92 1,000 1,100 1,500 1,500 2,000 – –

Pacific ...................................................................... 100 78 1,000 1,500 1,500 2,000 2,500 22 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 The categories are based on the average wage for each occupation surveyed, which may include

workers with earnings both above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United States,

2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 45. Standard errors for dental care benefits: Amount of annual plan maximum,1

 private industry workers, National

Compensation Survey, 2011

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

All workers ............................................................... 1.4 $0 $44 $0 $307 $0 1.4 0.3

Worker characteristic

Management, professional, and related .................. 2.1 0 265 0 78 0 2.1 0.3

Management, business, and financial ................. 2.3 0 147 0 0 0 2.2 0.3

Professional and related ...................................... 3.0 0 114 0 301 0 3.0 0.5

Service ..................................................................... 5.2 0 48 98 0 196 – –

Protective service ................................................ 0.6 0 – 200 83 – – –

Sales and office ....................................................... 2.3 0 0 0 0 0 2.3 0.5

Sales and related ................................................. 2.5 0 0 0 34 240 2.6 0.9

Office and administrative support ........................ 3.1 0 59 0 0 0 3.1 0.3

Natural resources, construction, and maintenance 3.4 69 180 0 124 184 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 2.3 68 156 0 295 0 2.2 0.3

Installation, maintenance, and repair ................... 5.6 – 20 0 0 42 – –

Production, transportation, and material moving ..... 1.6 0 0 0 275 0 1.3 0.8

Production ............................................................ 1.6 0 0 49 221 0 1.5 0.5

Transportation and material moving .................... 2.4 0 39 0 426 0 2.0 1.7

Full time ................................................................... 1.3 0 28 0 303 0 1.4 0.3

Part time .................................................................. 4.6 39 49 0 279 0 4.6 0.5

Union ....................................................................... 4.0 0 0 39 0 0 4.0 0.1

Nonunion ................................................................. 1.3 0 0 0 0 0 1.3 0.4

Average wage within the following categories:2

Lowest 25 percent ............................................... 3.1 69 20 290 20 102 – –

Lowest 10 percent ........................................... 6.0 – 0 0 234 – – –

Second 25 percent ............................................... 3.5 0 0 237 0 0 3.6 0.5

Third 25 percent ................................................... 1.8 0 0 0 274 0 1.8 0.7

Highest 25 percent ............................................... 1.5 0 67 0 51 0 1.5 0.2

Highest 10 percent ........................................... 2.0 0 201 0 0 85 2.1 0.1

Establishment characteristic

Goods-producing industries ..................................... 1.0 0 0 0 316 0 1.1 0.4

Construction ......................................................... 5.3 – 0 0 344 0 – –

Manufacturing ...................................................... 1.2 0 0 0 371 0 – –

Service-providing industries ..................................... 1.7 0 118 0 279 0 1.8 0.4

Trade, transportation, and utilities ....................... 2.4 0 44 91 0 0 2.5 1.2

Wholesale trade ............................................... 5.4 0 44 0 69 203 – –

Retail trade ...................................................... 3.7 – 0 0 0 234 3.8 1.2

Transportation and warehousing ..................... 3.3 0 – 0 0 139 – –

Utilities ............................................................. 1.9 0 51 69 301 310 – –

Information ........................................................... 2.5 55 0 0 0 747 2.5 0.6

Financial activities ................................................ 3.0 0 – 0 341 225 2.9 0.7

Finance and insurance .................................... 1.9 0 0 0 98 251 1.8 0.9

See footnotes at end of table.
Table 45. Standard errors for dental care benefits: Amount of annual plan maximum,1

 private industry workers, National

Compensation Survey, 2011—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 .. 2.3 $0 $287 $0 – – 1.8 1.5

Insurance carriers and related activities ...... 2.1 0 0 0 $0 $0 – –

Professional and business services ..................... 4.2 0 255 0 169 0 4.2 –

Professional and technical services ................. 6.0 189 0 0 0 0 – –

Administrative and waste services ................... 11.5 0 – 0 0 – 11.5 –

Education and health services ............................. 4.1 0 39 85 0 0 – –

Educational services ........................................ 5.4 0 0 0 243 0 3.6 5.6

Junior colleges, colleges, and universities ... 3.8 0 221 0 166 – – –

Healthcare and social assistance .................... 4.5 0 111 185 0 0 – –

Leisure and hospitality ......................................... 1.9 – – 69 – 98 – –

Accommodation and food services .................. 1.0 – – 170 0 – – –

1 to 99 workers ........................................................ 2.6 0 0 0 254 0 2.6 0.7

1 to 49 workers .................................................... 3.3 0 0 0 473 85 3.2 1.2

50 to 99 workers .................................................. 4.1 0 214 0 136 0 – –

100 workers or more ................................................ 1.4 0 65 0 296 0 1.5 0.3

100 to 499 workers .............................................. 2.0 0 139 0 39 0 1.9 0.7

500 workers or more ............................................ 2.3 0 46 0 161 0 2.3 0.2

Geographic area

New England ........................................................... 4.2 0 0 306 0 0 – –

Middle Atlantic ......................................................... 1.5 0 0 0 389 139 1.9 0.6

East North Central ................................................... 1.5 0 20 0 0 147 1.5 3 ( )

West North Central .................................................. 2.7 0 178 0 574 0 – –

South Atlantic ........................................................... 4.9 0 106 0 0 0 5.1 0.3

East South Central ................................................... 3.9 – 0 153 0 0 – –

West South Central .................................................. 1.7 0 107 0 223 214 – –

Mountain .................................................................. 2.9 0 135 0 327 170 – –

Pacific ...................................................................... 4.8 0 118 0 0 506 4.8 3 ( )

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 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are

based on the estimates published in the "National Compensation Survey: Occupational Earnings

in the United States, 2010." See Technical Note for more details. 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/glossary20112012.htm.
Table 46. Vision care benefits1

: Coverage for selected services, private industry

workers, National Compensation Survey, 2011

(All workers participating in vision care plans = 100 percent)

Characteristics Eye exams Glasses Contact

lenses2 Lasik surgery

All workers ............................................................... 100 100 95 16

Worker characteristic

Management, professional, and related .................. 100 100 97 18

Management, business, and financial ................. 100 100 99 20

Professional and related ...................................... 100 100 95 16

Service ..................................................................... 100 99 93 7

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

Sales and office ....................................................... 100 100 92 23

Sales and related ................................................. 100 100 87 17

Office and administrative support ........................ 100 100 94 25

Natural resources, construction, and maintenance 100 100 98 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 100 98 –

Installation, maintenance, and repair ................... 100 100 98 23

Production, transportation, and material moving ..... 100 100 93 14

Production ............................................................ 100 100 95 18

Transportation and material moving .................... 100 100 91 –

Full time ................................................................... 100 100 96 17

Part time .................................................................. 100 100 82 –

Union ....................................................................... 100 100 91 14

Nonunion ................................................................. 100 100 96 17

Average wage within the following categories:3

Lowest 25 percent ............................................... 100 100 92 –

Second 25 percent ............................................... 100 100 91 17

Third 25 percent ................................................... 100 100 95 17

Highest 25 percent ............................................... 100 100 97 19

Highest 10 percent ........................................... 100 100 98 21

Establishment characteristic

Goods-producing industries ..................................... 100 100 97 12

Construction ......................................................... 100 100 98 –

Manufacturing ...................................................... 100 100 97 17

Service-providing industries ..................................... 100 100 94 17

Trade, transportation, and utilities ....................... 100 100 86 15

Wholesale trade ............................................... 100 100 96 –

Retail trade ...................................................... 100 100 72 –

Transportation and warehousing ..................... 100 100 98 –

Information ........................................................... 100 100 100 33

Financial activities ................................................ 100 100 97 42

Finance and insurance .................................... 100 100 99 54

See footnotes at end of table.
Table 46. Vision care benefits1

: Coverage for selected services, private industry

workers, National Compensation Survey, 2011—Continued

(All workers participating in vision care plans = 100 percent)

Characteristics Eye exams Glasses Contact

lenses2 Lasik surgery

Credit intermediation and related activities .. 100 100 98 65

Insurance carriers and related activities ...... 100 100 100 34

Professional and business services ..................... 100 100 99 –

Professional and technical services ................. 100 100 100 –

Administrative and waste services ................... 100 100 98 –

Education and health services ............................. 100 99 92 10

Educational services ........................................ 100 100 82 –

Junior colleges, colleges, and universities ... 100 100 83 –

Healthcare and social assistance .................... 100 99 93 –

1 to 99 workers ........................................................ 100 100 97 12

1 to 49 workers .................................................... 100 100 95 14

50 to 99 workers .................................................. 100 100 99 9

100 workers or more ................................................ 100 100 94 19

100 to 499 workers .............................................. 100 100 92 12

500 workers or more ............................................ 100 100 95 24

Geographic area

New England ........................................................... 100 100 99 46

Middle Atlantic ......................................................... 100 100 89 13

East North Central ................................................... 100 100 92 –

West North Central .................................................. 100 100 99 –

South Atlantic ........................................................... 100 100 95 21

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

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

Mountain .................................................................. 100 100 98 15

Pacific ...................................................................... 100 99 96 11

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 The categories are based on the average wage for each

occupation surveyed, which may include workers with

earnings both above and below the threshold. The average

wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 46. Standard errors for vision care benefits1

: Coverage for selected

services, private industry workers, National Compensation Survey, 2011

Characteristics Eye exams Glasses Contact

lenses2 Lasik surgery

All workers ............................................................... 3 ( ) 0.1 0.9 1.8

Worker characteristic

Management, professional, and related .................. 3 ( ) 0.1 1.2 2.7

Management, business, and financial ................. 3 ( ) 3 ( ) 0.2 4.2

Professional and related ...................................... 3 ( ) 0.2 2.0 3.0

Service ..................................................................... 3 ( ) 0.5 2.4 2.0

Protective service ................................................ 3 ( ) 3 ( ) 3 ( ) –

Sales and office ....................................................... 3 ( ) 3 ( ) 2.3 3.4

Sales and related ................................................. 3 ( ) 3 ( ) 4.7 4.7

Office and administrative support ........................ 3 ( ) 0.1 1.7 4.0

Natural resources, construction, and maintenance 3 ( ) 3 ( ) 0.8 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 3 ( ) 3 ( ) 1.1 –

Installation, maintenance, and repair ................... 3 ( ) 3 ( ) 1.2 6.8

Production, transportation, and material moving ..... 3 ( ) 3 ( ) 2.0 3.6

Production ............................................................ 3 ( ) 3 ( ) 1.9 5.3

Transportation and material moving .................... 3 ( ) 3 ( ) 3.2 –

Full time ................................................................... 3 ( ) 0.1 0.8 1.9

Part time .................................................................. 3 ( ) 3 ( ) 6.0 –

Union ....................................................................... 3 ( ) 0.1 2.5 3.0

Nonunion ................................................................. 3 ( ) 0.1 0.9 2.3

Average wage within the following categories:4

Lowest 25 percent ............................................... 3 ( ) 0.2 3.0 –

Second 25 percent ............................................... 3 ( ) 0.2 2.6 3.1

Third 25 percent ................................................... 3 ( ) 0.1 1.2 2.3

Highest 25 percent ............................................... 3 ( ) 0.1 0.7 2.4

Highest 10 percent ........................................... 3 ( ) 0.1 1.0 3.4

Establishment characteristic

Goods-producing industries ..................................... 3 ( ) 3 ( ) 1.1 3.1

Construction ......................................................... 3 ( ) 3 ( ) 1.4 –

Manufacturing ...................................................... 3 ( ) 3 ( ) 1.5 4.5

Service-providing industries ..................................... 3 ( ) 0.1 1.2 2.2

Trade, transportation, and utilities ....................... 3 ( ) 3 ( ) 3.9 4.2

Wholesale trade ............................................... 3 ( ) 3 ( ) 2.5 –

Retail trade ...................................................... 3 ( ) 3 ( ) 7.2 –

Transportation and warehousing ..................... 3 ( ) 3 ( ) 1.9 –

Information ........................................................... 3 ( ) 3 ( ) 3 ( ) 7.7

Financial activities ................................................ 3 ( ) 3 ( ) 2.0 6.4

Finance and insurance .................................... 3 ( ) 3 ( ) 0.9 6.0

See footnotes at end of table.
Table 46. Standard errors for vision care benefits1

: Coverage for selected

services, private industry workers, National Compensation Survey,

2011—Continued

Characteristics Eye exams Glasses Contact

lenses2 Lasik surgery

Credit intermediation and related activities .. 3 ( ) 3 ( ) 1.7 7.4

Insurance carriers and related activities ...... 3 ( ) 3 ( ) 3 ( ) 8.6

Professional and business services ..................... 3 ( ) 3 ( ) 0.6 –

Professional and technical services ................. 3 ( ) 3 ( ) 3 ( ) –

Administrative and waste services ................... 3 ( ) 3 ( ) 2.4 –

Education and health services ............................. 3 ( ) 0.4 3.3 2.6

Educational services ........................................ 3 ( ) 3 ( ) 5.6 –

Junior colleges, colleges, and universities ... 3 ( ) 3 ( ) 3.0 –

Healthcare and social assistance .................... 3 ( ) 0.5 3.6 –

1 to 99 workers ........................................................ 3 ( ) 0.2 1.1 2.0

1 to 49 workers .................................................... 3 ( ) 0.3 2.0 2.4

50 to 99 workers .................................................. 3 ( ) 3 ( ) 0.5 2.7

100 workers or more ................................................ 3 ( ) 0.1 1.4 2.5

100 to 499 workers .............................................. 3 ( ) 3 ( ) 2.9 3.1

500 workers or more ............................................ 3 ( ) 0.2 1.6 3.4

Geographic area

New England ........................................................... 3 ( ) 3 ( ) 0.8 10.3

Middle Atlantic ......................................................... 3 ( ) 3 ( ) 3.3 3.7

East North Central ................................................... 3 ( ) 3 ( ) 2.1 –

West North Central .................................................. 3 ( ) 3 ( ) 0.6 –

South Atlantic ........................................................... 3 ( ) 3 ( ) 3.4 5.3

East South Central ................................................... 3 ( ) 3 ( ) 0.1 –

West South Central .................................................. 3 ( ) 3 ( ) 0.4 –

Mountain .................................................................. 3 ( ) 3 ( ) 1.7 4.5

Pacific ...................................................................... 3 ( ) 0.3 1.3 1.8

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 The categories are based on the average wage for each

occupation surveyed, which may include workers with

earnings both above and below the threshold. The average

wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2010." See Technical Note for more details.

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/glossary20112012.htm.
Table 47. Vision care benefits: Extent of coverage for selected services, private industry workers, National

Compensation Survey, 2011

(All workers participating in vision care plans = 100 percent)

Characteristics

Eye exams Glasses

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 13 87 – – 4 96 – –

Worker characteristic

Management, professional, and related .................. 13 87 – – – 99 – –

Management, business, and financial ................. – 93 – – – 99 – –

Professional and related ...................................... 16 84 – – – 98 – –

Service ..................................................................... – 94 – – – 93 – –

Protective service ................................................ – 89 – – – 98 – –

Sales and office ....................................................... – 87 – – – 95 – –

Sales and related ................................................. – 86 – – – 87 – –

Office and administrative support ........................ – 88 – – – 97 – –

Natural resources, construction, and maintenance – 92 – – – 99 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 98 – – – 99 – –

Installation, maintenance, and repair ................... – 86 – – – 99 – –

Production, transportation, and material moving ..... 21 79 – – 7 93 – –

Production ............................................................ 18 82 – – – 100 – –

Transportation and material moving .................... 24 76 – – 13 87 – –

Full time ................................................................... 12 88 – – 3 97 – –

Part time .................................................................. – 84 – – – 85 – –

Union ....................................................................... 19 81 – – 10 90 – –

Nonunion ................................................................. 11 89 – – 2 98 – –

Average wage within the following categories:4

Lowest 25 percent ............................................... – 88 – – – 91 – –

Second 25 percent ............................................... 14 86 – – – 93 – –

Third 25 percent ................................................... 15 85 – – – 97 – –

Highest 25 percent ............................................... 11 89 – – 2 98 – –

Highest 10 percent ........................................... – 87 – – – 99 – –

Establishment characteristic

Goods-producing industries ..................................... 17 83 – – – 99 – –

Construction ......................................................... – 99 – – – 100 – –

Manufacturing ...................................................... 26 74 – – – 99 – –

Service-providing industries ..................................... 12 88 – – 4 95 – –

Trade, transportation, and utilities ....................... 20 80 – – 17 83 – –

Wholesale trade ............................................... – 96 – – – 96 – –

Retail trade ...................................................... 29 71 – – 27 73 – –

Transportation and warehousing ..................... – 81 – – – 87 – –

Information ........................................................... – 100 – – – 99 – –

Financial activities ................................................ – 94 – – – 99 – –

Finance and insurance .................................... – 93 – – – 99 – –

See footnotes at end of table.
Table 47. Vision care benefits: Extent of coverage for selected services,

private industry workers, National Compensation Survey, 2011—Continued

(All workers participating in vision care plans = 100 percent)

Characteristics

Contact lenses2

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 2 93 4 1

Worker characteristic

Management, professional, and related .................. – 95 – 3 ( )

Management, business, and financial ................. – 97 – 3 ( )

Professional and related ...................................... – 93 – 1

Service ..................................................................... – 92 – 2

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

Sales and office ....................................................... – 89 – 2

Sales and related ................................................. – 81 – 3

Office and administrative support ........................ – 93 – 1

Natural resources, construction, and maintenance – 97 – 1

Construction, extraction, farming, fishing, and

forestry ............................................................... – 98 – 3 ( )

Installation, maintenance, and repair ................... – 97 – 1

Production, transportation, and material moving ..... – 90 – 3

Production ............................................................ – 94 – 4

Transportation and material moving .................... – 85 – 2

Full time ................................................................... 2 94 3 1

Part time .................................................................. – 81 – 1

Union ....................................................................... – 90 9 –

Nonunion ................................................................. 3 94 2 2

Average wage within the following categories:4

Lowest 25 percent ............................................... – 89 – 1

Second 25 percent ............................................... – 89 – 2

Third 25 percent ................................................... – 92 3 –

Highest 25 percent ............................................... 2 95 2 1

Highest 10 percent ........................................... – 97 – 3 ( )

Establishment characteristic

Goods-producing industries ..................................... – 94 – 2

Construction ......................................................... – 98 – –

Manufacturing ...................................................... – 92 – 3

Service-providing industries ..................................... 2 92 4 1

Trade, transportation, and utilities ....................... – 82 – 2

Wholesale trade ............................................... – 96 – –

Retail trade ...................................................... – 66 24 –

Transportation and warehousing ..................... – 91 – 3 ( )

Information ........................................................... – 97 – –

Financial activities ................................................ – 91 – 3

Finance and insurance .................................... – 92 – 3 ( )

See footnotes at end of table.
Table 47. Vision care benefits: Extent of coverage for selected services, private industry workers, National

Compensation Survey, 2011—Continued

(All workers participating in vision care plans = 100 percent)

Characteristics

Eye exams Glasses

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 96 – – – 100 – –

Insurance carriers and related activities ...... – 97 – – – 100 – –

Professional and business services ..................... – 96 – – – 100 – –

Professional and technical services ................. – 99 – – – 100 – –

Administrative and waste services ................... – 92 – – – 100 – –

Education and health services ............................. – 80 – – – 98 – –

Educational services ........................................ 13 87 – – – 93 – –

Junior colleges, colleges, and universities ... – 86 – – – 98 – –

Healthcare and social assistance .................... – 79 – – – 99 – –

1 to 99 workers ........................................................ – 94 – – – 98 – –

1 to 49 workers .................................................... – 95 – – – 97 – –

50 to 99 workers .................................................. – 94 – – – 99 – –

100 workers or more ................................................ 17 83 – – – 95 – –

100 to 499 workers .............................................. 11 89 – – – 93 – –

500 workers or more ............................................ 21 79 – – – 97 – –

Geographic area

New England ........................................................... – 91 – – – 98 – –

Middle Atlantic ......................................................... – 72 – – – 94 – –

East North Central ................................................... 9 91 – – – 94 – –

West North Central .................................................. – 96 – – – 100 – –

South Atlantic ........................................................... 14 86 – – – 95 – –

East South Central ................................................... – 88 – – – 95 – –

West South Central .................................................. – 97 – – – 99 – –

Mountain .................................................................. 4 96 – – – 100 – –

Pacific ...................................................................... – 89 – – – 97 – –

See footnotes at end of table.
Table 47. Vision care benefits: Extent of coverage for selected services,

private industry workers, National Compensation Survey, 2011—Continued

(All workers participating in vision care plans = 100 percent)

Characteristics

Contact lenses2

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 91 – 3 ( )

Insurance carriers and related activities ...... – 95 – 3 ( )

Professional and business services ..................... – 99 – 1

Professional and technical services ................. – 99 – 3 ( )

Administrative and waste services ................... – 98 – 2

Education and health services ............................. – 90 – 2

Educational services ........................................ – 77 – 3 ( )

Junior colleges, colleges, and universities ... – 81 17 –

Healthcare and social assistance .................... – 92 – 2

1 to 99 workers ........................................................ – 94 2 –

1 to 49 workers .................................................... – 91 – 3

50 to 99 workers .................................................. – 97 – 3 ( )

100 workers or more ................................................ 2 92 5 1

100 to 499 workers .............................................. – 91 – 1

500 workers or more ............................................ – 93 – 1

Geographic area

New England ........................................................... – 92 – 3 ( )

Middle Atlantic ......................................................... – 86 9 –

East North Central ................................................... – 89 – 4

West North Central .................................................. – 97 – 3 ( )

South Atlantic ........................................................... – 94 – 1

East South Central ................................................... – 85 – 3 ( )

West South Central .................................................. – 99 – –

Mountain .................................................................. – 97 – 3 ( )

Pacific ...................................................................... – 95 – 1

1 Includes plans subject to copayment, cash

allowances, and 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 0.5. 4 The categories are based on the average wage for

each occupation surveyed, which may include workers with

earnings both above and below the threshold. The average

wages are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in

the United States, 2010." See Technical Note for more

details.

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/glossary20112012.htm.
Table 47. Standard errors for vision care benefits: Extent of coverage for selected services, private industry workers,

National Compensation Survey, 2011

Characteristics

Eye exams Glasses

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 2.2 2.2 – – 1.0 1.0 – –

Worker characteristic

Management, professional, and related .................. 3.3 3.3 – – – 0.5 – –

Management, business, and financial ................. – 2.3 – – – 0.3 – –

Professional and related ...................................... 4.8 4.8 – – – 0.8 – –

Service ..................................................................... – 2.5 – – – 3.7 – –

Protective service ................................................ – 5.9 – – – 1.7 – –

Sales and office ....................................................... – 4.1 – – – 2.3 – –

Sales and related ................................................. – 4.9 – – – 4.9 – –

Office and administrative support ........................ – 4.9 – – – 1.5 – –

Natural resources, construction, and maintenance – 3.3 – – – 1.0 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 1.3 – – – 0.7 – –

Installation, maintenance, and repair ................... – 5.7 – – – 1.2 – –

Production, transportation, and material moving ..... 3.2 3.2 – – 2.0 2.0 – –

Production ............................................................ 3.0 3.0 – – – 3 () – –

Transportation and material moving .................... 4.8 4.8 – – 3.8 3.8 – –

Full time ................................................................... 2.4 2.4 – – 0.8 0.8 – –

Part time .................................................................. – 6.0 – – – 6.0 – –

Union ....................................................................... 4.4 4.4 – – 3.0 3.0 – –

Nonunion ................................................................. 2.3 2.3 – – 0.5 0.5 – –

Average wage within the following categories:4

Lowest 25 percent ............................................... – 4.4 – – – 3.3 – –

Second 25 percent ............................................... 3.5 3.5 – – – 2.7 – –

Third 25 percent ................................................... 3.4 3.4 – – – 1.0 – –

Highest 25 percent ............................................... 2.4 2.4 – – 0.6 0.6 – –

Highest 10 percent ........................................... – 3.8 – – – 0.3 – –

Establishment characteristic

Goods-producing industries ..................................... 4.0 4.0 – – – 0.5 – –

Construction ......................................................... – 1.0 – – – 3 () – –

Manufacturing ...................................................... 5.3 5.3 – – – 0.8 – –

Service-providing industries ..................................... 2.6 2.6 – – 1.3 1.3 – –

Trade, transportation, and utilities ....................... 4.4 4.4 – – 4.3 4.3 – –

Wholesale trade ............................................... – 2.5 – – – 2.5 – –

Retail trade ...................................................... 7.5 7.5 – – 7.7 7.7 – –

Transportation and warehousing ..................... – 6.0 – – – 4.9 – –

Information ........................................................... – 3 ( ) – – –0.8– –

Financial activities ................................................ – 2.5 – – – 0.2 – –

Finance and insurance .................................... – 2.7 – – – 0.3 – –

See footnotes at end of table.
Table 47. Standard errors for vision care benefits: Extent of coverage for

selected services, private industry workers, National Compensation Survey,

2011—Continued

Characteristics

Contact lenses2

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.5 1.0 0.8 0.4

Worker characteristic

Management, professional, and related .................. – 1.3 – 0.3

Management, business, and financial ................. – 1.3 – 0.1

Professional and related ...................................... – 2.0 – 0.4

Service ..................................................................... – 2.6 – 1.5

Protective service ................................................ – 3 () – –

Sales and office ....................................................... – 2.5 – 0.9

Sales and related ................................................. – 5.1 – 1.9

Office and administrative support ........................ – 1.8 – 0.7

Natural resources, construction, and maintenance – 0.9 – 0.6

Construction, extraction, farming, fishing, and

forestry ............................................................... – 1.1 – 0.3

Installation, maintenance, and repair ................... – 1.5 – 1.1

Production, transportation, and material moving ..... – 2.5 – 1.1

Production ............................................................ – 2.3 – 1.9

Transportation and material moving .................... – 4.1 – 1.2

Full time ................................................................... 0.5 0.9 0.6 0.4

Part time .................................................................. – 6.0 – 0.8

Union ....................................................................... – 2.4 2.5 –

Nonunion ................................................................. 0.6 1.1 0.6 0.5

Average wage within the following categories:4

Lowest 25 percent ............................................... – 3.1 – 0.9

Second 25 percent ............................................... – 2.8 – 1.2

Third 25 percent ................................................... – 1.5 0.9 –

Highest 25 percent ............................................... 0.5 0.8 0.6 0.3

Highest 10 percent ........................................... – 0.7 – 0.3

Establishment characteristic

Goods-producing industries ..................................... – 1.9 – 1.0

Construction ......................................................... – 1.4 – –

Manufacturing ...................................................... – 2.8 – 1.5

Service-providing industries ..................................... 0.4 1.3 1.1 0.5

Trade, transportation, and utilities ....................... – 4.2 – 1.2

Wholesale trade ............................................... – 2.5 – –

Retail trade ...................................................... – 7.7 7.2 –

Transportation and warehousing ..................... – 3.0 – 0.3

Information ........................................................... – 1.9 – –

Financial activities ................................................ – 2.3 – 2.5

Finance and insurance .................................... – 1.9 – 0.1

See footnotes at end of table.
Table 47. Standard errors for vision care benefits: Extent of coverage for selected services, private industry workers,

National Compensation Survey, 2011—Continued

Characteristics

Eye exams Glasses

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 2.1 – – – 3 () – –

Insurance carriers and related activities ...... – 2.9 – – – 3 () – –

Professional and business services ..................... – 2.8 – – – 3 () – –

Professional and technical services ................. – 0.9 – – – 3 () – –

Administrative and waste services ................... – 10.3 – – – 3 () – –

Education and health services ............................. – 8.1 – – – 0.9 – –

Educational services ........................................ 4.0 4.0 – – – 5.4 – –

Junior colleges, colleges, and universities ... – 4.6 – – – 1.0 – –

Healthcare and social assistance .................... – 8.9 – – – 0.5 – –

1 to 99 workers ........................................................ – 2.4 – – – 0.9 – –

1 to 49 workers .................................................... – 2.3 – – – 1.5 – –

50 to 99 workers .................................................. – 4.3 – – – 0.9 – –

100 workers or more ................................................ 3.4 3.4 – – – 1.5 – –

100 to 499 workers .............................................. 3.2 3.2 – – – 3.0 – –

500 workers or more ............................................ 5.2 5.2 – – – 1.3 – –

Geographic area

New England ........................................................... – 7.5 – – – 0.3 – –

Middle Atlantic ......................................................... – 9.8 – – – 3.4 – –

East North Central ................................................... 2.7 2.7 – – – 2.5 – –

West North Central .................................................. – 1.8 – – – 3 () – –

South Atlantic ........................................................... 2.1 2.1 – – – 3.4 – –

East South Central ................................................... – 4.4 – – – 3.6 – –

West South Central .................................................. – 2.3 – – – 0.7 – –

Mountain .................................................................. 1.3 1.3 – – – 0.4 – –

Pacific ...................................................................... – 3.9 – – – 1.5 – –

See footnotes at end of table.
Table 47. Standard errors for vision care benefits: Extent of coverage for

selected services, private industry workers, National Compensation Survey,

2011—Continued

Characteristics

Contact lenses2

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Credit intermediation and related activities .. – 2.9 – 0.2

Insurance carriers and related activities ...... – 3.0 – 3 ( )

Professional and business services ..................... – 0.8 – 0.6

Professional and technical services ................. – 0.9 – 3 ( )

Administrative and waste services ................... – 2.4 – 2.4

Education and health services ............................. – 3.4 – 1.0

Educational services ........................................ – 5.4 – 0.2

Junior colleges, colleges, and universities ... – 3.2 2.9 –

Healthcare and social assistance .................... – 3.5 – 1.1

1 to 99 workers ........................................................ – 1.8 0.4 –

1 to 49 workers .................................................... – 3.0 – 1.7

50 to 99 workers .................................................. – 1.1 – 0.1

100 workers or more ................................................ 0.5 1.4 1.3 0.4

100 to 499 workers .............................................. – 3.0 – 0.7

500 workers or more ............................................ – 1.6 – 0.5

Geographic area

New England ........................................................... – 0.6 – 0.1

Middle Atlantic ......................................................... – 3.8 2.3 –

East North Central ................................................... – 2.2 – 1.7

West North Central .................................................. – 1.5 – 0.2

South Atlantic ........................................................... – 3.4 – 0.8

East South Central ................................................... – 7.2 – 0.1

West South Central .................................................. – 0.5 – –

Mountain .................................................................. – 2.4 – 0.2

Pacific ...................................................................... – 1.3 – 0.6

1 Includes plans subject to copayment, cash

allowances, and 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 The categories are based on the average wage for

each occupation surveyed, which may include workers with

earnings both above and below the threshold. The average

wages are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in

the United States, 2010." See Technical Note for more

details.

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/glossary20112012.htm.
Table 48. Vision care benefits1

: Median copayments for selected services,

private industry workers, National Compensation Survey, 2011

(Includes all workers participating in vision care plans)

Characteristics Eye exams Glasses Contact lenses2

All workers ............................................................... – $25 $25

Worker characteristic

Management, professional, and related .................. – 20 25

Management, business, and financial ................. – 20 20

Professional and related ...................................... – 25 25

Service ..................................................................... – 25 –

Protective service ................................................ $10 20 –

Sales and office ....................................................... 10 25 25

Sales and related ................................................. 10 – 25

Office and administrative support ........................ 10 25 25

Natural resources, construction, and maintenance – 25 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 10 20 20

Installation, maintenance, and repair ................... – 25 –

Production, transportation, and material moving ..... – 20 25

Production ............................................................ 10 20 –

Transportation and material moving .................... 15 25 25

Full time ................................................................... – 25 25

Part time .................................................................. 10 25 –

Union ....................................................................... 15 20 –

Nonunion ................................................................. 10 25 25

Average wage within the following categories:3

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

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

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

Highest 25 percent ............................................... 10 25 25

Highest 10 percent ........................................... 10 25 25

Establishment characteristic

Goods-producing industries ..................................... 10 20 25

Construction ......................................................... 10 25 25

Manufacturing ...................................................... 10 20 –

Service-providing industries ..................................... – 25 25

Trade, transportation, and utilities ....................... 15 25 25

Wholesale trade ............................................... – 25 –

Retail trade ...................................................... – 25 –

Transportation and warehousing ..................... 15 20 –

Information ........................................................... – 20 25

Financial activities ................................................ 10 20 –

Finance and insurance .................................... 10 – 20

See footnotes at end of table.
Table 48. Vision care benefits1

: Median copayments for selected services,

private industry workers, National Compensation Survey, 2011—Continued

(Includes all workers participating in vision care plans)

Characteristics Eye exams Glasses Contact lenses2

Credit intermediation and related activities .. $10 $25 –

Insurance carriers and related activities ...... 10 – –

Professional and business services ..................... 15 25 –

Professional and technical services ................. 20 20 –

Administrative and waste services ................... – 25 –

Education and health services ............................. 10 25 –

Educational services ........................................ – 25 –

Junior colleges, colleges, and universities ... – – $10

Healthcare and social assistance .................... 10 25 –

1 to 99 workers ........................................................ – 25 25

1 to 49 workers .................................................... 10 25 25

50 to 99 workers .................................................. – 25 –

100 workers or more ................................................ – 20 25

100 to 499 workers .............................................. – 20 20

500 workers or more ............................................ 10 25 25

Geographic area

New England ........................................................... 10 15 25

Middle Atlantic ......................................................... 10 20 25

East North Central ................................................... 10 25 –

West North Central .................................................. 10 25 –

South Atlantic ........................................................... – 20 –

East South Central ................................................... – 25 20

West South Central .................................................. – 20 25

Mountain .................................................................. 10 25 25

Pacific ...................................................................... 15 25 25

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 The categories are based on the average wage for

each occupation surveyed, which may include workers

with earnings both above and below the threshold. The

average wages are based on the estimates published in

the "National Compensation Survey: Occupational

Earnings in the United States, 2010." See Technical Note

for more details.

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/glossary20112012.htm.
Table 48. Standard errors for vision care benefits1

: Median copayments for

selected services, private industry workers, National Compensation Survey,

2011

Characteristics Eye exams Glasses Contact lenses2

All workers ............................................................... – $5 $0

Worker characteristic

Management, professional, and related .................. – 4 2

Management, business, and financial ................. – 0 5

Professional and related ...................................... – 6 0

Service ..................................................................... – 0 –

Protective service ................................................ $0 0 –

Sales and office ....................................................... 0 6 0

Sales and related ................................................. 0 – 0

Office and administrative support ........................ 3 5 0

Natural resources, construction, and maintenance – 0 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 1 4 4

Installation, maintenance, and repair ................... – 4 –

Production, transportation, and material moving ..... – 5 6

Production ............................................................ 0 6 –

Transportation and material moving .................... 0 7 1

Full time ................................................................... – 7 0

Part time .................................................................. 2 0 –

Union ....................................................................... 2 5 –

Nonunion ................................................................. 2 5 0

Average wage within the following categories:3

Lowest 25 percent ............................................... – 2 –

Second 25 percent ............................................... – 7 0

Third 25 percent ................................................... – – 0

Highest 25 percent ............................................... 1 7 0

Highest 10 percent ........................................... 1 6 2

Establishment characteristic

Goods-producing industries ..................................... 0 0 3

Construction ......................................................... 0 4 7

Manufacturing ...................................................... 0 0 –

Service-providing industries ..................................... – 3 0

Trade, transportation, and utilities ....................... 3 4 0

Wholesale trade ............................................... – 0 –

Retail trade ...................................................... – 4 –

Transportation and warehousing ..................... 0 0 –

Information ........................................................... – 2 0

Financial activities ................................................ 1 6 –

Finance and insurance .................................... 0 – 3

See footnotes at end of table.
Table 48. Standard errors for vision care benefits1

: Median copayments for

selected services, private industry workers, National Compensation Survey,

2011—Continued

Characteristics Eye exams Glasses Contact lenses2

Credit intermediation and related activities .. $0 $6 –

Insurance carriers and related activities ...... 0 – –

Professional and business services ..................... 4 3 –

Professional and technical services ................. 3 3 –

Administrative and waste services ................... – 0 –

Education and health services ............................. 1 4 –

Educational services ........................................ – 0 –

Junior colleges, colleges, and universities ... – – $0

Healthcare and social assistance .................... 1 5 –

1 to 99 workers ........................................................ – 0 0

1 to 49 workers .................................................... 0 0 0

50 to 99 workers .................................................. – 0 –

100 workers or more ................................................ – 1 3

100 to 499 workers .............................................. – 0 6

500 workers or more ............................................ 1 6 3

Geographic area

New England ........................................................... 0 0 0

Middle Atlantic ......................................................... 0 3 0

East North Central ................................................... 0 4 –

West North Central .................................................. 0 6 –

South Atlantic ........................................................... – 1 –

East South Central ................................................... – 7 6

West South Central .................................................. – 3 6

Mountain .................................................................. 2 0 0

Pacific ...................................................................... 1 3 2

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 The categories are based on the average wage for

each occupation surveyed, which may include workers

with earnings both above and below the threshold. The

average wages are based on the estimates published in

the "National Compensation Survey: Occupational

Earnings in the United States, 2010." See Technical Note

for more details.

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/glossary20112012.htm.
Technical note 

Data in this bulletin are from the National Compensation Survey (NCS), which is conducted by the U.S. Bureau 

of Labor Statistics (BLS). The bulletin contains data on detailed provisions of employer-provided health benefit 

plans for private industry workers in the United States. Excluded from the survey are federal government 

workers, state and local government workers, the military, agricultural workers, private household workers, 

aircraft manufacturing workers, and workers who are self-employed. Previous publications containing 

information on employee benefits for civilian, private industry, and state and local government workers are 

available on the BLS website: http://www.bls.gov/ncs/ebs. 

Calculation details 

For data presented by wage category, average hourly earnings for 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 hourly wage percentiles published in National Compensation Survey: 

Occupational Earnings in the United States, 2010, (http://www.bls.gov/ncs/ncswage2010.htm), Bulletin 2753. 

The hourly wage percentiles used to form the wage categories are unchanged from the 2009 bulletin since the 

occupational earnings used for the percentile values are no longer published. Updated percentiles from a 

different survey will be used to form the wage categories in future publications. 

The percentiles were computed using earnings reported for individual workers in sampled establishment jobs 

and their scheduled hours of work. Establishments in the survey may report only individual worker earnings for 

each sampled job. For the calculation of the hourly percentile values, the individual worker hourly earnings are 

appropriately weighted and arrayed from lowest to highest. The values corresponding to the percentiles are: 

Characteristic 

Hourly wage percentile 

10 25 50 (median) 75 90 

Private industry workers $8.25 $10.69 $15.87 $24.81 $37.89 

The lowest 10 percent and 25 percent wage categories include those occupations with an average hourly wage 

less than the 10th percentile value and 25th percentile value, respectively. The second 25 percent category 

includes those occupations that make at or above the 25th percentile value but less than the 50th percentile 

value. The third 25 percent category includes those occupations that make 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." The reasons for 

this classification may vary. In detailed provisions of employer-provided health care plans, the "not 

determinable" classification is used whenever only partial 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 one of the tables, workers are classified as participating in 

four types of fee-for-service plans. Those workers that were known to be participating 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 in the "not determinable" category. 

Another situation in which the "not determinable" classification may be used is when workers are participating 

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 that make up the base of 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 in the "not determinable" category. 

Interpreting the tables 

The set of workers that represent the base, or 100 percent in the table, is indicated by the statement directly 

under each table’s title. For example, the statement may say, “All workers participating in medical care plans = 

100 percent,” or “All workers participating in fee-for-service plans = 100 percent.” All estimates shown in the 

table are based on the set of workers specified in statements underneath the table title and on any subsets 

indicated by column headers. 

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. For example, estimates might provide both the type and dollar amount 

of annual individual deductibles in fee-for-service plans. The base of this table is all workers participating in 

fee-for-service plans. The non-shaded estimates are percentages of workers by the type of deductible (for 

example, fixed deductible or variable deductible). Shaded estimates are those that measure values other than the 

percentage of workers. Shading is only used when there is a mixture of percentages and dollar values. 

Survey sample 

The 2011 survey included a sample of approximately 3,200 establishments. 

Obtaining additional information 

Information on the survey scope, sample design, data collection, survey estimation, reliability of estimates, 

technical references, and survey definitions is available in Chapter 8 of the BLS Handbook of Methods, 

http://www.bls.gov/opub/hom/homch8.htm. 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, 

http://www.bls.gov/ncs/ebs/glossary20112012.htm. 

Appendix table 1: Survey establishment response 

Appendix table 2: Number of workers represented
Appendix table 1. Survey establishment response, private

industry, National Compensation Survey, 2011

Establishments Number of

establishments

Total in sampling frame1 ........................................................ 4,802,599

 Total in sample .................................................................... 3,226

 Responding ........................................................................ 2,206

 Refused or unable to provide data ..................................... 754

 Out of business or not in survey scope .............................. 266

1 The list of establishments from which

the survey sample was selected (sampling

frame) was developed from State

unemployment insurance reports and is

based on the 2007 North American

Industry Classification System (NAICS).

For private industries, an establishment is

usually a single physical location.
Appendix table 2. Number of workers1 represented, private

industry, National Compensation Survey, 2011

Occupational group2 Estimated number

of workers

All workers ............................................................................. 100,512,700

Management, professional, and related ............................ 25,471,900

Management, business, and financial ........................... 9,740,400

Professional and related ................................................ 15,731,500

Service ............................................................................... 22,388,400

Protective service .......................................................... 1,438,700

Sales and office ................................................................. 28,662,000

Sales and related ........................................................... 11,844,100

Office and administrative support .................................. 16,817,800

Natural resources, construction, and maintenance ........... 8,094,400

Construction, extraction, farming, fishing, and forestry .. 3,352,200

Installation, maintenance, and repair ............................. 4,742,200

Production, transportation, and material moving ............... 15,896,100

Production ...................................................................... 7,957,100

Transportation and material moving .............................. 7,938,900

1 The number of workers represented

by the survey are rounded to the nearest

100. Estimates of the number of workers

provide a description of the size and

composition of the labor force included in

the survey. Estimates are not intended,

however, for comparison to other statistical

series to measure employment trends or

levels. 2 The 2000 Standard Occupational

Classification system is used to classify

workers.