National Compensation Survey: 

Health Plan Provisions in Private Industry 

in the United States, 2008

U.S. Department of Labor 

Hilda L. Solis, Secretary

U.S. Bureau of Labor Statistics 

Keith Hall, Commissioner

July 2009

Bulletin 2719
Employee Benefits Survey 

Overview 

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

earnings, 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 2008. Under the NCS program, information on the incidence and provision of 

benefits is published in several stages. An earlier summary provided data 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. Similar data for civilian, 

private industry, and State and local government workers for March 2009 will be issued later this 

year. 

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

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

is available to sensory-impaired individuals on request, (Voice phone: (202) 691–5200; Federal 

Relay Service: 1 (800) 877–8339). Data requests also may be sent by mail to the U.S. Bureau of 

Labor Statistics, Division of Compensation Data Analysis and Planning, 2 Massachusetts 

Avenue, NE, Room 4175, Washington, DC 20212. Material in this publication is in the public 

domain and, with appropriate credit, may be reproduced without permission. 
Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey,

2008

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

Characteristic Total

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service

plan

Exclusive

provider

organization

Not

determinable

All workers ............................................................. 100 78 4 58 10 5 1 ( )

Worker characteristic

Management, professional, and related ................ 100 78 – 57 10 7 –

Management, business, and financial ............... 100 77 3 58 11 5 1 ( )

Professional and related .................................... 100 79 – 56 10 – 1 ( )

Service ................................................................... 100 78 – 59 9 – 1 ( )

Sales and office ..................................................... 100 78 3 59 10 5 1 ( )

Sales and related ............................................... 100 80 2 65 10 3 1 ( )

Office and administrative support ...................... 100 76 4 56 10 6 1 ( )

Natural resources, construction, and maintenance 100 75 – 53 10 7 –

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 76 – 58 – – 1 ( )

Installation, maintenance, and repair ................. 100 74 – 49 14 5 –

Production, transportation, and material moving ... 100 79 3 62 10 2 1

Production ......................................................... 100 79 – 64 11 – –

Transportation and material moving .................. 100 78 4 59 9 4 1

Full time ................................................................. 100 78 4 59 10 5 1 ( )

Part time ................................................................ 100 76 – 54 11 – 1 ( )

Union ..................................................................... 100 73 6 54 7 6 1 ( )

Nonunion ............................................................... 100 79 4 59 11 5 1 ( )

Average wage within the following percentiles:2

10 to under 25 ................................................... 100 79 – 65 10 2 –

25 to under 50 ................................................... 100 81 3 63 11 4 1 ( )

50 to under 75 ................................................... 100 74 4 56 9 6 1 ( )

75 to under 90 ................................................... 100 78 6 56 10 5 1 ( )

90 or greater ...................................................... 100 77 – 56 10 – 1 ( )

Establishment characteristic

Goods-producing industries ................................... 100 80 3 63 10 4 –

Construction ...................................................... 100 81 – 64 – – –

Manufacturing .................................................... 100 80 3 63 12 – –

Service-providing industries .................................. 100 77 4 57 10 6 1 ( )

Trade, transportation, and utilities ..................... 100 80 2 62 11 3 1 ( )

Wholesale trade ............................................. 100 74 – 60 7 5 –

Retail trade .................................................... 100 82 – 63 14 3 –

Transportation and warehousing ................... 100 82 – 63 11 – 1 ( )

Information ......................................................... 100 84 – 49 16 – –

Financial activities ............................................. 100 77 7 53 10 7 1 ( )

Finance and insurance .................................. 100 78 5 53 9 10 1 ( )

Credit intermediation and related activities 100 76 5 50 8 12 1 ( )

Insurance carriers and related activities .... 100 79 – 52 13 8 –

Real estate and rental and leasing ................ 100 73 – 51 – – –

Professional and business services .................. 100 79 – 61 6 – 1 ( )

Professional and technical services .............. 100 84 – 64 – – –

Education and health services ........................... 100 74 – 51 14 – 1 ( )

Educational services ...................................... 100 63 – 48 – – 1 ( )

Junior colleges, colleges, and universities 100 62 – 44 – – 1 ( )

Health care and social assistance ................. 100 76 – 52 14 – 1 ( )

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

2008—Continued

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

Characteristic Total

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service

plan

Exclusive

provider

organization

Not

determinable

Establishment characteristic

Leisure and hospitality ....................................... 100 71 – 57 – – 1 ( )

Other services ................................................... 100 65 – 44 – – 1

1 to 99 workers ...................................................... 100 76 5 58 10 4 1 ( )

1 to 49 workers .................................................. 100 75 4 58 9 4 –

50 to 99 workers ................................................ 100 81 – 58 11 – 1

100 workers or more .............................................. 100 79 3 59 10 6 1 ( )

100 to 499 workers ............................................ 100 79 3 62 9 – –

500 workers or more .......................................... 100 78 4 54 12 8 1 ( )

Geographic area

New England ......................................................... 100 58 – 40 10 4 –

Middle Atlantic ....................................................... 100 71 – 47 14 – 1 ( )

East North Central ................................................. 100 84 2 72 7 3 1 ( )

West North Central ................................................ 100 92 – 72 – – 1 ( )

South Atlantic ........................................................ 100 81 4 55 14 – –

West South Central ............................................... 100 88 2 70 12 4 1 ( )

Pacific .................................................................... 100 63 – 47 5 – 1 ( )

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

National Compensation Survey, 2008—Continued

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

Characteristic

Health maintenance organization

Total Traditional Open

access

Not

determinable

All workers ............................................................. 22 18 4 –

Worker characteristic

Management, professional, and related ................ 22 18 4 –

Management, business, and financial ............... 23 20 3 –

Professional and related .................................... 21 17 4 –

Service ................................................................... 22 19 3 –

Sales and office ..................................................... 22 20 3 –

Sales and related ............................................... 20 18 – –

Office and administrative support ...................... 24 20 3 –

Natural resources, construction, and maintenance 25 17 8 –

Construction, extraction, farming, fishing, and

forestry ............................................................. 24 14 – –

Installation, maintenance, and repair ................. 26 20 6 –

Production, transportation, and material moving ... 21 17 – –

Production ......................................................... 21 16 – –

Transportation and material moving .................. 22 19 – –

Full time ................................................................. 22 18 4 –

Part time ................................................................ 24 20 – –

Union ..................................................................... 27 21 7 –

Nonunion ............................................................... 21 18 3 –

Average wage within the following percentiles:2

10 to under 25 ................................................... 21 19 – –

25 to under 50 ................................................... 19 16 – –

50 to under 75 ................................................... 26 21 5 –

75 to under 90 ................................................... 22 17 4 –

90 or greater ...................................................... 23 18 5 –

Establishment characteristic

Goods-producing industries ................................... 20 15 5 –

Construction ...................................................... 19 13 7 –

Manufacturing .................................................... 20 16 – –

Service-providing industries .................................. 23 20 3 –

Trade, transportation, and utilities ..................... 20 17 – –

Wholesale trade ............................................. 26 19 – –

Retail trade .................................................... 18 18 – –

Transportation and warehousing ................... 18 – – –

Information ......................................................... 16 15 – –

Financial activities ............................................. 23 21 2 –

Finance and insurance .................................. 22 20 2 –

Credit intermediation and related activities 24 22 – –

Insurance carriers and related activities .... 21 17 3 –

Real estate and rental and leasing ................ 27 24 – –

Professional and business services .................. 21 20 – –

Professional and technical services .............. 16 – – –

Education and health services ........................... 26 20 6 –

Educational services ...................................... 37 28 10 –

Junior colleges, colleges, and universities 38 23 15 –

Health care and social assistance ................. 24 19 – –

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

National Compensation Survey, 2008—Continued

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

Characteristic

Health maintenance organization

Total Traditional Open

access

Not

determinable

Establishment characteristic

Leisure and hospitality ....................................... 29 27 – –

Other services ................................................... 35 30 – –

1 to 99 workers ...................................................... 24 20 4 –

1 to 49 workers .................................................. 25 22 3 –

50 to 99 workers ................................................ 19 15 – –

100 workers or more .............................................. 21 17 4 –

100 to 499 workers ............................................ 21 17 – –

500 workers or more .......................................... 22 18 4 –

Geographic area

New England ......................................................... 42 32 – –

Middle Atlantic ....................................................... 29 21 8 –

East North Central ................................................. 16 12 4 –

West North Central ................................................ 8 4 – –

South Atlantic ........................................................ 19 17 – –

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

Pacific .................................................................... 37 35 – –

1 Less than 0.5 percent. 2 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National

Compensation Survey, 2008

Characteristic

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service

plan

Exclusive

provider

organization

Not

determinable

All workers ............................................................. 1.4 0.6 1.3 0.6 0.9 1 ( )

Worker characteristic

Management, professional, and related ................ 1.5 – 2.0 1.0 1.7 –

Management, business, and financial ............... 1.9 0.7 2.1 1.5 0.7 1 ( )

Professional and related .................................... 1.7 – 3.1 1.3 – 1 ( )

Service ................................................................... 3.9 – 3.9 1.6 – 1 ( )

Sales and office ..................................................... 1.9 0.6 2.0 1.2 1.0 1 ( )

Sales and related ............................................... 1.9 0.5 2.6 2.1 0.8 1 ( )

Office and administrative support ...................... 2.6 0.8 2.6 1.2 1.3 1 ( )

Natural resources, construction, and maintenance 3.2 – 3.4 1.8 1.8 –

Construction, extraction, farming, fishing, and

forestry ............................................................. 4.4 – 4.3 – – 1 ( )

Installation, maintenance, and repair ................. 4.0 – 4.2 2.6 1.1 –

Production, transportation, and material moving ... 2.4 0.8 2.2 1.9 0.5 0.3

Production ......................................................... 3.2 – 2.9 2.3 – –

Transportation and material moving .................. 3.0 1.2 3.7 2.1 0.9 0.7

Full time ................................................................. 1.4 0.5 1.4 0.7 0.9 1 ( )

Part time ................................................................ 2.8 – 5.2 2.3 – 1 ( )

Union ..................................................................... 3.3 1.3 3.0 1.2 1.7 1 ( )

Nonunion ............................................................... 1.4 0.6 1.5 0.7 0.9 1 ( )

Average wage within the following percentiles:2

10 to under 25 ................................................... 2.9 – 3.4 1.9 0.7 –

25 to under 50 ................................................... 1.9 0.6 2.0 1.0 0.6 1 ( )

50 to under 75 ................................................... 2.7 0.5 2.5 1.0 1.3 1 ( )

75 to under 90 ................................................... 1.5 1.3 1.6 1.2 1.0 1 ( )

90 or greater ...................................................... 2.2 – 2.8 1.7 – 1 ( )

Establishment characteristic

Goods-producing industries ................................... 2.1 0.7 2.4 1.4 1.0 –

Construction ...................................................... 2.8 – 3.3 – – –

Manufacturing .................................................... 2.5 0.8 2.9 2.0 – –

Service-providing industries .................................. 1.7 0.7 1.7 0.9 1.1 1 ( )

Trade, transportation, and utilities ..................... 2.3 0.6 2.6 1.2 0.5 1 ( )

Wholesale trade ............................................. 5.2 – 4.6 2.2 1.5 –

Retail trade .................................................... 2.4 – 3.1 2.7 0.7 –

Transportation and warehousing ................... 5.0 – 6.2 3.3 – 1 ( )

Information ......................................................... 3.3 – 4.8 4.2 – –

Financial activities ............................................. 2.0 1.9 2.6 1.9 1.1 1 ( )

Finance and insurance .................................. 1.9 1.5 2.5 1.5 1.4 1 ( )

Credit intermediation and related activities 2.7 1.5 3.6 1.6 2.4 1 ( )

Insurance carriers and related activities .... 4.0 – 3.5 3.3 1.5 –

Real estate and rental and leasing ................ 6.8 – 7.0 – – –

Professional and business services .................. 4.0 – 4.4 1.6 – 1 ( )

Professional and technical services .............. 4.9 – 6.2 – – –

Education and health services ........................... 3.1 – 4.1 2.0 – 1 ( )

Educational services ...................................... 3.7 – 6.4 – – 1 ( )

Junior colleges, colleges, and universities 2.9 – 5.8 – – 1 ( )

Health care and social assistance ................. 3.6 – 4.5 2.5 – 1 ( )

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

Compensation Survey, 2008—Continued

Characteristic

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service

plan

Exclusive

provider

organization

Not

determinable

Establishment characteristic

Leisure and hospitality ....................................... 6.6 – 7.4 – – 1 ( )

Other services ................................................... 8.0 – 10.8 – – 1.0

1 to 99 workers ...................................................... 2.2 1.0 2.1 1.3 0.8 1 ( )

1 to 49 workers .................................................. 2.7 1.0 2.8 1.5 0.6 –

50 to 99 workers ................................................ 2.8 – 3.1 2.6 – 0.4

100 workers or more .............................................. 1.3 0.5 1.7 0.7 1.3 1 ( )

100 to 499 workers ............................................ 1.7 0.8 2.1 1.2 – –

500 workers or more .......................................... 2.2 0.6 2.9 1.4 2.1 1 ( )

Geographic area

New England ......................................................... 7.2 – 7.2 2.1 1.2 –

Middle Atlantic ....................................................... 5.1 – 3.1 1.1 – 1 ( )

East North Central ................................................. 1.7 0.6 2.1 1.5 0.7 1 ( )

West North Central ................................................ 1.8 – 5.4 – – 1 ( )

South Atlantic ........................................................ 2.9 0.7 3.5 1.4 – –

West South Central ............................................... 1.4 0.5 1.5 1.6 0.9 1 ( )

Pacific .................................................................... 3.6 – 3.4 0.9 – 1 ( )

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

industry workers, National Compensation Survey, 2008—Continued

Characteristic

Health maintenance organization

Total Traditional Open

access

Not

determinable

All workers ............................................................. 1.4 1.2 0.5 –

Worker characteristic

Management, professional, and related ................ 1.5 1.3 0.7 –

Management, business, and financial ............... 1.9 1.6 0.8 –

Professional and related .................................... 1.7 1.6 1.0 –

Service ................................................................... 3.9 3.8 0.7 –

Sales and office ..................................................... 1.9 1.9 0.5 –

Sales and related ............................................... 1.9 1.8 – –

Office and administrative support ...................... 2.6 2.6 0.7 –

Natural resources, construction, and maintenance 3.2 2.9 1.5 –

Construction, extraction, farming, fishing, and

forestry ............................................................. 4.4 3.2 – –

Installation, maintenance, and repair ................. 4.0 4.0 1.5 –

Production, transportation, and material moving ... 2.4 2.0 – –

Production ......................................................... 3.2 2.5 – –

Transportation and material moving .................. 3.0 2.8 – –

Full time ................................................................. 1.4 1.2 0.5 –

Part time ................................................................ 2.8 2.3 – –

Union ..................................................................... 3.3 3.1 1.8 –

Nonunion ............................................................... 1.4 1.3 0.5 –

Average wage within the following percentiles:2

10 to under 25 ................................................... 2.9 3.2 – –

25 to under 50 ................................................... 1.9 1.7 – –

50 to under 75 ................................................... 2.7 2.5 0.8 –

75 to under 90 ................................................... 1.5 1.5 0.7 –

90 or greater ...................................................... 2.2 2.0 1.3 –

Establishment characteristic

Goods-producing industries ................................... 2.1 1.9 1.1 –

Construction ...................................................... 2.8 2.4 1.7 –

Manufacturing .................................................... 2.5 2.3 – –

Service-providing industries .................................. 1.7 1.5 0.6 –

Trade, transportation, and utilities ..................... 2.3 1.8 – –

Wholesale trade ............................................. 5.2 3.6 – –

Retail trade .................................................... 2.4 2.3 – –

Transportation and warehousing ................... 5.0 – – –

Information ......................................................... 3.3 3.1 – –

Financial activities ............................................. 2.0 1.8 0.6 –

Finance and insurance .................................. 1.9 1.8 0.4 –

Credit intermediation and related activities 2.7 2.6 – –

Insurance carriers and related activities .... 4.0 4.0 0.9 –

Real estate and rental and leasing ................ 6.8 6.3 – –

Professional and business services .................. 4.0 4.1 – –

Professional and technical services .............. 4.9 – – –

Education and health services ........................... 3.1 2.8 1.7 –

Educational services ...................................... 3.7 2.7 2.0 –

Junior colleges, colleges, and universities 2.9 2.1 2.6 –

Health care and social assistance ................. 3.6 3.3 – –

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

industry workers, National Compensation Survey, 2008—Continued

Characteristic

Health maintenance organization

Total Traditional Open

access

Not

determinable

Establishment characteristic

Leisure and hospitality ....................................... 6.6 6.6 – –

Other services ................................................... 8.0 7.0 – –

1 to 99 workers ...................................................... 2.2 2.0 0.8 –

1 to 49 workers .................................................. 2.7 2.5 0.7 –

50 to 99 workers ................................................ 2.8 2.1 – –

100 workers or more .............................................. 1.3 1.2 0.7 –

100 to 499 workers ............................................ 1.7 1.5 – –

500 workers or more .......................................... 2.2 2.4 1.0 –

Geographic area

New England ......................................................... 7.2 6.5 – –

Middle Atlantic ....................................................... 5.1 3.6 2.2 –

East North Central ................................................. 1.7 1.1 1.0 –

West North Central ................................................ 1.8 1.2 – –

South Atlantic ........................................................ 2.9 2.8 – –

West South Central ............................................... 1.4 1.5 – –

Pacific .................................................................... 3.6 3.8 – –

1 Less than 0.05. 2 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 2. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation

Survey, 2008

(All workers participating in fee-for-service plans = 100 percent)

Characteristic

Annual deductible1 Coinsurance2 Annual out-of-pocket maximum3

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

All workers ............................................................. 93 5 2 80 20 4 ( ) 81 16 3

Worker characteristic

Management, professional, and related ................ 93 6 1 78 22 – 82 15 2

Management, business, and financial ............... 94 5 4 ( ) 79 21 – 83 15 1

Professional and related .................................... 92 7 1 77 23 – 81 16 3

Service ................................................................... 83 – – 79 21 – 74 16 10

Sales and office ..................................................... 93 5 1 81 19 – 82 16 2

Sales and related ............................................... 97 3 – 84 16 – 85 14 1

Office and administrative support ...................... 91 7 2 80 20 – 80 17 3

Natural resources, construction, and maintenance 92 6 1 77 23 – 77 20 4

Construction, extraction, farming, fishing, and

forestry ............................................................. 92 – – 79 21 – 78 20 2

Installation, maintenance, and repair ................. 93 – – 75 25 – 75 19 6

Production, transportation, and material moving ... 98 2 4 ( ) 82 17 4 ( ) 83 15 2

Production ......................................................... 98 – – 83 16 4 ( ) 82 15 2

Transportation and material moving .................. 97 – – 80 19 1 85 14 1

Full time ................................................................. 93 5 2 79 20 4 ( ) 81 16 3

Part time ................................................................ 91 – – 82 18 – 76 21 3

Union ..................................................................... 90 6 3 76 23 1 71 24 6

Nonunion ............................................................... 93 5 1 80 20 – 83 15 3

Average wage within the following percentiles:5

Less than 10 ...................................................... 94 – – 88 – – 82 – –

10 to under 25 ................................................... 87 5 – 82 18 – 78 13 9

25 to under 50 ................................................... 95 3 2 82 18 – 81 15 4

50 to under 75 ................................................... 92 7 1 79 21 4 ( ) 81 17 2

75 to under 90 ................................................... 94 5 1 80 20 4 ( ) 81 16 2

90 or greater ...................................................... 93 6 1 76 24 – 82 15 2

Establishment characteristic

Goods-producing industries ................................... 95 5 1 81 18 4 ( ) 84 15 1

Construction ...................................................... 90 – – 80 20 – 83 15 1

Manufacturing .................................................... 96 3 4 ( ) 81 18 1 83 16 1

Service-providing industries .................................. 92 6 2 79 21 – 80 16 4

Trade, transportation, and utilities ..................... 96 3 1 84 16 – 87 12 2

Wholesale trade ............................................. 95 – – 86 14 – 82 16 2

Retail trade .................................................... 95 4 1 87 13 – 91 7 3

Transportation and warehousing ................... 99 – – 77 23 – 87 – –

Utilities ........................................................... 98 – – 82 – – 72 – –

Information ......................................................... 94 – – 77 23 – 77 21 2

Financial activities ............................................. 92 8 4 ( ) 82 18 – 81 16 3

Finance and insurance .................................. 90 10 4 ( ) 79 21 – 77 19 4

Credit intermediation and related activities 87 13 – 78 22 – 76 21 3

Insurance carriers and related activities .... 93 – – 78 22 – 75 18 7

Real estate and rental and leasing ................ 99 – – 93 – – 96 – –

Professional and business services .................. 95 – – 76 24 – 80 13 7

Professional and technical services .............. 97 – – 72 28 – 84 – –

Administrative and waste services ................ 89 – – 78 – – 73 – –

See footnotes at end of table.
Table 2. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation

Survey, 2008—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristic

Annual deductible1 Coinsurance2 Annual out-of-pocket maximum3

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Establishment characteristic

Education and health services ........................... 84 – – 70 30 – 69 28 3

Educational services ...................................... 94 6 – 67 33 – 75 25 –

Junior colleges, colleges, and universities 90 10 – 61 39 – 69 31 –

Health care and social assistance ................. 82 – – 71 29 – 68 28 4

Leisure and hospitality ....................................... 95 – – 89 – – 85 – –

Accommodation and food services ................ 96 – – 89 – – 86 – –

Other services ................................................... 93 – – 90 – – 92 – –

1 to 99 workers ...................................................... 94 4 2 81 19 – 84 13 4

1 to 49 workers .................................................. 94 4 2 79 21 – 83 14 4

50 to 99 workers ................................................ 94 – – 84 16 – 86 10 3

100 workers or more .............................................. 92 7 2 79 21 4 ( ) 79 18 3

100 to 499 workers ............................................ 95 4 1 79 20 4 ( ) 81 17 2

500 workers or more .......................................... 88 10 2 78 22 – 76 20 4

Geographic area

New England ......................................................... 92 8 – 68 32 – 65 34 1

Middle Atlantic ....................................................... 90 8 1 63 37 – 60 35 5

East North Central ................................................. 92 – – 85 15 – 82 12 6

West North Central ................................................ 96 – – 92 – – 88 – –

South Atlantic ........................................................ 93 5 2 78 21 4 ( ) 83 13 4

East South Central ................................................ 98 – – 82 – – 91 8 1

West South Central ............................................... 96 4 4 ( ) 85 15 – 89 – –

Mountain ................................................................ 93 – – 87 13 – 85 14 –

Pacific .................................................................... 89 – – 75 25 – 85 – –

1 The deductible is the amount of covered expenses that an individual or family

must pay before any charges are paid by the medical care plan. Deductibles that apply

separately to a specific category of expenses, such as deductible for each hospital

admission, were excluded. 2 Represents the initial coinsurance in plans that have 100 percent coverage after

the individual pays a specified dollar amount toward expenses. For example, the plan

pays 80 percent until the individual’s out-of-pocket expenses reach $1,000, and then

coverage is 100 percent. 3 The out-of-pocket maximum is the annual limit on the amount of covered

expenses that a participant or a family must pay after the deductible has been satisfied.

Once reached, covered expenses are fully reimbursed for the rest of the year.

4 Less than 0.5 percent. 5 The percentile groupings are based on the average wage for each occupation

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

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 2. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National

Compensation Survey, 2008

Characteristic

Annual deductible1 Coinsurance2 Annual out-of-pocket maximum3

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

All workers ............................................................. 1.1 0.9 0.7 1.5 1.5 4 ( ) 1.3 1.3 0.7

Worker characteristic

Management, professional, and related ................ 1.0 1.0 0.5 2.4 2.4 – 1.8 1.7 0.9

Management, business, and financial ............... 0.7 0.7 4 ( ) 2.7 2.7 – 2.3 2.3 0.6

Professional and related .................................... 1.5 1.5 0.6 3.4 3.4 – 2.2 2.0 1.1

Service ................................................................... 5.0 – – 5.2 5.2 – 5.4 3.4 4.5

Sales and office ..................................................... 1.4 1.2 0.8 2.1 2.1 – 1.8 1.8 0.8

Sales and related ............................................... 0.6 0.6 – 2.8 2.8 – 2.7 2.7 0.7

Office and administrative support ...................... 2.0 1.6 1.1 2.6 2.6 – 2.2 2.3 1.2

Natural resources, construction, and maintenance 2.0 1.8 0.6 3.0 3.0 – 3.1 2.9 1.3

Construction, extraction, farming, fishing, and

forestry ............................................................. 3.2 – – 5.4 5.4 – 5.0 5.1 1.0

Installation, maintenance, and repair ................. 2.1 – – 3.3 3.3 – 3.5 3.3 2.4

Production, transportation, and material moving ... 0.6 0.5 4 ( ) 2.3 2.2 4 ( ) 2.0 2.2 0.7

Production ......................................................... 0.9 – – 3.0 3.0 4 ( ) 2.9 3.1 1.0

Transportation and material moving .................. 0.7 – – 3.4 3.4 0.6 2.9 2.9 0.6

Full time ................................................................. 1.1 0.9 0.7 1.5 1.5 4 ( ) 1.4 1.3 0.8

Part time ................................................................ 2.8 – – 3.2 3.2 – 3.7 3.8 1.5

Union ..................................................................... 2.3 1.7 1.6 4.1 4.1 0.5 4.3 3.8 1.8

Nonunion ............................................................... 1.1 0.9 0.6 1.5 1.5 – 1.4 1.4 0.7

Average wage within the following percentiles:5

Less than 10 ...................................................... 5.8 – – 5.2 – – 7.0 – –

10 to under 25 ................................................... 5.1 1.2 – 5.1 5.1 – 5.3 3.1 5.1

25 to under 50 ................................................... 1.1 0.6 0.9 1.8 1.8 – 2.1 1.9 1.0

50 to under 75 ................................................... 1.6 1.5 0.5 2.0 2.0 4 ( ) 1.9 1.9 0.5

75 to under 90 ................................................... 1.2 1.1 0.4 2.2 2.2 4 ( ) 1.9 1.9 0.8

90 or greater ...................................................... 0.9 1.0 0.4 3.1 3.1 – 2.1 1.8 1.1

Establishment characteristic

Goods-producing industries ................................... 1.1 1.0 0.4 2.4 2.4 4 ( ) 2.3 2.4 0.5

Construction ...................................................... 2.9 – – 4.5 4.5 – 3.9 4.0 0.8

Manufacturing .................................................... 1.0 0.9 4 ( ) 2.9 2.9 0.4 2.9 3.1 0.6

Service-providing industries .................................. 1.4 1.1 0.8 1.8 1.8 – 1.6 1.5 1.0

Trade, transportation, and utilities ..................... 0.8 0.6 0.4 2.3 2.3 – 1.9 1.7 0.5

Wholesale trade ............................................. 1.9 – – 3.3 3.3 – 3.4 3.2 1.0

Retail trade .................................................... 1.2 1.0 0.6 2.0 2.0 – 1.5 1.3 0.9

Transportation and warehousing ................... 0.8 – – 6.5 6.5 – 4.9 – –

Utilities ........................................................... 1.4 – – 6.2 – – 10.9 – –

Information ......................................................... 2.8 – – 5.5 5.5 – 5.0 4.9 1.1

Financial activities ............................................. 1.3 1.3 4 ( ) 1.7 1.7 – 1.7 1.7 1.0

Finance and insurance .................................. 1.6 1.6 4 ( ) 2.3 2.3 – 2.1 2.2 1.2

Credit intermediation and related activities 2.9 2.9 – 3.3 3.3 – 3.9 3.7 1.6

Insurance carriers and related activities .... 2.4 – – 4.2 4.2 – 3.7 3.2 2.5

Real estate and rental and leasing ................ 0.6 – – 3.7 – – 2.7 – –

Professional and business services .................. 2.7 – – 4.8 4.8 – 3.7 3.6 3.1

Professional and technical services .............. 1.6 – – 7.3 7.3 – 4.7 – –

Administrative and waste services ................ 9.3 – – 10.5 – – 10.0 – –

See footnotes at end of table.
Table 2. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National

Compensation Survey, 2008—Continued

Characteristic

Annual deductible1 Coinsurance2 Annual out-of-pocket maximum3

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Establishment characteristic

Education and health services ........................... 4.6 – – 4.9 4.9 – 4.8 4.5 2.4

Educational services ...................................... 1.3 1.3 – 5.0 5.0 – 3.6 3.6 –

Junior colleges, colleges, and universities 1.9 1.9 – 6.4 6.4 – 5.0 5.0 –

Health care and social assistance ................. 5.2 – – 5.5 5.5 – 5.5 5.2 2.8

Leisure and hospitality ....................................... 2.1 – – 5.1 – – 4.5 – –

Accommodation and food services ................ 2.1 – – 5.9 – – 4.9 – –

Other services ................................................... 4.2 – – 3.8 – – 5.5 – –

1 to 99 workers ...................................................... 1.4 0.9 1.0 2.0 2.0 – 2.0 1.7 1.2

1 to 49 workers .................................................. 1.6 0.7 1.5 2.5 2.5 – 2.3 1.9 1.6

50 to 99 workers ................................................ 2.2 – – 3.0 3.0 – 2.8 2.4 1.7

100 workers or more .............................................. 1.5 1.3 0.9 2.0 2.0 4 ( ) 1.9 1.9 0.9

100 to 499 workers ............................................ 1.0 0.9 0.7 3.0 3.0 4 ( ) 2.4 2.6 0.8

500 workers or more .......................................... 3.0 2.6 1.7 2.7 2.7 – 2.8 2.6 1.7

Geographic area

New England ......................................................... 2.1 2.1 – 5.5 5.5 – 8.3 7.8 0.6

Middle Atlantic ....................................................... 2.4 2.2 0.4 3.8 3.8 – 5.0 5.5 2.4

East North Central ................................................. 3.6 – – 2.4 2.4 – 2.7 1.5 3.1

West North Central ................................................ 1.5 – – 3.9 – – 3.7 – –

South Atlantic ........................................................ 1.5 1.0 1.3 4.1 4.2 4 ( ) 2.4 2.0 1.3

East South Central ................................................ 1.2 – – 5.2 – – 1.7 1.8 0.4

West South Central ............................................... 0.8 0.8 4 ( ) 2.9 2.9 – 3.1 – –

Mountain ................................................................ 2.4 – – 4.0 4.0 – 4.0 4.1 –

Pacific .................................................................... 4.9 – – 5.0 5.0 – 5.1 – –

1 The deductible is the amount of covered expenses that an individual or family

must pay before any charges are paid by the medical care plan. Deductibles that apply

separately to a specific category of expenses, such as deductible for each hospital

admission, were excluded. 2 Represents the initial coinsurance in plans that have 100 percent coverage after

the individual pays a specified dollar amount towrad expenses. For example, the plan

pays 80 percent until the individual’s out-of-pocket expenses reach $1,000, and then

coverage is 100 percent. 3 The out-of-pocket maximum is the annual limit on the amount of covered

expenses that a participant or a family must pay after the deductible has been satisfied.

Once reached, covered expenses are fully reimbursed for the rest of the year.

4 Less than 0.05. 5 The percentile groupings are based on the average wage for each occupation

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

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 3. Fee-for-service plans: Type and amount of annual individual deductible,1 private industry

workers, National Compensation Survey, 2008

(All workers participating in fee-for-service plans = 100 percent)

Characteristic Total With

deductible

Fixed deductible Variable deductible

With fixed

deductible

Median

deductible

amount

With

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

All workers ............................................................. 100 93 39 $500 53 $500 $750 $350

Worker characteristic

Management, professional, and related ................ 100 93 36 500 57 500 750 300

Management, business, and financial ............... 100 94 36 500 58 500 750 –

Professional and related .................................... 100 92 36 500 56 500 – –

Service ................................................................... 100 83 38 500 44 – – –

Sales and office ..................................................... 100 93 40 500 52 500 900 500

Sales and related ............................................... 100 97 39 500 58 500 1,000 500

Office and administrative support ...................... 100 91 41 500 50 500 750 –

Natural resources, construction, and maintenance 100 92 44 300 48 500 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 92 54 300 38 – 500 1,500

Installation, maintenance, and repair ................. 100 93 36 – 57 500 – –

Production, transportation, and material moving ... 100 98 41 – 56 350 750 1,000

Production ......................................................... 100 98 41 500 56 330 600 –

Transportation and material moving .................. 100 97 40 350 57 400 1,000 1,000

Full time ................................................................. 100 93 39 500 53 500 800 350

Part time ................................................................ 100 91 41 – 50 500 – –

Union ..................................................................... 100 90 44 250 46 300 500 250

Nonunion ............................................................... 100 93 38 500 54 500 1,000 400

Average wage within the following percentiles:3

Less than 10 ...................................................... 100 94 31 – 62 400 1,000 –

10 to under 25 ................................................... 100 87 40 – 46 500 1,000 –

25 to under 50 ................................................... 100 95 40 500 54 500 1,000 –

50 to under 75 ................................................... 100 92 37 500 54 – 750 500

75 to under 90 ................................................... 100 94 43 – 50 325 600 300

90 or greater ...................................................... 100 93 36 500 57 500 – 400

Establishment characteristic

Goods-producing industries ................................... 100 95 40 400 54 – 700 1,000

Construction ...................................................... 100 90 48 300 42 500 1,000 –

Manufacturing .................................................... 100 96 38 500 58 350 600 –

Service-providing industries .................................. 100 92 39 500 53 500 800 300

Trade, transportation, and utilities ..................... 100 96 39 500 56 500 1,000 –

Wholesale trade ............................................. 100 95 41 500 53 400 1,000 –

Retail trade .................................................... 100 95 40 – 55 – – –

Transportation and warehousing ................... 100 99 33 – 65 250 500 50

Utilities ........................................................... 100 98 52 – 45 300 500 –

Information ......................................................... 100 94 33 300 61 300 600 300

Financial activities ............................................. 100 92 43 – 45 500 750 –

Finance and insurance .................................. 100 90 41 900 45 – 600 –

Credit intermediation and related activities 100 87 37 – 46 350 600 –

Insurance carriers and related activities .... 100 93 48 1,000 41 – – 1,100

Real estate and rental and leasing ................ 100 99 54 – 46 – 1,000 –

Professional and business services .................. 100 95 50 – 45 – 500 –

Professional and technical services .............. 100 97 44 500 53 – – –

See footnotes at end of table.
Table 3. Fee-for-service plans: Type and amount of annual individual deductible,1 private industry

workers, National Compensation Survey, 2008—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristic Total With

deductible

Fixed deductible Variable deductible

With fixed

deductible

Median

deductible

amount

With

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

Establishment characteristic

Administrative and waste services ................ 100 89 52 $300 37 – – –

Education and health services ........................... 100 84 22 500 62 $500 $800 $300

Educational services ...................................... 100 94 28 500 65 350 700 400

Junior colleges, colleges, and universities 100 90 22 500 66 250 500 400

Health care and social assistance ................. 100 82 21 – 61 500 – –

Leisure and hospitality ....................................... 100 95 55 500 37 – – –

Accommodation and food services ................ 100 96 58 – 33 – – –

Other services ................................................... 100 93 46 – 47 500 – –

1 to 99 workers ...................................................... 100 94 44 500 49 500 1,000 –

1 to 49 workers .................................................. 100 94 42 500 51 500 1,000 –

50 to 99 workers ................................................ 100 94 48 – 45 500 1,000 –

100 workers or more .............................................. 100 92 35 – 56 350 600 300

100 to 499 workers ............................................ 100 95 35 500 60 – 750 500

500 workers or more .......................................... 100 88 36 300 51 300 500 300

Geographic area

New England ......................................................... 100 92 19 – 71 300 500 –

Middle Atlantic ....................................................... 100 90 32 500 59 250 500 –

East North Central ................................................. 100 92 33 500 58 375 750 –

West North Central ................................................ 100 96 45 500 51 500 1,000 –

South Atlantic ........................................................ 100 93 39 500 54 500 800 –

East South Central ................................................ 100 98 44 – 53 500 – –

West South Central ............................................... 100 96 41 500 54 500 1,000 –

Mountain ................................................................ 100 93 49 500 41 – 1,000 350

Pacific .................................................................... 100 89 47 300 41 350 – –

See footnotes at end of table.
Table 3. Fee-for-service plans: Type and amount of annual

individual deductible,1 private industry workers, National

Compensation Survey, 2008—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristic Other

deductible

With no

deductible

Not

determinable

All workers ............................................................. 1 5 2

Worker characteristic

Management, professional, and related ................ – 6 1

Management, business, and financial ............... – 5 2 ( )

Professional and related .................................... – 7 1

Service ................................................................... – – –

Sales and office ..................................................... – 5 1

Sales and related ............................................... – 3 –

Office and administrative support ...................... – 7 2

Natural resources, construction, and maintenance – 6 1

Construction, extraction, farming, fishing, and

forestry ............................................................. – – –

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

Production, transportation, and material moving ... – 2 2 ( )

Production ......................................................... – – –

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

Full time ................................................................. 1 5 2

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

Union ..................................................................... – 6 3

Nonunion ............................................................... 1 5 1

Average wage within the following percentiles:3

Less than 10 ...................................................... – – –

10 to under 25 ................................................... – 5 –

25 to under 50 ................................................... 1 3 2

50 to under 75 ................................................... – 7 1

75 to under 90 ................................................... 1 5 1

90 or greater ...................................................... – 6 1

Establishment characteristic

Goods-producing industries ................................... – 5 1

Construction ...................................................... – – –

Manufacturing .................................................... – 3 2 ( )

Service-providing industries .................................. 1 6 2

Trade, transportation, and utilities ..................... – 3 1

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

Retail trade .................................................... – 4 1

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

Utilities ........................................................... – – –

Information ......................................................... – – –

Financial activities ............................................. – 8 2 ( )

Finance and insurance .................................. – 10 2 ( )

Credit intermediation and related activities – 13 –

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

Real estate and rental and leasing ................ – – –

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

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

See footnotes at end of table.
Table 3. Fee-for-service plans: Type and amount of annual

individual deductible,1 private industry workers, National

Compensation Survey, 2008—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristic Other

deductible

With no

deductible

Not

determinable

Establishment characteristic

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

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

Educational services ...................................... – 6 –

Junior colleges, colleges, and universities – 10 –

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

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

Accommodation and food services ................ – – –

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

1 to 99 workers ...................................................... – 4 2

1 to 49 workers .................................................. – 4 2

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

100 workers or more .............................................. 1 7 2

100 to 499 workers ............................................ – 4 1

500 workers or more .......................................... – 10 2

Geographic area

New England ......................................................... – 8 –

Middle Atlantic ....................................................... – 8 1

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

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

South Atlantic ........................................................ – 5 2

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

West South Central ............................................... – 4 2 ( )

Mountain ................................................................ – – –

Pacific .................................................................... – – –

1 The deductible is the amount of covered

expenses that an individual or family must pay

before any charges are paid by the medical care

plan. Deductibles that apply separately to a

specific category of expenses, such as

deductible for each hospital admission, were

excluded. 2 Less than 0.5 percent. 3 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and

below the threshold. The percentile values are

based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 3. Standard errors for fee-for-service plans: Type and amount of annual individual

deductible,1 private industry workers, National Compensation Survey, 2008

Characteristic With

deductible

Fixed deductible Variable deductible

With fixed

deductible

Median

deductible

amount

With

variable

deductible

Median deductible amount

In-networkOut-ofnetworkPoint-ofservice

All workers ............................................................. 1.1 1.7 $19.62 1.8 $52.83 $78.49 $77.87

Worker characteristic

Management, professional, and related ................ 1.0 2.7 0.00 2.8 34.34 174.40 68.67

Management, business, and financial ............... 0.7 2.9 19.62 2.9 145.10 169.36 –

Professional and related .................................... 1.5 3.5 19.62 3.6 31.41 – –

Service ................................................................... 5.0 4.9 129.78 5.2 – – –

Sales and office ..................................................... 1.4 2.2 0.00 2.1 0.00 182.49 44.96

Sales and related ............................................... 0.6 3.0 144.52 3.0 0.00 0.00 0.00

Office and administrative support ...................... 2.0 3.1 19.62 2.9 147.49 72.76 –

Natural resources, construction, and maintenance 2.0 3.9 0.00 3.8 95.96 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. 3.2 5.7 0.00 5.0 – 113.23 0.00

Installation, maintenance, and repair ................. 2.1 4.7 – 4.9 129.66 – –

Production, transportation, and material moving ... 0.6 3.2 – 3.2 41.73 153.39 239.51

Production ......................................................... 0.9 4.2 119.35 4.5 32.63 55.50 –

Transportation and material moving .................. 0.7 4.3 86.09 4.3 35.21 298.06 0.00

Full time ................................................................. 1.1 1.7 19.62 1.9 52.83 98.60 98.11

Part time ................................................................ 2.8 7.2 – 6.8 113.14 – –

Union ..................................................................... 2.3 3.6 47.05 4.1 55.50 9.81 67.26

Nonunion ............................................................... 1.1 1.8 0.00 1.9 0.00 209.96 114.41

Average wage within the following percentiles:3

Less than 10 ...................................................... 5.8 7.5 – 8.2 113.57 161.80 –

10 to under 25 ................................................... 5.1 5.5 – 5.5 19.62 111.00 –

25 to under 50 ................................................... 1.1 2.5 0.00 2.7 0.00 0.00 –

50 to under 75 ................................................... 1.6 2.4 27.75 2.5 – 165.47 126.78

75 to under 90 ................................................... 1.2 2.5 – 2.6 48.56 122.93 43.87

90 or greater ...................................................... 0.9 3.7 0.00 3.8 111.43 – 29.43

Establishment characteristic

Goods-producing industries ................................... 1.1 2.6 70.06 2.9 – 142.59 166.49

Construction ...................................................... 2.9 4.8 55.50 4.2 49.05 208.57 –

Manufacturing .................................................... 1.0 3.4 63.58 3.7 34.91 79.10 –

Service-providing industries .................................. 1.4 2.0 0.00 2.1 52.83 177.68 57.21

Trade, transportation, and utilities ..................... 0.8 2.8 19.62 2.9 0.00 0.00 –

Wholesale trade ............................................. 1.9 5.2 120.95 5.0 112.72 91.51 –

Retail trade .................................................... 1.2 3.4 – 3.5 – – –

Transportation and warehousing ................... 0.8 6.6 – 6.6 32.54 88.84 0.00

Utilities ........................................................... 1.4 8.2 – 8.1 71.42 112.72 –

Information ......................................................... 2.8 5.7 39.24 5.2 0.00 126.02 0.00

Financial activities ............................................. 1.3 3.7 – 3.7 0.00 167.65 –

Finance and insurance .................................. 1.6 3.2 226.07 3.5 – 65.08 –

Credit intermediation and related activities 2.9 4.1 – 4.0 94.10 65.08 –

Insurance carriers and related activities .... 2.4 6.3 220.90 6.0 – – 0.00

Real estate and rental and leasing ................ 0.6 11.3 – 11.1 – 284.68 –

Professional and business services .................. 2.7 5.4 – 5.8 – 146.51 –

Professional and technical services .............. 1.6 8.2 49.05 8.0 – – –

Administrative and waste services ................ 9.3 7.9 70.06 9.3 – – –

See footnotes at end of table.
Table 3. Standard errors for fee-for-service plans: Type and amount of annual individual

deductible,1 private industry workers, National Compensation Survey, 2008—Continued

Characteristic With

deductible

Fixed deductible Variable deductible

With fixed

deductible

Median

deductible

amount

With

variable

deductible

Median deductible amount

In-networkOut-ofnetworkPoint-ofservice

Establishment characteristic

Education and health services ........................... 4.6 3.1 $55.50 4.8 $42.76 $238.50 $62.82

Educational services ...................................... 1.3 5.0 0.00 4.7 93.59 130.15 0.00

Junior colleges, colleges, and universities 1.9 3.2 0.00 3.4 35.37 73.42 0.00

Health care and social assistance ................. 5.2 3.5 – 5.5 9.81 – –

Leisure and hospitality ....................................... 2.1 8.4 131.62 8.4 – – –

Accommodation and food services ................ 2.1 10.7 – 9.4 – – –

Other services ................................................... 4.2 12.1 – 11.5 130.15 – –

1 to 99 workers ...................................................... 1.4 2.7 0.00 2.6 19.62 0.00 –

1 to 49 workers .................................................. 1.6 3.1 0.00 3.3 114.41 0.00 –

50 to 99 workers ................................................ 2.2 4.6 – 4.1 0.00 206.02 –

100 workers or more .............................................. 1.5 2.1 – 2.3 38.11 36.71 84.96

100 to 499 workers ............................................ 1.0 3.1 0.00 3.3 – 77.55 48.06

500 workers or more .......................................... 3.0 2.6 21.94 3.2 10.97 9.81 52.83

Geographic area

New England ......................................................... 2.1 5.6 – 5.3 86.65 62.05 –

Middle Atlantic ....................................................... 2.4 3.9 106.57 5.0 10.97 9.81 –

East North Central ................................................. 3.6 3.5 87.20 4.6 110.85 207.42 –

West North Central ................................................ 1.5 5.6 78.49 6.1 0.00 0.00 –

South Atlantic ........................................................ 1.5 2.6 108.36 2.7 85.53 67.26 –

East South Central ................................................ 1.2 8.4 – 7.7 54.73 – –

West South Central ............................................... 0.8 4.2 0.00 3.8 0.00 0.00 –

Mountain ................................................................ 2.4 7.5 100.53 7.2 – 268.03 0.00

Pacific .................................................................... 4.9 6.1 86.09 5.1 85.53 – –

See footnotes at end of table.
Table 3. Standard errors for fee-for-service plans: Type and

amount of annual individual deductible,1 private industry workers,

National Compensation Survey, 2008—Continued

Characteristic Other

deductible

With no

deductible

Not

determinable

All workers ............................................................. 0.1 0.9 0.7

Worker characteristic

Management, professional, and related ................ – 1.0 0.5

Management, business, and financial ............... – 0.7 2 ( )

Professional and related .................................... – 1.5 0.6

Service ................................................................... – – –

Sales and office ..................................................... – 1.2 0.8

Sales and related ............................................... – 0.6 –

Office and administrative support ...................... – 1.6 1.1

Natural resources, construction, and maintenance – 1.8 0.6

Construction, extraction, farming, fishing, and

forestry ............................................................. – – –

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

Production, transportation, and material moving ... – 0.5 2 ( )

Production ......................................................... – – –

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

Full time ................................................................. 0.1 0.9 0.7

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

Union ..................................................................... – 1.7 1.6

Nonunion ............................................................... 0.1 0.9 0.6

Average wage within the following percentiles:3

Less than 10 ...................................................... – – –

10 to under 25 ................................................... – 1.2 –

25 to under 50 ................................................... 0.2 0.6 0.9

50 to under 75 ................................................... – 1.5 0.5

75 to under 90 ................................................... 0.1 1.1 0.4

90 or greater ...................................................... – 1.0 0.4

Establishment characteristic

Goods-producing industries ................................... – 1.0 0.4

Construction ...................................................... – – –

Manufacturing .................................................... – 0.9 2 ( )

Service-providing industries .................................. 0.2 1.1 0.8

Trade, transportation, and utilities ..................... – 0.6 0.4

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

Retail trade .................................................... – 1.0 0.6

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

Utilities ........................................................... – – –

Information ......................................................... – – –

Financial activities ............................................. – 1.3 2 ( )

Finance and insurance .................................. – 1.6 2 ( )

Credit intermediation and related activities – 2.9 –

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

Real estate and rental and leasing ................ – – –

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

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

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

See footnotes at end of table.
Table 3. Standard errors for fee-for-service plans: Type and

amount of annual individual deductible,1 private industry workers,

National Compensation Survey, 2008—Continued

Characteristic Other

deductible

With no

deductible

Not

determinable

Establishment characteristic

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

Educational services ...................................... – 1.3 –

Junior colleges, colleges, and universities – 1.9 –

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

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

Accommodation and food services ................ – – –

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

1 to 99 workers ...................................................... – 0.9 1.0

1 to 49 workers .................................................. – 0.7 1.5

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

100 workers or more .............................................. 0.2 1.3 0.9

100 to 499 workers ............................................ – 0.9 0.7

500 workers or more .......................................... – 2.6 1.7

Geographic area

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

Middle Atlantic ....................................................... – 2.2 0.4

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

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

South Atlantic ........................................................ – 1.0 1.3

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

West South Central ............................................... – 0.8 2 ( )

Mountain ................................................................ – – –

Pacific .................................................................... – – –

1 The deductible is the amount of covered

expenses that an individual or family must pay

before any charges are paid by the medical care

plan. Deductibles that apply separately to a

specific category of expenses, such as

deductible for each hospital admission, were

excluded. 2 Less than 0.05. 3 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and

below the threshold. The percentile values are

based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 4. Fee-for-service plans: Type and amount of annual family deductible,1 private industry workers,

National Compensation Survey, 2008

(All workers participating in fee-for-service plans = 100 percent)

Characteristic Total With

deductible

Fixed deductible Variable deductible

With fixed

deductible

Median

deductible

amount

With

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

All workers ............................................................. 100 88 37 $1,000 51 $1,000 $2,000 –

Worker characteristic

Management, professional, and related ................ 100 89 34 – 55 1,000 2,000 $600

Management, business, and financial ............... 100 90 33 1,000 56 1,000 1,800 –

Professional and related .................................... 100 89 35 1,500 54 1,000 2,000 500

Service ................................................................... 100 76 36 1,000 38 1,000 2,000 –

Sales and office ..................................................... 100 87 36 1,500 51 1,000 2,000 1,500

Sales and related ............................................... 100 93 36 1,500 56 1,000 2,000 1,500

Office and administrative support ...................... 100 85 36 1,500 48 1,000 1,800 –

Natural resources, construction, and maintenance 100 90 42 900 47 – – –

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 87 49 900 38 – – 4,000

Installation, maintenance, and repair ................. 100 92 35 800 56 – 2,000 –

Production, transportation, and material moving ... 100 93 39 900 54 990 2,000 2,000

Production ......................................................... 100 92 39 1,000 53 800 1,500 –

Transportation and material moving .................. 100 94 39 900 55 1,000 2,000 2,000

Full time ................................................................. 100 89 37 1,000 51 1,000 2,000 –

Part time ................................................................ 100 77 29 – 48 1,000 1,600 –

Union ..................................................................... 100 86 42 600 43 600 1,200 600

Nonunion ............................................................... 100 88 36 1,500 52 1,000 2,000 –

Average wage within the following percentiles:3

Less than 10 ...................................................... 100 82 – 1,000 57 1,000 – –

10 to under 25 ................................................... 100 76 32 – 43 1,000 2,000 –

25 to under 50 ................................................... 100 89 38 1,500 50 1,000 2,000 –

50 to under 75 ................................................... 100 89 36 – 53 1,000 1,750 1,500

75 to under 90 ................................................... 100 90 40 900 49 800 1,500 600

90 or greater ...................................................... 100 90 35 – 54 1,000 1,500 –

Establishment characteristic

Goods-producing industries ................................... 100 91 38 900 53 1,000 1,600 2,000

Construction ...................................................... 100 85 43 900 42 1,500 – –

Manufacturing .................................................... 100 93 36 1,000 56 900 1,500 2,000

Service-providing industries .................................. 100 87 36 1,400 50 1,000 2,000 –

Trade, transportation, and utilities ..................... 100 90 37 – 53 1,000 2,000 1,500

Wholesale trade ............................................. 100 93 41 – 52 1,000 2,000 –

Retail trade .................................................... 100 89 36 1,500 53 1,500 3,000 –

Transportation and warehousing ................... 100 89 33 – 56 750 1,500 –

Utilities ........................................................... 100 98 52 – 45 – – –

Information ......................................................... 100 88 27 900 61 600 1,500 600

Financial activities ............................................. 100 89 41 1,500 45 1,000 1,500 –

Finance and insurance .................................. 100 87 39 2,000 44 900 1,500 –

Credit intermediation and related activities 100 85 36 – 45 900 1,500 –

Insurance carriers and related activities .... 100 88 45 2,000 40 – 1,500 2,200

Real estate and rental and leasing ................ 100 94 49 – 46 – – –

Professional and business services .................. 100 86 45 1,500 40 – 1,500 –

Professional and technical services .............. 100 92 43 1,500 48 – – –

See footnotes at end of table.
Table 4. Fee-for-service plans: Type and amount of annual family deductible,1 private industry workers,

National Compensation Survey, 2008—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristic Total With

deductible

Fixed deductible Variable deductible

With fixed

deductible

Median

deductible

amount

With

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

Establishment characteristic

Administrative and waste services ................ 100 67 36 – 30 – – –

Education and health services ........................... 100 82 21 – 61 $1,000 $2,000 $600

Educational services ...................................... 100 88 24 $1,000 63 750 1,800 800

Junior colleges, colleges, and universities 100 87 22 – 63 750 1,500 800

Health care and social assistance ................. 100 81 21 – 60 1,000 2,000 500

Leisure and hospitality ....................................... 100 88 48 – 37 900 1,800 –

Accommodation and food services ................ 100 87 49 – 33 750 – –

Other services ................................................... 100 92 46 – 45 1,000 2,000 –

1 to 99 workers ...................................................... 100 88 41 1,500 47 1,500 2,200 –

1 to 49 workers .................................................. 100 88 38 1,500 49 1,500 2,400 –

50 to 99 workers ................................................ 100 89 47 1,000 41 – 2,000 –

100 workers or more .............................................. 100 88 33 1,000 54 900 1,500 800

100 to 499 workers ............................................ 100 93 33 – 59 1,000 1,800 –

500 workers or more .......................................... 100 82 34 900 47 700 1,500 750

Geographic area

New England ......................................................... 100 89 – 900 69 – 1,500 –

Middle Atlantic ....................................................... 100 86 30 1,200 56 600 1,500 1,050

East North Central ................................................. 100 86 31 1,000 55 1,000 2,000 2,000

West North Central ................................................ 100 91 44 1,000 47 1,000 2,000 –

South Atlantic ........................................................ 100 90 38 – 52 1,000 2,000 –

East South Central ................................................ 100 93 41 900 52 1,000 2,000 –

West South Central ............................................... 100 91 38 1,500 52 1,000 2,000 –

Mountain ................................................................ 100 86 42 1,500 41 – – –

Pacific .................................................................... 100 85 44 900 40 900 – –

See footnotes at end of table.
Table 4. Fee-for-service plans: Type and amount of annual family

deductible,1 private industry workers, National Compensation

Survey, 2008—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristic Other

deductible

With no

deductible

Not

determinable

All workers ............................................................. 1 10 2

Worker characteristic

Management, professional, and related ................ – 10 1

Management, business, and financial ............... – 10 2 ( )

Professional and related .................................... – 10 1

Service ................................................................... – 16 –

Sales and office ..................................................... – 11 1

Sales and related ............................................... – 7 –

Office and administrative support ...................... – 13 2

Natural resources, construction, and maintenance – 9 1

Construction, extraction, farming, fishing, and

forestry ............................................................. – – –

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

Production, transportation, and material moving ... – 7 2 ( )

Production ......................................................... – 7 –

Transportation and material moving .................. – 6 –

Full time ................................................................. 1 10 2

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

Union ..................................................................... – 11 3

Nonunion ............................................................... 1 10 1

Average wage within the following percentiles:3

Less than 10 ...................................................... – – –

10 to under 25 ................................................... – – –

25 to under 50 ................................................... 1 9 2

50 to under 75 ................................................... – 10 1

75 to under 90 ................................................... 1 10 1

90 or greater ...................................................... – 10 1

Establishment characteristic

Goods-producing industries ................................... – 8 1

Construction ...................................................... – 14 –

Manufacturing .................................................... – 7 2 ( )

Service-providing industries .................................. 1 11 2

Trade, transportation, and utilities ..................... – 9 1

Wholesale trade ............................................. – 6 –

Retail trade .................................................... – 10 1

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

Utilities ........................................................... – – –

Information ......................................................... – 12 –

Financial activities ............................................. – 11 2 ( )

Finance and insurance .................................. – 13 2 ( )

Credit intermediation and related activities – 15 –

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

Real estate and rental and leasing ................ – – –

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

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

See footnotes at end of table.
Table 4. Fee-for-service plans: Type and amount of annual family

deductible,1 private industry workers, National Compensation

Survey, 2008—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristic Other

deductible

With no

deductible

Not

determinable

Establishment characteristic

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

Education and health services ........................... – 15 –

Educational services ...................................... – 12 –

Junior colleges, colleges, and universities – 13 –

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

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

Accommodation and food services ................ – – –

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

1 to 99 workers ...................................................... – 10 2

1 to 49 workers .................................................. – 10 2

50 to 99 workers ................................................ – 10 –

100 workers or more .............................................. 1 10 2

100 to 499 workers ............................................ – 6 1

500 workers or more .......................................... – 16 2

Geographic area

New England ......................................................... – 11 –

Middle Atlantic ....................................................... – 12 1

East North Central ................................................. – 9 –

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

South Atlantic ........................................................ – 8 2

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

West South Central ............................................... – 9 2 ( )

Mountain ................................................................ – – –

Pacific .................................................................... – – –

1 The deductible is the amount of covered

expenses that an individual or family must pay

before any charges are paid by the medical care

plan. Deductibles that apply separately to a

specific category of expenses, such as

deductible for each hospital admission, were

excluded. 2 Less than 0.5 percent. 3 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and

below the threshold. The percentile values are

based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 4. Standard errors for fee-for-service plans: Type and amount of annual family deductible,1

private industry workers, National Compensation Survey, 2008

Characteristic With

deductible

Fixed deductible Variable deductible

With fixed

deductible

Median

deductible

amount

With

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

All workers ............................................................. 1.2 1.7 $143.18 1.8 $0.00 $67.97 –

Worker characteristic

Management, professional, and related ................ 1.3 2.7 – 2.8 19.62 404.98 $152.93

Management, business, and financial ............... 1.6 2.6 67.97 3.0 83.25 425.38 –

Professional and related .................................... 1.8 3.6 98.11 3.6 19.62 324.79 118.14

Service ................................................................... 4.2 4.9 260.49 4.3 197.19 372.68 –

Sales and office ..................................................... 2.2 2.3 85.53 2.1 0.00 39.24 362.20

Sales and related ............................................... 1.5 3.0 96.62 3.0 56.36 0.00 0.00

Office and administrative support ...................... 3.2 3.1 158.50 2.9 0.00 375.22 –

Natural resources, construction, and maintenance 2.5 4.2 89.92 3.8 – – –

Construction, extraction, farming, fishing, and

forestry ............................................................. 4.3 6.2 62.05 5.0 – – 0.00

Installation, maintenance, and repair ................. 2.2 4.7 107.02 4.9 – 412.75 –

Production, transportation, and material moving ... 1.3 3.3 114.83 3.1 221.42 492.46 98.11

Production ......................................................... 2.1 4.2 131.99 4.5 126.50 66.54 –

Transportation and material moving .................. 1.5 4.5 241.11 4.1 39.58 159.41 0.00

Full time ................................................................. 1.1 1.7 129.41 1.8 0.00 55.50 –

Part time ................................................................ 7.6 5.7 – 6.6 0.00 275.40 –

Union ..................................................................... 2.6 3.6 49.05 4.1 25.96 269.61 48.06

Nonunion ............................................................... 1.3 1.8 105.66 1.9 0.00 0.00 –

Average wage within the following percentiles:3

Less than 10 ...................................................... 6.5 – 106.12 7.6 260.49 – –

10 to under 25 ................................................... 5.6 5.1 – 4.8 0.00 0.00 –

25 to under 50 ................................................... 1.5 2.6 331.39 2.7 0.00 0.00 –

50 to under 75 ................................................... 1.7 2.5 – 2.6 0.00 392.24 376.40

75 to under 90 ................................................... 1.8 2.6 19.62 2.6 111.43 19.62 33.99

90 or greater ...................................................... 1.4 3.7 – 3.8 76.62 443.11 –

Establishment characteristic

Goods-producing industries ................................... 1.3 2.6 92.03 2.9 29.69 325.25 0.00

Construction ...................................................... 3.9 5.0 0.00 4.2 169.93 – –

Manufacturing .................................................... 1.5 3.3 65.08 3.7 184.07 110.12 416.23

Service-providing industries .................................. 1.4 2.0 347.00 2.0 0.00 39.24 –

Trade, transportation, and utilities ..................... 1.3 2.8 – 2.9 41.62 0.00 0.00

Wholesale trade ............................................. 1.8 5.2 – 4.9 117.73 39.24 –

Retail trade .................................................... 2.0 3.4 382.49 3.8 136.29 124.10 –

Transportation and warehousing ................... 3.9 6.6 – 6.3 127.92 375.38 –

Utilities ........................................................... 1.5 8.2 – 8.0 – – –

Information ......................................................... 3.1 5.1 29.43 5.2 137.00 210.79 0.00

Financial activities ............................................. 2.0 3.5 343.93 3.8 0.00 241.91 –

Finance and insurance .................................. 2.3 2.9 365.51 3.4 216.50 148.14 –

Credit intermediation and related activities 3.1 4.0 – 4.1 198.89 220.25 –

Insurance carriers and related activities .... 4.5 6.0 362.07 5.9 – 366.03 0.00

Real estate and rental and leasing ................ 5.5 12.3 – 11.1 – – –

Professional and business services .................. 3.9 5.6 216.73 5.4 – 449.08 –

Professional and technical services .............. 3.2 8.2 0.00 8.0 – – –

Administrative and waste services ................ 10.5 8.6 – 7.2 – – –

See footnotes at end of table.
Table 4. Standard errors for fee-for-service plans: Type and amount of annual family deductible,1

private industry workers, National Compensation Survey, 2008—Continued

Characteristic With

deductible

Fixed deductible Variable deductible

With fixed

deductible

Median

deductible

amount

With

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

Establishment characteristic

Education and health services ........................... 4.4 3.1 – 4.8 $0.00 $108.81 $137.35

Educational services ...................................... 3.0 4.1 $101.96 4.8 177.14 402.60 0.00

Junior colleges, colleges, and universities 3.0 3.2 – 3.6 13.87 217.39 0.00

Health care and social assistance ................. 5.2 3.5 – 5.4 9.81 88.84 145.85

Leisure and hospitality ....................................... 5.8 8.9 – 8.4 224.36 509.02 –

Accommodation and food services ................ 7.2 11.1 – 9.4 165.62 – –

Other services ................................................... 4.5 12.1 – 11.4 92.03 470.51 –

1 to 99 workers ...................................................... 1.7 2.7 144.19 2.7 311.48 494.83 –

1 to 49 workers .................................................. 2.1 3.1 0.00 3.4 227.13 667.34 –

50 to 99 workers ................................................ 2.6 4.6 138.74 4.0 – 358.46 –

100 workers or more .............................................. 1.6 2.1 92.03 2.2 125.79 62.82 230.92

100 to 499 workers ............................................ 1.2 3.0 – 3.2 0.00 314.65 –

500 workers or more .......................................... 3.1 2.6 0.00 2.6 113.14 211.31 173.01

Geographic area

New England ......................................................... 1.5 – 251.28 5.6 – 0.00 –

Middle Atlantic ....................................................... 2.5 3.7 260.31 5.0 148.46 367.08 0.00

East North Central ................................................. 2.9 3.3 157.28 4.3 121.75 272.06 541.64

West North Central ................................................ 2.4 6.1 43.87 5.6 80.90 27.75 –

South Atlantic ........................................................ 1.5 2.7 – 2.6 0.00 153.25 –

East South Central ................................................ 3.5 8.5 231.75 7.9 20.30 192.01 –

West South Central ............................................... 1.6 4.6 166.49 3.9 60.68 241.91 –

Mountain ................................................................ 6.6 8.7 172.18 7.3 – – –

Pacific .................................................................... 5.2 5.8 95.12 5.0 133.80 – –

See footnotes at end of table.
Table 4. Standard errors for fee-for-service plans: Type and

amount of annual family deductible,1 private industry workers,

National Compensation Survey, 2008—Continued

Characteristic Other

deductible

With no

deductible

Not

determinable

All workers ............................................................. 0.1 1.1 0.7

Worker characteristic

Management, professional, and related ................ – 1.4 0.5

Management, business, and financial ............... – 1.6 2 ( )

Professional and related .................................... – 1.8 0.6

Service ................................................................... – 4.0 –

Sales and office ..................................................... – 2.1 0.8

Sales and related ............................................... – 1.5 –

Office and administrative support ...................... – 3.0 1.1

Natural resources, construction, and maintenance – 2.4 0.6

Construction, extraction, farming, fishing, and

forestry ............................................................. – – –

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

Production, transportation, and material moving ... – 1.2 2 ( )

Production ......................................................... – 1.9 –

Transportation and material moving .................. – 1.5 –

Full time ................................................................. 0.1 1.0 0.7

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

Union ..................................................................... – 2.2 1.6

Nonunion ............................................................... 0.1 1.2 0.6

Average wage within the following percentiles:3

Less than 10 ...................................................... – – –

10 to under 25 ................................................... – – –

25 to under 50 ................................................... 0.2 1.2 0.9

50 to under 75 ................................................... – 1.7 0.5

75 to under 90 ................................................... 0.1 1.8 0.4

90 or greater ...................................................... – 1.5 0.4

Establishment characteristic

Goods-producing industries ................................... – 1.2 0.4

Construction ...................................................... – 3.8 –

Manufacturing .................................................... – 1.4 2 ( )

Service-providing industries .................................. 0.2 1.4 0.8

Trade, transportation, and utilities ..................... – 1.3 0.4

Wholesale trade ............................................. – 1.3 –

Retail trade .................................................... – 1.9 0.6

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

Utilities ........................................................... – – –

Information ......................................................... – 3.1 –

Financial activities ............................................. – 2.0 2 ( )

Finance and insurance .................................. – 2.3 2 ( )

Credit intermediation and related activities – 3.1 –

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

Real estate and rental and leasing ................ – – –

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

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

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

See footnotes at end of table.
Table 4. Standard errors for fee-for-service plans: Type and

amount of annual family deductible,1 private industry workers,

National Compensation Survey, 2008—Continued

Characteristic Other

deductible

With no

deductible

Not

determinable

Establishment characteristic

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

Educational services ...................................... – 3.0 –

Junior colleges, colleges, and universities – 3.0 –

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

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

Accommodation and food services ................ – – –

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

1 to 99 workers ...................................................... – 1.4 1.0

1 to 49 workers .................................................. – 1.6 1.5

50 to 99 workers ................................................ – 2.5 –

100 workers or more .............................................. 0.2 1.6 0.9

100 to 499 workers ............................................ – 1.0 0.7

500 workers or more .......................................... – 3.2 1.7

Geographic area

New England ......................................................... – 1.5 –

Middle Atlantic ....................................................... – 2.2 0.4

East North Central ................................................. – 1.6 –

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

South Atlantic ........................................................ – 1.3 1.3

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

West South Central ............................................... – 1.6 2 ( )

Mountain ................................................................ – – –

Pacific .................................................................... – – –

1 The deductible is the amount of covered

expenses that an individual or family must pay

before any charges are paid by the medical care

plan. Deductibles that apply separately to a

specific category of expenses, such as

deductible for each hospital admission, were

excluded. 2 Less than 0.05. 3 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and

below the threshold. The percentile values are

based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 5. Fee-for-service plans: Amount of annual individual deductible,1 private industry workers, National Compensation

Survey, 2008

(All workers participating in fee-for-service plans = 100 percent)

Characteristic 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 $150 $250 $500 $1,000 $1,500 5 2

Worker characteristic

Management, professional, and related ................ 100 93 200 250 500 1,000 1,500 6 1

Management, business, and financial ............... 100 94 200 250 500 1,000 1,500 5 2 ( )

Professional and related .................................... 100 92 200 250 500 1,000 1,500 7 1

Service ................................................................... 100 83 150 250 500 1,000 1,100 – –

Sales and office ..................................................... 100 93 200 250 500 1,000 2,000 5 1

Sales and related ............................................... 100 97 250 300 500 1,000 2,000 3 –

Office and administrative support ...................... 100 91 150 250 500 1,000 1,750 7 2

Natural resources, construction, and maintenance 100 92 150 250 300 750 2,000 6 1

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 92 100 250 300 500 2,000 – –

Installation, maintenance, and repair ................. 100 93 200 250 400 1,000 2,000 – –

Production, transportation, and material moving ... 100 98 200 250 350 750 1,500 2 2 ( )

Production ......................................................... 100 98 200 250 350 1,000 1,500 – –

Transportation and material moving .................. 100 97 150 250 400 750 1,500 – –

Full time ................................................................. 100 93 200 250 500 1,000 1,500 5 2

Part time ................................................................ 100 91 100 250 400 1,000 1,000 – –

Union ..................................................................... 100 90 150 200 275 350 750 6 3

Nonunion ............................................................... 100 93 200 250 500 1,000 1,750 5 1

Average wage within the following percentiles:3

Less than 10 ...................................................... 100 94 200 250 400 750 1,100 – –

10 to under 25 ................................................... 100 87 150 250 500 1,000 1,500 5 –

25 to under 50 ................................................... 100 95 200 250 500 1,000 1,750 3 2

50 to under 75 ................................................... 100 92 200 250 500 1,000 2,000 7 1

75 to under 90 ................................................... 100 94 150 250 300 750 1,500 5 1

90 or greater ...................................................... 100 93 150 250 500 1,000 1,500 6 1

Establishment characteristic

Goods-producing industries ................................... 100 95 200 250 400 1,000 1,500 5 1

Construction ...................................................... 100 90 150 250 400 750 2,000 – –

Manufacturing .................................................... 100 96 200 250 400 1,000 1,500 3 2 ( )

Service-providing industries .................................. 100 92 150 250 500 1,000 1,500 6 2

Trade, transportation, and utilities ..................... 100 96 200 250 500 1,000 2,000 3 1

Wholesale trade ............................................. 100 95 150 250 500 1,000 1,500 – –

Retail trade .................................................... 100 95 250 400 500 1,100 2,000 4 1

Transportation and warehousing ................... 100 99 150 150 250 500 1,100 – –

Utilities ........................................................... 100 98 100 250 400 1,500 2,500 – –

Information ......................................................... 100 94 150 250 300 500 1,100 – –

Financial activities ............................................. 100 92 250 300 500 1,250 2,000 8 2 ( )

Finance and insurance .................................. 100 90 250 300 500 1,500 2,000 10 2 ( )

Credit intermediation and related activities 100 87 250 250 500 1,100 2,500 13 –

Insurance carriers and related activities .... 100 93 250 300 900 1,500 2,000 – –

Real estate and rental and leasing ................ 100 99 250 300 500 1,000 2,250 – –

Professional and business services .................. 100 95 100 250 500 1,000 1,100 – –

Professional and technical services .............. 100 97 150 250 500 750 1,000 – –

Administrative and waste services ................ 100 89 100 100 250 500 1,000 – –

See footnotes at end of table.
Table 5. Fee-for-service plans: Amount of annual individual deductible,1 private industry workers, National Compensation

Survey, 2008—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristic Total With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Establishment characteristic

Education and health services ........................... 100 84 $200 $250 $500 $1,000 $1,500 – –

Educational services ...................................... 100 94 150 250 400 500 1,500 6 –

Junior colleges, colleges, and universities 100 90 200 250 400 500 1,100 10 –

Health care and social assistance ................. 100 82 250 250 500 1,000 1,500 – –

Leisure and hospitality ....................................... 100 95 200 250 500 750 1,000 – –

Accommodation and food services ................ 100 96 200 250 500 1,000 1,000 – –

Other services ................................................... 100 93 100 250 300 500 750 – –

1 to 99 workers ...................................................... 100 94 250 300 500 1,000 2,000 4 2

1 to 49 workers .................................................. 100 94 200 300 500 1,000 2,000 4 2

50 to 99 workers ................................................ 100 94 250 250 500 1,000 1,500 – –

100 workers or more .............................................. 100 92 150 250 350 750 1,500 7 2

100 to 499 workers ............................................ 100 95 200 250 500 1,000 1,500 4 1

500 workers or more .......................................... 100 88 100 200 300 500 1,200 10 2

Geographic area

New England ......................................................... 100 92 100 250 300 1,000 1,500 8 –

Middle Atlantic ....................................................... 100 90 150 250 350 1,000 1,750 8 1

East North Central ................................................. 100 92 200 250 400 1,000 2,000 – –

West North Central ................................................ 100 96 200 300 500 1,000 1,500 – –

South Atlantic ........................................................ 100 93 200 250 500 1,000 1,500 5 2

East South Central ................................................ 100 98 150 250 500 1,000 1,500 – –

West South Central ............................................... 100 96 250 300 500 1,000 1,500 4 2 ( )

Mountain ................................................................ 100 93 150 300 500 1,000 1,000 – –

Pacific .................................................................... 100 89 150 250 350 1,000 1,500 – –

1 The deductible is the amount of covered expenses that an individual or family must

pay before any charges are paid by the medical care plan. Deductibles that apply

separately to a specific category of expenses, such as deductible for each hospital

admission, were excluded. 2 Less than 0.5 percent. 3 The percentile groupings are based on the average wage for each occupation

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

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

Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 5. Standard errors for fee-for-service plans: Amount of annual individual deductible,1 private industry workers,

National Compensation Survey, 2008

Characteristic With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. 1.1 $51.68 $0.00 $0.00 $0.00 $146.65 0.9 0.7

Worker characteristic

Management, professional, and related ................ 1.0 61.27 0.00 0.00 0.00 0.00 1.0 0.5

Management, business, and financial ............... 0.7 46.02 0.00 71.42 0.00 272.82 0.7 2 ( )

Professional and related .................................... 1.5 70.75 19.62 0.00 0.00 290.54 1.5 0.6

Service ................................................................... 5.0 69.37 29.43 146.51 285.69 547.47 – –

Sales and office ..................................................... 1.4 65.81 10.20 0.00 0.00 400.20 1.2 0.8

Sales and related ............................................... 0.6 0.00 0.00 0.00 0.00 834.33 0.6 –

Office and administrative support ...................... 2.0 55.50 0.00 43.87 49.05 405.10 1.6 1.1

Natural resources, construction, and maintenance 2.0 36.71 0.00 61.61 427.64 0.00 1.8 0.6

Construction, extraction, farming, fishing, and

forestry ............................................................. 3.2 74.72 49.05 27.26 380.35 196.21 – –

Installation, maintenance, and repair ................. 2.1 32.54 0.00 136.27 84.96 259.57 – –

Production, transportation, and material moving ... 0.6 48.56 0.00 65.00 352.09 204.38 0.5 2 ( )

Production ......................................................... 0.9 9.81 39.55 67.86 361.93 138.74 – –

Transportation and material moving .................. 0.7 31.41 0.00 67.89 295.63 363.79 – –

Full time ................................................................. 1.1 62.05 0.00 0.00 0.00 258.72 0.9 0.7

Part time ................................................................ 2.8 90.98 73.42 150.07 204.62 400.80 – –

Union ..................................................................... 2.3 9.81 9.81 47.81 67.04 378.83 1.7 1.6

Nonunion ............................................................... 1.1 35.37 0.00 0.00 0.00 387.11 0.9 0.6

Average wage within the following percentiles:3

Less than 10 ...................................................... 5.8 74.07 52.83 147.49 307.28 136.29 – –

10 to under 25 ................................................... 5.1 90.98 42.76 70.75 350.72 284.51 1.2 –

25 to under 50 ................................................... 1.1 27.75 28.42 0.00 0.00 343.37 0.6 0.9

50 to under 75 ................................................... 1.6 67.08 0.00 27.75 0.00 525.03 1.5 0.5

75 to under 90 ................................................... 1.2 13.87 0.00 16.27 189.05 379.83 1.1 0.4

90 or greater ...................................................... 0.9 29.43 12.17 0.00 88.84 179.83 1.0 0.4

Establishment characteristic

Goods-producing industries ................................... 1.1 0.00 21.38 98.11 185.37 619.28 1.0 0.4

Construction ...................................................... 2.9 75.36 31.02 124.81 465.57 0.00 – –

Manufacturing .................................................... 1.0 0.00 36.05 109.25 151.67 114.41 0.9 2 ( )

Service-providing industries .................................. 1.4 13.87 0.00 0.00 0.00 158.50 1.1 0.8

Trade, transportation, and utilities ..................... 0.8 57.21 1.96 0.00 0.00 398.84 0.6 0.4

Wholesale trade ............................................. 1.9 75.99 3.92 124.10 337.98 663.32 – –

Retail trade .................................................... 1.2 0.00 53.74 165.33 286.20 896.81 1.0 0.6

Transportation and warehousing ................... 0.8 59.68 58.86 33.99 46.02 1,719.73 – –

Utilities ........................................................... 1.4 24.03 62.05 164.16 705.89 572.06 – –

Information ......................................................... 2.8 25.96 9.81 0.00 0.00 124.87 – –

Financial activities ............................................. 1.3 0.00 0.00 19.62 241.11 308.37 1.3 2 ( )

Finance and insurance .................................. 1.6 29.43 16.99 39.24 127.16 298.54 1.6 2 ( )

Credit intermediation and related activities 2.9 52.83 58.04 0.00 245.27 751.98 2.9 –

Insurance carriers and related activities .... 2.4 16.99 116.91 216.06 0.00 237.29 – –

Real estate and rental and leasing ................ 0.6 0.00 145.85 120.16 332.70 724.27 – –

Professional and business services .................. 2.7 60.48 66.54 261.60 288.37 554.28 – –

Professional and technical services .............. 1.6 0.00 9.81 55.50 335.29 341.55 – –

Administrative and waste services ................ 9.3 67.26 76.62 59.68 167.93 369.17 – –

See footnotes at end of table.
Table 5. Standard errors for fee-for-service plans: Amount of annual individual deductible,1 private industry workers,

National Compensation Survey, 2008—Continued

Characteristic With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Establishment characteristic

Education and health services ........................... 4.6 $61.27 $0.00 $49.05 $49.05 $261.60 – –

Educational services ...................................... 1.3 62.05 0.00 125.25 72.09 642.43 1.3 –

Junior colleges, colleges, and universities 1.9 64.33 0.00 111.00 55.50 426.74 1.9 –

Health care and social assistance ................. 5.2 68.67 0.00 42.76 0.00 308.06 – –

Leisure and hospitality ....................................... 2.1 35.37 43.87 116.08 405.81 0.00 – –

Accommodation and food services ................ 2.1 24.03 62.05 124.10 634.37 16.99 – –

Other services ................................................... 4.2 0.00 204.85 215.17 0.00 373.58 – –

1 to 99 workers ...................................................... 1.4 69.37 49.67 0.00 0.00 49.05 0.9 1.0

1 to 49 workers .................................................. 1.6 75.99 39.63 0.00 184.07 406.29 0.7 1.5

50 to 99 workers ................................................ 2.2 57.21 64.15 58.86 0.00 550.62 – –

100 workers or more .............................................. 1.5 0.00 0.00 62.82 99.59 147.81 1.3 0.9

100 to 499 workers ............................................ 1.0 0.00 0.00 27.75 274.17 56.36 0.9 0.7

500 workers or more .......................................... 3.0 66.54 24.03 0.00 46.02 83.25 2.6 1.7

Geographic area

New England ......................................................... 2.1 70.75 46.02 153.87 500.25 212.46 2.1 –

Middle Atlantic ....................................................... 2.4 0.00 42.76 85.67 98.11 371.34 2.2 0.4

East North Central ................................................. 3.6 4.91 0.00 141.49 43.87 396.33 – –

West North Central ................................................ 1.5 62.05 55.50 0.00 205.09 891.43 – –

South Atlantic ........................................................ 1.5 76.62 9.81 73.42 293.41 184.85 1.0 1.3

East South Central ................................................ 1.2 70.75 0.00 150.01 413.22 396.94 – –

West South Central ............................................... 0.8 65.08 0.00 0.00 0.00 627.24 0.8 2 ( )

Mountain ................................................................ 2.4 103.36 62.60 74.72 120.16 0.00 – –

Pacific .................................................................... 4.9 0.00 0.00 67.49 110.12 396.09 – –

1 The deductible is the amount of covered expenses that an individual or family

must pay before any charges are paid by the medical care plan. Deductibles that apply

separately to a specific category of expenses, such as deductible for each hospital

admission, were excluded. 2 Less than 0.05. 3 The percentile groupings are based on the average wage for each occupation

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

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 6. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation

Survey, 2008

(All workers participating in fee-for-service plans = 100 percent)

Characteristic 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 88 $450 $600 $1,000 $2,000 $4,000 10 2

Worker characteristic

Management, professional, and related ................ 100 89 450 600 1,000 2,000 3,000 10 1

Management, business, and financial ............... 100 90 450 500 1,000 2,200 3,500 10 1 ( )

Professional and related .................................... 100 89 450 600 1,000 2,000 3,000 10 1

Service ................................................................... 100 76 400 700 1,000 2,000 3,000 16 –

Sales and office ..................................................... 100 87 500 600 1,000 2,250 4,500 11 1

Sales and related ............................................... 100 93 500 750 1,200 2,400 4,500 7 –

Office and administrative support ...................... 100 85 450 600 1,000 2,000 4,000 13 2

Natural resources, construction, and maintenance 100 90 400 600 900 2,000 4,000 9 1

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 87 300 500 900 1,500 5,500 – –

Installation, maintenance, and repair ................. 100 92 450 600 900 2,000 4,000 – –

Production, transportation, and material moving ... 100 93 400 500 990 2,000 3,000 7 1 ( )

Production ......................................................... 100 92 400 600 900 2,000 3,000 7 –

Transportation and material moving .................. 100 94 400 500 1,000 2,000 4,000 6 –

Full time ................................................................. 100 89 450 600 1,000 2,000 4,000 10 2

Part time ................................................................ 100 77 500 700 1,000 2,000 3,000 – –

Union ..................................................................... 100 86 300 450 600 900 2,000 11 3

Nonunion ............................................................... 100 88 500 600 1,000 2,200 4,000 10 1

Average wage within the following percentiles:2

Less than 10 ...................................................... 100 82 450 750 1,000 2,000 3,000 – –

10 to under 25 ................................................... 100 76 500 750 1,000 2,000 3,000 – –

25 to under 50 ................................................... 100 89 500 600 1,000 2,250 4,000 9 2

50 to under 75 ................................................... 100 89 450 500 1,000 2,000 4,300 10 1

75 to under 90 ................................................... 100 90 400 500 900 1,800 3,000 10 1

90 or greater ...................................................... 100 90 450 600 1,000 2,164 3,000 10 1

Establishment characteristic

Goods-producing industries ................................... 100 91 450 600 1,000 2,000 4,000 8 1

Construction ...................................................... 100 85 400 750 1,000 2,000 5,500 14 –

Manufacturing .................................................... 100 93 450 600 1,000 2,000 3,000 7 1 ( )

Service-providing industries .................................. 100 87 450 600 1,000 2,000 3,500 11 2

Trade, transportation, and utilities ..................... 100 90 450 600 1,000 2,250 5,000 9 1

Wholesale trade ............................................. 100 93 450 600 1,000 2,000 3,000 6 –

Retail trade .................................................... 100 89 600 900 1,500 3,000 5,250 10 1

Transportation and warehousing ................... 100 89 400 500 700 1,500 3,300 – –

Utilities ........................................................... 100 98 300 500 900 3,000 5,000 – –

Information ......................................................... 100 88 450 500 750 1,200 2,200 12 –

Financial activities ............................................. 100 89 500 700 1,200 3,000 4,500 11 1 ( )

Finance and insurance .................................. 100 87 500 600 1,200 3,000 4,500 13 1 ( )

Credit intermediation and related activities 100 85 500 600 1,000 3,000 5,000 15 –

Insurance carriers and related activities .... 100 88 600 750 2,000 3,000 4,200 – –

Real estate and rental and leasing ................ 100 94 500 700 1,000 2,250 4,500 – –

Professional and business services .................. 100 86 450 500 1,000 2,000 3,000 – –

Professional and technical services .............. 100 92 450 500 1,500 1,800 3,000 – –

Administrative and waste services ................ 100 67 400 500 900 1,500 3,000 – –

See footnotes at end of table.
Table 6. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation

Survey, 2008—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristic Total With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Establishment characteristic

Education and health services ........................... 100 82 $500 $500 $1,000 $2,000 $3,000 15 –

Educational services ...................................... 100 88 450 600 900 1,500 2,000 12 –

Junior colleges, colleges, and universities 100 87 450 600 800 1,500 3,000 13 –

Health care and social assistance ................. 100 81 500 500 1,000 2,000 3,000 – –

Leisure and hospitality ....................................... 100 88 400 750 1,000 1,650 3,000 – –

Accommodation and food services ................ 100 87 400 750 1,000 3,000 3,000 – –

Other services ................................................... 100 92 300 500 900 1,500 1,500 – –

1 to 99 workers ...................................................... 100 88 500 750 1,500 2,800 4,500 10 2

1 to 49 workers .................................................. 100 88 500 750 1,500 3,000 5,250 10 2

50 to 99 workers ................................................ 100 89 500 700 1,000 2,000 3,000 10 –

100 workers or more .............................................. 100 88 400 500 900 1,500 3,000 10 2

100 to 499 workers ............................................ 100 93 450 550 1,000 2,000 3,000 6 1

500 workers or more .......................................... 100 82 400 500 750 1,500 3,000 16 2

Geographic area

New England ......................................................... 100 89 300 500 900 2,000 3,000 11 –

Middle Atlantic ....................................................... 100 86 400 500 1,000 2,000 4,000 12 1

East North Central ................................................. 100 86 500 550 1,000 2,000 4,000 9 –

West North Central ................................................ 100 91 500 600 1,000 2,000 4,000 – –

South Atlantic ........................................................ 100 90 450 600 1,000 2,000 3,000 8 2

East South Central ................................................ 100 93 450 600 1,000 1,600 3,000 – –

West South Central ............................................... 100 91 500 750 1,200 2,400 4,500 9 1 ( )

Mountain ................................................................ 100 86 500 800 1,500 2,000 3,000 – –

Pacific .................................................................... 100 85 450 500 900 2,250 4,000 – –

1 Less than 0.5 percent. 2 The percentile groupings are based on the average wage for each occupation

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

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

Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 6. Standard errors for fee-for-service plans: Amount of annual family deductible,1 private industry workers,

National Compensation Survey, 2008

Characteristic With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................. 1.2 $13.87 $9.81 $0.00 $0.00 $940.54 1.1 0.7

Worker characteristic

Management, professional, and related ................ 1.3 38.00 112.72 0.00 220.82 250.76 1.4 0.5

Management, business, and financial ............... 1.6 27.75 109.25 43.87 173.18 957.08 1.6 2 ( )

Professional and related .................................... 1.8 55.50 94.10 274.35 139.28 0.00 1.8 0.6

Service ................................................................... 4.2 49.05 107.02 181.43 1,236.66 1,125.67 4.0 –

Sales and office ..................................................... 2.2 50.18 27.75 57.21 307.41 571.38 2.1 0.8

Sales and related ............................................... 1.5 0.00 68.67 359.26 292.68 1,285.61 1.5 –

Office and administrative support ...................... 3.2 54.13 101.01 0.00 245.07 682.53 3.0 1.1

Natural resources, construction, and maintenance 2.5 69.55 106.57 32.89 459.74 1,602.60 2.4 0.6

Construction, extraction, farming, fishing, and

forestry ............................................................. 4.3 124.10 144.19 19.62 815.17 1,020.12 – –

Installation, maintenance, and repair ................. 2.2 61.27 29.43 163.72 174.40 438.75 – –

Production, transportation, and material moving ... 1.3 73.42 75.99 150.91 473.06 1,007.40 1.2 2 ( )

Production ......................................................... 2.1 82.67 59.68 116.08 569.70 392.43 1.9 –

Transportation and material moving .................. 1.5 65.08 0.00 133.87 466.50 1,494.32 1.5 –

Full time ................................................................. 1.1 13.87 21.94 0.00 45.51 611.96 1.0 0.7

Part time ................................................................ 7.6 50.98 167.36 13.87 0.00 0.00 – –

Union ..................................................................... 2.6 40.45 54.62 9.81 83.25 569.02 2.2 1.6

Nonunion ............................................................... 1.3 56.49 19.62 147.49 201.92 210.42 1.2 0.6

Average wage within the following percentiles:3

Less than 10 ...................................................... 6.5 62.05 101.96 74.07 513.35 131.62 – –

10 to under 25 ................................................... 5.6 19.62 76.62 138.74 382.99 196.21 – –

25 to under 50 ................................................... 1.5 32.54 19.62 121.75 358.59 415.77 1.2 0.9

50 to under 75 ................................................... 1.7 53.74 77.87 0.00 89.79 521.72 1.7 0.5

75 to under 90 ................................................... 1.8 33.27 0.00 67.97 401.16 1,472.26 1.8 0.4

90 or greater ...................................................... 1.4 51.91 0.00 67.97 335.25 329.76 1.5 0.4

Establishment characteristic

Goods-producing industries ................................... 1.3 59.68 0.00 70.91 129.04 895.73 1.2 0.4

Construction ...................................................... 3.9 122.93 187.18 98.42 412.52 985.96 3.8 –

Manufacturing .................................................... 1.5 59.68 36.71 80.90 241.91 968.43 1.4 2 ( )

Service-providing industries .................................. 1.4 0.00 83.25 0.00 106.35 924.26 1.4 0.8

Trade, transportation, and utilities ..................... 1.3 47.05 155.43 220.47 250.67 534.57 1.3 0.4

Wholesale trade ............................................. 1.8 125.25 80.30 131.62 148.41 1,485.91 1.3 –

Retail trade .................................................... 2.0 138.74 96.12 19.62 0.00 625.50 1.9 0.6

Transportation and warehousing ................... 3.9 49.05 58.86 146.18 245.66 2,668.17 – –

Utilities ........................................................... 1.5 33.99 120.56 146.83 1,181.37 1,092.47 – –

Information ......................................................... 3.1 0.00 48.06 186.15 458.80 196.85 3.1 –

Financial activities ............................................. 2.0 0.00 116.08 333.85 290.37 335.86 2.0 2 ( )

Finance and insurance .................................. 2.3 0.00 58.86 354.27 78.49 524.67 2.3 2 ( )

Credit intermediation and related activities 3.1 9.81 19.62 96.12 624.89 952.40 3.1 –

Insurance carriers and related activities .... 4.5 138.74 209.50 347.97 39.24 428.09 – –

Real estate and rental and leasing ................ 5.5 101.96 197.19 404.51 915.08 1,019.56 – –

Professional and business services .................. 3.9 159.10 43.87 323.60 300.79 1,079.18 – –

Professional and technical services .............. 3.2 66.54 33.99 691.50 429.44 333.56 – –

Administrative and waste services ................ 10.5 183.80 75.36 135.94 710.85 2,462.39 – –

See footnotes at end of table.
Table 6. Standard errors for fee-for-service plans: Amount of annual family deductible,1 private industry workers,

National Compensation Survey, 2008—Continued

Characteristic With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Establishment characteristic

Education and health services ........................... 4.4 $74.72 $85.53 $19.62 $111.00 $392.43 4.0 –

Educational services ...................................... 3.0 81.49 124.10 221.99 155.74 871.61 3.0 –

Junior colleges, colleges, and universities 3.0 44.96 133.08 221.12 0.00 928.19 3.0 –

Health care and social assistance ................. 5.2 67.26 83.25 39.24 311.63 1,034.74 – –

Leisure and hospitality ....................................... 5.8 58.86 294.16 351.68 1,906.97 0.00 – –

Accommodation and food services ................ 7.2 75.99 298.22 458.17 2,091.34 0.00 – –

Other services ................................................... 4.5 65.08 290.87 210.42 582.31 717.46 – –

1 to 99 workers ...................................................... 1.7 0.00 82.67 133.08 590.28 659.95 1.4 1.0

1 to 49 workers .................................................. 2.1 40.45 79.70 0.00 98.11 480.52 1.6 1.5

50 to 99 workers ................................................ 2.6 0.00 138.40 119.35 0.00 0.00 2.5 –

100 workers or more .............................................. 1.6 54.62 0.00 144.25 452.78 0.00 1.6 0.9

100 to 499 workers ............................................ 1.2 50.02 97.62 0.00 290.04 0.00 1.0 0.7

500 workers or more .......................................... 3.1 86.09 0.00 58.04 0.00 0.00 3.2 1.7

Geographic area

New England ......................................................... 1.5 141.49 16.99 116.08 782.52 283.66 1.5 –

Middle Atlantic ....................................................... 2.5 124.10 0.00 196.09 128.41 1,658.85 2.2 0.4

East North Central ................................................. 2.9 70.75 96.12 55.50 349.63 658.12 1.6 –

West North Central ................................................ 2.4 50.02 148.79 0.00 399.72 1,283.52 – –

South Atlantic ........................................................ 1.5 21.94 0.00 124.10 67.97 710.99 1.3 1.3

East South Central ................................................ 3.5 74.07 117.73 116.84 545.09 300.15 – –

West South Central ............................................... 1.6 47.05 103.36 461.62 733.46 738.87 1.6 2 ( )

Mountain ................................................................ 6.6 51.91 118.54 287.71 1,033.88 0.00 – –

Pacific .................................................................... 5.2 56.36 43.87 0.00 574.58 1,484.63 – –

1 The deductible is the amount of covered expenses that an individual or family

must pay before any charges are paid by the medical care plan. Deductibles that apply

separately to a specific category of expenses, such as deductible for each hospital

admission, were excluded. 2 Less than 0.05. 3 The percentile groupings are based on the average wage for each occupation

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

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 7. Fee-for-service plans: Amount of coinsurance,1 private industry workers, National Compensation

Survey, 2008

(All workers participating in fee-for-service plans with coinsurance = 100 percent)

Characteristic Total

Fixed coinsurance Variable coinsurance

With fixed

coinsurance

Median

coinsurance

percentage

With

variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Point-ofservice

All workers ............................................................. 100 14 80 85 80 60 90

Worker characteristic

Management, professional, and related ................ 100 13 80 87 80 60 90

Management, business, and financial ............... 100 9 80 91 80 65 100

Professional and related .................................... 100 15 80 84 80 60 90

Service ................................................................... 100 14 70 85 80 60 100

Sales and office ..................................................... 100 15 80 84 80 60 90

Sales and related ............................................... 100 12 80 88 80 60 90

Office and administrative support ...................... 100 16 80 82 80 60 90

Natural resources, construction, and maintenance 100 22 80 78 90 70 100

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 22 80 78 80 65 100

Installation, maintenance, and repair ................. 100 22 80 78 90 70 100

Production, transportation, and material moving ... 100 10 80 90 80 60 90

Production ......................................................... 100 8 80 92 80 60 90

Transportation and material moving .................. 100 13 80 87 80 60 90

Full time ................................................................. 100 13 80 86 80 60 90

Part time ................................................................ 100 23 80 71 80 60 100

Union ..................................................................... 100 20 80 79 85 70 100

Nonunion ............................................................... 100 13 80 86 80 60 90

Average wage within the following percentiles:2

Less than 10 ...................................................... 100 – 75 – 80 60 –

10 to under 25 ................................................... 100 – 80 – 80 60 90

25 to under 50 ................................................... 100 12 80 88 80 60 90

50 to under 75 ................................................... 100 14 80 85 80 60 90

75 to under 90 ................................................... 100 17 80 82 80 60 100

90 or greater ...................................................... 100 13 80 87 85 70 90

Establishment characteristic

Goods-producing industries ................................... 100 11 80 89 80 60 90

Construction ...................................................... 100 19 80 81 80 60 –

Manufacturing .................................................... 100 8 80 92 80 60 90

Service-providing industries .................................. 100 15 80 84 80 60 90

Trade, transportation, and utilities ..................... 100 11 80 89 80 60 90

Wholesale trade ............................................. 100 11 80 89 80 60 90

Retail trade .................................................... 100 10 80 90 80 60 80

Transportation and warehousing ................... 100 17 80 83 90 70 90

Utilities ........................................................... 100 – 75 – 80 60 –

Information ......................................................... 100 29 80 71 90 70 100

Financial activities ............................................. 100 18 80 80 80 60 90

Finance and insurance .................................. 100 19 80 78 90 70 90

Credit intermediation and related activities 100 16 80 79 85 60 90

Insurance carriers and related activities .... 100 23 80 75 90 70 99

Real estate and rental and leasing ................ 100 – 80 – 80 60 –

Professional and business services .................. 100 19 80 79 80 65 100

Professional and technical services .............. 100 – 80 – 90 70 90

Administrative and waste services ................ 100 – 80 – 80 65 –

See footnotes at end of table.
Table 7. Fee-for-service plans: Amount of coinsurance,1 private industry workers, National Compensation

Survey, 2008—Continued

(All workers participating in fee-for-service plans with coinsurance = 100 percent)

Characteristic Total

Fixed coinsurance Variable coinsurance

With fixed

coinsurance

Median

coinsurance

percentage

With

variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Point-ofservice

Establishment characteristic

Education and health services ........................... 100 9 70 90 80 60 100

Educational services ...................................... 100 – 80 – 90 65 100

Junior colleges, colleges, and universities 100 10 80 87 90 70 100

Health care and social assistance ................. 100 9 70 90 80 60 100

Leisure and hospitality ....................................... 100 – 80 – 80 60 –

Accommodation and food services ................ 100 – 60 – 80 60 –

Other services ................................................... 100 – 80 – 90 70 –

1 to 99 workers ...................................................... 100 16 80 84 80 60 90

1 to 49 workers .................................................. 100 15 80 85 80 60 90

50 to 99 workers ................................................ 100 17 80 82 80 60 90

100 workers or more .............................................. 100 13 80 87 80 60 90

100 to 499 workers ............................................ 100 11 80 89 80 60 100

500 workers or more .......................................... 100 15 80 83 80 65 90

Geographic area

New England ......................................................... 100 – 80 – 80 70 100

Middle Atlantic ....................................................... 100 – 80 – 90 70 100

East North Central ................................................. 100 9 80 90 80 60 90

West North Central ................................................ 100 – 80 – 80 60 90

South Atlantic ........................................................ 100 14 80 86 80 60 90

East South Central ................................................ 100 – 80 – 90 60 90

West South Central ............................................... 100 8 80 91 80 60 90

Mountain ................................................................ 100 24 80 73 80 60 80

Pacific .................................................................... 100 13 80 87 80 60 90

1 Represents the initial coinsurance in plans that have 100 percent

coverage after the individual pays a specified dollar amount toward expenses.

For example, the plan pays 80 percent until the individual’s out-of-pocket

expenses reach $1,000, and then coverage is 100 percent. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 7. Standard errors for fee-for-service plans: Amount of coinsurance,1 private industry

workers, National Compensation Survey, 2008

Characteristic

Fixed coinsurance Variable coinsurance

With fixed

coinsurance

Median

coinsurance

percentage

With

variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Point-ofservice

All workers ............................................................. 1.3 0.00 1.3 0.00 0.00 0.00

Worker characteristic

Management, professional, and related ................ 2.6 0.00 2.5 0.00 1.70 5.97

Management, business, and financial ............... 1.4 0.00 1.5 0.00 7.41 9.31

Professional and related .................................... 3.8 0.00 3.5 0.00 0.00 4.05

Service ................................................................... 3.5 14.98 3.5 0.00 0.00 10.62

Sales and office ..................................................... 1.6 0.00 2.2 0.00 0.00 0.00

Sales and related ............................................... 1.9 0.00 1.9 0.00 0.00 2.77

Office and administrative support ...................... 2.0 0.00 3.1 0.00 0.00 0.00

Natural resources, construction, and maintenance 3.5 0.00 3.5 5.10 4.50 7.60

Construction, extraction, farming, fishing, and

forestry ............................................................. 4.8 0.00 4.8 10.84 9.76 12.87

Installation, maintenance, and repair ................. 4.6 0.00 4.6 0.00 0.00 7.85

Production, transportation, and material moving ... 1.7 0.00 1.8 0.00 0.00 0.00

Production ......................................................... 2.1 0.00 2.2 0.00 2.40 2.77

Transportation and material moving .................. 2.5 0.00 2.5 5.10 0.98 7.07

Full time ................................................................. 1.1 0.00 1.1 0.00 0.00 0.00

Part time ................................................................ 6.5 0.00 9.5 3.54 1.68 7.14

Union ..................................................................... 2.9 0.00 2.9 4.50 2.77 0.00

Nonunion ............................................................... 1.4 0.00 1.5 0.00 0.00 0.00

Average wage within the following percentiles:2

Less than 10 ...................................................... – 13.13 – 5.00 0.00 –

10 to under 25 ................................................... – 2.60 – 0.00 0.00 0.00

25 to under 50 ................................................... 1.2 0.00 1.2 0.00 0.00 0.00

50 to under 75 ................................................... 1.7 0.00 1.6 0.00 0.00 0.00

75 to under 90 ................................................... 2.3 0.00 2.3 8.21 5.74 7.14

90 or greater ...................................................... 2.7 0.00 2.5 6.65 6.51 11.56

Establishment characteristic

Goods-producing industries ................................... 1.7 0.00 1.7 0.00 2.40 0.00

Construction ...................................................... 3.8 0.00 3.8 0.00 0.00 –

Manufacturing .................................................... 1.8 0.00 1.8 0.00 6.13 1.96

Service-providing industries .................................. 1.5 0.00 1.6 0.00 0.00 3.10

Trade, transportation, and utilities ..................... 1.6 0.00 1.6 0.00 0.00 3.40

Wholesale trade ............................................. 2.6 0.00 2.6 5.64 0.00 2.77

Retail trade .................................................... 2.0 0.00 2.0 0.00 0.00 4.81

Transportation and warehousing ................... 4.2 0.00 4.2 5.89 0.00 0.00

Utilities ........................................................... – 9.61 – 1.96 3.25 –

Information ......................................................... 6.0 0.00 6.0 6.80 11.27 4.81

Financial activities ............................................. 3.1 0.00 3.2 7.28 7.47 5.86

Finance and insurance .................................. 3.1 0.00 3.3 5.89 3.67 5.86

Credit intermediation and related activities 3.1 0.00 3.8 6.58 6.94 0.00

Insurance carriers and related activities .... 6.4 0.00 6.6 7.01 1.70 6.65

Real estate and rental and leasing ................ – 0.00 – 0.00 0.00 –

Professional and business services .................. 5.0 0.00 5.7 8.21 8.32 12.10

Professional and technical services .............. – 0.00 – 7.66 0.00 13.87

Administrative and waste services ................ – 0.00 – 4.50 6.73 –

See footnotes at end of table.
Table 7. Standard errors for fee-for-service plans: Amount of coinsurance,1 private industry

workers, National Compensation Survey, 2008—Continued

Characteristic

Fixed coinsurance Variable coinsurance

With fixed

coinsurance

Median

coinsurance

percentage

With

variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Point-ofservice

Establishment characteristic

Education and health services ........................... 2.2 14.94 2.2 0.00 0.00 4.06

Educational services ...................................... – 0.00 – 8.21 8.09 1.96

Junior colleges, colleges, and universities 3.0 0.00 3.9 0.00 0.98 0.00

Health care and social assistance ................. 2.5 17.44 2.5 0.00 0.00 5.22

Leisure and hospitality ....................................... – 20.86 – 5.00 0.00 –

Accommodation and food services ................ – 16.30 – 2.94 0.00 –

Other services ................................................... – 0.00 – 0.00 0.00 –

1 to 99 workers ...................................................... 2.1 0.00 2.2 0.00 0.00 1.70

1 to 49 workers .................................................. 2.5 0.00 2.5 0.00 0.00 7.21

50 to 99 workers ................................................ 3.4 0.00 3.4 1.96 0.00 2.77

100 workers or more .............................................. 1.2 0.00 1.4 0.00 0.00 2.98

100 to 499 workers ............................................ 1.7 0.00 1.7 0.00 0.00 13.02

500 workers or more .......................................... 1.7 0.00 2.4 0.00 5.80 0.00

Geographic area

New England ......................................................... – 0.00 – 10.20 8.27 0.00

Middle Atlantic ....................................................... – 0.00 – 0.00 0.00 0.00

East North Central ................................................. 1.7 0.00 1.8 0.00 0.00 0.00

West North Central ................................................ – 0.00 – 0.00 0.00 1.96

South Atlantic ........................................................ 1.7 0.00 1.7 0.00 0.00 2.77

East South Central ................................................ – 0.00 – 7.85 11.69 13.34

West South Central ............................................... 1.8 0.00 1.8 0.00 0.00 5.55

Mountain ................................................................ 5.2 0.00 6.8 0.00 0.00 0.00

Pacific .................................................................... 2.4 0.00 2.4 3.92 7.51 10.28

1 Represents the initial coinsurance in plans that have 100 percent

coverage after the individual pays a specified dollar amount towrad

expenses. For example, the plan pays 80 percent until the individual’s

out-of-pocket expenses reach $1,000, and then coverage is 100 percent. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below

the threshold. The percentile values are based on the estimates

published in the "National Compensation Survey: Occupational Earnings

in the United States, 2007." 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/glossary20082009.htm.
Table 8. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry workers, National

Compensation Survey, 2008

(All workers participating in fee-for-service plans = 100 percent)

Characteristic 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 81 $800 $1,200 $2,000 $2,500 $3,500 16 3

Worker characteristic

Management, professional, and related ................ 100 82 650 1,000 1,750 2,500 3,000 16 2

Management, business, and financial ............... 100 83 800 1,200 1,750 2,500 3,000 15 1

Professional and related .................................... 100 81 600 1,000 1,700 2,225 3,000 16 3

Service ................................................................... 100 74 1,000 1,500 2,000 2,750 5,000 17 10

Sales and office ..................................................... 100 82 900 1,250 2,000 2,500 3,500 16 2

Sales and related ............................................... 100 85 1,000 1,500 2,000 3,000 3,800 14 1

Office and administrative support ...................... 100 80 750 1,200 2,000 2,500 3,500 17 3

Natural resources, construction, and maintenance 100 76 800 1,000 2,000 2,400 3,000 20 4

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 78 750 1,000 2,000 2,400 3,000 20 2

Installation, maintenance, and repair ................. 100 74 800 1,000 1,750 2,200 3,000 20 6

Production, transportation, and material moving ... 100 83 990 1,250 1,750 2,500 3,000 16 2

Production ......................................................... 100 81 900 1,200 1,700 2,300 3,000 16 2

Transportation and material moving .................. 100 85 1,000 1,300 2,000 2,500 3,700 14 1

Full time ................................................................. 100 81 800 1,200 2,000 2,500 3,500 16 3

Part time ................................................................ 100 76 750 1,000 1,700 2,900 3,500 21 3

Union ..................................................................... 100 70 750 1,000 1,750 2,400 3,300 25 6

Nonunion ............................................................... 100 83 800 1,200 2,000 2,500 3,500 15 3

Average wage within the following percentiles:2

Less than 10 ...................................................... 100 82 1,300 1,500 1,850 2,600 3,700 – –

10 to under 25 ................................................... 100 78 1,000 1,500 2,000 3,000 4,000 13 9

25 to under 50 ................................................... 100 80 900 1,250 2,000 2,500 3,500 16 4

50 to under 75 ................................................... 100 81 990 1,250 2,000 2,500 3,250 17 2

75 to under 90 ................................................... 100 81 750 1,000 1,750 2,500 3,000 17 2

90 or greater ...................................................... 100 82 600 1,000 1,600 2,250 3,000 15 2

Establishment characteristic

Goods-producing industries ................................... 100 83 825 1,000 1,700 2,400 3,000 16 1

Construction ...................................................... 100 82 750 1,000 2,000 2,500 3,500 17 1

Manufacturing .................................................... 100 82 990 1,150 1,650 2,200 3,000 16 1

Service-providing industries .................................. 100 80 800 1,240 2,000 2,500 3,500 16 4

Trade, transportation, and utilities ..................... 100 87 1,000 1,500 2,000 3,000 4,000 12 2

Wholesale trade ............................................. 100 82 1,000 1,500 2,000 3,000 4,811 16 2

Retail trade .................................................... 100 91 1,000 1,500 2,000 3,000 3,850 7 3

Transportation and warehousing ................... 100 87 1,000 1,350 2,000 2,500 3,500 – –

Utilities ........................................................... 100 71 650 700 1,500 2,250 3,000 – –

Information ......................................................... 100 77 800 1,000 1,500 2,000 4,000 21 2

Financial activities ............................................. 100 81 950 1,250 2,000 2,500 3,250 16 3

Finance and insurance .................................. 100 77 850 1,000 2,000 2,300 3,000 20 4

Credit intermediation and related activities 100 76 1,000 1,250 2,000 2,500 3,500 22 3

Insurance carriers and related activities .... 100 75 600 1,000 1,500 2,200 3,000 18 7

Real estate and rental and leasing ................ 100 96 1,000 1,750 2,000 2,750 3,250 – –

Professional and business services .................. 100 80 600 1,000 2,000 2,500 3,000 13 7

Professional and technical services .............. 100 84 600 750 1,500 2,000 3,000 – –

Administrative and waste services ................ 100 73 700 1,000 2,000 3,000 3,500 – –

See footnotes at end of table.
Table 8. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry workers, National

Compensation Survey, 2008—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristic 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

Establishment characteristic

Education and health services ........................... 100 69 $750 $1,000 $2,000 $2,000 $3,000 28 3

Educational services ...................................... 100 75 500 850 1,250 1,750 2,500 25 –

Junior colleges, colleges, and universities 100 69 500 800 1,250 2,000 3,000 31 –

Health care and social assistance ................. 100 68 800 1,250 2,000 2,200 3,000 28 4

Leisure and hospitality ....................................... 100 85 1,000 1,500 2,000 2,250 5,000 – –

Accommodation and food services ................ 100 86 900 1,500 1,850 2,200 5,000 – –

Other services ................................................... 100 92 900 1,300 1,500 2,000 2,400 – –

1 to 99 workers ...................................................... 100 83 1,000 1,250 2,000 2,500 3,500 13 4

1 to 49 workers .................................................. 100 82 1,000 1,300 2,000 2,500 3,500 14 4

50 to 99 workers ................................................ 100 86 1,000 1,000 1,850 2,500 3,750 11 3

100 workers or more .............................................. 100 79 750 1,000 1,750 2,500 3,500 19 3

100 to 499 workers ............................................ 100 81 750 1,000 2,000 2,500 3,500 17 2

500 workers or more .......................................... 100 75 800 1,250 1,700 2,500 3,500 21 4

Geographic area

New England ......................................................... 100 64 750 1,000 2,000 2,700 3,000 35 1

Middle Atlantic ....................................................... 100 60 900 1,000 1,500 2,400 3,000 35 5

East North Central ................................................. 100 82 750 1,000 1,600 2,250 3,000 13 6

West North Central ................................................ 100 88 500 1,000 1,500 2,000 3,000 – –

South Atlantic ........................................................ 100 83 1,000 1,300 1,750 2,500 3,500 13 4

East South Central ................................................ 100 91 1,000 1,200 2,000 2,500 3,500 8 1

West South Central ............................................... 100 89 1,000 1,500 2,000 3,000 4,000 – –

Mountain ................................................................ 100 84 1,000 1,500 2,000 2,300 3,200 – –

Pacific .................................................................... 100 84 750 1,200 2,000 2,500 3,500 – –

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses

that a participant or a family must pay after the deductible has been satisfied. Once

reached, covered expenses are fully reimbursed for the rest of the year. 2 The percentile groupings are based on the average wage for each occupation

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

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

Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 8. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private

industry workers, National Compensation Survey, 2008

Characteristic

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 ............................................................. 1.4 $112.29 $121.68 $249.40 $0.00 $65.81 1.3 0.7

Worker characteristic

Management, professional, and related ................ 1.8 145.85 57.21 194.12 247.81 70.80 1.7 0.9

Management, business, and financial ............... 2.3 113.99 268.68 165.91 0.00 0.00 2.3 0.6

Professional and related .................................... 2.2 162.69 39.24 335.29 311.94 417.38 2.0 1.1

Service ................................................................... 5.4 0.00 19.62 0.00 456.80 1,375.07 3.4 4.5

Sales and office ..................................................... 1.8 126.20 87.97 123.42 180.63 0.00 1.8 0.8

Sales and related ............................................... 2.7 0.00 49.05 0.00 0.00 303.22 2.7 0.7

Office and administrative support ...................... 2.2 137.35 146.70 322.41 151.03 309.78 2.3 1.2

Natural resources, construction, and maintenance 3.1 72.09 62.05 246.25 212.01 98.11 2.9 1.3

Construction, extraction, farming, fishing, and

forestry ............................................................. 5.0 139.09 334.72 116.50 231.54 497.16 5.1 1.0

Installation, maintenance, and repair ................. 3.6 143.67 39.24 238.91 282.98 58.86 3.4 2.4

Production, transportation, and material moving ... 2.0 60.35 115.35 162.47 177.41 660.31 2.2 0.7

Production ......................................................... 2.9 150.05 145.02 143.18 316.99 39.24 3.1 1.0

Transportation and material moving .................. 2.9 19.91 226.07 0.00 46.02 491.71 2.8 0.6

Full time ................................................................. 1.4 112.61 127.58 224.36 0.00 233.52 1.3 0.8

Part time ................................................................ 3.7 273.47 290.87 237.29 429.44 250.51 3.8 1.5

Union ..................................................................... 4.5 63.77 55.71 337.72 223.50 705.48 3.7 1.8

Nonunion ............................................................... 1.4 154.50 93.61 226.02 0.00 95.41 1.4 0.7

Average wage within the following percentiles:2

Less than 10 ...................................................... 7.0 326.42 73.42 186.15 593.04 928.45 – –

10 to under 25 ................................................... 5.3 0.00 0.00 0.00 371.77 1,488.55 3.1 5.1

25 to under 50 ................................................... 2.2 130.74 95.24 64.89 0.00 19.62 2.1 1.0

50 to under 75 ................................................... 1.9 115.22 60.48 243.69 51.91 401.64 1.9 0.5

75 to under 90 ................................................... 1.9 47.05 39.24 183.41 83.25 322.10 1.9 0.8

90 or greater ...................................................... 2.1 123.32 0.00 217.94 346.90 0.00 1.8 1.1

Establishment characteristic

Goods-producing industries ................................... 2.3 147.48 221.99 52.83 293.99 0.00 2.5 0.5

Construction ...................................................... 4.0 153.25 329.06 194.24 558.18 602.78 4.1 0.8

Manufacturing .................................................... 2.9 73.08 209.79 145.85 296.11 58.86 3.0 0.6

Service-providing industries .................................. 1.7 119.35 126.08 66.90 0.00 27.75 1.5 1.0

Trade, transportation, and utilities ..................... 1.9 0.00 0.00 0.00 139.44 216.28 1.7 0.5

Wholesale trade ............................................. 3.4 96.12 220.91 167.65 337.81 674.29 3.2 1.0

Retail trade .................................................... 1.5 0.00 0.00 34.69 219.37 203.20 1.3 0.9

Transportation and warehousing ................... 4.9 67.97 239.51 207.89 202.49 436.11 – –

Utilities ........................................................... 10.8 0.00 362.86 393.77 111.10 339.43 – –

Information ......................................................... 5.0 238.70 207.65 113.57 95.62 814.49 4.9 1.1

Financial activities ............................................. 1.7 169.93 281.11 0.00 70.06 245.07 1.7 1.0

Finance and insurance .................................. 2.1 201.78 67.97 130.89 279.39 459.39 2.1 1.2

Credit intermediation and related activities 4.0 197.92 357.38 0.00 86.09 550.48 3.8 1.6

Insurance carriers and related activities .... 3.7 137.35 54.62 197.19 295.46 720.20 3.2 2.5

Real estate and rental and leasing ................ 2.7 416.23 286.03 230.50 318.05 202.25 – –

Professional and business services .................. 3.7 55.50 105.66 544.41 245.07 635.81 3.6 3.1

Professional and technical services .............. 4.7 203.91 333.71 280.25 0.00 588.15 – –

Administrative and waste services ................ 10.0 222.86 420.72 620.77 385.37 8,517.82 – –

See footnotes at end of table.
Table 8. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private

industry workers, National Compensation Survey, 2008—Continued

Characteristic

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

Establishment characteristic

Education and health services ........................... 4.7 $50.02 $189.22 $244.09 $356.85 $49.05 4.5 2.4

Educational services ...................................... 3.6 0.00 244.68 141.83 315.78 500.25 3.6 –

Junior colleges, colleges, and universities 5.0 0.00 169.64 167.07 352.91 635.81 5.0 –

Health care and social assistance ................. 5.5 101.96 325.86 0.00 363.13 84.96 5.2 2.8

Leisure and hospitality ....................................... 4.5 294.48 62.05 307.59 684.71 1,292.04 – –

Accommodation and food services ................ 4.9 290.37 92.03 389.23 1,271.76 1,359.59 – –

Other services ................................................... 5.5 136.29 407.35 138.74 198.41 156.97 – –

1 to 99 workers ...................................................... 2.0 38.00 131.03 56.57 27.75 333.17 1.7 1.2

1 to 49 workers .................................................. 2.3 125.64 190.17 0.00 62.05 443.87 1.9 1.6

50 to 99 workers ................................................ 2.9 16.99 432.84 231.12 569.36 616.22 2.5 1.7

100 workers or more .............................................. 1.9 24.03 267.65 143.94 19.62 201.58 1.9 0.9

100 to 499 workers ............................................ 2.4 39.24 140.90 325.38 0.00 408.45 2.6 0.8

500 workers or more .......................................... 3.0 50.02 125.25 77.87 161.50 240.50 2.6 1.7

Geographic area

New England ......................................................... 8.4 195.72 114.83 633.38 266.16 0.00 7.9 0.6

Middle Atlantic ....................................................... 5.0 162.99 0.00 180.37 248.82 365.66 5.5 2.4

East North Central ................................................. 3.2 9.81 147.16 181.90 300.79 647.98 1.5 3.1

West North Central ................................................ 3.7 196.21 0.00 62.05 0.00 145.85 – –

South Atlantic ........................................................ 2.4 347.83 229.66 220.63 476.50 168.27 2.0 1.3

East South Central ................................................ 1.7 0.00 200.10 339.85 309.93 314.25 1.8 0.4

West South Central ............................................... 3.1 27.12 87.75 0.00 311.94 1,262.00 – –

Mountain ................................................................ 4.5 19.62 249.58 89.51 329.21 480.56 – –

Pacific .................................................................... 5.1 130.52 236.68 0.00 111.43 519.13 – –

1 The out-of-pocket maximum is the annual limit on the amount of covered

expenses that a participant or a family must pay after the deductible has been satisfied.

Once reached, covered expenses are fully reimbursed for the rest of the year. 2 The percentile groupings are based on the average wage for each occupation

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

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 9. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry workers, National

Compensation Survey, 2008

(All workers participating in fee-for-service plans = 100 percent)

Characteristic 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 73 $2,000 $2,500 $4,000 $6,000 $7,200 24 3

Worker characteristic

Management, professional, and related ................ 100 76 1,800 2,250 4,000 5,400 7,200 21 2

Management, business, and financial ............... 100 78 1,500 2,100 4,000 5,400 7,000 20 1

Professional and related .................................... 100 75 2,000 2,250 4,000 5,400 7,200 22 3

Service ................................................................... 100 66 2,000 3,000 4,500 6,000 8,000 25 10

Sales and office ..................................................... 100 74 2,000 3,000 4,000 6,000 7,500 24 2

Sales and related ............................................... 100 73 2,000 3,000 5,000 6,000 9,000 26 1

Office and administrative support ...................... 100 74 1,500 2,800 4,000 6,000 7,200 23 3

Natural resources, construction, and maintenance 100 68 2,000 2,500 4,000 6,000 7,200 29 4

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 66 1,500 2,600 4,000 6,000 7,500 33 2

Installation, maintenance, and repair ................. 100 70 2,000 2,400 3,570 6,000 6,750 25 6

Production, transportation, and material moving ... 100 72 2,000 2,500 3,750 5,250 6,000 26 2

Production ......................................................... 100 71 1,800 2,090 3,400 5,000 6,000 27 2

Transportation and material moving .................. 100 73 2,000 3,000 4,000 5,500 7,200 26 1

Full time ................................................................. 100 73 2,000 2,500 4,000 6,000 7,200 24 3

Part time ................................................................ 100 68 1,500 2,000 3,500 5,250 7,000 29 3

Union ..................................................................... 100 60 1,500 2,350 4,000 5,250 7,200 34 6

Nonunion ............................................................... 100 75 2,000 2,500 4,000 6,000 7,200 22 3

Average wage within the following percentiles:2

Less than 10 ...................................................... 100 59 2,000 3,000 4,500 5,100 6,000 38 –

10 to under 25 ................................................... 100 70 2,000 3,000 5,000 6,000 10,000 21 9

25 to under 50 ................................................... 100 73 2,000 2,600 4,000 6,000 7,000 24 4

50 to under 75 ................................................... 100 74 2,000 2,550 4,000 6,000 7,200 25 2

75 to under 90 ................................................... 100 74 1,600 2,350 4,000 5,500 7,200 24 2

90 or greater ...................................................... 100 74 1,600 2,000 3,900 5,250 7,000 24 2

Establishment characteristic

Goods-producing industries ................................... 100 76 2,000 2,250 3,400 5,000 6,000 23 1

Construction ...................................................... 100 72 1,500 3,000 4,000 6,000 7,500 27 1

Manufacturing .................................................... 100 76 2,000 2,000 3,100 5,000 6,000 23 1

Service-providing industries .................................. 100 72 2,000 2,600 4,000 6,000 7,500 24 4

Trade, transportation, and utilities ..................... 100 74 2,000 3,000 4,500 6,000 8,000 24 2

Wholesale trade ............................................. 100 73 2,000 3,350 4,500 7,000 9,000 25 2

Retail trade .................................................... 100 76 2,000 3,000 5,000 6,750 8,000 21 3

Transportation and warehousing ................... 100 73 2,000 2,700 4,000 5,500 6,750 27 –

Utilities ........................................................... 100 72 1,200 2,000 3,200 4,500 6,000 – –

Information ......................................................... 100 75 2,000 2,000 3,900 4,500 8,660 23 2

Financial activities ............................................. 100 73 1,800 2,500 4,000 5,000 7,000 24 3

Finance and insurance .................................. 100 72 1,500 2,400 4,000 4,500 6,750 24 4

Credit intermediation and related activities 100 73 1,800 3,000 4,000 5,000 7,500 24 3

Insurance carriers and related activities .... 100 69 1,300 2,000 3,000 4,400 6,000 24 7

Real estate and rental and leasing ................ 100 77 2,000 3,450 5,300 6,000 9,750 – –

Professional and business services .................. 100 74 1,300 2,000 4,000 6,000 7,500 19 7

Professional and technical services .............. 100 75 700 2,000 3,000 5,550 6,450 – –

Administrative and waste services ................ 100 68 1,500 2,000 3,100 6,000 – 20 –

See footnotes at end of table.
Table 9. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry workers, National

Compensation Survey, 2008—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristic 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

Establishment characteristic

Education and health services ........................... 100 67 $1,800 $2,400 $4,000 $5,000 $7,000 30 3

Educational services ...................................... 100 72 1,000 1,875 2,550 4,000 6,750 28 –

Junior colleges, colleges, and universities 100 68 1,000 1,750 3,000 4,300 7,500 32 –

Health care and social assistance ................. 100 66 2,000 2,800 4,000 5,300 7,000 30 4

Leisure and hospitality ....................................... 100 65 2,500 3,000 4,500 6,000 7,500 30 –

Accommodation and food services ................ 100 61 2,600 3,000 4,100 6,000 7,500 34 –

Other services ................................................... 100 75 2,100 3,000 3,000 6,000 7,200 – –

1 to 99 workers ...................................................... 100 73 2,000 3,000 4,000 6,000 7,500 23 4

1 to 49 workers .................................................. 100 72 2,000 3,000 4,000 6,000 7,500 24 4

50 to 99 workers ................................................ 100 75 2,000 3,000 3,750 6,000 7,200 21 3

100 workers or more .............................................. 100 73 1,600 2,400 4,000 5,300 7,000 25 3

100 to 499 workers ............................................ 100 74 1,600 2,500 4,000 5,700 7,000 24 2

500 workers or more .......................................... 100 71 1,650 2,400 3,600 5,000 7,050 25 4

Geographic area

New England ......................................................... 100 57 1,500 2,000 3,000 5,100 6,000 42 1

Middle Atlantic ....................................................... 100 57 2,000 2,250 4,000 5,250 7,200 38 5

East North Central ................................................. 100 75 1,500 2,100 3,200 5,000 7,050 19 6

West North Central ................................................ 100 82 1,250 2,000 3,000 4,400 6,000 15 –

South Atlantic ........................................................ 100 73 2,000 3,000 4,000 6,000 7,000 24 4

East South Central ................................................ 100 84 2,000 3,000 4,000 6,000 7,000 15 1

West South Central ............................................... 100 79 2,000 3,000 4,500 6,000 9,750 20 –

Mountain ................................................................ 100 78 2,000 3,000 4,000 6,000 7,000 22 –

Pacific .................................................................... 100 73 1,500 2,400 4,000 6,000 7,500 26 –

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses

that a participant or a family must pay after the deductible has been satisfied. Once

reached, covered expenses are fully reimbursed for the rest of the year. 2 The percentile groupings are based on the average wage for each occupation

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

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

Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 9. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry

workers, National Compensation Survey, 2008

Characteristic

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 ............................................................. 1.5 $123.42 $67.26 $0.00 $390.95 $302.55 1.6 0.7

Worker characteristic

Management, professional, and related ................ 2.3 293.09 314.44 272.77 502.17 353.32 2.3 0.9

Management, business, and financial ............... 2.3 293.01 364.55 437.98 565.12 1,026.76 2.4 0.6

Professional and related .................................... 3.3 203.20 318.05 387.37 811.86 594.34 3.3 1.1

Service ................................................................... 5.1 0.00 149.43 700.97 0.00 4,562.91 3.7 4.5

Sales and office ..................................................... 2.0 412.63 133.44 0.00 0.00 533.49 2.0 0.8

Sales and related ............................................... 3.2 0.00 0.00 270.79 918.49 1,017.39 3.2 0.7

Office and administrative support ...................... 2.3 321.67 392.80 0.00 445.82 511.10 2.4 1.2

Natural resources, construction, and maintenance 3.4 606.68 373.71 188.70 0.00 374.35 3.3 1.3

Construction, extraction, farming, fishing, and

forestry ............................................................. 5.5 100.05 540.12 104.29 464.43 491.71 5.6 1.0

Installation, maintenance, and repair ................. 3.5 0.00 367.87 571.71 0.00 662.20 3.4 2.4

Production, transportation, and material moving ... 2.5 92.03 239.11 451.60 277.66 682.46 2.7 0.7

Production ......................................................... 3.3 312.87 174.63 320.17 89.92 0.00 3.5 1.0

Transportation and material moving .................. 3.8 0.00 225.43 0.00 498.61 661.99 3.7 0.6

Full time ................................................................. 1.6 85.81 111.86 0.00 356.44 338.58 1.6 0.8

Part time ................................................................ 3.9 277.49 439.84 754.79 753.96 263.43 3.8 1.5

Union ..................................................................... 4.1 265.80 292.71 208.12 380.35 1,065.13 3.9 1.8

Nonunion ............................................................... 1.6 19.62 120.16 0.00 113.14 380.35 1.6 0.7

Average wage within the following percentiles:2

Less than 10 ...................................................... 6.9 751.53 0.00 872.93 592.72 484.61 7.0 –

10 to under 25 ................................................... 5.1 320.60 0.00 476.70 931.40 6,455.93 3.4 5.1

25 to under 50 ................................................... 2.2 179.10 252.04 0.00 88.30 226.29 2.1 1.0

50 to under 75 ................................................... 2.1 62.05 170.77 49.05 359.26 398.15 2.1 0.5

75 to under 90 ................................................... 2.4 315.17 241.96 238.91 262.33 317.75 2.4 0.8

90 or greater ...................................................... 3.2 354.14 241.66 507.79 440.50 858.93 3.2 1.1

Establishment characteristic

Goods-producing industries ................................... 2.3 229.03 229.56 234.84 319.56 111.00 2.4 0.5

Construction ...................................................... 4.6 793.15 401.88 238.70 0.00 1,597.07 4.6 0.8

Manufacturing .................................................... 3.1 152.30 145.50 309.47 245.07 0.00 3.2 0.6

Service-providing industries .................................. 1.8 184.65 323.16 0.00 0.00 277.32 1.8 1.0

Trade, transportation, and utilities ..................... 2.2 0.00 0.00 581.95 428.99 819.86 2.1 0.5

Wholesale trade ............................................. 3.9 163.28 232.99 712.04 1,504.11 906.86 3.7 1.0

Retail trade .................................................... 3.1 0.00 9.81 147.16 816.83 834.14 2.9 0.9

Transportation and warehousing ................... 5.6 156.97 597.41 0.00 895.90 658.12 5.6 –

Utilities ........................................................... 10.9 0.00 124.10 619.86 488.27 339.85 – –

Information ......................................................... 5.2 559.98 481.02 928.45 370.12 2,966.83 5.2 1.1

Financial activities ............................................. 2.6 219.15 474.38 0.00 404.39 771.50 2.6 1.0

Finance and insurance .................................. 2.4 261.23 370.74 96.12 304.94 666.33 2.5 1.2

Credit intermediation and related activities 3.8 212.24 814.94 0.00 326.57 685.07 3.6 1.6

Insurance carriers and related activities .... 5.1 176.87 218.49 629.72 487.78 597.08 5.1 2.5

Real estate and rental and leasing ................ 7.3 0.00 1,153.62 779.94 1,117.00 3,373.07 – –

Professional and business services .................. 4.5 274.70 248.19 327.01 88.30 2,963.08 4.6 3.1

Professional and technical services .............. 7.3 474.58 138.74 1,147.64 1,872.56 770.62 – –

Administrative and waste services ................ 8.6 523.93 732.13 1,754.17 1,171.22 – 5.2 –

See footnotes at end of table.
Table 9. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry

workers, National Compensation Survey, 2008—Continued

Characteristic

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

Establishment characteristic

Education and health services ........................... 4.8 $410.09 $280.42 $122.14 $595.87 $1,101.82 4.6 2.4

Educational services ...................................... 3.9 39.24 230.86 516.16 646.32 979.84 3.9 –

Junior colleges, colleges, and universities 5.0 103.83 321.03 417.04 504.47 612.68 5.0 –

Health care and social assistance ................. 5.5 219.37 474.98 0.00 642.13 1,146.01 5.3 2.8

Leisure and hospitality ....................................... 7.8 248.97 0.00 1,796.94 0.00 2,712.05 7.6 –

Accommodation and food services ................ 10.0 291.03 156.97 2,747.21 372.94 2,012.85 9.7 –

Other services ................................................... 10.8 325.38 0.00 1,004.10 1,501.71 0.00 – –

1 to 99 workers ...................................................... 2.4 0.00 367.61 0.00 0.00 578.17 2.2 1.2

1 to 49 workers .................................................. 2.7 105.66 541.99 326.57 58.86 979.01 2.4 1.6

50 to 99 workers ................................................ 3.8 0.00 412.98 435.25 0.00 1,733.94 3.5 1.7

100 workers or more .............................................. 2.0 298.42 131.26 147.81 279.56 39.24 2.1 0.9

100 to 499 workers ............................................ 2.9 462.56 161.50 0.00 588.97 19.62 3.0 0.8

500 workers or more .......................................... 2.6 260.35 134.87 309.78 84.96 331.54 2.7 1.7

Geographic area

New England ......................................................... 4.8 0.00 0.00 1,255.92 0.00 0.00 4.4 0.6

Middle Atlantic ....................................................... 5.1 328.91 384.37 302.07 490.34 465.98 5.6 2.4

East North Central ................................................. 2.6 142.85 179.75 440.88 56.36 1,014.50 2.0 3.1

West North Central ................................................ 3.3 365.64 0.00 64.33 556.97 0.00 3.3 –

South Atlantic ........................................................ 3.9 0.00 0.00 0.00 58.86 417.39 3.8 1.3

East South Central ................................................ 1.8 0.00 0.00 703.16 0.00 282.98 1.9 0.4

West South Central ............................................... 4.1 289.68 33.99 785.51 147.16 1,284.08 3.8 –

Mountain ................................................................ 4.4 0.00 394.87 563.67 288.37 1,622.86 4.6 –

Pacific .................................................................... 5.4 389.35 386.48 351.55 124.87 438.64 5.3 –

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses

that a participant or a family must pay after the deductible has been satisfied. Once

reached, covered expenses are fully reimbursed for the rest of the year. 2 The percentile groupings are based on the average wage for each occupation

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

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 10. Health maintenance organizations: Summary of selected features, private industry workers, National

Compensation Survey, 2008

(All workers participating in health maintenance organizations = 100 percent)

Characteristic

Annual deductible1 Coinsurance2 Annual out-of-pocket maximum3

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

All workers ............................................................. 22 78 4 ( ) 11 89 – 57 43 4 ( )

Worker characteristic

Management, professional, and related ................ 20 80 4 ( ) 10 90 – 54 46 4 ( )

Management, business, and financial ............... 24 75 4 ( ) – 90 – 50 50 4 ( )

Professional and related .................................... 17 83 4 ( ) 10 90 – 58 42 4 ( )

Service ................................................................... – 70 – – 95 – 61 39 –

Sales and office ..................................................... 17 83 4 ( ) 8 92 – 60 39 1

Sales and related ............................................... – 85 – – 91 – 56 43 2

Office and administrative support ...................... 18 82 4 ( ) 8 92 – 62 38 4 ( )

Natural resources, construction, and maintenance 32 68 – 19 81 – 49 51 –

Construction, extraction, farming, fishing, and

forestry ............................................................. 37 63 – – 77 – 41 59 –

Installation, maintenance, and repair ................. 27 73 – – 84 – 55 45 –

Production, transportation, and material moving ... 20 80 – 15 85 – 61 39 –

Production ......................................................... 24 76 – – 86 – 53 47 –

Transportation and material moving .................. – 86 – – 84 – 73 27 –

Full time ................................................................. 22 77 4 ( ) 12 88 – 57 43 4 ( )

Part time ................................................................ – 91 – – 97 – 61 39 –

Union ..................................................................... – 76 – – 96 – 56 43 1

Nonunion ............................................................... 21 79 4 ( ) 13 87 – 57 43 4 ( )

Average wage within the following percentiles:5

Less than 10 ...................................................... – 87 – – 96 – – 70 –

10 to under 25 ................................................... – 90 – – 93 – 73 27 –

25 to under 50 ................................................... 21 79 4 ( ) 12 88 – 59 40 1

50 to under 75 ................................................... 27 73 4 ( ) 12 88 – 59 41 4 ( )

75 to under 90 ................................................... 21 79 4 ( ) 11 89 – 50 50 4 ( )

90 or greater ...................................................... 19 81 – 10 90 – 53 47 –

Establishment characteristic

Goods-producing industries ................................... 21 79 – 15 85 – 51 49 –

Construction ...................................................... 31 69 – – 85 – – 65 –

Manufacturing .................................................... – 81 – – 83 – 58 42 –

Service-providing industries .................................. 22 78 4 ( ) 10 90 – 59 41 4 ( )

Trade, transportation, and utilities ..................... 24 76 – – 89 – 55 44 1

Wholesale trade ............................................. – 67 – – 89 – 54 46 –

Retail trade .................................................... – 81 – – 88 – 58 41 2

Transportation and warehousing ................... – 78 – – 91 – 60 – –

Utilities ........................................................... – 94 – – 97 – – 82 –

Information ......................................................... – 88 – – 82 – 54 46 –

Financial activities ............................................. 19 81 4 ( ) – 88 – 54 46 4 ( )

Finance and insurance .................................. 21 78 4 ( ) – 85 – 50 50 4 ( )

Credit intermediation and related activities 25 74 1 – 77 – 51 48 1

Insurance carriers and related activities .... – 82 – – 93 – 59 41 4 ( )

Real estate and rental and leasing ................ – 89 – – 97 – 67 – –

Professional and business services .................. 31 69 – – 88 – 80 – –

Professional and technical services .............. – 74 – – 81 – 59 – –

Administrative and waste services ................ – – – – 89 – 96 – –

See footnotes at end of table.
Table 10. Health maintenance organizations: Summary of selected features, private industry workers, National

Compensation Survey, 2008—Continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristic

Annual deductible1 Coinsurance2 Annual out-of-pocket maximum3

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Establishment characteristic

Education and health services ........................... – 85 – – 98 – 55 45 –

Educational services ...................................... 18 82 – – 96 – 43 57 –

Junior colleges, colleges, and universities 23 77 – – 97 – 34 66 –

Health care and social assistance ................. – 86 – – 98 – 58 42 –

Leisure and hospitality ....................................... – 81 – – 87 – – 61 –

Accommodation and food services ................ – 83 – – 80 – – – –

Other services ................................................... – 70 – – 77 – 63 – –

1 to 99 workers ...................................................... 24 76 4 ( ) 14 86 – 61 39 4 ( )

1 to 49 workers .................................................. 25 75 4 ( ) 15 85 – 65 35 4 ( )

50 to 99 workers ................................................ – 79 – – 87 – 49 50 1

100 workers or more .............................................. 20 80 – 8 92 – 54 46 –

100 to 499 workers ............................................ 22 78 – 12 88 – 60 40 –

500 workers or more .......................................... 17 83 – 5 95 – 48 52 –

Geographic area

New England ......................................................... 31 69 – 5 95 – 32 68 –

Middle Atlantic ....................................................... 39 61 – – 87 – 32 68 –

East North Central ................................................. 23 77 – 16 84 – 52 48 –

West North Central ................................................ – 66 – – 78 – – – –

South Atlantic ........................................................ – 89 – – 91 – 68 32 –

East South Central ................................................ – – – – 86 – 66 – –

West South Central ............................................... – 64 – – 86 – 61 – –

Mountain ................................................................ – 86 – – 74 – 65 – –

Pacific .................................................................... – 92 – – 94 – 78 22 4 ( )

1 The deductible is the amount of covered expenses that an individual or family

must pay before any charges are paid by the medical care plan. Deductibles that apply

separately to a specific category of expenses, such as deductible for each hospital

admission, were excluded. 2 Represents the initial coinsurance in plans that have 100 percent coverage after

the individual pays a specified dollar amount toward expenses. For example, the plan

pays 80 percent until the individual’s out-of-pocket expenses reach $1,000, and then

coverage is 100 percent. 3 The out-of-pocket maximum is the annual limit on the amount of covered

expenses that a participant or a family must pay after the deductible has been satisfied.

Once reached, covered expenses are fully reimbursed for the rest of the year.

4 Less than 0.5 percent. 5 The percentile groupings are based on the average wage for each occupation

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

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 10. Standard errors for health maintenance organizations: Summary of selected features, private industry

workers, National Compensation Survey, 2008

Characteristic

Annual deductible1 Coinsurance2 Annual out-of-pocket maximum3

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

All workers ............................................................. 2.5 2.5 4 ( ) 1.6 1.6 – 3.1 3.1 4 ( )

Worker characteristic

Management, professional, and related ................ 2.8 2.8 4 ( ) 2.2 2.2 – 5.1 5.1 4 ( )

Management, business, and financial ............... 4.9 4.9 4 ( ) – 3.3 – 7.5 7.5 4 ( )

Professional and related .................................... 3.6 3.6 4 ( ) 2.7 2.7 – 5.0 5.0 4 ( )

Service ................................................................... – 10.6 – – 2.3 – 7.8 7.8 –

Sales and office ..................................................... 3.1 3.1 4 ( ) 1.7 1.7 – 5.8 5.7 0.4

Sales and related ............................................... – 4.9 – – 3.3 – 8.7 8.8 1.5

Office and administrative support ...................... 3.7 3.7 4 ( ) 2.1 2.1 – 6.2 6.2 4 ( )

Natural resources, construction, and maintenance 6.3 6.3 – 5.7 5.7 – 6.8 6.8 –

Construction, extraction, farming, fishing, and

forestry ............................................................. 9.9 9.9 – – 9.9 – 10.8 10.8 –

Installation, maintenance, and repair ................. 7.5 7.5 – – 6.1 – 7.4 7.4 –

Production, transportation, and material moving ... 4.7 4.7 – 3.7 3.7 – 5.1 5.1 –

Production ......................................................... 6.7 6.7 – – 5.4 – 7.0 7.0 –

Transportation and material moving .................. – 5.8 – – 5.7 – 5.7 5.7 –

Full time ................................................................. 2.6 2.6 4 ( ) 1.7 1.7 – 3.3 3.3 4 ( )

Part time ................................................................ – 3.7 – – 1.3 – 3.6 3.6 –

Union ..................................................................... – 7.7 – – 1.5 – 5.6 5.4 0.6

Nonunion ............................................................... 2.5 2.5 4 ( ) 2.1 2.1 – 4.1 4.1 4 ( )

Average wage within the following percentiles:5

Less than 10 ...................................................... – 8.3 – – 2.9 – – 13.5 –

10 to under 25 ................................................... – 3.8 – – 2.8 – 7.4 7.4 –

25 to under 50 ................................................... 4.7 4.7 4 ( ) 3.1 3.1 – 6.4 6.4 0.6

50 to under 75 ................................................... 3.9 3.9 4 ( ) 2.9 2.9 – 4.6 4.6 4 ( )

75 to under 90 ................................................... 3.2 3.2 4 ( ) 2.7 2.7 – 4.7 4.7 4 ( )

90 or greater ...................................................... 4.5 4.5 – 2.7 2.7 – 5.4 5.4 –

Establishment characteristic

Goods-producing industries ................................... 4.1 4.1 – 3.9 3.9 – 5.2 5.2 –

Construction ...................................................... 6.9 6.9 – – 7.7 – – 11.4 –

Manufacturing .................................................... – 5.7 – – 5.2 – 6.5 6.5 –

Service-providing industries .................................. 2.8 2.8 4 ( ) 1.9 1.9 – 4.2 4.2 4 ( )

Trade, transportation, and utilities ..................... 6.4 6.4 – – 3.3 – 6.8 6.6 0.6

Wholesale trade ............................................. – 16.0 – – 4.5 – 11.2 11.2 –

Retail trade .................................................... – 6.9 – – 6.0 – 8.1 8.2 1.3

Transportation and warehousing ................... – 11.6 – – 6.6 – 15.2 – –

Utilities ........................................................... – 5.0 – – 3.9 – – 8.9 –

Information ......................................................... – 7.0 – – 9.3 – 13.0 13.0 –

Financial activities ............................................. 4.0 4.0 4 ( ) – 4.0 – 6.5 6.6 4 ( )

Finance and insurance .................................. 4.6 4.6 4 ( ) – 5.3 – 6.9 7.0 4 ( )

Credit intermediation and related activities 7.2 7.1 0.8 – 7.0 – 7.2 7.4 0.8

Insurance carriers and related activities .... – 5.3 – – 3.6 – 9.9 9.8 4 ( )

Real estate and rental and leasing ................ – 7.9 – – 3.6 – 15.1 – –

Professional and business services .................. 7.5 7.5 – – 6.1 – 7.8 – –

Professional and technical services .............. – 9.1 – – 9.8 – 15.4 – –

Administrative and waste services ................ – – – – 11.4 – 4.5 – –

See footnotes at end of table.
Table 10. Standard errors for health maintenance organizations: Summary of selected features, private industry

workers, National Compensation Survey, 2008—Continued

Characteristic

Annual deductible1 Coinsurance2 Annual out-of-pocket maximum3

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Establishment characteristic

Education and health services ........................... – 4.8 – – 0.9 – 7.8 7.8 –

Educational services ...................................... 3.2 3.2 – – 2.4 – 9.6 9.6 –

Junior colleges, colleges, and universities 3.9 3.9 – – 1.9 – 4.3 4.3 –

Health care and social assistance ................. – 6.1 – – 0.8 – 9.4 9.4 –

Leisure and hospitality ....................................... – 10.0 – – 7.0 – – 12.6 –

Accommodation and food services ................ – 14.6 – – 12.0 – – – –

Other services ................................................... – 11.3 – – 8.2 – 15.2 – –

1 to 99 workers ...................................................... 4.7 4.7 4 ( ) 3.2 3.2 – 5.8 5.8 4 ( )

1 to 49 workers .................................................. 5.8 5.8 4 ( ) 3.7 3.7 – 6.5 6.4 4 ( )

50 to 99 workers ................................................ – 7.5 – – 5.6 – 8.2 8.2 0.4

100 workers or more .............................................. 5.0 5.0 – 2.0 2.0 – 4.2 4.2 –

100 to 499 workers ............................................ 6.0 6.0 – 3.1 3.1 – 5.6 5.6 –

500 workers or more .......................................... 5.1 5.1 – 1.4 1.4 – 7.0 7.0 –

Geographic area

New England ......................................................... 7.3 7.3 – 0.9 0.9 – 8.6 8.6 –

Middle Atlantic ....................................................... 4.5 4.5 – – 4.7 – 3.0 3.0 –

East North Central ................................................. 6.4 6.4 – 4.0 4.0 – 6.2 6.2 –

West North Central ................................................ – 14.9 – – 13.6 – – – –

South Atlantic ........................................................ – 4.6 – – 3.0 – 5.0 5.0 –

East South Central ................................................ – – – – 12.5 – 16.2 – –

West South Central ............................................... – 14.6 – – 6.7 – 15.4 – –

Mountain ................................................................ – 7.6 – – 12.4 – 14.5 – –

Pacific .................................................................... – 2.5 – – 2.5 – 3.7 3.6 4 ( )

1 The deductible is the amount of covered expenses that an individual or family

must pay before any charges are paid by the medical care plan. Deductibles that apply

separately to a specific category of expenses, such as deductible for each hospital

admission, were excluded. 2 Represents the initial coinsurance in plans that have 100 percent coverage after

the individual pays a specified dollar amount towrad expenses. For example, the plan

pays 80 percent until the individual’s out-of-pocket expenses reach $1,000, and then

coverage is 100 percent. 3 The out-of-pocket maximum is the annual limit on the amount of covered

expenses that a participant or a family must pay after the deductible has been satisfied.

Once reached, covered expenses are fully reimbursed for the rest of the year.

4 Less than 0.05. 5 The percentile groupings are based on the average wage for each occupation

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

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 11. Outpatient prescription drug benefits: Type of coverage, private industry

workers, National Compensation Survey, 2008

(All workers participating in outpatient prescription drug plans = 100 percent)

Characteristic Total Generic

drugs

Brand-name

drugs

Mail order

drugs

Formulary

drugs1

All workers ............................................................. 100 100 99 79 71

Worker characteristic

Management, professional, and related ................ 100 100 100 80 73

Management, business, and financial ............... 100 99 100 86 74

Professional and related .................................... 100 100 100 77 73

Service ................................................................... 100 100 100 68 64

Sales and office ..................................................... 100 100 99 80 76

Sales and related ............................................... 100 99 99 76 76

Office and administrative support ...................... 100 100 99 83 77

Natural resources, construction, and maintenance 100 99 96 78 59

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 99 99 78 51

Installation, maintenance, and repair ................. 100 100 94 78 68

Production, transportation, and material moving ... 100 100 100 82 71

Production ......................................................... 100 100 99 83 66

Transportation and material moving .................. 100 100 100 79 79

Full time ................................................................. 100 100 99 80 72

Part time ................................................................ 100 100 96 63 60

Union ..................................................................... 100 100 98 77 67

Nonunion ............................................................... 100 100 99 79 72

Average wage within the following percentiles:2

Less than 10 ...................................................... 100 100 100 84 79

10 to under 25 ................................................... 100 100 99 68 60

25 to under 50 ................................................... 100 100 99 79 73

50 to under 75 ................................................... 100 100 99 79 72

75 to under 90 ................................................... 100 100 99 81 69

90 or greater ...................................................... 100 99 99 82 74

Establishment characteristic

Goods-producing industries ................................... 100 99 99 84 66

Construction ...................................................... 100 98 98 76 57

Manufacturing .................................................... 100 99 99 87 70

Service-providing industries .................................. 100 100 99 77 73

Trade, transportation, and utilities ..................... 100 100 99 74 75

Wholesale trade ............................................. 100 100 99 78 72

Retail trade .................................................... 100 100 99 71 76

Transportation and warehousing ................... 100 100 100 73 74

Utilities ........................................................... 100 99 100 95 82

Information ......................................................... 100 100 100 90 83

Financial activities ............................................. 100 100 99 86 76

Finance and insurance .................................. 100 100 98 82 75

Credit intermediation and related activities 100 100 100 82 75

Insurance carriers and related activities .... 100 99 96 79 72

Real estate and rental and leasing ................ 100 100 100 97 79

Professional and business services .................. 100 100 98 76 64

Professional and technical services .............. 100 100 100 75 68

Administrative and waste services ................ 100 100 96 68 46

See footnotes at end of table.
Table 11. Outpatient prescription drug benefits: Type of coverage, private industry

workers, National Compensation Survey, 2008—Continued

(All workers participating in outpatient prescription drug plans = 100 percent)

Characteristic Total Generic

drugs

Brand-name

drugs

Mail order

drugs

Formulary

drugs1

Establishment characteristic

Education and health services ........................... 100 100 100 77 77

Educational services ...................................... 100 100 100 80 78

Junior colleges, colleges, and universities 100 100 100 83 72

Health care and social assistance ................. 100 100 100 77 77

Leisure and hospitality ....................................... 100 100 98 77 61

Accommodation and food services ................ 100 100 100 77 54

Other services ................................................... 100 100 100 61 77

1 to 99 workers ...................................................... 100 100 98 75 70

1 to 49 workers .................................................. 100 100 98 76 68

50 to 99 workers ................................................ 100 100 98 72 73

100 workers or more .............................................. 100 100 100 82 72

100 to 499 workers ............................................ 100 99 100 80 72

500 workers or more .......................................... 100 100 100 84 72

Geographic area

New England ......................................................... 100 100 100 92 87

Middle Atlantic ....................................................... 100 100 98 74 70

East North Central ................................................. 100 100 100 77 68

West North Central ................................................ 100 99 100 77 70

South Atlantic ........................................................ 100 100 100 83 78

East South Central ................................................ 100 100 100 81 81

West South Central ............................................... 100 100 99 79 74

Mountain ................................................................ 100 100 99 70 59

Pacific .................................................................... 100 99 98 81 65

1 Formulary drugs are a listing of prescription medications

that are covered by the plan. 2 The percentile groupings are based on the average wage

for each occupation surveyed, which may include workers both

above and below the threshold. The percentile values are

based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2007." See Technical Note for more details.

NOTE: For definitions of major plans, key provisions, and

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

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 11. Standard errors for outpatient prescription drug benefits: Type of

coverage, private industry workers, National Compensation Survey, 2008

Characteristic Generic

drugs

Brand-name

drugs

Mail order

drugs

Formulary

drugs1

All workers ............................................................. 0.1 0.3 1.3 1.6

Worker characteristic

Management, professional, and related ................ 0.2 0.1 1.7 2.5

Management, business, and financial ............... 0.4 0.0 2.3 3.1

Professional and related .................................... 0.1 0.2 2.7 2.9

Service ................................................................... 0.2 0.3 4.3 4.0

Sales and office ..................................................... 0.1 0.4 1.7 1.7

Sales and related ............................................... 0.4 0.4 2.7 2.5

Office and administrative support ...................... 0.1 0.6 1.9 2.0

Natural resources, construction, and maintenance 0.4 1.8 3.3 4.1

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.7 0.8 5.5 6.4

Installation, maintenance, and repair ................. 0.1 3.4 4.0 3.8

Production, transportation, and material moving ... 0.2 0.1 2.5 2.9

Production ......................................................... 0.3 0.2 3.2 3.8

Transportation and material moving .................. 0.2 0.1 3.7 3.3

Full time ................................................................. 0.2 0.2 1.4 1.6

Part time ................................................................ 0.0 3.5 5.2 4.3

Union ..................................................................... 0.1 1.3 3.7 2.6

Nonunion ............................................................... 0.2 0.2 1.5 1.8

Average wage within the following percentiles:2

Less than 10 ...................................................... 0.0 0.0 6.2 5.9

10 to under 25 ................................................... 0.1 0.3 5.0 5.3

25 to under 50 ................................................... 0.1 0.3 1.8 2.1

50 to under 75 ................................................... 0.2 0.4 1.7 2.0

75 to under 90 ................................................... 0.2 0.3 1.7 2.6

90 or greater ...................................................... 0.3 1.2 3.3 2.9

Establishment characteristic

Goods-producing industries ................................... 0.5 0.3 2.0 2.9

Construction ...................................................... 1.2 1.0 5.0 5.3

Manufacturing .................................................... 0.6 0.2 2.5 3.5

Service-providing industries .................................. 0.0 0.3 1.6 1.8

Trade, transportation, and utilities ..................... 0.1 0.3 2.9 2.2

Wholesale trade ............................................. 0.4 0.8 6.6 6.0

Retail trade .................................................... 0.1 0.3 3.2 2.4

Transportation and warehousing ................... 0.0 0.0 5.1 6.1

Utilities ........................................................... 0.9 0.0 3.2 5.8

Information ......................................................... 0.0 0.4 2.6 2.4

Financial activities ............................................. 0.1 0.8 2.1 2.7

Finance and insurance .................................. 0.2 1.1 2.4 2.4

Credit intermediation and related activities 0.0 0.0 4.3 3.7

Insurance carriers and related activities .... 0.5 2.9 4.0 4.6

Real estate and rental and leasing ................ 0.0 0.0 2.5 9.9

Professional and business services .................. 0.0 1.3 4.0 5.1

Professional and technical services .............. 0.0 0.0 5.7 7.1

Administrative and waste services ................ 0.0 3.6 6.9 9.4

See footnotes at end of table.
Table 11. Standard errors for outpatient prescription drug benefits: Type of

coverage, private industry workers, National Compensation Survey,

2008—Continued

Characteristic Generic

drugs

Brand-name

drugs

Mail order

drugs

Formulary

drugs1

Establishment characteristic

Education and health services ........................... 0.0 0.1 3.3 3.5

Educational services ...................................... 0.0 0.3 3.7 3.7

Junior colleges, colleges, and universities 0.0 0.0 3.0 4.5

Health care and social assistance ................. 0.0 0.1 3.9 4.3

Leisure and hospitality ....................................... 0.0 1.8 10.3 9.1

Accommodation and food services ................ 0.0 0.0 12.9 10.9

Other services ................................................... 0.0 0.0 10.5 8.0

1 to 99 workers ...................................................... 0.1 0.6 2.2 2.5

1 to 49 workers .................................................. 0.2 0.7 2.6 3.1

50 to 99 workers ................................................ 0.0 0.8 4.2 3.9

100 workers or more .............................................. 0.2 0.1 1.3 1.7

100 to 499 workers ............................................ 0.4 0.2 2.1 2.3

500 workers or more .......................................... 0.0 0.0 1.5 2.5

Geographic area

New England ......................................................... 0.0 0.2 1.1 3.4

Middle Atlantic ....................................................... 0.2 0.7 3.6 3.3

East North Central ................................................. 0.1 0.1 2.4 3.2

West North Central ................................................ 1.6 0.1 4.7 7.0

South Atlantic ........................................................ 0.4 0.3 2.8 2.7

East South Central ................................................ 0.0 0.3 4.7 4.9

West South Central ............................................... 0.1 0.6 4.2 3.8

Mountain ................................................................ 0.0 1.0 7.2 7.0

Pacific .................................................................... 0.3 1.2 4.3 5.2

1 Formulary drugs are a listing of prescription

medications that are covered by the plan. 2 The percentile groupings are based on the average

wage for each occupation surveyed, which may include

workers both above and below the threshold. The

percentile values are based on the estimates published in

the "National Compensation Survey: Occupational

Earnings in the United States, 2007." See Technical Note

for more details.

NOTE: For definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 12. Outpatient prescription drug benefits: Copayment provisions, private industry workers, National

Compensation Survey, 2008

(In percent)

Characteristic

Generic drugs1 Brand-name drugs2

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

All workers ............................................................. 85 13 2 $10.00 85 13 2 $25.00

Worker characteristic

Management, professional, and related ................ 85 13 3 10.00 84 13 3 25.00

Management, business, and financial ............... 84 13 3 10.00 84 13 3 25.00

Professional and related .................................... 85 13 2 10.00 84 13 3 25.00

Service ................................................................... 79 20 1 10.00 85 15 3 ( ) 25.00

Sales and office ..................................................... 88 10 2 10.00 87 11 2 25.00

Sales and related ............................................... 89 11 1 10.00 87 11 2 25.00

Office and administrative support ...................... 88 10 2 10.00 88 10 2 25.00

Natural resources, construction, and maintenance 79 18 3 10.00 83 16 2 25.00

Construction, extraction, farming, fishing, and

forestry ............................................................. 76 20 3 10.00 80 17 2 25.00

Installation, maintenance, and repair ................. 81 17 2 10.00 85 14 1 25.00

Production, transportation, and material moving ... 87 13 1 10.00 84 15 1 25.00

Production ......................................................... 84 15 1 10.00 83 16 1 25.00

Transportation and material moving .................. 90 9 1 10.00 86 13 1 25.00

Full time ................................................................. 85 13 2 10.00 85 13 2 25.00

Part time ................................................................ 87 – – 10.00 86 – – 25.00

Union ..................................................................... 76 23 1 10.00 79 19 2 20.00

Nonunion ............................................................... 87 12 2 10.00 86 12 2 25.00

Average wage within the following percentiles:4

Less than 10 ...................................................... 84 – – 10.00 83 – – 25.00

10 to under 25 ................................................... 86 13 1 10.00 85 14 1 25.00

25 to under 50 ................................................... 87 11 2 10.00 87 12 2 25.00

50 to under 75 ................................................... 85 13 2 10.00 86 12 2 25.00

75 to under 90 ................................................... 81 18 2 10.00 81 17 2 25.00

90 or greater ...................................................... 85 13 2 10.00 85 12 3 25.00

Establishment characteristic

Goods-producing industries ................................... 83 15 2 10.00 83 15 2 25.00

Construction ...................................................... 78 17 5 10.00 82 14 4 25.00

Manufacturing .................................................... 85 14 1 10.00 83 16 1 25.00

Service-providing industries .................................. 85 13 2 10.00 85 13 2 25.00

Trade, transportation, and utilities ..................... 87 12 1 10.00 86 14 1 25.00

Wholesale trade ............................................. 83 16 1 10.00 87 13 3 ( ) 25.00

Retail trade .................................................... 90 9 1 10.00 89 11 1 30.00

Transportation and warehousing ................... 88 – – 10.00 81 18 1 25.00

Utilities ........................................................... 81 – – 10.00 75 – – 20.00

Information ......................................................... 77 18 5 10.00 81 14 5 25.00

Financial activities ............................................. 79 15 6 10.00 78 16 6 25.00

Finance and insurance .................................. 83 11 6 10.00 83 12 6 25.00

Credit intermediation and related activities 82 10 7 10.00 82 10 7 25.00

Insurance carriers and related activities .... 82 15 3 10.00 83 14 3 25.00

Real estate and rental and leasing ................ 64 – – 10.00 64 – – 25.00

Professional and business services .................. 85 14 1 10.00 88 11 1 25.00

Professional and technical services .............. 91 – – 10.00 90 – – 25.00

Administrative and waste services ................ 77 23 – 10.00 87 – – 25.00

See footnotes at end of table.
Table 12. Outpatient prescription drug benefits: Copayment provisions, private industry workers, National

Compensation Survey, 2008—Continued

(In percent)

Characteristic

Generic drugs1 Brand-name drugs2

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Establishment characteristic

Education and health services ........................... 87 11 2 $10.00 86 11 2 $25.00

Educational services ...................................... 91 – – 10.00 88 11 1 25.00

Junior colleges, colleges, and universities 91 – – 10.00 92 8 3 ( ) 25.00

Health care and social assistance ................. 86 12 2 10.00 86 11 3 25.00

Leisure and hospitality ....................................... 86 – – 10.00 84 16 – 25.00

Accommodation and food services ................ 83 – – 10.00 82 – – 25.00

Other services ................................................... 91 – – 10.00 91 – – 25.00

1 to 99 workers ...................................................... 85 13 3 10.00 85 13 2 25.00

1 to 49 workers .................................................. 85 12 2 10.00 86 12 2 25.00

50 to 99 workers ................................................ 83 14 3 10.00 83 14 3 25.00

100 workers or more .............................................. 85 14 1 10.00 85 14 2 25.00

100 to 499 workers ............................................ 85 14 1 10.00 85 14 1 25.00

500 workers or more .......................................... 85 13 2 10.00 84 14 2 25.00

Geographic area

New England ......................................................... 94 5 1 10.00 92 7 1 25.00

Middle Atlantic ....................................................... 81 16 2 10.00 86 – – 25.00

East North Central ................................................. 84 13 4 10.00 83 13 3 25.00

West North Central ................................................ 82 17 1 10.00 80 18 2 29.00

South Atlantic ........................................................ 88 11 1 10.00 89 11 3 ( ) 25.00

East South Central ................................................ 93 – – 10.00 89 – – 25.00

West South Central ............................................... 80 20 3 ( ) 10.00 78 22 3 ( ) 25.00

Mountain ................................................................ 81 – – 10.00 81 – – 25.00

Pacific .................................................................... 86 12 2 10.00 86 11 3 25.00

1 All workers participating in an outpatient prescription drug plan with a generic drug

provision equals 100 percent. 2 All workers participating in an outpatient prescription drug plan with a brand-name

drug provision equals 100 percent. 3 Less than 0.5 percent. 4 The percentile groupings are based on the average wage for each occupation

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

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 12. Standard errors for outpatient prescription drug benefits: Copayment provisions, private industry workers,

National Compensation Survey, 2008

Characteristic

Generic drugs1 Brand-name drugs2

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

All workers ............................................................. 1.2 1.2 0.3 $0.00 1.1 1.1 0.3 $0.00

Worker characteristic

Management, professional, and related ................ 1.8 1.8 0.6 0.00 1.8 1.7 0.7 0.00

Management, business, and financial ............... 2.2 2.3 0.7 0.00 2.2 2.3 0.7 0.00

Professional and related .................................... 2.1 2.0 0.7 0.00 2.0 1.8 0.9 0.00

Service ................................................................... 2.8 2.8 0.2 0.00 3.0 3.0 3 ( ) 0.00

Sales and office ..................................................... 1.2 1.1 0.4 0.00 1.3 1.1 0.3 0.00

Sales and related ............................................... 1.6 1.5 0.4 0.00 1.8 1.6 0.6 0.78

Office and administrative support ...................... 1.5 1.3 0.5 0.00 1.4 1.3 0.4 0.00

Natural resources, construction, and maintenance 3.3 3.0 0.9 0.00 2.7 2.6 0.7 0.00

Construction, extraction, farming, fishing, and

forestry ............................................................. 6.2 6.0 1.5 0.00 5.2 5.1 1.3 0.00

Installation, maintenance, and repair ................. 3.3 3.3 0.8 0.00 2.6 2.5 0.6 0.00

Production, transportation, and material moving ... 1.9 1.8 0.3 0.00 1.9 1.9 0.3 0.00

Production ......................................................... 3.0 3.0 0.4 0.00 3.1 3.0 0.4 0.00

Transportation and material moving .................. 1.8 1.8 0.5 0.00 2.5 2.4 0.5 0.00

Full time ................................................................. 1.1 1.1 0.3 0.00 1.1 1.1 0.3 0.00

Part time ................................................................ 4.5 – – 0.00 3.8 – – 0.00

Union ..................................................................... 2.7 2.6 0.4 0.00 2.7 2.5 0.8 0.00

Nonunion ............................................................... 1.3 1.3 0.3 0.00 1.3 1.2 0.3 0.00

Average wage within the following percentiles:4

Less than 10 ...................................................... 5.5 – – 0.00 5.6 – – 0.00

10 to under 25 ................................................... 3.1 3.1 0.4 0.00 3.1 3.1 0.4 0.00

25 to under 50 ................................................... 1.6 1.4 0.7 0.00 1.6 1.4 0.7 0.00

50 to under 75 ................................................... 1.4 1.3 0.5 0.00 1.4 1.3 0.4 0.00

75 to under 90 ................................................... 2.1 2.1 0.4 0.00 1.9 1.9 0.4 0.00

90 or greater ...................................................... 2.5 2.5 0.6 0.00 2.2 2.1 0.9 0.00

Establishment characteristic

Goods-producing industries ................................... 2.3 2.2 0.6 0.00 2.2 2.1 0.5 0.00

Construction ...................................................... 4.4 3.9 2.0 0.00 4.1 3.6 1.8 0.00

Manufacturing .................................................... 2.5 2.4 0.3 0.00 2.6 2.5 0.4 0.00

Service-providing industries .................................. 1.3 1.2 0.3 0.00 1.2 1.1 0.3 0.00

Trade, transportation, and utilities ..................... 1.9 1.8 0.3 0.00 1.7 1.7 0.2 0.00

Wholesale trade ............................................. 3.7 3.7 0.8 0.00 3.5 3.5 3 ( ) 0.00

Retail trade .................................................... 1.8 1.7 0.3 0.00 1.9 1.9 0.4 4.15

Transportation and warehousing ................... 3.6 – – 0.00 4.8 4.8 0.3 0.00

Utilities ........................................................... 10.4 – – 0.00 10.0 – – 2.19

Information ......................................................... 4.4 4.1 1.8 0.00 3.0 2.4 1.8 0.00

Financial activities ............................................. 3.1 2.8 1.4 0.00 3.2 2.9 1.4 0.00

Finance and insurance .................................. 2.2 1.8 1.2 0.00 2.2 1.7 1.2 0.00

Credit intermediation and related activities 3.3 2.0 2.6 0.00 3.3 2.0 2.6 0.00

Insurance carriers and related activities .... 3.8 3.6 1.4 0.00 3.7 3.4 1.4 0.00

Real estate and rental and leasing ................ 10.8 – – 0.00 10.8 – – 4.91

Professional and business services .................. 2.9 2.8 0.6 0.00 3.3 3.2 0.6 0.00

Professional and technical services .............. 3.6 – – 0.00 3.6 – – 0.00

Administrative and waste services ................ 5.4 5.4 – 0.00 7.5 – – 0.00

See footnotes at end of table.
Table 12. Standard errors for outpatient prescription drug benefits: Copayment provisions, private industry workers,

National Compensation Survey, 2008—Continued

Characteristic

Generic drugs1 Brand-name drugs2

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Establishment characteristic

Education and health services ........................... 2.6 2.3 0.8 $0.00 2.5 2.2 1.0 $0.00

Educational services ...................................... 2.5 – – 0.00 3.1 2.9 1.0 0.00

Junior colleges, colleges, and universities 2.3 – – 0.00 2.2 2.2 3 ( ) 4.29

Health care and social assistance ................. 3.1 2.8 1.1 0.00 3.0 2.5 1.4 0.00

Leisure and hospitality ....................................... 4.4 – – 0.00 4.0 4.0 – 0.00

Accommodation and food services ................ 5.4 – – 0.00 5.5 – – 0.00

Other services ................................................... 7.0 – – 0.00 7.0 – – 0.00

1 to 99 workers ...................................................... 2.1 2.0 0.6 0.00 1.7 1.6 0.5 0.00

1 to 49 workers .................................................. 2.3 2.2 0.6 0.00 1.9 1.8 0.6 0.00

50 to 99 workers ................................................ 3.3 3.1 1.2 0.00 3.1 2.8 1.2 2.19

100 workers or more .............................................. 1.3 1.3 0.2 0.00 1.2 1.3 0.3 0.00

100 to 499 workers ............................................ 2.1 2.1 0.3 0.00 2.0 2.0 0.3 0.00

500 workers or more .......................................... 1.5 1.6 0.4 0.00 1.5 1.4 0.6 2.30

Geographic area

New England ......................................................... 1.5 1.1 0.4 0.00 1.2 1.2 0.6 0.00

Middle Atlantic ....................................................... 3.9 3.6 0.8 0.00 3.7 – – 7.37

East North Central ................................................. 2.1 1.9 1.0 0.00 1.7 1.3 1.0 6.33

West North Central ................................................ 3.1 2.9 0.8 0.00 3.7 3.6 0.8 5.75

South Atlantic ........................................................ 2.9 3.0 0.4 0.00 2.1 2.2 3 ( ) 0.00

East South Central ................................................ 2.8 – – 0.00 4.5 – – 0.00

West South Central ............................................... 4.7 4.6 3 ( ) 0.00 4.8 4.7 3 ( ) 0.39

Mountain ................................................................ 6.1 – – 0.00 6.5 – – 0.55

Pacific .................................................................... 3.0 3.3 0.6 0.00 3.2 3.2 0.8 0.00

1 All workers participating in an outpatient prescription drug plan with a generic drug

provision equals 100 percent. 2 All workers participating in an outpatient prescription drug plan with a brand-name

drug provision equals 100 percent. 3 Less than 0.05. 4 The percentile groupings are based on the average wage for each occupation

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

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 13. Medical care benefits: Eligibility requirements, private industry workers, National Compensation

Survey, 2008

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

Characteristic Total With service

requirement

Service requirement

1 month 2 months 3 months

Greater

than 3

months

Not

determinable

Median

service

requirement

(in months)

All workers ............................................................. 100 61 24 7 22 7 1 () –

Worker characteristic

Management, professional, and related ................ 100 47 27 5 10 4 1 () 1

Management, business, and financial ............... 100 49 28 6 12 2 1 () 1

Professional and related .................................... 100 45 27 – 9 – 1 () 1

Service ................................................................... 100 66 24 – 33 5 – 3

Sales and office ..................................................... 100 65 24 8 26 7 1 () –

Sales and related ............................................... 100 76 19 10 35 12 – 3

Office and administrative support ...................... 100 60 26 7 21 5 1 2

Natural resources, construction, and maintenance 100 72 15 12 30 14 1 3

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 68 – – 24 19 – 3

Installation, maintenance, and repair ................. 100 76 19 11 35 10 1 3

Production, transportation, and material moving ... 100 70 22 11 28 9 1 3

Production ......................................................... 100 71 24 12 27 7 1 –

Transportation and material moving .................. 100 68 19 8 30 10 1 3

Full time ................................................................. 100 61 24 7 23 7 1 () 2

Union ..................................................................... 100 61 18 9 22 12 1 () 3

Nonunion ............................................................... 100 61 25 7 22 6 1 () 2

Average wage within the following percentiles:2

Less than 10 ...................................................... 100 78 – – 25 – – 3

25 to under 50 ................................................... 100 69 22 9 28 10 1 () 3

50 to under 75 ................................................... 100 66 24 9 26 6 1 () –

75 to under 90 ................................................... 100 58 27 6 18 7 1 () 2

90 or greater ...................................................... 100 44 25 5 10 – – 1

Establishment characteristic

Goods-producing industries ................................... 100 67 23 13 21 9 1 () 2

Construction ...................................................... 100 76 16 13 30 17 – 3

Manufacturing .................................................... 100 63 26 13 20 5 1 () 2

Service-providing industries .................................. 100 59 24 5 23 7 1 () –

Trade, transportation, and utilities ..................... 100 69 18 7 31 12 1 3

Wholesale trade ............................................. 100 65 19 – 33 – – 3

Retail trade .................................................... 100 77 17 10 31 18 1 3

Transportation and warehousing ................... 100 59 17 – 32 – – 3

Utilities ........................................................... 100 38 – – – – – –

Information ......................................................... 100 58 24 – 26 – 1 () –

Financial activities ............................................. 100 61 28 11 20 – – 2

Finance and insurance .................................. 100 55 34 4 14 – – 1

Credit intermediation and related activities 100 55 32 – 14 – – 1

Insurance carriers and related activities .... 100 52 33 – 15 – – 1

Real estate and rental and leasing ................ 100 83 – – 40 – – –

Professional and business services .................. 100 50 23 – 18 – – –

Professional and technical services .............. 100 43 25 – – – – –

Education and health services ........................... 100 57 32 – 17 – 1 1

Educational services ...................................... 100 35 30 – – 1 () – 1

See footnotes at end of table.
Table 13. Medical care benefits: Eligibility requirements, private industry workers, National Compensation

Survey, 2008—Continued

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

Characteristic Total With service

requirement

Service requirement

1 month 2 months 3 months

Greater

than 3

months

Not

determinable

Median

service

requirement

(in months)

Establishment characteristic

Junior colleges, colleges, and universities 100 36 30 – – 1 – 1

Health care and social assistance ................. 100 61 32 – 19 – 1 –

Leisure and hospitality ....................................... 100 58 22 – 30 – – 3

Accommodation and food services ................ 100 65 – – 36 – – 3

Other services ................................................... 100 41 – – – – – –

1 to 99 workers ...................................................... 100 65 21 8 26 9 1 () 3

1 to 49 workers .................................................. 100 64 21 9 25 8 1 3

50 to 99 workers ................................................ 100 67 21 – 30 11 – 3

100 workers or more .............................................. 100 58 25 7 19 6 1 () 2

100 to 499 workers ............................................ 100 67 28 9 23 7 1 () 2

500 workers or more .......................................... 100 47 22 6 15 5 1 () 2

Geographic area

New England ......................................................... 100 51 19 8 19 – – 2

Middle Atlantic ....................................................... 100 67 26 – 27 – 1 –

East North Central ................................................. 100 65 28 9 22 6 1 () 2

West North Central ................................................ 100 68 31 10 21 – – 2

South Atlantic ........................................................ 100 57 18 7 26 6 1 () 3

East South Central ................................................ 100 61 29 – 22 – – –

West South Central ............................................... 100 64 26 – 23 – 1 () 2

Mountain ................................................................ 100 58 25 – 14 14 – –

Pacific .................................................................... 100 55 18 7 21 9 1 3

See footnotes at end of table.
Table 13. Medical care benefits: Eligibility requirements,

private industry workers, National Compensation Survey,

2008—Continued

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

Characteristic

With no

service

requirement

Not

determinable

All workers ............................................................. 27 12

Worker characteristic

Management, professional, and related ................ 40 13

Management, business, and financial ............... 35 15

Professional and related .................................... 43 12

Service ................................................................... 22 11

Sales and office ..................................................... 25 10

Sales and related ............................................... 17 7

Office and administrative support ...................... 28 11

Natural resources, construction, and maintenance 20 8

Construction, extraction, farming, fishing, and

forestry ............................................................. 24 8

Installation, maintenance, and repair ................. 16 8

Production, transportation, and material moving ... 17 14

Production ......................................................... 14 15

Transportation and material moving .................. 21 11

Full time ................................................................. 28 11

Union ..................................................................... 24 15

Nonunion ............................................................... 28 11

Average wage within the following percentiles:2

Less than 10 ...................................................... – –

25 to under 50 ................................................... 21 10

50 to under 75 ................................................... 24 11

75 to under 90 ................................................... 32 11

90 or greater ...................................................... 45 11

Establishment characteristic

Goods-producing industries ................................... 20 13

Construction ...................................................... 19 5

Manufacturing .................................................... 21 15

Service-providing industries .................................. 30 11

Trade, transportation, and utilities ..................... 21 10

Wholesale trade ............................................. 22 12

Retail trade .................................................... 14 9

Transportation and warehousing ................... 33 8

Utilities ........................................................... 43 19

Information ......................................................... 29 13

Financial activities ............................................. 33 6

Finance and insurance .................................. 39 6

Credit intermediation and related activities 40 5

Insurance carriers and related activities .... 41 7

Real estate and rental and leasing ................ – –

Professional and business services .................. 32 17

Professional and technical services .............. 46 11

Education and health services ........................... 34 8

Educational services ...................................... 60 5

See footnotes at end of table.
Table 13. Medical care benefits: Eligibility requirements,

private industry workers, National Compensation Survey,

2008—Continued

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

Characteristic

With no

service

requirement

Not

determinable

Establishment characteristic

Junior colleges, colleges, and universities 57 7

Health care and social assistance ................. 30 9

Leisure and hospitality ....................................... 31 11

Accommodation and food services ................ 32 3

Other services ................................................... 46 12

1 to 99 workers ...................................................... 27 8

1 to 49 workers .................................................. 28 9

50 to 99 workers ................................................ 25 8

100 workers or more .............................................. 28 14

100 to 499 workers ............................................ 21 12

500 workers or more .......................................... 37 16

Geographic area

New England ......................................................... 36 14

Middle Atlantic ....................................................... 25 8

East North Central ................................................. 22 13

West North Central ................................................ 23 8

South Atlantic ........................................................ 35 8

East South Central ................................................ 29 10

West South Central ............................................... 26 10

Mountain ................................................................ 30 13

Pacific .................................................................... 27 17

1 Less than 0.5 percent. 2 The percentile groupings are based

on the average wage for each occupation

surveyed, which may include workers both

above and below the threshold. The

percentile values are based on the

estimates published in the "National

Compensation Survey: Occupational

Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 13. Standard errors for medical care benefits: Eligibility requirements, private industry workers,

National Compensation Survey, 2008

Characteristic With service

requirement

Service requirement

1 month 2 months 3 months Greater than

3 months

Not

determinable

Median

service

requirement

(in months)

All workers ............................................................. 1.4 1.2 0.8 1.5 0.7 1 () –

Worker characteristic

Management, professional, and related ................ 2.2 1.8 1.0 1.3 1.2 1 ( ) 0.0

Management, business, and financial ............... 2.8 2.3 1.7 1.9 0.5 1 ( ) 0.0

Professional and related .................................... 3.4 2.3 – 1.6 – 1 ( ) 0.0

Service ................................................................... 3.8 3.8 – 5.7 1.2 – 0.0

Sales and office ..................................................... 2.4 2.4 1.1 1.9 1.3 1 () –

Sales and related ............................................... 2.6 2.7 1.8 2.7 2.5 – 0.0

Office and administrative support ...................... 3.1 3.1 1.4 2.4 1.3 0.4 0.0

Natural resources, construction, and maintenance 2.9 2.5 2.7 3.7 2.5 0.4 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................. 4.8 – – 4.8 4.1 – 0.0

Installation, maintenance, and repair ................. 3.0 3.2 3.2 4.3 2.7 0.7 0.0

Production, transportation, and material moving ... 2.2 2.3 1.5 2.3 1.3 0.3 0.6

Production ......................................................... 3.4 2.9 2.1 3.0 1.7 0.4 –

Transportation and material moving .................. 3.6 3.7 1.9 3.4 2.0 0.4 0.0

Full time ................................................................. 1.4 1.3 0.8 1.6 0.6 1 ( ) 0.6

Union ..................................................................... 3.4 3.7 2.0 3.7 1.9 1 ( ) 0.3

Nonunion ............................................................... 1.5 1.4 0.8 1.5 0.8 1 ( ) 0.0

Average wage within the following percentiles:2

Less than 10 ...................................................... 6.6 – – 5.8 – – 0.5

25 to under 50 ................................................... 2.1 1.8 1.6 2.1 1.5 1 ( ) 0.0

50 to under 75 ................................................... 2.1 2.2 1.0 2.1 0.8 1 () –

75 to under 90 ................................................... 2.5 2.1 1.1 2.3 1.3 1 ( ) 0.0

90 or greater ...................................................... 2.7 2.1 1.2 1.5 – – 0.0

Establishment characteristic

Goods-producing industries ................................... 2.5 2.1 1.7 1.8 1.5 1 ( ) 0.0

Construction ...................................................... 4.4 3.5 3.2 4.2 3.7 – 0.0

Manufacturing .................................................... 3.2 2.8 1.8 2.3 1.2 1 ( ) 0.0

Service-providing industries .................................. 1.7 1.5 0.8 1.9 0.8 1 () –

Trade, transportation, and utilities ..................... 2.1 1.5 1.3 2.5 1.7 0.3 0.0

Wholesale trade ............................................. 4.1 4.7 – 5.0 – – 0.0

Retail trade .................................................... 2.7 2.8 1.9 2.8 2.6 0.7 0.0

Transportation and warehousing ................... 5.7 4.8 – 5.6 – – 0.0

Utilities ........................................................... 9.3 – – – – – –

Information ......................................................... 6.8 5.6 – 7.3 – 1 () –

Financial activities ............................................. 3.0 3.3 2.7 3.2 – – 0.4

Finance and insurance .................................. 2.6 3.0 1.1 2.2 – – 0.0

Credit intermediation and related activities 4.4 4.1 – 2.9 – – 0.2

Insurance carriers and related activities .... 4.2 3.9 – 3.8 – – 0.0

Real estate and rental and leasing ................ 7.7 – – 9.8 – – –

Professional and business services .................. 4.5 4.1 – 4.3 – – –

Professional and technical services .............. 5.8 5.7 – – – – –

Education and health services ........................... 4.3 3.6 – 3.4 – 0.7 0.2

Educational services ...................................... 5.1 4.6 – – 1 ( ) – 0.0

Junior colleges, colleges, and universities 4.7 3.8 – – 0.1 – 0.0

Health care and social assistance ................. 4.9 4.2 – 4.1 – 0.8 –

See footnotes at end of table.
Table 13. Standard errors for medical care benefits: Eligibility requirements, private industry workers,

National Compensation Survey, 2008—Continued

Characteristic With service

requirement

Service requirement

1 month 2 months 3 months Greater than

3 months

Not

determinable

Median

service

requirement

(in months)

Establishment characteristic

Leisure and hospitality ....................................... 6.3 6.2 – 7.5 – – 0.2

Accommodation and food services ................ 9.1 – – 10.2 – – 0.0

Other services ................................................... 9.5 – – – – – –

1 to 99 workers ...................................................... 2.4 2.2 1.1 2.0 1.5 1 ( ) 0.0

1 to 49 workers .................................................. 2.7 2.8 1.4 2.3 1.9 0.3 0.6

50 to 99 workers ................................................ 3.6 3.6 – 3.0 2.4 – 0.0

100 workers or more .............................................. 1.9 1.6 1.1 1.9 0.6 1 ( ) 0.0

100 to 499 workers ............................................ 2.5 2.4 1.6 2.2 0.9 1 ( ) 0.2

500 workers or more .......................................... 2.7 2.2 1.2 2.5 0.8 1 ( ) 0.4

Geographic area

New England ......................................................... 4.3 2.8 1.6 2.6 – – 0.4

Middle Atlantic ....................................................... 2.6 1.5 – 6.7 – 0.4 –

East North Central ................................................. 3.2 2.1 1.6 2.8 1.2 1 ( ) 0.0

West North Central ................................................ 4.2 4.8 1.6 5.1 – – 0.2

South Atlantic ........................................................ 2.9 2.1 1.5 2.1 0.9 1 ( ) 0.0

East South Central ................................................ 5.5 5.4 – 4.9 – – –

West South Central ............................................... 3.4 5.1 – 2.8 – 1 ( ) 0.0

Mountain ................................................................ 8.7 6.6 – 3.4 3.5 – –

Pacific .................................................................... 4.1 4.2 1.6 4.4 1.3 0.9 0.4

See footnotes at end of table.
Table 13. Standard errors for medical care benefits:

Eligibility requirements, private industry workers, National

Compensation Survey, 2008—Continued

Characteristic

With no

service

requirement

Not

determinable

All workers ............................................................. 1.3 1.1

Worker characteristic

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

Management, business, and financial ............... 2.5 1.9

Professional and related .................................... 3.4 2.1

Service ................................................................... 3.0 3.6

Sales and office ..................................................... 1.9 1.9

Sales and related ............................................... 2.1 1.6

Office and administrative support ...................... 2.5 2.7

Natural resources, construction, and maintenance 2.6 1.7

Construction, extraction, farming, fishing, and

forestry ............................................................. 4.8 2.9

Installation, maintenance, and repair ................. 2.7 1.8

Production, transportation, and material moving ... 1.9 2.1

Production ......................................................... 1.9 3.0

Transportation and material moving .................. 3.3 2.3

Full time ................................................................. 1.4 1.1

Union ..................................................................... 2.7 3.7

Nonunion ............................................................... 1.4 1.1

Average wage within the following percentiles:2

Less than 10 ...................................................... – –

25 to under 50 ................................................... 1.8 1.4

50 to under 75 ................................................... 1.6 1.5

75 to under 90 ................................................... 2.0 1.8

90 or greater ...................................................... 3.1 2.0

Establishment characteristic

Goods-producing industries ................................... 1.9 2.1

Construction ...................................................... 4.5 1.7

Manufacturing .................................................... 2.1 2.9

Service-providing industries .................................. 1.6 1.2

Trade, transportation, and utilities ..................... 1.7 1.5

Wholesale trade ............................................. 3.9 3.4

Retail trade .................................................... 2.3 1.7

Transportation and warehousing ................... 4.9 2.9

Utilities ........................................................... 10.2 15.3

Information ......................................................... 4.5 5.8

Financial activities ............................................. 2.8 1.3

Finance and insurance .................................. 2.7 1.2

Credit intermediation and related activities 4.4 1.4

Insurance carriers and related activities .... 4.2 2.7

Real estate and rental and leasing ................ – –

Professional and business services .................. 4.9 4.3

Professional and technical services .............. 7.0 3.6

Education and health services ........................... 3.7 2.9

Educational services ...................................... 5.1 1.8

Junior colleges, colleges, and universities 4.1 2.2

Health care and social assistance ................. 4.2 3.4

See footnotes at end of table.
Table 13. Standard errors for medical care benefits:

Eligibility requirements, private industry workers, National

Compensation Survey, 2008—Continued

Characteristic

With no

service

requirement

Not

determinable

Establishment characteristic

Leisure and hospitality ....................................... 7.7 3.5

Accommodation and food services ................ 9.1 2.3

Other services ................................................... 10.4 5.0

1 to 99 workers ...................................................... 2.2 1.2

1 to 49 workers .................................................. 2.5 1.6

50 to 99 workers ................................................ 3.5 2.0

100 workers or more .............................................. 1.6 1.9

100 to 499 workers ............................................ 2.2 1.8

500 workers or more .......................................... 2.4 3.0

Geographic area

New England ......................................................... 3.5 1.8

Middle Atlantic ....................................................... 2.3 1.9

East North Central ................................................. 3.6 4.5

West North Central ................................................ 4.2 2.4

South Atlantic ........................................................ 3.4 1.1

East South Central ................................................ 6.1 4.2

West South Central ............................................... 3.6 1.7

Mountain ................................................................ 6.5 6.4

Pacific .................................................................... 3.2 3.0

1 Less than 0.05. 2 The percentile groupings are based

on the average wage for each occupation

surveyed, which may include workers both

above and below the threshold. The

percentile values are based on the

estimates published in the "National

Compensation Survey: Occupational

Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 14. Medical care benefits: Coverage for selected services, private industry workers, National

Compensation Survey, 2008

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

Characteristic

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery1

Physician

office visit

Skilled

nursing

facility

Home

health

care2

Hospice

care

All workers ............................................................. 99 99 98 100 70 73 67

Worker characteristic

Management, professional, and related ................ 99 98 96 100 72 72 65

Management, business, and financial ............... 100 97 94 99 70 72 63

Professional and related .................................... 99 98 98 100 72 73 67

Service ................................................................... 100 100 99 100 66 70 64

Sales and office ..................................................... 100 98 98 100 71 73 68

Sales and related ............................................... 99 98 99 100 71 75 70

Office and administrative support ...................... 100 98 97 100 71 72 67

Natural resources, construction, and maintenance 99 99 98 100 73 76 74

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 99 98 100 72 73 76

Installation, maintenance, and repair ................. 99 99 97 100 74 78 71

Production, transportation, and material moving ... 100 100 98 99 69 73 68

Production ......................................................... 100 100 98 100 72 75 70

Transportation and material moving .................. 100 100 99 99 65 71 66

Full time ................................................................. 100 99 98 100 71 73 68

Part time ................................................................ 99 99 98 100 65 66 63

Union ..................................................................... 100 100 99 100 73 69 68

Nonunion ............................................................... 99 98 97 100 70 73 67

Average wage within the following percentiles:3

Less than 10 ...................................................... 99 99 100 100 62 67 56

10 to under 25 ................................................... 100 100 99 100 65 67 61

25 to under 50 ................................................... 100 98 98 100 71 75 71

50 to under 75 ................................................... 100 99 97 100 72 74 69

75 to under 90 ................................................... 99 98 97 99 74 74 68

90 or greater ...................................................... 99 98 97 100 68 69 62

Establishment characteristic

Goods-producing industries ................................... 100 99 98 99 72 73 69

Construction ...................................................... 100 99 99 100 69 72 73

Manufacturing .................................................... 100 99 97 99 72 73 68

Service-providing industries .................................. 99 98 97 100 70 73 67

Trade, transportation, and utilities ..................... 100 99 98 99 68 73 68

Wholesale trade ............................................. 100 100 95 100 65 69 63

Retail trade .................................................... 99 98 99 99 70 74 69

Transportation and warehousing ................... 100 99 97 99 65 79 75

Utilities ........................................................... 100 100 100 100 64 68 66

Information ......................................................... 100 99 99 100 70 66 60

Financial activities ............................................. 100 97 95 100 65 66 60

Finance and insurance .................................. 100 96 95 100 66 67 63

Credit intermediation and related activities 100 99 97 100 66 67 63

Insurance carriers and related activities .... 100 91 91 100 61 64 60

Real estate and rental and leasing ................ 100 100 94 100 63 62 49

Professional and business services .................. 98 96 95 100 70 67 62

Professional and technical services .............. 96 95 93 100 71 67 65

Administrative and waste services ................ 100 99 100 100 66 64 59

See footnotes at end of table.
Table 14. Medical care benefits: Coverage for selected services, private industry workers, National

Compensation Survey, 2008—Continued

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

Characteristic

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery1

Physician

office visit

Skilled

nursing

facility

Home

health

care2

Hospice

care

Establishment characteristic

Education and health services ........................... 100 99 100 100 76 81 74

Educational services ...................................... 100 99 99 100 74 71 67

Junior colleges, colleges, and universities 100 99 98 99 75 70 63

Health care and social assistance ................. 100 99 100 100 77 82 75

Leisure and hospitality ....................................... 98 100 100 100 57 64 56

Accommodation and food services ................ 100 100 100 100 53 66 54

Other services ................................................... 100 100 100 100 86 92 84

1 to 99 workers ...................................................... 100 99 98 100 72 75 69

1 to 49 workers .................................................. 99 98 98 99 74 77 71

50 to 99 workers ................................................ 100 100 99 100 68 71 66

100 workers or more .............................................. 99 98 97 100 69 71 66

100 to 499 workers ............................................ 99 99 97 100 71 71 65

500 workers or more .......................................... 100 98 97 99 67 71 67

Geographic area

New England ......................................................... 100 100 99 99 77 72 67

Middle Atlantic ....................................................... 100 99 96 100 75 76 73

East North Central ................................................. 98 96 94 99 72 73 67

West North Central ................................................ 100 98 99 99 64 64 65

South Atlantic ........................................................ 100 99 98 100 69 73 67

East South Central ................................................ 100 98 98 100 66 76 69

West South Central ............................................... 100 99 99 100 62 67 62

Mountain ................................................................ 99 99 99 99 72 76 67

Pacific .................................................................... 100 99 100 100 73 75 67

1 Services incurred in the outpatient department of a hospital. 2 Plans that provide post-hospitalization care only to patients who were

previously hospitalized and are recovering without need of the extensive care

provided by a general hospital. 3 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." See Technical Note for more details.

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

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 14. Standard errors for medical care benefits: Coverage for selected services, private industry

workers, National Compensation Survey, 2008

Characteristic

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery1

Physician

office visit

Skilled

nursing

facility

Home

health

care2

Hospice

care

All workers ............................................................. 0.2 0.3 0.4 0.1 1.4 1.3 1.4

Worker characteristic

Management, professional, and related ................ 0.4 0.6 0.7 0.2 2.2 2.3 2.5

Management, business, and financial ............... 0.4 0.8 1.3 0.2 2.1 2.6 2.9

Professional and related .................................... 0.5 0.6 0.6 0.2 3.0 3.0 3.2

Service ................................................................... 0.2 0.1 0.2 0.1 4.0 4.6 4.6

Sales and office ..................................................... 0.3 0.5 0.5 0.1 2.0 2.0 2.1

Sales and related ............................................... 0.3 0.7 0.4 0.2 2.7 2.7 3.3

Office and administrative support ...................... 0.4 0.7 0.7 0.1 2.5 2.5 2.5

Natural resources, construction, and maintenance 0.5 0.6 0.9 0.0 3.5 3.3 3.5

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.1 0.7 0.8 0.0 5.1 5.7 4.2

Installation, maintenance, and repair ................. 1.0 1.0 1.5 0.1 4.3 4.1 4.7

Production, transportation, and material moving ... 0.0 0.1 0.6 0.2 2.9 2.6 2.5

Production ......................................................... 0.0 0.2 1.0 0.2 3.1 3.0 3.0

Transportation and material moving .................. 0.0 0.2 0.3 0.3 4.2 4.0 3.9

Full time ................................................................. 0.2 0.3 0.4 0.1 1.4 1.3 1.4

Part time ................................................................ 0.9 1.0 1.1 0.0 5.9 5.9 5.8

Union ..................................................................... 0.0 0.1 0.3 0.1 2.9 3.4 3.6

Nonunion ............................................................... 0.2 0.4 0.5 0.1 1.4 1.3 1.4

Average wage within the following percentiles:3

Less than 10 ...................................................... 0.9 1.9 0.0 0.0 8.4 7.2 8.2

10 to under 25 ................................................... 0.2 0.3 0.4 0.0 5.2 5.7 5.5

25 to under 50 ................................................... 0.3 0.4 0.4 0.2 1.7 1.6 1.8

50 to under 75 ................................................... 0.2 0.4 0.4 0.1 1.9 1.7 2.0

75 to under 90 ................................................... 0.3 0.7 0.8 0.2 2.0 2.1 2.3

90 or greater ...................................................... 0.5 0.6 0.9 0.2 3.3 3.5 3.3

Establishment characteristic

Goods-producing industries ................................... 0.0 0.3 0.7 0.3 2.6 2.4 2.2

Construction ...................................................... 0.1 0.5 0.6 0.0 5.8 6.0 5.4

Manufacturing .................................................... 0.0 0.3 1.0 0.4 2.7 2.7 2.8

Service-providing industries .................................. 0.2 0.4 0.5 0.1 1.6 1.5 1.6

Trade, transportation, and utilities ..................... 0.1 0.4 1.3 0.2 2.5 2.3 2.5

Wholesale trade ............................................. 0.0 0.0 4.6 0.0 4.1 4.0 3.9

Retail trade .................................................... 0.3 0.7 0.5 0.4 2.8 2.8 3.0

Transportation and warehousing ................... 0.0 1.0 1.1 0.3 4.9 5.0 5.2

Utilities ........................................................... 0.0 0.0 0.1 0.0 13.3 13.7 13.5

Information ......................................................... 0.0 0.6 0.6 0.0 6.8 6.2 6.7

Financial activities ............................................. 0.1 1.2 1.6 0.1 2.7 2.9 3.2

Finance and insurance .................................. 0.0 1.6 1.8 0.1 2.7 2.5 2.6

Credit intermediation and related activities 0.0 0.6 1.8 0.0 3.9 3.6 3.8

Insurance carriers and related activities .... 0.0 4.2 4.2 0.4 4.7 4.9 4.5

Real estate and rental and leasing ................ 0.5 0.5 4.4 0.0 8.9 9.0 11.2

Professional and business services .................. 1.0 1.8 1.7 0.0 4.7 4.5 4.7

Professional and technical services .............. 1.9 1.9 2.7 0.0 6.7 6.8 6.8

Administrative and waste services ................ 0.0 0.6 0.0 0.0 8.1 8.3 8.7

See footnotes at end of table.
Table 14. Standard errors for medical care benefits: Coverage for selected services, private industry

workers, National Compensation Survey, 2008—Continued

Characteristic

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery1

Physician

office visit

Skilled

nursing

facility

Home

health

care2

Hospice

care

Establishment characteristic

Education and health services ........................... 0.0 0.3 0.2 0.1 2.8 2.4 3.2

Educational services ...................................... 0.0 0.4 0.4 0.4 3.4 3.1 3.6

Junior colleges, colleges, and universities 0.0 0.6 0.6 0.6 4.1 3.7 4.1

Health care and social assistance ................. 0.0 0.3 0.2 0.0 3.3 2.8 3.7

Leisure and hospitality ....................................... 1.7 0.0 0.0 0.0 7.2 8.4 6.6

Accommodation and food services ................ 0.0 0.0 0.0 0.0 9.0 11.4 8.5

Other services ................................................... 0.0 0.0 0.0 0.0 7.2 5.9 8.2

1 to 99 workers ...................................................... 0.2 0.4 0.5 0.1 2.1 2.1 2.4

1 to 49 workers .................................................. 0.3 0.6 0.7 0.2 2.4 2.2 2.8

50 to 99 workers ................................................ 0.1 0.2 0.7 0.1 4.0 3.9 3.9

100 workers or more .............................................. 0.3 0.5 0.7 0.1 2.0 2.1 2.3

100 to 499 workers ............................................ 0.6 0.5 1.1 0.1 2.4 2.4 2.6

500 workers or more .......................................... 0.0 0.9 0.8 0.3 3.0 3.3 3.6

Geographic area

New England ......................................................... 0.0 0.3 0.3 0.4 4.4 5.8 4.6

Middle Atlantic ....................................................... 0.2 0.4 1.7 0.2 2.4 1.9 2.5

East North Central ................................................. 0.9 1.5 1.4 0.3 2.8 3.4 3.8

West North Central ................................................ 0.3 0.5 0.4 0.4 4.4 7.3 6.2

South Atlantic ........................................................ 0.0 0.5 1.0 0.0 3.2 2.8 3.2

East South Central ................................................ 0.0 1.9 1.9 0.0 7.7 6.1 7.7

West South Central ............................................... 0.1 0.4 0.4 0.0 4.0 3.9 3.7

Mountain ................................................................ 1.0 0.7 0.7 0.7 3.3 3.3 4.9

Pacific .................................................................... 0.0 0.4 0.2 0.0 4.8 3.6 4.0

1 Services incurred in the outpatient department of a hospital. 2 Plans that provide post-hospitalization care only to patients who were

previously hospitalized and are recovering without need of the extensive care

provided by a general hospital. 3 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." See Technical Note for more details.

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

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 15. Medical care benefits: Median copayment1 per visit for selected services by type of plan, private industry

workers, National Compensation Survey, 2008

(Includes all workers participating in plans with specified copayments)

Characteristic

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 $15 – $50 $75

Worker characteristic

Management, professional, and related ................ 250 250 250 20 20 15 – – –

Management, business, and financial ............... 250 250 250 20 20 15 – – –

Professional and related .................................... 250 250 250 20 20 15 – – –

Service ................................................................... 250 250 250 20 20 15 – – –

Sales and office ..................................................... 250 250 250 20 20 20 – – 100

Sales and related ............................................... 250 250 250 20 20 20 $100 – 125

Office and administrative support ...................... 250 250 250 20 20 – – – –

Natural resources, construction, and maintenance 250 – 250 20 20 15 75 – 75

Construction, extraction, farming, fishing, and

forestry ............................................................. – – 250 20 20 – – – –

Installation, maintenance, and repair ................. – – 250 20 20 – – – –

Production, transportation, and material moving ... 250 200 250 20 20 – 75 – 75

Production ......................................................... 250 200 – 20 20 20 – – 100

Transportation and material moving .................. 250 – 250 20 20 15 – – –

Full time ................................................................. 250 250 250 20 20 15 – 50 75

Part time ................................................................ 250 250 – 20 20 15 – – –

Union ..................................................................... 250 – 250 15 15 – – – –

Nonunion ............................................................... 250 250 250 20 20 20 – 50 –

Average wage within the following percentiles:2

Less than 10 ...................................................... – 250 – 20 20 20 – – –

10 to under 25 ................................................... 250 250 500 20 20 20 – – –

25 to under 50 ................................................... 250 250 250 20 20 20 50 – –

50 to under 75 ................................................... 250 250 250 20 20 15 – – 100

75 to under 90 ................................................... 250 250 250 20 20 15 – 75 –

90 or greater ...................................................... 250 250 250 20 20 15 – – –

Establishment characteristic

Goods-producing industries ................................... 250 250 250 20 20 – – 30 75

Construction ...................................................... 400 400 – 20 20 15 – – –

Manufacturing .................................................... 250 200 250 20 20 – 30 30 –

Service-providing industries .................................. 250 250 250 20 20 15 – – –

Trade, transportation, and utilities ..................... 250 – 250 20 20 – 100 100 100

Wholesale trade ............................................. 250 – – 20 20 15 100 100 100

Retail trade .................................................... 250 250 – 20 25 20 – 100 125

Transportation and warehousing ................... 250 – 250 20 20 – – – –

Utilities ........................................................... 100 100 250 15 – – 25 25 25

Information ......................................................... 250 300 – 20 20 15 – – –

Financial activities ............................................. 250 250 250 20 20 20 – 25 –

Finance and insurance .................................. 250 250 250 20 20 20 – – –

Credit intermediation and related activities 250 250 250 20 20 20 25 25 –

Insurance carriers and related activities .... 250 250 – 20 20 – – – –

Real estate and rental and leasing ................ 250 – 250 20 25 20 – 20 –

Professional and business services .................. 250 200 – 20 20 – 100 – –

Professional and technical services .............. 250 – 250 20 20 20 – – 150

Administrative and waste services ................ 250 – 250 20 20 – 150 – 150

See footnotes at end of table.
Table 15. Medical care benefits: Median copayment1 per visit for selected services by type of plan, private industry

workers, National Compensation Survey, 2008—Continued

(Includes all workers participating in plans with specified copayments)

Characteristic

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

Establishment characteristic

Education and health services ........................... $250 – $250 $20 $20 $15 $30 – –

Educational services ...................................... 250 $250 250 15 20 15 – – $20

Junior colleges, colleges, and universities 240 250 150 15 – 15 – – –

Health care and social assistance ................. 250 – 250 20 20 15 30 – –

Leisure and hospitality ....................................... 250 250 – 20 20 20 – – 50

Accommodation and food services ................ 250 250 – 20 20 – – – –

Other services ................................................... – – – 20 20 20 – – –

1 to 99 workers ...................................................... 250 250 250 20 20 20 – – –

1 to 49 workers .................................................. 250 250 250 20 20 20 – – –

50 to 99 workers ................................................ 250 250 – 20 20 20 – – –

100 workers or more .............................................. 250 250 250 20 20 15 – $50 –

100 to 499 workers ............................................ 250 250 250 20 20 15 – – –

500 workers or more .......................................... 250 – 250 15 20 15 50 50 –

Geographic area

New England ......................................................... 250 250 250 15 – 15 – – –

Middle Atlantic ....................................................... 250 – 250 20 20 15 75 – 75

East North Central ................................................. 250 200 250 20 20 15 50 50 –

West North Central ................................................ 250 240 300 20 20 20 – 50 –

South Atlantic ........................................................ 250 250 250 20 20 20 – 50 –

East South Central ................................................ 250 – – 20 20 – – – –

West South Central ............................................... 250 250 500 20 20 20 – – –

Mountain ................................................................ 250 250 250 20 20 20 – – –

Pacific .................................................................... 250 – 250 – 20 15 – – –

1 A copayment is the amount of covered expenses that an individual must pay

before any charges are paid by the medical plan. 2 The percentile groupings are based on the average wage for each occupation

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

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 15. Standard errors for medical care benefits: Median copayment per visit for selected services by type of plan,

private industry workers, National Compensation Survey, 2008

Characteristic

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 ............................................................. $0.00 $0.00 $0.00 $0.00 $0.00 $2.77 – $12.98 $20.32

Worker characteristic

Management, professional, and related ................ 0.00 17.33 0.00 0.00 0.00 0.00 – – –

Management, business, and financial ............... 0.00 17.44 24.03 0.00 0.00 0.98 – – –

Professional and related .................................... 0.00 35.37 0.00 0.00 0.00 1.96 – – –

Service ................................................................... 0.00 29.43 0.00 0.00 0.00 0.00 – – –

Sales and office ..................................................... 0.00 21.94 0.00 0.00 0.00 1.96 – – 16.27

Sales and related ............................................... 0.00 13.87 38.00 0.00 0.00 0.00 $16.99 – 37.36

Office and administrative support ...................... 0.00 56.36 16.99 0.00 0.00 – – – –

Natural resources, construction, and maintenance 71.42 – 29.43 0.00 0.00 4.28 20.81 – 16.27

Construction, extraction, farming, fishing, and

forestry ............................................................. – – 41.62 0.00 0.00 – – – –

Installation, maintenance, and repair ................. – – 55.50 0.00 0.00 – – – –

Production, transportation, and material moving ... 0.00 53.74 13.87 0.00 0.00 – 13.42 – 19.94

Production ......................................................... 19.62 56.36 – 0.00 0.00 5.64 – – 27.75

Transportation and material moving .................. 0.00 – 0.00 0.00 0.00 0.00 – – –

Full time ................................................................. 0.00 0.00 0.00 0.00 0.00 3.67 – 12.02 20.88

Part time ................................................................ 0.00 27.75 – 0.00 0.00 1.39 – – –

Union ..................................................................... 0.00 – 0.00 0.00 0.00 – – – –

Nonunion ............................................................... 0.00 1.96 0.00 0.00 0.00 0.00 – 14.72 –

Average wage within the following percentiles:1

Less than 10 ...................................................... – 0.00 – 0.00 1.70 0.00 – – –

10 to under 25 ................................................... 0.00 0.00 140.81 0.00 0.00 2.19 – – –

25 to under 50 ................................................... 0.00 0.00 0.00 0.00 0.00 0.00 12.06 – –

50 to under 75 ................................................... 0.00 46.06 0.00 0.00 0.00 0.00 – – 20.81

75 to under 90 ................................................... 0.00 10.00 0.00 0.00 0.00 0.00 – 21.38 –

90 or greater ...................................................... 0.00 55.95 16.99 0.00 0.00 1.96 – – –

Establishment characteristic

Goods-producing industries ................................... 0.00 9.81 0.00 0.00 0.00 – – 6.05 16.39

Construction ...................................................... 96.12 101.96 – 0.00 0.98 0.98 – – –

Manufacturing .................................................... 9.81 59.68 0.00 0.00 0.00 – 0.98 4.91 –

Service-providing industries .................................. 0.00 9.81 0.00 0.00 0.00 2.77 – – –

Trade, transportation, and utilities ..................... 0.00 – 0.00 0.00 0.00 – 0.00 0.00 0.00

Wholesale trade ............................................. 0.00 – – 0.00 0.98 0.00 6.94 22.88 12.02

Retail trade .................................................... 0.00 13.87 – 0.00 5.89 0.00 – 25.96 30.63

Transportation and warehousing ................... 36.71 – 0.00 2.60 0.00 – – – –

Utilities ........................................................... 0.00 0.00 54.62 0.98 – – 0.98 0.00 4.81

Information ......................................................... 46.02 60.48 – 0.00 0.00 3.54 – – –

Financial activities ............................................. 0.00 0.00 0.00 0.00 0.00 0.00 – 2.19 –

Finance and insurance .................................. 0.00 0.00 0.00 0.00 0.00 2.40 – – –

Credit intermediation and related activities 0.00 0.00 0.00 0.00 0.98 3.40 4.05 3.25 –

Insurance carriers and related activities .... 29.43 33.99 – 3.54 1.70 – – – –

Real estate and rental and leasing ................ 0.00 – 0.00 2.94 5.72 0.00 – 0.00 –

Professional and business services .................. 0.00 9.81 – 0.00 0.00 – 0.00 – –

Professional and technical services .............. 0.00 – 72.76 0.00 1.39 2.40 – – 42.20

Administrative and waste services ................ 9.81 – 0.00 2.19 0.00 – 0.00 – 0.00

See footnotes at end of table.
Table 15. Standard errors for medical care benefits: Median copayment per visit for selected services by type of plan,

private industry workers, National Compensation Survey, 2008—Continued

Characteristic

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

Establishment characteristic

Education and health services ........................... $17.88 – $0.00 $1.39 $0.00 $0.00 $5.10 – –

Educational services ...................................... 0.00 $0.00 12.25 4.16 1.70 0.00 – – $4.91

Junior colleges, colleges, and universities 50.26 11.77 0.00 0.00 – 0.00 – – –

Health care and social assistance ................. 47.05 – 0.00 0.00 0.00 2.77 5.37 – –

Leisure and hospitality ....................................... 16.99 0.00 – 0.00 0.00 5.00 – – 0.00

Accommodation and food services ................ 0.00 0.00 – 0.00 0.00 – – – –

Other services ................................................... – – – 2.19 2.60 5.37 – – –

1 to 99 workers ...................................................... 0.00 25.96 31.02 0.00 0.00 0.00 – – –

1 to 49 workers .................................................. 0.00 40.45 32.54 0.00 0.00 0.00 – – –

50 to 99 workers ................................................ 0.00 29.43 – 0.00 0.00 4.05 – – –

100 workers or more .............................................. 0.00 10.00 0.00 0.00 0.00 0.00 – $5.28 –

100 to 499 workers ............................................ 0.00 0.00 0.00 0.00 0.00 0.00 – – –

500 workers or more .......................................... 0.00 – 0.00 0.00 1.68 0.00 0.00 0.00 –

Geographic area

New England ......................................................... 0.00 43.87 0.00 4.39 – 2.19 – – –

Middle Atlantic ....................................................... 0.00 – 0.00 5.89 2.40 0.00 1.96 – 13.87

East North Central ................................................. 31.02 0.00 0.00 0.00 0.00 0.00 9.46 14.72 –

West North Central ................................................ 0.00 55.81 61.27 0.00 0.00 0.00 – 10.38 –

South Atlantic ........................................................ 0.00 0.00 0.00 0.00 0.00 0.00 – 12.79 –

East South Central ................................................ 42.85 – – 0.00 0.00 – – – –

West South Central ............................................... 0.00 19.62 0.00 0.00 0.00 0.00 – – –

Mountain ................................................................ 0.00 0.00 50.98 0.00 0.00 2.77 – – –

Pacific .................................................................... 0.00 – 0.00 – 0.00 0.00 – – –

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

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

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

Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 16. Medical care benefits: Median number of days or visits covered per year for

selected services by type of plan, private industry workers, National Compensation

Survey, 2008

(Includes all workers participating in plans with specified day limits)

Characteristic

Skilled nursing facility Home health care1

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All workers ............................................................. 90 90 100 100 100 100

Worker characteristic

Management, professional, and related ................ 90 90 100 100 90 100

Management, business, and financial ............... 100 90 100 100 100 100

Professional and related .................................... 90 90 100 90 90 100

Service ................................................................... – 60 100 100 100 60

Sales and office ..................................................... 100 90 100 90 90 100

Sales and related ............................................... 100 90 100 – 60 100

Office and administrative support ...................... 100 90 100 100 100 –

Natural resources, construction, and maintenance 90 90 100 100 100 100

Construction, extraction, farming, fishing, and

forestry ............................................................. 90 – 100 100 90 120

Installation, maintenance, and repair ................. 100 90 100 100 100 100

Production, transportation, and material moving ... 90 90 100 100 100 100

Production ......................................................... 100 90 100 100 100 100

Transportation and material moving .................. – 60 100 90 90 100

Full time ................................................................. 90 90 100 100 100 100

Part time ................................................................ 100 90 100 – – –

Union ..................................................................... 100 90 100 100 100 100

Nonunion ............................................................... 90 90 100 100 90 100

Average wage within the following percentiles:2

Less than 10 ...................................................... – 60 – – – –

10 to under 25 ................................................... 90 – 100 100 90 –

25 to under 50 ................................................... 90 – 100 100 100 60

50 to under 75 ................................................... 100 90 100 100 90 100

75 to under 90 ................................................... 100 100 100 100 100 100

90 or greater ...................................................... – – 100 90 90 –

Establishment characteristic

Goods-producing industries ................................... 100 90 100 100 100 100

Construction ...................................................... 90 – 100 100 90 –

Manufacturing .................................................... 100 100 100 100 100 100

Service-providing industries .................................. 90 90 100 100 100 100

Trade, transportation, and utilities ..................... 90 – 100 – – 100

Wholesale trade ............................................. 100 100 100 90 90 100

Retail trade .................................................... 90 – 100 – – 100

Transportation and warehousing ................... 60 60 100 – – –

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

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

Financial activities ............................................. 90 – 100 100 100 –

Finance and insurance .................................. 90 – 100 100 100 100

Credit intermediation and related activities 100 100 – 100 100 –

Insurance carriers and related activities .... – 60 100 100 100 100

Real estate and rental and leasing ................ – – – – 100 –

Professional and business services .................. 100 100 100 100 100 100

Professional and technical services .............. – – 100 100 100 120

Administrative and waste services ................ 100 100 100 100 100 –

See footnotes at end of table.
Table 16. Medical care benefits: Median number of days or visits covered per year for

selected services by type of plan, private industry workers, National Compensation

Survey, 2008—Continued

(Includes all workers participating in plans with specified day limits)

Characteristic

Skilled nursing facility Home health care1

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All

plans

Fee-forservice

plans

Health

maintenance

organizations

Establishment characteristic

Education and health services ........................... 90 – 100 90 90 100

Educational services ...................................... 90 90 100 100 100 100

Junior colleges, colleges, and universities 100 90 100 100 100 –

Health care and social assistance ................. 90 – 100 90 90 –

Leisure and hospitality ....................................... – 60 100 100 100 –

Accommodation and food services ................ 90 60 – 100 100 –

Other services ................................................... 90 – 100 90 90 –

1 to 99 workers ...................................................... 100 90 100 90 90 100

1 to 49 workers .................................................. 100 90 100 90 90 100

50 to 99 workers ................................................ 100 90 100 100 90 100

100 workers or more .............................................. 90 – 100 100 100 100

100 to 499 workers ............................................ 90 90 100 100 100 100

500 workers or more .......................................... – – 100 100 100 90

Geographic area

New England ......................................................... 100 100 100 100 100 100

Middle Atlantic ....................................................... 100 90 100 100 100 120

East North Central ................................................. – 90 – 90 90 60

West North Central ................................................ 60 – – 100 100 60

South Atlantic ........................................................ 90 60 100 90 90 60

East South Central ................................................ 100 90 – – 90 –

West South Central ............................................... 60 60 100 100 – 100

Mountain ................................................................ 90 90 100 – – 100

Pacific .................................................................... 100 100 100 100 100 100

1 Plans that provide post-hospitalization care only to patients

who were previously hospitalized and are recovering without need

of the extensive care provided by a general hospital. 2 The percentile groupings are based on the average wage for

each occupation surveyed, which may include workers both above

and below the threshold. The percentile values are based on the

estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 16. Standard errors for medical care benefits: Median number of days or visits

covered per year for selected services by type of plan, private industry workers, National

Compensation Survey, 2008

Characteristic

Skilled nursing facility Home health care

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All workers ............................................................. 6.8 3.9 0.0 4.8 9.6 0.0

Worker characteristic

Management, professional, and related ................ 9.4 16.1 0.0 10.0 12.3 0.0

Management, business, and financial ............... 2.8 18.2 0.0 0.0 2.0 0.0

Professional and related .................................... 7.3 22.4 0.0 9.2 6.2 12.6

Service ................................................................... – 8.3 0.0 2.8 0.0 0.0

Sales and office ..................................................... 10.7 3.4 0.0 14.8 12.3 11.3

Sales and related ............................................... 13.0 20.3 0.0 – 15.1 0.0

Office and administrative support ...................... 10.9 8.8 2.0 0.0 0.0 –

Natural resources, construction, and maintenance 11.9 23.7 0.0 4.8 9.2 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................. 18.0 – 3.9 10.6 14.0 11.8

Installation, maintenance, and repair ................. 13.2 16.2 0.0 3.9 4.4 17.5

Production, transportation, and material moving ... 13.2 2.0 0.0 10.4 12.9 13.0

Production ......................................................... 7.3 0.0 0.0 6.5 4.8 21.1

Transportation and material moving .................. – 0.0 0.0 9.4 19.3 4.4

Full time ................................................................. 4.4 3.9 0.0 0.0 5.2 0.0

Part time ................................................................ 2.0 13.7 0.0 – – –

Union ..................................................................... 11.9 2.0 0.0 0.0 0.0 11.9

Nonunion ............................................................... 4.4 7.3 0.0 8.1 14.0 0.0

Average wage within the following percentiles:1

Less than 10 ...................................................... – 0.0 – – – –

10 to under 25 ................................................... 10.2 – 0.0 12.4 11.6 –

25 to under 50 ................................................... 0.0 – 0.0 6.5 2.8 17.5

50 to under 75 ................................................... 12.9 0.0 0.0 11.3 7.8 0.0

75 to under 90 ................................................... 0.0 9.8 0.0 0.0 0.0 0.0

90 or greater ...................................................... – – 0.0 23.6 18.3 –

Establishment characteristic

Goods-producing industries ................................... 2.0 2.8 0.0 3.9 6.5 2.0

Construction ...................................................... 17.9 – 3.9 22.2 20.7 –

Manufacturing .................................................... 0.0 13.7 0.0 6.2 6.2 6.5

Service-providing industries .................................. 2.0 25.5 0.0 8.1 12.1 0.0

Trade, transportation, and utilities ..................... 2.8 – 0.0 – – 20.8

Wholesale trade ............................................. 5.5 20.4 7.8 7.8 7.8 23.5

Retail trade .................................................... 4.4 – 0.0 – – 26.3

Transportation and warehousing ................... 0.0 0.0 2.0 – – –

Utilities ........................................................... 3.9 28.0 0.0 11.1 – 0.0

Information ......................................................... 2.8 – 0.0 10.4 25.7 0.0

Financial activities ............................................. 17.5 – 0.0 0.0 0.0 –

Finance and insurance .................................. 17.5 – 0.0 0.0 0.0 0.0

Credit intermediation and related activities 3.9 2.8 – 0.0 7.8 –

Insurance carriers and related activities .... – 2.0 2.8 0.0 0.0 24.8

Real estate and rental and leasing ................ – – – – 27.5 –

Professional and business services .................. 9.0 14.1 23.5 2.0 2.0 29.1

Professional and technical services .............. – – 0.0 4.4 5.5 0.0

Administrative and waste services ................ 0.0 0.0 0.0 10.0 12.3 –

See footnotes at end of table.
Table 16. Standard errors for medical care benefits: Median number of days or visits

covered per year for selected services by type of plan, private industry workers, National

Compensation Survey, 2008—Continued

Characteristic

Skilled nursing facility Home health care

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All

plans

Fee-forservice

plans

Health

maintenance

organizations

Establishment characteristic

Education and health services ........................... 9.2 – 0.0 8.6 6.2 26.0

Educational services ...................................... 11.9 0.0 2.0 2.8 7.8 0.0

Junior colleges, colleges, and universities 9.6 12.3 2.0 4.4 0.0 –

Health care and social assistance ................. 22.8 – 0.0 7.6 4.8 –

Leisure and hospitality ....................................... – 15.6 0.0 0.0 6.8 –

Accommodation and food services ................ 17.7 17.7 – 0.0 24.0 –

Other services ................................................... 13.2 – 0.0 12.7 10.0 –

1 to 99 workers ...................................................... 6.2 0.0 0.0 7.3 2.0 0.0

1 to 49 workers .................................................. 9.4 0.0 0.0 4.4 2.0 2.8

50 to 99 workers ................................................ 9.4 6.5 0.0 9.6 12.3 0.0

100 workers or more .............................................. 5.5 – 0.0 0.0 0.0 14.9

100 to 499 workers ............................................ 3.9 22.8 0.0 0.0 0.0 17.5

500 workers or more .......................................... – – 2.8 0.0 0.0 26.5

Geographic area

New England ......................................................... 0.0 0.0 0.0 17.5 20.0 11.4

Middle Atlantic ....................................................... 5.5 12.6 28.3 0.0 0.0 27.5

East North Central ................................................. – 26.5 – 13.9 3.9 15.7

West North Central ................................................ 0.0 – – 28.2 8.3 15.0

South Atlantic ........................................................ 26.0 16.8 0.0 0.0 2.0 0.0

East South Central ................................................ 13.7 14.3 – – 18.6 –

West South Central ............................................... 0.0 0.0 7.1 13.5 – 10.4

Mountain ................................................................ 14.7 25.7 0.0 – – 2.0

Pacific .................................................................... 0.0 8.3 0.0 0.0 0.0 0.0

1 The percentile groupings are based on the average wage for

each occupation surveyed, which may include workers both above

and below the threshold. The percentile values are based on the

estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 17. Fee-for-service plans: Coverage for selected services, private industry workers, National

Compensation Survey, 2008

(All workers participating in fee-for-service plans = 100 percent)

Characteristic

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery1

Physician

office visit

Skilled

nursing

facility

Home

health

care2

Hospice

care

All workers ............................................................. 99 98 98 100 70 73 68

Worker characteristic

Management, professional, and related ................ 99 97 96 99 71 73 66

Management, business, and financial ............... 99 97 94 99 70 72 63

Professional and related .................................... 99 98 97 100 72 73 67

Service ................................................................... 100 99 100 100 65 69 64

Sales and office ..................................................... 99 98 98 99 70 73 69

Sales and related ............................................... 99 98 99 99 71 76 70

Office and administrative support ...................... 99 98 97 99 70 72 69

Natural resources, construction, and maintenance 99 98 98 100 76 81 79

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 99 98 100 75 78 83

Installation, maintenance, and repair ................. 99 98 98 100 76 84 75

Production, transportation, and material moving ... 100 100 99 99 68 73 68

Production ......................................................... 100 100 99 99 71 74 70

Transportation and material moving .................. 100 100 99 99 65 72 66

Full time ................................................................. 99 98 98 99 70 74 69

Part time ................................................................ 98 98 98 100 67 68 65

Union ..................................................................... 100 100 99 99 77 73 74

Nonunion ............................................................... 99 98 97 100 69 73 67

Average wage within the following percentiles:3

Less than 10 ...................................................... 99 98 100 100 60 65 53

10 to under 25 ................................................... 100 99 100 100 63 65 59

25 to under 50 ................................................... 99 98 98 99 71 76 72

50 to under 75 ................................................... 100 98 98 100 71 75 71

75 to under 90 ................................................... 99 98 96 99 73 74 69

90 or greater ...................................................... 99 98 97 100 70 71 65

Establishment characteristic

Goods-producing industries ................................... 100 99 97 99 71 74 71

Construction ...................................................... 100 99 99 100 69 74 75

Manufacturing .................................................... 100 99 97 99 71 73 68

Service-providing industries .................................. 99 98 98 100 70 73 68

Trade, transportation, and utilities ..................... 100 99 99 99 68 75 70

Wholesale trade ............................................. 100 100 100 100 65 67 61

Retail trade .................................................... 99 98 99 99 72 76 71

Transportation and warehousing ................... 100 98 97 99 63 86 80

Utilities ........................................................... 100 100 100 100 61 64 64

Information ......................................................... 100 99 99 100 69 68 63

Financial activities ............................................. 100 96 95 100 65 67 61

Finance and insurance .................................. 100 96 95 100 64 68 62

Credit intermediation and related activities 100 99 98 100 64 68 62

Insurance carriers and related activities .... 100 90 91 100 60 64 60

Real estate and rental and leasing ................ 99 99 95 100 67 66 57

Professional and business services .................. 97 95 94 100 67 65 61

Professional and technical services .............. 95 95 93 100 70 68 66

Administrative and waste services ................ 100 99 100 100 63 60 55

See footnotes at end of table.
Table 17. Fee-for-service plans: Coverage for selected services, private industry workers, National

Compensation Survey, 2008—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristic

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery1

Physician

office visit

Skilled

nursing

facility

Home

health

care2

Hospice

care

Establishment characteristic

Education and health services ........................... 100 99 100 100 78 81 75

Educational services ...................................... 100 99 99 100 77 72 66

Junior colleges, colleges, and universities 100 98 98 99 83 77 69

Health care and social assistance ................. 100 99 100 100 78 82 76

Leisure and hospitality ....................................... 97 100 100 100 58 68 59

Accommodation and food services ................ 100 100 100 100 54 67 56

Other services ................................................... 100 100 100 100 93 97 86

1 to 99 workers ...................................................... 99 98 98 100 72 75 69

1 to 49 workers .................................................. 99 98 98 99 75 78 71

50 to 99 workers ................................................ 100 100 99 100 66 69 64

100 workers or more .............................................. 99 98 97 100 69 72 68

100 to 499 workers ............................................ 99 98 98 100 72 73 68

500 workers or more .......................................... 100 98 97 99 66 71 68

Geographic area

New England ......................................................... 100 100 99 99 80 77 74

Middle Atlantic ....................................................... 100 99 98 100 77 79 76

East North Central ................................................. 98 95 94 99 72 72 67

West North Central ................................................ 100 99 99 99 62 62 64

South Atlantic ........................................................ 100 99 97 100 68 72 68

East South Central ................................................ 100 98 98 100 65 76 70

West South Central ............................................... 100 99 99 100 63 68 64

Mountain ................................................................ 99 98 99 99 72 77 67

Pacific .................................................................... 100 99 99 100 73 78 69

1 Services incurred in the outpatient department of a hospital. 2 Plans that provide post-hospitalization care only to patients who were

previously hospitalized and are recovering without need of the extensive care

provided by a general hospital. 3 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." See Technical Note for more details.

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

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 17. Standard errors for fee-for-service plans: Coverage for selected services, private industry

workers, National Compensation Survey, 2008

Characteristic

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery1

Physician

office visit

Skilled

nursing

facility

Home

health

care2

Hospice

care

All workers ............................................................. 0.2 0.4 0.4 0.1 1.6 1.5 1.6

Worker characteristic

Management, professional, and related ................ 0.5 0.8 0.9 0.2 2.5 2.6 2.8

Management, business, and financial ............... 0.5 1.0 1.5 0.3 2.4 2.8 3.0

Professional and related .................................... 0.6 0.8 0.8 0.2 3.5 3.4 3.6

Service ................................................................... 0.3 0.2 0.1 0.1 5.5 5.8 5.8

Sales and office ..................................................... 0.4 0.7 0.6 0.1 2.4 2.2 2.4

Sales and related ............................................... 0.4 0.8 0.3 0.3 3.0 2.9 3.8

Office and administrative support ...................... 0.5 0.9 0.8 0.2 3.1 2.9 2.9

Natural resources, construction, and maintenance 0.7 0.8 0.9 0.1 3.6 3.0 3.3

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.2 0.9 1.0 0.0 5.6 5.8 4.5

Installation, maintenance, and repair ................. 1.3 1.4 1.4 0.1 3.6 3.3 4.2

Production, transportation, and material moving ... 0.0 0.2 0.5 0.2 3.1 2.7 2.8

Production ......................................................... 0.0 0.2 0.6 0.2 3.4 3.2 3.3

Transportation and material moving .................. 0.0 0.2 0.4 0.4 4.4 4.4 4.3

Full time ................................................................. 0.2 0.4 0.4 0.1 1.7 1.6 1.7

Part time ................................................................ 1.2 1.4 1.4 0.0 6.9 6.9 7.0

Union ..................................................................... 0.0 0.1 0.4 0.1 3.1 4.0 3.8

Nonunion ............................................................... 0.3 0.5 0.5 0.1 1.8 1.6 1.7

Average wage within the following percentiles:3

Less than 10 ...................................................... 1.0 2.2 0.0 0.0 9.2 7.8 8.6

10 to under 25 ................................................... 0.2 0.4 0.3 0.1 6.4 6.1 5.8

25 to under 50 ................................................... 0.3 0.4 0.5 0.2 2.0 1.8 2.1

50 to under 75 ................................................... 0.3 0.5 0.6 0.1 2.2 1.9 2.1

75 to under 90 ................................................... 0.4 0.9 0.9 0.2 2.4 2.6 2.9

90 or greater ...................................................... 0.7 0.8 0.9 0.2 3.2 3.3 3.3

Establishment characteristic

Goods-producing industries ................................... 0.0 0.3 0.8 0.3 3.0 2.8 2.5

Construction ...................................................... 0.1 0.7 0.7 0.0 6.9 6.3 5.8

Manufacturing .................................................... 0.0 0.3 1.1 0.4 2.9 2.9 2.9

Service-providing industries .................................. 0.3 0.5 0.5 0.1 2.0 1.7 1.9

Trade, transportation, and utilities ..................... 0.2 0.5 0.4 0.3 2.8 2.5 2.7

Wholesale trade ............................................. 0.0 0.0 0.0 0.0 4.6 4.5 4.6

Retail trade .................................................... 0.4 0.8 0.5 0.5 2.9 2.9 3.2

Transportation and warehousing ................... 0.0 1.3 1.4 0.3 6.3 4.4 5.2

Utilities ........................................................... 0.0 0.0 0.1 0.0 14.5 14.8 14.7

Information ......................................................... 0.0 0.7 0.7 0.0 6.3 6.4 6.7

Financial activities ............................................. 0.1 1.6 1.9 0.1 3.1 3.1 3.5

Finance and insurance .................................. 0.0 2.0 2.0 0.2 2.8 2.6 2.9

Credit intermediation and related activities 0.1 0.7 1.3 0.0 4.2 3.8 4.4

Insurance carriers and related activities .... 0.0 5.1 5.0 0.5 4.9 4.9 4.6

Real estate and rental and leasing ................ 0.6 0.6 4.8 0.0 10.9 11.0 11.8

Professional and business services .................. 1.3 2.2 2.1 0.0 6.1 5.5 5.6

Professional and technical services .............. 2.3 2.4 2.9 0.0 8.0 7.9 7.8

Administrative and waste services ................ 0.0 0.9 0.0 0.0 10.7 10.5 10.1

See footnotes at end of table.
Table 17. Standard errors for fee-for-service plans: Coverage for selected services, private industry

workers, National Compensation Survey, 2008—Continued

Characteristic

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery1

Physician

office visit

Skilled

nursing

facility

Home

health

care2

Hospice

care

Establishment characteristic

Education and health services ........................... 0.0 0.4 0.2 0.1 3.0 2.7 3.8

Educational services ...................................... 0.0 0.6 0.6 0.5 4.7 4.4 4.9

Junior colleges, colleges, and universities 0.0 1.0 1.0 0.8 4.8 4.6 5.2

Health care and social assistance ................. 0.0 0.5 0.3 0.1 3.5 3.0 4.2

Leisure and hospitality ....................................... 2.4 0.0 0.0 0.0 9.1 10.3 9.0

Accommodation and food services ................ 0.0 0.0 0.0 0.0 11.5 12.4 10.9

Other services ................................................... 0.0 0.0 0.0 0.0 3.9 2.7 7.9

1 to 99 workers ...................................................... 0.2 0.5 0.6 0.2 2.3 2.3 2.5

1 to 49 workers .................................................. 0.3 0.8 0.7 0.2 2.6 2.5 2.9

50 to 99 workers ................................................ 0.1 0.3 0.7 0.1 4.4 4.2 4.3

100 workers or more .............................................. 0.4 0.6 0.7 0.1 2.1 2.3 2.3

100 to 499 workers ............................................ 0.7 0.7 0.8 0.1 2.8 2.9 2.8

500 workers or more .......................................... 0.0 1.2 1.1 0.3 3.1 3.6 3.7

Geographic area

New England ......................................................... 0.0 0.0 0.5 0.6 5.7 6.8 6.2

Middle Atlantic ....................................................... 0.3 0.5 1.3 0.2 2.8 3.0 3.7

East North Central ................................................. 1.1 1.8 1.7 0.4 3.7 3.5 3.8

West North Central ................................................ 0.3 0.5 0.4 0.2 4.7 7.4 6.5

South Atlantic ........................................................ 0.1 0.6 1.1 0.0 4.0 3.6 3.7

East South Central ................................................ 0.0 2.1 2.2 0.0 7.4 5.9 7.0

West South Central ............................................... 0.1 0.4 0.4 0.0 4.7 4.5 4.4

Mountain ................................................................ 1.3 0.9 0.9 0.9 4.8 5.1 6.7

Pacific .................................................................... 0.0 0.7 0.3 0.1 5.8 3.7 4.8

1 Services incurred in the outpatient department of a hospital. 2 Plans that provide post-hospitalization care only to patients who were

previously hospitalized and are recovering without need of the extensive care

provided by a general hospital. 3 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." See Technical Note for more details.

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

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 18. Fee-for-service plans: Coverage for mental health care and substance abuse treatment, private

industry workers, National Compensation Survey, 2008

(All workers participating in fee-for-service plans = 100 percent)

Characteristic

Inpatient

mental

health care

Outpatient

mental

health care

Inpatient

alcohol

detoxification1

Inpatient

alcohol

rehabilitation2

Outpatient

alcohol

rehabilitation2

Inpatient drug

detoxification1

All workers ............................................................. 99 84 98 80 79 98

Worker characteristic

Management, professional, and related ................ 99 84 99 80 81 99

Management, business, and financial ............... 99 84 99 79 80 99

Professional and related .................................... 99 85 100 81 81 99

Service ................................................................... 98 81 96 81 75 96

Sales and office ..................................................... 98 81 98 77 77 98

Sales and related ............................................... 99 80 98 76 76 98

Office and administrative support ...................... 98 81 98 78 78 98

Natural resources, construction, and maintenance 100 91 99 86 86 99

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 92 98 84 84 98

Installation, maintenance, and repair ................. 100 90 100 89 88 100

Production, transportation, and material moving ... 99 85 97 77 78 97

Production ......................................................... 99 82 97 74 75 97

Transportation and material moving .................. 100 89 98 81 83 98

Full time ................................................................. 99 85 98 80 80 98

Part time ................................................................ 94 73 94 71 68 94

Union ..................................................................... 99 89 96 83 81 96

Nonunion ............................................................... 99 83 99 79 79 98

Average wage within the following percentiles:3

Less than 10 ...................................................... 96 73 95 70 69 95

10 to under 25 ................................................... 97 74 92 72 67 92

25 to under 50 ................................................... 99 84 98 79 79 98

50 to under 75 ................................................... 99 87 99 81 82 99

75 to under 90 ................................................... 99 87 99 84 84 99

90 or greater ...................................................... 99 82 99 77 78 99

Establishment characteristic

Goods-producing industries ................................... 99 87 97 78 79 97

Construction ...................................................... 99 92 99 84 85 99

Manufacturing .................................................... 99 85 98 76 77 97

Service-providing industries .................................. 99 83 98 80 79 98

Trade, transportation, and utilities ..................... 99 81 98 78 78 98

Wholesale trade ............................................. 100 80 100 79 79 100

Retail trade .................................................... 98 80 97 76 76 96

Transportation and warehousing ................... 100 85 100 83 84 100

Utilities ........................................................... 96 79 96 68 68 94

Information ......................................................... 98 92 100 89 85 100

Financial activities ............................................. 100 76 100 74 74 100

Finance and insurance .................................. 100 74 100 73 72 100

Credit intermediation and related activities 100 72 100 70 70 100

Insurance carriers and related activities .... 100 74 100 71 71 100

Real estate and rental and leasing ................ 99 81 99 81 81 99

Professional and business services .................. 98 75 96 75 72 96

Professional and technical services .............. 100 77 100 76 76 100

Administrative and waste services ................ 93 63 87 66 56 87

See footnotes at end of table.
Table 18. Fee-for-service plans: Coverage for mental health care and substance abuse treatment, private

industry workers, National Compensation Survey, 2008—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristic

Inpatient

mental

health care

Outpatient

mental

health care

Inpatient

alcohol

detoxification1

Inpatient

alcohol

rehabilitation2

Outpatient

alcohol

rehabilitation2

Inpatient drug

detoxification1

Establishment characteristic

Education and health services ........................... 100 90 100 86 85 100

Educational services ...................................... 99 86 99 81 84 99

Junior colleges, colleges, and universities 99 90 99 83 88 99

Health care and social assistance ................. 100 90 100 86 85 100

Leisure and hospitality ....................................... 99 94 99 90 90 99

Accommodation and food services ................ 98 96 100 96 96 100

Other services ................................................... 100 99 100 92 98 100

1 to 99 workers ...................................................... 100 85 98 80 80 98

1 to 49 workers .................................................. 100 85 99 81 82 99

50 to 99 workers ................................................ 100 84 97 77 76 97

100 workers or more .............................................. 98 83 98 79 79 98

100 to 499 workers ............................................ 99 84 99 80 81 98

500 workers or more .......................................... 98 82 97 79 77 97

Geographic area

New England ......................................................... 100 85 100 83 80 100

Middle Atlantic ....................................................... 100 88 99 85 87 99

East North Central ................................................. 100 81 99 79 77 99

West North Central ................................................ 98 84 99 81 81 99

South Atlantic ........................................................ 99 79 99 78 78 99

East South Central ................................................ 99 88 99 82 83 99

West South Central ............................................... 99 84 94 74 75 94

Mountain ................................................................ 96 83 96 75 73 96

Pacific .................................................................... 99 88 98 82 82 97

See footnotes at end of table.
Table 18. Fee-for-service plans: Coverage for mental health

care and substance abuse treatment, private industry

workers, National Compensation Survey, 2008—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristic Inpatient drug

rehabilitation2

Outpatient

drug

rehabilitation2

All workers ............................................................. 80 79

Worker characteristic

Management, professional, and related ................ 80 81

Management, business, and financial ............... 79 80

Professional and related .................................... 81 81

Service ................................................................... 81 75

Sales and office ..................................................... 77 77

Sales and related ............................................... 76 76

Office and administrative support ...................... 78 78

Natural resources, construction, and maintenance 86 86

Construction, extraction, farming, fishing, and

forestry ............................................................. 84 84

Installation, maintenance, and repair ................. 89 88

Production, transportation, and material moving ... 77 78

Production ......................................................... 74 75

Transportation and material moving .................. 81 83

Full time ................................................................. 80 80

Part time ................................................................ 71 68

Union ..................................................................... 83 81

Nonunion ............................................................... 79 79

Average wage within the following percentiles:3

Less than 10 ...................................................... 70 69

10 to under 25 ................................................... 72 67

25 to under 50 ................................................... 79 79

50 to under 75 ................................................... 81 82

75 to under 90 ................................................... 84 84

90 or greater ...................................................... 77 78

Establishment characteristic

Goods-producing industries ................................... 78 79

Construction ...................................................... 84 85

Manufacturing .................................................... 76 77

Service-providing industries .................................. 80 79

Trade, transportation, and utilities ..................... 78 78

Wholesale trade ............................................. 79 79

Retail trade .................................................... 76 76

Transportation and warehousing ................... 83 84

Utilities ........................................................... 67 68

Information ......................................................... 89 85

Financial activities ............................................. 74 74

Finance and insurance .................................. 73 72

Credit intermediation and related activities 70 70

Insurance carriers and related activities .... 71 71

Real estate and rental and leasing ................ 81 81

Professional and business services .................. 75 72

Professional and technical services .............. 76 76

Administrative and waste services ................ 66 56

See footnotes at end of table.
Table 18. Fee-for-service plans: Coverage for mental health

care and substance abuse treatment, private industry

workers, National Compensation Survey, 2008—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristic Inpatient drug

rehabilitation2

Outpatient

drug

rehabilitation2

Establishment characteristic

Education and health services ........................... 86 85

Educational services ...................................... 81 84

Junior colleges, colleges, and universities 83 88

Health care and social assistance ................. 86 85

Leisure and hospitality ....................................... 90 90

Accommodation and food services ................ 96 96

Other services ................................................... 92 98

1 to 99 workers ...................................................... 80 80

1 to 49 workers .................................................. 81 82

50 to 99 workers ................................................ 77 76

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

100 to 499 workers ............................................ 80 81

500 workers or more .......................................... 79 77

Geographic area

New England ......................................................... 83 80

Middle Atlantic ....................................................... 85 86

East North Central ................................................. 79 77

West North Central ................................................ 81 81

South Atlantic ........................................................ 78 78

East South Central ................................................ 82 82

West South Central ............................................... 74 75

Mountain ................................................................ 75 73

Pacific .................................................................... 82 82

1 Detoxification is the systematic use of

medication and other methods under

medical supervision to reduce or eliminate

the effects of substance abuse. 2 Rehabilitation is designed to alter

abusive behavior in patients once they are

free of acute physical and mental

complications. 3 The percentile groupings are based on

the average wage for each occupation

surveyed, which may include workers both

above and below the threshold. The

percentile values are based on the

estimates published in the "National

Compensation Survey: Occupational

Earnings in the United States, 2007." See

Technical Note for more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 18. Standard errors for fee-for-service plans: Coverage for mental health care and substance abuse

treatment, private industry workers, National Compensation Survey, 2008

Characteristic

Inpatient

mental

health care

Outpatient

mental

health care

Inpatient

alcohol

detoxification

Inpatient

alcohol

rehabilitation

Outpatient

alcohol

rehabilitation

Inpatient drug

detoxification

All workers ............................................................. 0.3 1.2 0.5 1.4 1.3 0.5

Worker characteristic

Management, professional, and related ................ 0.3 2.1 0.2 2.4 2.3 0.2

Management, business, and financial ............... 0.4 1.9 0.5 2.2 1.9 0.5

Professional and related .................................... 0.5 3.1 0.3 3.3 3.3 0.3

Service ................................................................... 0.6 3.9 2.8 4.7 4.7 2.8

Sales and office ..................................................... 0.9 2.0 0.9 2.1 2.1 0.9

Sales and related ............................................... 0.3 2.4 0.8 2.6 2.7 0.8

Office and administrative support ...................... 1.3 2.7 1.3 2.7 2.7 1.3

Natural resources, construction, and maintenance 0.1 2.2 1.0 2.5 2.8 1.0

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.0 3.3 2.0 5.0 4.9 2.0

Installation, maintenance, and repair ................. 0.1 2.5 0.1 2.5 2.7 0.2

Production, transportation, and material moving ... 0.2 2.2 0.9 3.0 2.7 1.0

Production ......................................................... 0.4 3.0 1.2 3.7 3.5 1.3

Transportation and material moving .................. 0.1 2.4 1.3 3.5 3.0 1.3

Full time ................................................................. 0.2 1.2 0.4 1.4 1.3 0.4

Part time ................................................................ 3.9 7.6 3.9 7.5 7.6 3.9

Union ..................................................................... 0.5 2.3 2.1 3.2 3.2 2.2

Nonunion ............................................................... 0.3 1.4 0.4 1.6 1.5 0.5

Average wage within the following percentiles:1

Less than 10 ...................................................... 5.5 7.8 5.6 8.1 8.1 5.6

10 to under 25 ................................................... 2.0 5.6 3.7 6.3 5.9 3.7

25 to under 50 ................................................... 0.3 1.8 0.6 2.1 2.0 0.6

50 to under 75 ................................................... 0.2 1.4 0.3 1.8 1.5 0.3

75 to under 90 ................................................... 0.2 1.3 0.2 1.5 1.4 0.3

90 or greater ...................................................... 0.6 3.3 0.5 3.6 3.6 0.5

Establishment characteristic

Goods-producing industries ................................... 0.4 1.9 0.8 2.5 2.4 0.9

Construction ...................................................... 0.4 2.2 0.4 4.0 4.0 0.4

Manufacturing .................................................... 0.4 2.6 1.0 3.5 3.3 1.0

Service-providing industries .................................. 0.4 1.4 0.5 1.7 1.6 0.5

Trade, transportation, and utilities ..................... 0.2 2.1 0.5 2.0 2.1 0.5

Wholesale trade ............................................. 0.1 4.0 0.1 3.8 4.0 0.1

Retail trade .................................................... 0.3 2.7 1.0 2.6 2.6 0.9

Transportation and warehousing ................... 0.0 4.9 0.0 5.0 4.9 0.0

Utilities ........................................................... 2.2 11.7 2.2 10.7 10.7 3.0

Information ......................................................... 1.8 2.7 0.0 3.7 4.3 0.0

Financial activities ............................................. 0.2 2.6 0.1 2.8 2.8 0.2

Finance and insurance .................................. 0.1 2.5 0.0 2.6 2.7 0.1

Credit intermediation and related activities 0.2 3.7 0.1 3.8 3.8 0.1

Insurance carriers and related activities .... 0.0 5.7 0.0 5.7 6.4 0.0

Real estate and rental and leasing ................ 0.6 8.3 0.6 8.7 8.3 0.6

Professional and business services .................. 1.5 5.1 2.3 5.7 5.3 2.3

Professional and technical services .............. 0.3 7.6 0.3 7.6 7.6 0.3

Administrative and waste services ................ 4.5 8.9 6.8 10.2 8.9 6.8

See footnotes at end of table.
Table 18. Standard errors for fee-for-service plans: Coverage for mental health care and substance abuse

treatment, private industry workers, National Compensation Survey, 2008—Continued

Characteristic

Inpatient

mental

health care

Outpatient

mental

health care

Inpatient

alcohol

detoxification

Inpatient

alcohol

rehabilitation

Outpatient

alcohol

rehabilitation

Inpatient drug

detoxification

Establishment characteristic

Education and health services ........................... 0.2 2.6 0.1 3.1 3.2 0.1

Educational services ...................................... 0.4 5.0 0.4 4.8 5.0 0.4

Junior colleges, colleges, and universities 0.7 3.2 0.7 3.5 3.1 0.7

Health care and social assistance ................. 0.2 2.9 0.1 3.5 3.7 0.1

Leisure and hospitality ....................................... 1.2 3.9 0.6 4.7 4.7 0.6

Accommodation and food services ................ 1.6 2.6 0.0 2.6 2.6 0.0

Other services ................................................... 0.3 1.6 0.0 4.6 1.8 0.0

1 to 99 workers ...................................................... 0.2 1.8 0.8 2.1 2.1 0.8

1 to 49 workers .................................................. 0.2 2.2 0.4 2.4 2.4 0.4

50 to 99 workers ................................................ 0.1 2.8 2.3 4.0 4.1 2.3

100 workers or more .............................................. 0.5 1.8 0.6 1.9 1.7 0.6

100 to 499 workers ............................................ 0.4 2.3 0.5 2.5 2.3 0.6

500 workers or more .......................................... 0.9 2.8 1.1 2.6 2.5 1.1

Geographic area

New England ......................................................... 0.1 4.6 0.1 4.3 2.0 0.1

Middle Atlantic ....................................................... 0.2 3.2 0.3 2.6 2.8 0.3

East North Central ................................................. 0.2 2.5 0.6 3.4 3.1 0.6

West North Central ................................................ 0.5 3.5 0.2 3.4 3.4 0.2

South Atlantic ........................................................ 0.4 3.5 0.7 3.6 3.6 0.6

East South Central ................................................ 0.6 5.1 1.3 6.2 5.9 1.3

West South Central ............................................... 0.8 3.3 3.0 4.1 3.8 3.0

Mountain ................................................................ 3.2 6.2 3.1 7.3 7.4 3.1

Pacific .................................................................... 0.2 2.0 0.6 2.8 2.7 0.6

See footnotes at end of table.
Table 18. Standard errors for fee-for-service plans: Coverage

for mental health care and substance abuse treatment, private

industry workers, National Compensation Survey,

2008—Continued

Characteristic Inpatient drug

rehabilitation

Outpatient

drug

rehabilitation

All workers ............................................................. 1.4 1.3

Worker characteristic

Management, professional, and related ................ 2.4 2.3

Management, business, and financial ............... 2.2 1.9

Professional and related .................................... 3.3 3.3

Service ................................................................... 4.7 4.7

Sales and office ..................................................... 2.1 2.1

Sales and related ............................................... 2.6 2.7

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

Natural resources, construction, and maintenance 2.5 2.9

Construction, extraction, farming, fishing, and

forestry ............................................................. 5.0 5.0

Installation, maintenance, and repair ................. 2.5 2.7

Production, transportation, and material moving ... 3.0 2.7

Production ......................................................... 3.7 3.5

Transportation and material moving .................. 3.5 3.0

Full time ................................................................. 1.4 1.3

Part time ................................................................ 7.5 7.6

Union ..................................................................... 3.2 3.2

Nonunion ............................................................... 1.6 1.4

Average wage within the following percentiles:1

Less than 10 ...................................................... 8.1 8.1

10 to under 25 ................................................... 6.3 5.9

25 to under 50 ................................................... 2.1 2.0

50 to under 75 ................................................... 1.8 1.4

75 to under 90 ................................................... 1.5 1.4

90 or greater ...................................................... 3.6 3.6

Establishment characteristic

Goods-producing industries ................................... 2.5 2.4

Construction ...................................................... 4.0 4.0

Manufacturing .................................................... 3.5 3.3

Service-providing industries .................................. 1.7 1.6

Trade, transportation, and utilities ..................... 2.0 2.1

Wholesale trade ............................................. 3.8 4.0

Retail trade .................................................... 2.6 2.6

Transportation and warehousing ................... 5.0 4.9

Utilities ........................................................... 10.4 10.7

Information ......................................................... 3.7 4.3

Financial activities ............................................. 2.8 2.8

Finance and insurance .................................. 2.6 2.7

Credit intermediation and related activities 3.8 3.8

Insurance carriers and related activities .... 5.7 6.4

Real estate and rental and leasing ................ 8.7 8.3

Professional and business services .................. 5.7 5.3

Professional and technical services .............. 7.6 7.6

Administrative and waste services ................ 10.2 8.9

See footnotes at end of table.
Table 18. Standard errors for fee-for-service plans: Coverage

for mental health care and substance abuse treatment, private

industry workers, National Compensation Survey,

2008—Continued

Characteristic Inpatient drug

rehabilitation

Outpatient

drug

rehabilitation

Establishment characteristic

Education and health services ........................... 3.1 3.2

Educational services ...................................... 4.8 5.0

Junior colleges, colleges, and universities 3.5 3.1

Health care and social assistance ................. 3.5 3.7

Leisure and hospitality ....................................... 4.7 4.7

Accommodation and food services ................ 2.6 2.6

Other services ................................................... 4.6 1.8

1 to 99 workers ...................................................... 2.1 2.1

1 to 49 workers .................................................. 2.4 2.4

50 to 99 workers ................................................ 4.0 4.1

100 workers or more .............................................. 1.9 1.7

100 to 499 workers ............................................ 2.5 2.3

500 workers or more .......................................... 2.6 2.5

Geographic area

New England ......................................................... 4.3 2.0

Middle Atlantic ....................................................... 2.6 2.8

East North Central ................................................. 3.4 3.1

West North Central ................................................ 3.4 3.4

South Atlantic ........................................................ 3.6 3.6

East South Central ................................................ 6.2 5.4

West South Central ............................................... 4.1 3.8

Mountain ................................................................ 7.3 7.4

Pacific .................................................................... 2.8 2.7

1 The percentile groupings are based on

the average wage for each occupation

surveyed, which may include workers both

above and below the threshold. The

percentile values are based on the

estimates published in the "National

Compensation Survey: Occupational

Earnings in the United States, 2007." See

Technical Note for more details.
Table 19. Health maintenance organizations: Coverage for selected services, private industry workers,

National Compensation Survey, 2008

(All workers participating in health maintenance organizations = 100 percent)

Characteristic

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery1

Physician

office visit

Skilled

nursing

facility

Home

health

care2

Hospice

care

All workers ............................................................. 100 100 97 100 71 71 64

Worker characteristic

Management, professional, and related ................ 100 99 97 100 72 72 65

Management, business, and financial ............... 100 99 95 100 70 71 63

Professional and related .................................... 100 100 98 100 73 73 65

Service ................................................................... 100 100 99 100 70 72 65

Sales and office ..................................................... 100 100 97 100 72 72 64

Sales and related ............................................... 100 100 98 100 69 70 68

Office and administrative support ...................... 100 100 96 100 74 73 63

Natural resources, construction, and maintenance 100 100 97 100 65 60 57

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 100 100 100 60 58 54

Installation, maintenance, and repair ................. 100 100 95 100 68 62 59

Production, transportation, and material moving ... 100 100 97 100 73 72 69

Production ......................................................... 100 100 96 100 77 77 71

Transportation and material moving .................. 100 100 100 100 68 65 66

Full time ................................................................. 100 100 97 100 72 71 65

Part time ................................................................ 100 100 99 100 59 59 55

Union ..................................................................... 100 100 100 100 64 58 53

Nonunion ............................................................... 100 100 97 100 73 74 67

Average wage within the following percentiles:3

Less than 10 ...................................................... 100 100 100 100 82 82 79

10 to under 25 ................................................... 100 100 99 100 73 72 68

25 to under 50 ................................................... 100 100 99 100 70 74 67

50 to under 75 ................................................... 100 100 96 100 74 71 65

75 to under 90 ................................................... 100 100 97 100 76 74 67

90 or greater ...................................................... 100 99 97 100 60 62 54

Establishment characteristic

Goods-producing industries ................................... 100 100 99 99 73 70 65

Construction ...................................................... 100 100 100 100 68 63 62

Manufacturing .................................................... 100 100 99 99 76 73 67

Service-providing industries .................................. 100 100 97 100 71 71 64

Trade, transportation, and utilities ..................... 100 100 93 100 66 66 63

Wholesale trade ............................................. 100 100 82 100 68 75 67

Retail trade .................................................... 100 100 99 100 62 64 63

Transportation and warehousing ................... 100 100 98 100 70 – 50

Utilities ........................................................... 100 100 100 100 81 90 81

Information ......................................................... 100 100 100 100 75 56 43

Financial activities ............................................. 100 98 94 100 66 62 55

Finance and insurance .................................. 100 98 94 100 71 66 64

Credit intermediation and related activities 100 99 94 100 75 66 67

Insurance carriers and related activities .... 100 95 92 100 65 66 58

Real estate and rental and leasing ................ 100 100 93 100 – – –

Professional and business services .................. 100 99 97 100 81 76 66

Professional and technical services .............. 100 99 92 100 81 65 58

Administrative and waste services ................ 100 100 100 100 74 74 70

See footnotes at end of table.
Table 19. Health maintenance organizations: Coverage for selected services, private industry workers,

National Compensation Survey, 2008—Continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristic

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery1

Physician

office visit

Skilled

nursing

facility

Home

health

care2

Hospice

care

Establishment characteristic

Education and health services ........................... 100 100 100 100 72 80 72

Educational services ...................................... 100 99 99 100 69 70 67

Junior colleges, colleges, and universities 100 99 98 100 62 58 54

Health care and social assistance ................. 100 100 100 100 72 82 74

Leisure and hospitality ....................................... 100 100 100 100 55 55 48

Accommodation and food services ................ 100 100 100 100 – 63 –

Other services ................................................... 100 100 100 100 74 82 80

1 to 99 workers ...................................................... 100 100 99 100 74 76 71

1 to 49 workers .................................................. 100 99 98 100 74 74 70

50 to 99 workers ................................................ 100 100 99 100 75 82 75

100 workers or more .............................................. 100 100 96 100 69 67 59

100 to 499 workers ............................................ 100 100 94 100 67 63 54

500 workers or more .......................................... 100 100 98 99 71 71 65

Geographic area

New England ......................................................... 100 99 100 100 73 65 58

Middle Atlantic ....................................................... 100 100 91 100 72 70 65

East North Central ................................................. 100 100 96 100 67 73 71

West North Central ................................................ 100 98 96 94 78 78 74

South Atlantic ........................................................ 100 100 98 100 76 78 65

East South Central ................................................ 100 100 96 100 70 73 69

West South Central ............................................... 100 100 100 100 55 57 –

Mountain ................................................................ 100 100 100 100 68 70 65

Pacific .................................................................... 100 100 100 100 72 70 65

1 Services incurred in the outpatient department of a hospital. 2 Plans that provide post-hospitalization care only to patients who were

previously hospitalized and are recovering without need of the extensive care

provided by a general hospital. 3 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 19. Standard errors for health maintenance organizations: Coverage for selected services, private

industry workers, National Compensation Survey, 2008

Characteristic

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery1

Physician

office visit

Skilled

nursing

facility

Home

health

care2

Hospice

care

All workers ............................................................. 0.0 0.1 0.8 0.1 2.2 2.0 2.3

Worker characteristic

Management, professional, and related ................ 0.0 0.3 0.8 0.2 3.4 3.0 3.5

Management, business, and financial ............... 0.0 0.6 3.4 0.1 3.5 4.0 4.7

Professional and related .................................... 0.0 0.4 1.1 0.3 4.5 4.3 4.9

Service ................................................................... 0.0 0.1 0.5 0.3 7.4 5.1 6.3

Sales and office ..................................................... 0.0 0.1 1.0 0.0 4.0 4.1 4.5

Sales and related ............................................... 0.0 0.0 1.6 0.0 5.9 4.6 4.8

Office and administrative support ...................... 0.0 0.2 1.2 0.0 4.6 5.0 5.8

Natural resources, construction, and maintenance 0.0 0.0 2.3 0.0 7.1 7.1 9.0

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.0 0.0 0.5 0.0 10.2 9.8 12.5

Installation, maintenance, and repair ................. 0.0 0.0 4.4 0.0 10.7 10.4 10.7

Production, transportation, and material moving ... 0.0 0.2 2.1 0.2 5.3 5.2 5.2

Production ......................................................... 0.0 0.0 3.4 0.4 6.2 6.5 6.7

Transportation and material moving .................. 0.0 0.4 0.0 0.0 9.2 8.4 8.3

Full time ................................................................. 0.0 0.1 0.8 0.1 2.1 1.9 2.2

Part time ................................................................ 0.0 0.0 0.9 0.0 10.7 10.6 10.4

Union ..................................................................... 0.0 0.0 0.1 0.1 4.9 4.6 5.7

Nonunion ............................................................... 0.0 0.2 1.0 0.1 2.2 2.0 2.3

Average wage within the following percentiles:3

Less than 10 ...................................................... 0.0 0.0 0.0 0.0 11.6 11.6 12.1

10 to under 25 ................................................... 0.0 0.0 1.0 0.0 11.2 8.2 7.6

25 to under 50 ................................................... 0.0 0.1 0.4 0.1 4.2 4.0 4.7

50 to under 75 ................................................... 0.0 0.2 0.6 0.1 2.7 3.0 3.5

75 to under 90 ................................................... 0.0 0.1 1.8 0.2 3.0 2.4 3.0

90 or greater ...................................................... 0.0 0.5 2.3 0.2 7.0 7.1 7.0

Establishment characteristic

Goods-producing industries ................................... 0.0 0.1 0.7 0.3 3.9 3.9 5.6

Construction ...................................................... 0.0 0.0 0.0 0.0 8.0 10.6 13.5

Manufacturing .................................................... 0.0 0.2 1.0 0.4 5.8 5.9 6.8

Service-providing industries .................................. 0.0 0.2 1.0 0.0 2.6 2.4 2.7

Trade, transportation, and utilities ..................... 0.0 0.0 5.9 0.0 4.3 4.2 4.3

Wholesale trade ............................................. 0.0 0.0 15.5 0.0 6.7 6.8 6.7

Retail trade .................................................... 0.0 0.0 1.4 0.0 7.5 7.3 7.5

Transportation and warehousing ................... 0.0 0.0 0.8 0.0 16.1 – 14.7

Utilities ........................................................... 0.0 0.0 0.0 0.0 9.4 6.4 9.4

Information ......................................................... 0.0 0.0 0.0 0.0 11.2 9.3 12.0

Financial activities ............................................. 0.0 1.1 2.7 0.0 5.0 4.9 5.6

Finance and insurance .................................. 0.0 1.5 3.2 0.0 4.7 4.9 4.6

Credit intermediation and related activities 0.0 0.8 5.0 0.0 5.7 6.5 6.6

Insurance carriers and related activities .... 0.0 3.8 5.3 0.0 8.9 9.5 9.3

Real estate and rental and leasing ................ 0.0 0.0 4.9 0.0 – – –

Professional and business services .................. 0.0 0.5 3.4 0.0 7.0 6.7 9.3

Professional and technical services .............. 0.0 1.4 7.7 0.0 9.9 12.1 9.8

Administrative and waste services ................ 0.0 0.0 0.0 0.0 12.1 12.0 13.3

See footnotes at end of table.
Table 19. Standard errors for health maintenance organizations: Coverage for selected services, private

industry workers, National Compensation Survey, 2008—Continued

Characteristic

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery1

Physician

office visit

Skilled

nursing

facility

Home

health

care2

Hospice

care

Establishment characteristic

Education and health services ........................... 0.0 0.0 0.1 0.0 6.9 5.8 6.5

Educational services ...................................... 0.0 0.1 0.3 0.1 4.7 3.0 3.5

Junior colleges, colleges, and universities 0.0 0.2 0.4 0.2 3.6 3.4 3.9

Health care and social assistance ................. 0.0 0.0 0.0 0.0 8.6 7.0 8.0

Leisure and hospitality ....................................... 0.0 0.0 0.0 0.0 14.5 11.2 10.0

Accommodation and food services ................ 0.0 0.0 0.0 0.0 – 18.9 –

Other services ................................................... 0.0 0.0 0.0 0.0 15.0 14.8 14.7

1 to 99 workers ...................................................... 0.0 0.2 1.2 0.0 4.2 3.9 5.0

1 to 49 workers .................................................. 0.0 0.3 1.6 0.0 5.0 4.8 5.7

50 to 99 workers ................................................ 0.0 0.0 0.7 0.0 7.2 5.8 6.4

100 workers or more .............................................. 0.0 0.1 2.3 0.1 3.8 3.2 3.8

100 to 499 workers ............................................ 0.0 0.2 4.0 0.0 5.2 4.8 5.5

500 workers or more .......................................... 0.0 0.1 0.9 0.3 5.0 4.4 5.6

Geographic area

New England ......................................................... 0.0 0.6 0.2 0.1 6.6 5.4 4.2

Middle Atlantic ....................................................... 0.0 0.4 2.9 0.0 3.2 2.4 3.8

East North Central ................................................. 0.0 0.0 2.0 0.0 8.4 4.9 6.8

West North Central ................................................ 0.0 1.9 2.1 2.3 9.7 10.1 6.6

South Atlantic ........................................................ 0.0 0.0 1.2 0.0 4.0 4.2 5.9

East South Central ................................................ 0.0 0.0 4.8 0.0 17.9 16.4 17.9

West South Central ............................................... 0.0 0.0 0.0 0.0 12.8 11.9 –

Mountain ................................................................ 0.0 0.0 0.0 0.0 8.6 9.4 9.5

Pacific .................................................................... 0.0 0.1 0.0 0.0 4.0 4.8 4.8

1 Services incurred in the outpatient department of a hospital. 2 Plans that provide post-hospitalization care only to patients who were

previously hospitalized and are recovering without need of the extensive care

provided by a general hospital. 3 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 20. Health maintenance organizations: Coverage for mental health care and substance abuse

treatment, private industry workers, National Compensation Survey, 2008

(All workers participating in health maintenance organizations = 100 percent)

Characteristic

Inpatient

mental

health care

Outpatient

mental

health care

Inpatient

alcohol

detoxification1

Inpatient

alcohol

rehabilitation2

Outpatient

alcohol

rehabilitation2

Inpatient drug

detoxification1

All workers ............................................................. 98 87 98 72 79 98

Worker characteristic

Management, professional, and related ................ 98 89 98 74 79 97

Management, business, and financial ............... 97 89 97 78 84 95

Professional and related .................................... 99 89 98 72 76 98

Service ................................................................... 96 90 99 73 83 99

Sales and office ..................................................... 99 82 99 72 77 99

Sales and related ............................................... 100 72 100 71 67 100

Office and administrative support ...................... 98 86 98 72 80 98

Natural resources, construction, and maintenance 99 88 100 67 77 99

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 91 100 61 74 100

Installation, maintenance, and repair ................. 98 87 99 72 80 99

Production, transportation, and material moving ... 97 89 98 72 84 98

Production ......................................................... 97 87 98 72 82 98

Transportation and material moving .................. 97 93 98 70 88 98

Full time ................................................................. 98 88 98 73 80 98

Part time ................................................................ 96 78 97 56 71 97

Union ..................................................................... 98 91 100 78 83 100

Nonunion ............................................................... 98 86 98 71 78 98

Average wage within the following percentiles:3

Less than 10 ...................................................... 100 95 100 92 87 100

10 to under 25 ................................................... 96 91 97 69 79 97

25 to under 50 ................................................... 98 80 99 68 75 98

50 to under 75 ................................................... 98 88 99 72 81 99

75 to under 90 ................................................... 100 89 99 77 82 98

90 or greater ...................................................... 98 89 98 74 77 97

Establishment characteristic

Goods-producing industries ................................... 99 89 98 71 82 98

Construction ...................................................... 100 100 100 64 87 100

Manufacturing .................................................... 98 84 98 73 80 98

Service-providing industries .................................. 98 87 98 72 79 98

Trade, transportation, and utilities ..................... 99 78 99 64 69 99

Wholesale trade ............................................. 100 81 100 74 70 100

Retail trade .................................................... 97 67 97 60 58 97

Transportation and warehousing ................... 100 92 100 – 92 100

Utilities ........................................................... 97 97 97 – 62 97

Information ......................................................... 100 93 100 92 84 100

Financial activities ............................................. 98 78 100 72 77 99

Finance and insurance .................................. 100 84 100 73 76 98

Credit intermediation and related activities 100 84 100 71 75 100

Insurance carriers and related activities .... 100 88 100 79 79 100

Real estate and rental and leasing ................ 91 62 100 – 78 100

Professional and business services .................. 100 92 99 86 91 99

Professional and technical services .............. 100 90 98 88 90 98

Administrative and waste services ................ 100 89 100 75 89 100

See footnotes at end of table.
Table 20. Health maintenance organizations: Coverage for mental health care and substance abuse

treatment, private industry workers, National Compensation Survey, 2008—Continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristic

Inpatient

mental

health care

Outpatient

mental

health care

Inpatient

alcohol

detoxification1

Inpatient

alcohol

rehabilitation2

Outpatient

alcohol

rehabilitation2

Inpatient drug

detoxification1

Establishment characteristic

Education and health services ........................... 99 93 99 75 79 99

Educational services ...................................... 100 91 100 77 82 100

Junior colleges, colleges, and universities 100 91 100 75 77 100

Health care and social assistance ................. 99 94 99 74 78 98

Leisure and hospitality ....................................... 94 94 100 79 83 100

Accommodation and food services ................ 100 100 100 93 93 100

Other services ................................................... 82 82 82 – 71 82

1 to 99 workers ...................................................... 97 84 98 65 78 98

1 to 49 workers .................................................. 97 85 98 65 79 98

50 to 99 workers ................................................ 97 81 98 66 76 98

100 workers or more .............................................. 99 90 99 78 80 98

100 to 499 workers ............................................ 99 89 99 75 77 99

500 workers or more .......................................... 98 90 99 81 84 98

Geographic area

New England ......................................................... 100 89 100 85 86 100

Middle Atlantic ....................................................... 93 81 94 67 80 94

East North Central ................................................. 99 84 97 76 79 97

West North Central ................................................ 100 81 100 81 81 100

South Atlantic ........................................................ 99 94 99 77 86 98

East South Central ................................................ 99 93 100 92 93 100

West South Central ............................................... 100 82 100 65 61 100

Mountain ................................................................ 99 87 99 77 85 99

Pacific .................................................................... 99 89 100 65 74 100

See footnotes at end of table.
Table 20. Health maintenance organizations: Coverage for

mental health care and substance abuse treatment, private

industry workers, National Compensation Survey,

2008—Continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristic Inpatient drug

rehabilitation2

Outpatient

drug

rehabilitation2

All workers ............................................................. 72 79

Worker characteristic

Management, professional, and related ................ 74 79

Management, business, and financial ............... 78 84

Professional and related .................................... 72 76

Service ................................................................... 73 83

Sales and office ..................................................... 72 76

Sales and related ............................................... 70 66

Office and administrative support ...................... 72 80

Natural resources, construction, and maintenance 66 77

Construction, extraction, farming, fishing, and

forestry ............................................................. 61 74

Installation, maintenance, and repair ................. 71 79

Production, transportation, and material moving ... 72 84

Production ......................................................... 72 82

Transportation and material moving .................. 70 88

Full time ................................................................. 73 80

Part time ................................................................ 56 71

Union ..................................................................... 78 83

Nonunion ............................................................... 71 78

Average wage within the following percentiles:3

Less than 10 ...................................................... 92 87

10 to under 25 ................................................... 69 79

25 to under 50 ................................................... 68 75

50 to under 75 ................................................... 72 81

75 to under 90 ................................................... 77 82

90 or greater ...................................................... 74 77

Establishment characteristic

Goods-producing industries ................................... 71 82

Construction ...................................................... 64 87

Manufacturing .................................................... 73 80

Service-providing industries .................................. 72 79

Trade, transportation, and utilities ..................... 63 68

Wholesale trade ............................................. 73 68

Retail trade .................................................... 60 58

Transportation and warehousing ................... – 92

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

Information ......................................................... 92 84

Financial activities ............................................. 72 77

Finance and insurance .................................. 73 76

Credit intermediation and related activities 71 75

Insurance carriers and related activities .... 79 79

Real estate and rental and leasing ................ – 78

Professional and business services .................. 86 91

Professional and technical services .............. 88 90

Administrative and waste services ................ 75 89

See footnotes at end of table.
Table 20. Health maintenance organizations: Coverage for

mental health care and substance abuse treatment, private

industry workers, National Compensation Survey,

2008—Continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristic Inpatient drug

rehabilitation2

Outpatient

drug

rehabilitation2

Establishment characteristic

Education and health services ........................... 75 79

Educational services ...................................... 78 83

Junior colleges, colleges, and universities 77 79

Health care and social assistance ................. 74 78

Leisure and hospitality ....................................... 79 83

Accommodation and food services ................ 93 93

Other services ................................................... – 71

1 to 99 workers ...................................................... 65 78

1 to 49 workers .................................................. 65 78

50 to 99 workers ................................................ 66 76

100 workers or more .............................................. 78 81

100 to 499 workers ............................................ 75 77

500 workers or more .......................................... 81 84

Geographic area

New England ......................................................... 85 86

Middle Atlantic ....................................................... 67 80

East North Central ................................................. 76 79

West North Central ................................................ 81 81

South Atlantic ........................................................ 77 86

East South Central ................................................ 92 93

West South Central ............................................... 65 61

Mountain ................................................................ 76 84

Pacific .................................................................... 65 74

1 Detoxification is the systematic use of

medication and other methods under

medical supervision to reduce or eliminate

the effects of substance abuse. 2 Rehabilitation is designed to alter

abusive behavior in patients once they are

free of acute physical and mental

complications. 3 The percentile groupings are based on

the average wage for each occupation

surveyed, which may include workers both

above and below the threshold. The

percentile values are based on the

estimates published in the "National

Compensation Survey: Occupational

Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 20. Standard errors for health maintenance organizations: Coverage for mental health care and

substance abuse treatment, private industry workers, National Compensation Survey, 2008

Characteristic

Inpatient

mental

health care

Outpatient

mental

health care

Inpatient

alcohol

detoxification1

Inpatient

alcohol

rehabilitation2

Outpatient

alcohol

rehabilitation2

Inpatient drug

detoxification1

All workers ............................................................. 1.0 1.6 0.7 2.2 1.9 0.8

Worker characteristic

Management, professional, and related ................ 1.6 1.5 1.7 3.2 3.0 2.0

Management, business, and financial ............... 2.9 3.8 2.9 4.4 4.1 3.7

Professional and related .................................... 0.7 2.2 1.1 4.7 4.7 1.1

Service ................................................................... 1.9 2.6 0.6 5.7 4.3 0.6

Sales and office ..................................................... 0.6 3.4 0.6 3.7 3.8 0.6

Sales and related ............................................... 0.2 7.1 0.2 7.0 7.0 0.2

Office and administrative support ...................... 0.8 3.0 0.8 4.2 3.8 0.8

Natural resources, construction, and maintenance 0.5 4.7 0.3 5.9 5.9 0.3

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.0 8.4 0.0 8.8 10.2 0.2

Installation, maintenance, and repair ................. 0.9 3.8 0.5 8.8 5.7 0.5

Production, transportation, and material moving ... 1.2 3.1 0.9 4.7 3.1 0.9

Production ......................................................... 1.3 5.1 1.2 6.9 6.2 1.2

Transportation and material moving .................. 2.0 2.8 1.0 10.1 5.2 1.2

Full time ................................................................. 1.0 1.7 0.7 2.3 2.0 0.8

Part time ................................................................ 1.6 8.4 1.3 11.4 5.1 1.3

Union ..................................................................... 1.5 2.0 0.1 3.4 3.0 0.1

Nonunion ............................................................... 0.9 2.0 0.8 2.7 2.4 1.0

Average wage within the following percentiles:3

Less than 10 ...................................................... 0.0 5.1 0.0 6.4 8.3 0.0

10 to under 25 ................................................... 2.8 2.3 1.5 7.0 3.5 1.5

25 to under 50 ................................................... 0.7 4.2 0.4 4.4 4.2 0.4

50 to under 75 ................................................... 1.5 1.9 0.7 2.9 2.5 0.7

75 to under 90 ................................................... 0.2 2.4 0.9 3.8 3.3 1.0

90 or greater ...................................................... 2.2 2.5 2.2 3.3 3.9 2.3

Establishment characteristic

Goods-producing industries ................................... 0.8 3.5 0.9 5.1 5.5 0.9

Construction ...................................................... 0.0 0.3 0.0 7.4 9.1 0.0

Manufacturing .................................................... 1.1 5.2 1.3 6.1 5.9 1.3

Service-providing industries .................................. 1.2 1.8 0.8 2.8 2.2 1.0

Trade, transportation, and utilities ..................... 0.5 3.8 0.5 6.2 4.3 0.5

Wholesale trade ............................................. 0.0 5.3 0.0 5.4 6.1 0.0

Retail trade .................................................... 1.4 8.2 1.4 8.1 8.1 1.4

Transportation and warehousing ................... 0.5 5.3 0.5 – 5.4 0.5

Utilities ........................................................... 2.9 2.9 2.9 – 13.6 2.9

Information ......................................................... 0.1 4.7 0.0 5.0 7.0 0.0

Financial activities ............................................. 2.4 4.6 0.0 4.9 4.8 1.2

Finance and insurance .................................. 0.0 3.0 0.0 4.3 4.3 1.6

Credit intermediation and related activities 0.0 4.7 0.0 6.5 6.3 0.1

Insurance carriers and related activities .... 0.0 5.4 0.0 7.9 7.9 0.0

Real estate and rental and leasing ................ 9.7 14.7 0.0 – 12.4 0.0

Professional and business services .................. 0.0 5.6 1.0 7.0 5.6 1.0

Professional and technical services .............. 0.1 8.1 2.6 8.1 8.0 2.6

Administrative and waste services ................ 0.0 11.4 0.0 16.1 11.4 0.0

See footnotes at end of table.
Table 20. Standard errors for health maintenance organizations: Coverage for mental health care and

substance abuse treatment, private industry workers, National Compensation Survey, 2008—Continued

Characteristic

Inpatient

mental

health care

Outpatient

mental

health care

Inpatient

alcohol

detoxification1

Inpatient

alcohol

rehabilitation2

Outpatient

alcohol

rehabilitation2

Inpatient drug

detoxification1

Establishment characteristic

Education and health services ........................... 0.3 1.9 0.3 6.7 6.0 0.6

Educational services ...................................... 0.0 3.3 0.0 5.8 4.1 0.0

Junior colleges, colleges, and universities 0.0 2.4 0.0 3.6 3.8 0.0

Health care and social assistance ................. 0.4 2.4 0.5 8.6 7.7 0.7

Leisure and hospitality ....................................... 5.6 5.6 0.0 9.1 7.8 0.0

Accommodation and food services ................ 0.0 0.4 0.0 6.2 6.2 0.0

Other services ................................................... 14.8 14.8 14.8 – 15.5 14.8

1 to 99 workers ...................................................... 2.1 3.2 1.4 4.3 4.1 1.4

1 to 49 workers .................................................. 2.0 3.3 1.9 5.3 4.6 1.9

50 to 99 workers ................................................ 2.6 6.8 1.4 6.2 6.7 1.4

100 workers or more .............................................. 0.4 1.9 0.4 2.8 2.9 0.5

100 to 499 workers ............................................ 0.3 2.6 0.3 4.4 4.4 0.5

500 workers or more .......................................... 0.7 1.8 0.7 4.1 3.2 0.8

Geographic area

New England ......................................................... 0.0 7.7 0.0 9.0 9.5 0.0

Middle Atlantic ....................................................... 4.3 3.4 2.8 5.1 4.1 3.2

East North Central ................................................. 0.6 4.2 1.3 5.1 5.0 1.3

West North Central ................................................ 0.0 10.3 0.1 10.3 10.3 0.1

South Atlantic ........................................................ 0.5 1.7 0.3 5.1 2.4 0.8

East South Central ................................................ 0.8 6.0 0.0 6.7 6.0 0.0

West South Central ............................................... 0.0 11.2 0.0 14.0 14.3 0.0

Mountain ................................................................ 0.8 8.5 0.8 9.3 2.6 0.8

Pacific .................................................................... 1.0 2.0 0.3 2.5 1.7 0.3

See footnotes at end of table.
Table 20. Standard errors for health maintenance

organizations: Coverage for mental health care and

substance abuse treatment, private industry workers,

National Compensation Survey, 2008—Continued

Characteristic Inpatient drug

rehabilitation2

Outpatient

drug

rehabilitation2

All workers ............................................................. 2.2 1.9

Worker characteristic

Management, professional, and related ................ 3.3 3.0

Management, business, and financial ............... 4.4 4.1

Professional and related .................................... 4.8 4.8

Service ................................................................... 5.7 4.3

Sales and office ..................................................... 3.7 3.8

Sales and related ............................................... 7.0 7.0

Office and administrative support ...................... 4.2 3.8

Natural resources, construction, and maintenance 5.9 6.0

Construction, extraction, farming, fishing, and

forestry ............................................................. 8.8 10.2

Installation, maintenance, and repair ................. 8.9 5.8

Production, transportation, and material moving ... 4.7 3.1

Production ......................................................... 6.9 6.2

Transportation and material moving .................. 10.1 5.2

Full time ................................................................. 2.3 2.0

Part time ................................................................ 11.4 5.1

Union ..................................................................... 3.4 3.0

Nonunion ............................................................... 2.7 2.4

Average wage within the following percentiles:3

Less than 10 ...................................................... 6.4 8.3

10 to under 25 ................................................... 7.0 3.5

25 to under 50 ................................................... 4.4 4.3

50 to under 75 ................................................... 3.0 2.5

75 to under 90 ................................................... 3.8 3.3

90 or greater ...................................................... 3.3 3.9

Establishment characteristic

Goods-producing industries ................................... 5.1 5.5

Construction ...................................................... 7.4 9.1

Manufacturing .................................................... 6.1 5.9

Service-providing industries .................................. 2.8 2.2

Trade, transportation, and utilities ..................... 6.2 4.3

Wholesale trade ............................................. 5.6 6.3

Retail trade .................................................... 8.1 8.1

Transportation and warehousing ................... – 5.4

Utilities ........................................................... – 13.6

Information ......................................................... 5.0 7.0

Financial activities ............................................. 4.9 4.8

Finance and insurance .................................. 4.3 4.3

Credit intermediation and related activities 6.5 6.3

Insurance carriers and related activities .... 7.9 7.9

Real estate and rental and leasing ................ – 12.4

Professional and business services .................. 7.0 5.6

Professional and technical services .............. 8.1 8.0

Administrative and waste services ................ 16.1 11.4

See footnotes at end of table.
Table 20. Standard errors for health maintenance

organizations: Coverage for mental health care and

substance abuse treatment, private industry workers,

National Compensation Survey, 2008—Continued

Characteristic Inpatient drug

rehabilitation2

Outpatient

drug

rehabilitation2

Establishment characteristic

Education and health services ........................... 6.8 6.0

Educational services ...................................... 5.6 3.3

Junior colleges, colleges, and universities 3.8 3.2

Health care and social assistance ................. 8.6 7.7

Leisure and hospitality ....................................... 9.1 7.8

Accommodation and food services ................ 6.2 6.2

Other services ................................................... – 15.5

1 to 99 workers ...................................................... 4.3 4.1

1 to 49 workers .................................................. 5.3 4.7

50 to 99 workers ................................................ 6.2 6.7

100 workers or more .............................................. 2.8 3.0

100 to 499 workers ............................................ 4.5 4.5

500 workers or more .......................................... 4.1 3.2

Geographic area

New England ......................................................... 9.0 9.5

Middle Atlantic ....................................................... 5.1 4.1

East North Central ................................................. 5.1 5.0

West North Central ................................................ 10.3 10.3

South Atlantic ........................................................ 5.1 2.4

East South Central ................................................ 6.7 6.0

West South Central ............................................... 14.0 14.3

Mountain ................................................................ 10.5 2.6

Pacific .................................................................... 2.6 1.6

1 Detoxification is the systematic use of

medication and other methods under

medical supervision to reduce or eliminate

the effects of substance abuse. 2 Rehabilitation is designed to alter

abusive behavior in patients once they are

free of acute physical and mental

complications. 3 The percentile groupings are based on

the average wage for each occupation

surveyed, which may include workers both

above and below the threshold. The

percentile values are based on the

estimates published in the "National

Compensation Survey: Occupational

Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 21. Medical care benefits: Coverage for selected services by type

of plan, all private industry workers, National Compensation Survey,

2008

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

Characteristic

All plans

Hearing

care

Adult

physical

exam

Well

baby

care1

Adult

immunization

and

inoculation

All workers ............................................................. 32 80 77 56

Worker characteristic

Management, professional, and related ................ 33 79 78 55

Management, business, and financial ............... 31 81 79 59

Professional and related .................................... 34 77 77 52

Service ................................................................... 30 79 73 46

Sales and office ..................................................... 31 79 76 59

Sales and related ............................................... 35 82 77 60

Office and administrative support ...................... 30 77 76 59

Natural resources, construction, and maintenance 40 87 80 57

Construction, extraction, farming, fishing, and

forestry ............................................................. 42 86 77 55

Installation, maintenance, and repair ................. 38 87 83 59

Production, transportation, and material moving ... 30 81 78 56

Production ......................................................... 32 82 80 61

Transportation and material moving .................. 26 81 75 50

Full time ................................................................. 32 80 77 56

Part time ................................................................ 36 79 76 55

Union ..................................................................... 32 85 79 50

Nonunion ............................................................... 32 79 77 57

Average wage within the following percentiles:2

Less than 10 ...................................................... 38 80 77 55

10 to under 25 ................................................... 30 79 73 51

25 to under 50 ................................................... 30 79 76 57

50 to under 75 ................................................... 32 81 78 57

75 to under 90 ................................................... 35 83 79 58

90 or greater ...................................................... 32 77 77 51

Establishment characteristic

Goods-producing industries ................................... 33 82 78 59

Construction ...................................................... 37 87 77 58

Manufacturing .................................................... 32 79 78 59

Service-providing industries .................................. 32 80 77 54

Trade, transportation, and utilities ..................... 33 83 79 58

Wholesale trade ............................................. 38 82 76 50

Retail trade .................................................... 36 84 79 62

Transportation and warehousing ................... 22 80 79 57

Utilities ........................................................... – 84 86 69

Information ......................................................... 26 93 92 68

Financial activities ............................................. 26 73 76 56

Finance and insurance .................................. 23 78 80 59

Credit intermediation and related activities 23 79 78 62

Insurance carriers and related activities .... 18 75 83 58

Real estate and rental and leasing ................ 36 54 61 42

Professional and business services .................. 39 78 72 48

Professional and technical services .............. 38 75 68 53

See footnotes at end of table.
Table 21. Medical care benefits: Coverage for selected services by type

of plan, all private industry workers, National Compensation Survey,

2008—Continued

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

Characteristic

All plans

Hearing

care

Adult

physical

exam

Well

baby

care1

Adult

immunization

and

inoculation

Establishment characteristic

Administrative and waste services ................ 39 82 72 40

Education and health services ........................... 30 78 76 55

Educational services ...................................... 34 82 78 56

Junior colleges, colleges, and universities 30 83 77 59

Health care and social assistance ................. 29 77 76 55

Leisure and hospitality ....................................... 23 79 76 51

Accommodation and food services ................ – 85 78 55

Other services ................................................... 30 83 83 49

1 to 99 workers ...................................................... 32 82 76 54

1 to 49 workers .................................................. 30 81 76 54

50 to 99 workers ................................................ 36 83 77 56

100 workers or more .............................................. 32 79 78 57

100 to 499 workers ............................................ 33 77 78 58

500 workers or more .......................................... 31 81 77 55

Geographic area

New England ......................................................... 37 82 77 52

Middle Atlantic ....................................................... 31 82 81 52

East North Central ................................................. 26 76 70 54

West North Central ................................................ 29 79 72 52

South Atlantic ........................................................ 35 77 77 54

East South Central ................................................ 41 81 79 54

West South Central ............................................... 32 85 83 57

Mountain ................................................................ 32 79 71 56

Pacific .................................................................... 34 83 83 64

See footnotes at end of table.
Table 21. Medical care benefits: Coverage for selected services by type of plan, all private industry

workers, National Compensation Survey, 2008—Continued

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

Characteristic

Fee-for-service plan Health maintenance organization

Hearing

care

Adult

physical

exam

Well

baby

care1

Adult

immunization

and

inoculation

Hearing

care

Adult

physical

exam

Well

baby

care1

Adult

immunization

and

inoculation

All workers ............................................................. 29 81 77 56 42 77 78 54

Worker characteristic

Management, professional, and related ................ 30 80 78 55 44 73 78 54

Management, business, and financial ............... 26 82 80 60 50 80 76 58

Professional and related .................................... 32 80 76 52 40 69 80 51

Service ................................................................... 22 81 73 48 54 72 74 39

Sales and office ..................................................... 28 78 76 59 42 80 78 60

Sales and related ............................................... 33 82 78 59 42 82 75 64

Office and administrative support ...................... 26 77 75 59 43 79 80 59

Natural resources, construction, and maintenance 41 90 81 60 34 77 78 49

Construction, extraction, farming, fishing, and

forestry ............................................................. 45 91 79 57 31 69 71 46

Installation, maintenance, and repair ................. 38 88 82 62 38 84 85 52

Production, transportation, and material moving ... 27 82 78 57 38 81 80 56

Production ......................................................... 28 83 81 62 47 77 79 57

Transportation and material moving .................. 26 80 73 49 25 88 82 55

Full time ................................................................. 29 81 77 56 43 77 78 54

Part time ................................................................ 35 78 74 55 40 80 82 52

Union ..................................................................... 32 86 79 54 32 81 77 39

Nonunion ............................................................... 29 80 77 57 45 76 79 57

Average wage within the following percentiles:2

Less than 10 ...................................................... 36 81 76 54 – 77 84 64

10 to under 25 ................................................... 24 80 72 51 54 77 77 51

25 to under 50 ................................................... 27 80 76 55 42 79 79 62

50 to under 75 ................................................... 29 83 79 59 41 76 76 52

75 to under 90 ................................................... 32 83 78 58 48 82 82 57

90 or greater ...................................................... 31 79 77 52 35 71 78 46

Establishment characteristic

Goods-producing industries ................................... 33 83 78 61 36 77 75 53

Construction ...................................................... 40 88 75 60 23 85 85 49

Manufacturing .................................................... 30 81 80 60 39 74 71 52

Service-providing industries .................................. 28 80 76 55 44 77 79 54

Trade, transportation, and utilities ..................... 31 82 78 55 41 86 83 69

Wholesale trade ............................................. 33 84 74 43 50 79 81 69

Retail trade .................................................... 34 83 80 60 44 86 78 72

Transportation and warehousing ................... 23 76 76 57 – 95 95 60

Utilities ........................................................... – 83 83 66 – 93 99 84

Information ......................................................... 26 93 92 71 24 95 95 54

Financial activities ............................................. 23 74 80 57 35 68 62 52

Finance and insurance .................................. 19 76 81 58 37 85 77 66

Credit intermediation and related activities 19 78 79 61 37 83 75 66

Insurance carriers and related activities .... 14 72 84 57 – 87 77 64

Real estate and rental and leasing ................ 39 67 76 54 – – – –

Professional and business services .................. 34 77 68 47 59 80 90 50

Professional and technical services .............. 35 76 65 50 53 69 85 68

See footnotes at end of table.
Table 21. Medical care benefits: Coverage for selected services by type of plan, all private industry

workers, National Compensation Survey, 2008—Continued

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

Characteristic

Fee-for-service plan Health maintenance organization

Hearing

care

Adult

physical

exam

Well

baby

care1

Adult

immunization

and

inoculation

Hearing

care

Adult

physical

exam

Well

baby

care1

Adult

immunization

and

inoculation

Establishment characteristic

Administrative and waste services ................ 33 79 66 42 57 89 89 –

Education and health services ........................... 25 79 74 54 44 75 82 58

Educational services ...................................... 32 83 79 60 – 81 78 50

Junior colleges, colleges, and universities 31 88 83 65 28 75 66 50

Health care and social assistance ................. 23 78 74 53 46 74 83 60

Leisure and hospitality ....................................... – 88 84 60 – 58 59 –

Accommodation and food services ................ – 92 83 62 – 63 63 –

Other services ................................................... – 95 96 66 – 62 58 –

1 to 99 workers ...................................................... 29 83 76 53 43 79 76 57

1 to 49 workers .................................................. 26 82 76 53 40 79 76 54

50 to 99 workers ................................................ 33 85 76 54 51 78 78 66

100 workers or more .............................................. 30 80 77 58 42 75 80 51

100 to 499 workers ............................................ 31 79 77 58 42 70 82 56

500 workers or more .......................................... 28 81 78 58 42 81 77 45

Geographic area

New England ......................................................... – 88 82 54 50 74 71 50

Middle Atlantic ....................................................... 30 82 82 52 33 80 79 51

East North Central ................................................. 24 76 69 54 37 77 73 52

West North Central ................................................ 27 80 71 51 – 67 85 –

South Atlantic ........................................................ 32 78 77 55 48 74 76 52

East South Central ................................................ 42 84 82 56 – – – –

West South Central ............................................... 32 86 83 56 – 74 85 63

Mountain ................................................................ 28 82 73 54 49 63 64 66

Pacific .................................................................... 27 83 80 70 46 83 87 55

1 Provides preventive pediatric care, routine pediatric care, and routine

pediatric immunization for children two years and younger. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 21. Standard errors for medical care benefits: Coverage for

selected services by type of plan, all private industry workers, National

Compensation Survey, 2008

Characteristic

All plans

Hearing

care

Adult

physical

exam

Well

baby

care1

Adult

immunization

and

inoculation

All workers ............................................................. 1.4 1.1 1.3 1.5

Worker characteristic

Management, professional, and related ................ 1.9 2.2 2.3 2.7

Management, business, and financial ............... 2.4 2.3 2.4 3.0

Professional and related .................................... 2.4 3.1 3.1 3.4

Service ................................................................... 3.6 3.6 3.7 4.1

Sales and office ..................................................... 2.1 1.8 1.9 2.0

Sales and related ............................................... 3.3 2.5 3.2 2.8

Office and administrative support ...................... 2.6 2.3 2.3 2.6

Natural resources, construction, and maintenance 3.4 1.9 2.4 3.6

Construction, extraction, farming, fishing, and

forestry ............................................................. 5.6 3.5 4.2 6.2

Installation, maintenance, and repair ................. 3.9 1.8 2.6 4.2

Production, transportation, and material moving ... 2.5 2.0 2.4 2.6

Production ......................................................... 3.8 2.3 2.5 3.1

Transportation and material moving .................. 3.2 3.3 3.8 3.8

Full time ................................................................. 1.4 1.2 1.3 1.5

Part time ................................................................ 4.0 6.1 6.0 5.5

Union ..................................................................... 3.0 2.2 2.5 3.4

Nonunion ............................................................... 1.5 1.2 1.4 1.6

Average wage within the following percentiles:2

Less than 10 ...................................................... 9.1 5.3 6.7 8.0

10 to under 25 ................................................... 3.9 5.1 5.3 4.4

25 to under 50 ................................................... 2.4 1.9 1.9 2.4

50 to under 75 ................................................... 2.6 1.3 1.7 2.0

75 to under 90 ................................................... 2.0 1.7 2.4 2.2

90 or greater ...................................................... 2.1 3.3 3.0 3.7

Establishment characteristic

Goods-producing industries ................................... 2.4 1.8 2.1 2.4

Construction ...................................................... 4.8 4.0 4.3 4.7

Manufacturing .................................................... 2.9 2.2 2.2 3.1

Service-providing industries .................................. 1.7 1.4 1.5 1.7

Trade, transportation, and utilities ..................... 2.1 1.8 2.1 2.4

Wholesale trade ............................................. 4.8 2.9 3.3 5.7

Retail trade .................................................... 3.4 2.4 2.7 2.8

Transportation and warehousing ................... 4.4 4.5 4.8 6.0

Utilities ........................................................... – 5.3 5.1 8.8

Information ......................................................... 4.0 3.4 3.3 6.8

Financial activities ............................................. 2.5 2.8 2.8 3.1

Finance and insurance .................................. 1.7 2.4 2.0 2.5

Credit intermediation and related activities 2.9 3.3 3.3 3.8

Insurance carriers and related activities .... 3.2 4.5 3.3 4.5

Real estate and rental and leasing ................ 9.6 9.1 9.0 8.7

Professional and business services .................. 4.4 4.5 4.6 4.7

Professional and technical services .............. 6.7 6.5 7.3 7.0

Administrative and waste services ................ 5.5 7.9 7.8 7.6

See footnotes at end of table.
Table 21. Standard errors for medical care benefits: Coverage for

selected services by type of plan, all private industry workers, National

Compensation Survey, 2008—Continued

Characteristic

All plans

Hearing

care

Adult

physical

exam

Well

baby

care1

Adult

immunization

and

inoculation

Establishment characteristic

Education and health services ........................... 3.4 3.6 3.2 4.1

Educational services ...................................... 5.4 2.8 3.4 4.8

Junior colleges, colleges, and universities 3.4 3.0 3.6 3.5

Health care and social assistance ................. 3.9 4.2 3.8 4.7

Leisure and hospitality ....................................... 5.8 5.8 5.3 7.5

Accommodation and food services ................ – 6.4 6.0 9.5

Other services ................................................... 8.4 6.7 6.6 7.0

1 to 99 workers ...................................................... 2.4 1.9 2.3 2.1

1 to 49 workers .................................................. 2.9 2.3 2.8 2.9

50 to 99 workers ................................................ 4.0 3.1 3.4 4.0

100 workers or more .............................................. 1.8 1.7 1.7 2.1

100 to 499 workers ............................................ 2.1 2.7 2.4 2.7

500 workers or more .......................................... 3.0 2.2 2.4 3.0

Geographic area

New England ......................................................... 10.3 4.7 5.3 11.2

Middle Atlantic ....................................................... 2.4 2.7 2.6 4.4

East North Central ................................................. 2.3 3.1 3.3 3.5

West North Central ................................................ 3.8 4.1 5.0 5.6

South Atlantic ........................................................ 3.5 3.5 3.8 3.0

East South Central ................................................ 4.5 3.9 3.4 4.1

West South Central ............................................... 3.8 2.2 2.2 3.8

Mountain ................................................................ 4.4 4.2 3.8 6.5

Pacific .................................................................... 3.7 2.3 2.9 3.6

See footnotes at end of table.
Table 21. Standard errors for medical care benefits: Coverage for selected services by type of plan, all

private industry workers, National Compensation Survey, 2008—Continued

Characteristic

Fee-for-service plan Health maintenance organization

Hearing

care

Adult

physical

exam

Well

baby

care1

Adult

immunization

and

inoculation

Hearing

care

Adult

physical

exam

Well

baby

care1

Adult

immunization

and

inoculation

All workers ............................................................. 1.2 1.3 1.5 1.6 2.8 2.6 2.5 3.0

Worker characteristic

Management, professional, and related ................ 2.0 2.6 2.8 2.9 4.2 3.3 2.8 5.3

Management, business, and financial ............... 2.4 2.3 2.6 2.8 4.8 4.6 3.8 6.3

Professional and related .................................... 2.8 3.6 3.8 3.8 6.1 4.5 3.5 6.6

Service ................................................................... 3.6 3.8 4.3 4.5 10.3 7.6 7.2 8.4

Sales and office ..................................................... 1.8 2.2 2.2 2.1 5.8 3.5 3.5 5.2

Sales and related ............................................... 3.3 2.7 3.3 3.4 6.4 4.4 5.3 5.3

Office and administrative support ...................... 2.3 2.8 2.8 2.7 7.5 4.3 3.9 6.8

Natural resources, construction, and maintenance 3.9 1.9 3.1 3.9 5.7 5.3 5.5 7.9

Construction, extraction, farming, fishing, and

forestry ............................................................. 6.3 3.0 5.4 6.9 8.0 10.5 10.6 9.5

Installation, maintenance, and repair ................. 4.4 2.7 3.5 4.0 9.6 4.2 4.2 11.4

Production, transportation, and material moving ... 2.6 2.3 2.6 2.9 5.0 4.1 4.5 5.8

Production ......................................................... 3.4 2.3 2.6 3.3 8.1 6.5 6.7 7.3

Transportation and material moving .................. 3.8 4.1 4.4 4.1 6.0 4.4 4.7 9.7

Full time ................................................................. 1.3 1.3 1.5 1.6 2.8 2.7 2.5 3.1

Part time ................................................................ 4.6 7.9 7.5 6.4 8.3 5.8 5.8 8.5

Union ..................................................................... 3.1 1.8 3.0 4.1 5.8 6.1 5.2 5.4

Nonunion ............................................................... 1.4 1.5 1.7 1.8 3.2 2.6 2.5 3.5

Average wage within the following percentiles:2

Less than 10 ...................................................... 9.2 5.7 7.3 8.2 – 13.3 11.3 16.1

10 to under 25 ................................................... 3.3 5.6 5.9 4.9 6.2 10.6 9.8 8.1

25 to under 50 ................................................... 2.1 2.0 2.2 2.6 6.5 4.2 3.9 5.6

50 to under 75 ................................................... 2.1 1.5 1.9 2.1 4.8 3.6 3.5 3.7

75 to under 90 ................................................... 2.1 2.0 3.0 2.6 4.0 3.6 3.9 4.9

90 or greater ...................................................... 2.6 3.7 3.7 3.6 5.1 4.9 3.9 6.8

Establishment characteristic

Goods-producing industries ................................... 2.7 2.1 2.3 2.7 5.1 4.8 4.9 5.3

Construction ...................................................... 5.6 4.6 5.4 5.2 5.1 6.4 6.4 10.0

Manufacturing .................................................... 2.9 2.4 2.3 3.2 6.6 6.2 6.3 7.1

Service-providing industries .................................. 1.6 1.7 1.7 1.8 3.0 2.6 2.7 3.5

Trade, transportation, and utilities ..................... 2.4 2.2 2.5 2.6 3.9 2.6 2.4 4.5

Wholesale trade ............................................. 5.1 3.3 4.2 5.7 8.5 4.4 5.2 6.5

Retail trade .................................................... 3.2 2.9 3.1 3.7 8.5 3.8 4.8 5.2

Transportation and warehousing ................... 5.3 5.5 5.7 5.5 – 3.8 3.9 17.0

Utilities ........................................................... – 6.2 6.2 10.0 – 4.5 0.5 8.3

Information ......................................................... 4.6 3.2 3.2 6.4 6.7 4.2 4.0 12.2

Financial activities ............................................. 3.2 3.1 2.9 3.1 5.6 5.9 5.6 6.3

Finance and insurance .................................. 1.7 2.8 2.4 2.9 4.9 3.5 3.9 5.1

Credit intermediation and related activities 3.1 3.7 3.8 4.3 6.6 5.3 6.0 6.8

Insurance carriers and related activities .... 2.6 5.0 3.5 5.4 – 6.0 7.5 9.1

Real estate and rental and leasing ................ 11.4 10.6 9.9 9.0 – – – –

Professional and business services .................. 4.6 5.6 5.6 5.4 10.1 7.7 5.8 9.0

Professional and technical services .............. 7.2 7.7 8.3 8.0 15.7 11.1 8.9 7.1

Administrative and waste services ................ 8.1 10.3 9.8 7.9 15.7 11.4 11.4 –

See footnotes at end of table.
Table 21. Standard errors for medical care benefits: Coverage for selected services by type of plan, all

private industry workers, National Compensation Survey, 2008—Continued

Characteristic

Fee-for-service plan Health maintenance organization

Hearing

care

Adult

physical

exam

Well

baby

care1

Adult

immunization

and

inoculation

Hearing

care

Adult

physical

exam

Well

baby

care1

Adult

immunization

and

inoculation

Establishment characteristic

Education and health services ........................... 3.0 3.9 3.9 4.7 8.4 6.6 5.5 7.8

Educational services ...................................... 5.2 4.1 4.7 4.9 – 2.5 3.1 9.1

Junior colleges, colleges, and universities 5.1 3.3 3.6 5.1 2.5 3.0 4.2 2.9

Health care and social assistance ................. 3.3 4.5 4.5 5.3 10.3 8.5 6.9 9.3

Leisure and hospitality ....................................... – 3.7 4.6 7.8 – 15.0 14.8 –

Accommodation and food services ................ – 3.3 5.4 9.1 – 18.9 18.9 –

Other services ................................................... – 3.2 2.4 7.3 – 14.4 13.8 –

1 to 99 workers ...................................................... 2.2 2.2 2.8 2.4 5.6 3.4 3.4 4.6

1 to 49 workers .................................................. 2.7 2.8 3.4 3.2 6.8 3.7 4.0 5.5

50 to 99 workers ................................................ 4.4 3.4 4.0 4.6 6.8 7.8 7.0 7.5

100 workers or more .............................................. 1.5 1.7 1.9 2.1 4.8 3.5 3.3 4.1

100 to 499 workers ............................................ 2.2 2.8 2.7 3.1 6.0 5.3 4.0 5.4

500 workers or more .......................................... 2.4 2.4 2.7 3.1 7.2 3.8 4.5 5.9

Geographic area

New England ......................................................... – 3.2 5.3 11.0 12.1 11.5 7.9 13.4

Middle Atlantic ....................................................... 3.2 4.5 4.6 5.6 5.4 3.0 3.9 3.5

East North Central ................................................. 2.8 3.3 3.6 4.2 6.3 4.3 4.3 5.4

West North Central ................................................ 4.2 3.5 5.7 5.7 – 15.8 7.4 –

South Atlantic ........................................................ 3.2 4.0 4.4 3.3 8.4 6.2 6.5 8.9

East South Central ................................................ 4.6 4.6 4.0 4.3 – – – –

West South Central ............................................... 3.3 2.0 2.2 3.5 – 7.7 7.0 13.6

Mountain ................................................................ 4.7 4.9 6.0 7.1 7.8 13.3 14.9 9.5

Pacific .................................................................... 3.3 1.7 2.1 2.9 4.1 5.7 5.1 6.5

1 Provides preventive pediatric care, routine pediatric care, and routine

pediatric immunization for children two years and younger. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 22. Hospital room and board benefits: Extent of coverage by type of

plan, private industry workers, National Compensation Survey, 2008

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

Characteristic

All plans

Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

All workers ............................................................. 12 88 – –

Worker characteristic

Management, professional, and related ................ 12 87 – –

Management, business, and financial ............... 10 90 – –

Professional and related .................................... 14 85 – –

Service ................................................................... 16 84 – –

Sales and office ..................................................... 10 89 – –

Sales and related ............................................... 11 89 – –

Office and administrative support ...................... 10 89 – –

Natural resources, construction, and maintenance 13 86 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. 9 91 – –

Installation, maintenance, and repair ................. 18 81 – –

Production, transportation, and material moving ... 10 90 – –

Production ......................................................... 13 87 – –

Transportation and material moving .................. 6 94 – –

Full time ................................................................. 11 88 – –

Part time ................................................................ 23 76 – –

Union ..................................................................... 18 82 – –

Nonunion ............................................................... 11 89 – –

Average wage within the following percentiles:3

Less than 10 ...................................................... – 97 – 1

10 to under 25 ................................................... 14 86 – –

25 to under 50 ................................................... 10 89 – –

50 to under 75 ................................................... 12 88 – –

75 to under 90 ................................................... 11 88 – –

90 or greater ...................................................... 15 84 – –

Establishment characteristic

Goods-producing industries ................................... 11 89 – –

Construction ...................................................... 7 93 – –

Manufacturing .................................................... 13 87 – –

Service-providing industries .................................. 12 87 – –

Trade, transportation, and utilities ..................... 9 91 – –

Wholesale trade ............................................. 13 87 – –

Retail trade .................................................... 8 91 – –

Transportation and warehousing ................... – 97 – –

Utilities ........................................................... – 84 – –

Information ......................................................... – 90 – –

Financial activities ............................................. 8 92 – –

Finance and insurance .................................. 9 91 – –

Credit intermediation and related activities 8 92 – –

Insurance carriers and related activities .... 12 88 – –

Real estate and rental and leasing ................ – 98 – –

Professional and business services .................. – 93 – 2

Professional and technical services .............. – 92 – 4

Administrative and waste services ................ – 93 – 2 ( )

See footnotes at end of table.
Table 22. Hospital room and board benefits: Extent of coverage by type of

plan, private industry workers, National Compensation Survey,

2008—Continued

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

Characteristic

All plans

Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... 25 75 – –

Educational services ...................................... 28 72 – –

Junior colleges, colleges, and universities 34 66 – –

Health care and social assistance ................. 25 75 – –

Leisure and hospitality ....................................... – 90 – –

Accommodation and food services ................ – 97 – –

Other services ................................................... – 75 – –

1 to 99 workers ...................................................... 14 86 – –

1 to 49 workers .................................................. 16 84 – –

50 to 99 workers ................................................ 9 90 – –

100 workers or more .............................................. 11 89 – –

100 to 499 workers ............................................ 10 89 – –

500 workers or more .......................................... 12 88 – –

Geographic area

New England ......................................................... 16 84 – –

Middle Atlantic ....................................................... 22 78 – –

East North Central ................................................. 8 90 – –

West North Central ................................................ – 95 – 2 ( )

South Atlantic ........................................................ 13 87 – –

East South Central ................................................ – 92 – –

West South Central ............................................... – 91 – –

Mountain ................................................................ – 96 – 2 ( )

Pacific .................................................................... 14 86 – –

See footnotes at end of table.
Table 22. Hospital room and board benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2008—Continued

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

Characteristic

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 ............................................................. 7 92 – – 29 71 – –

Worker characteristic

Management, professional, and related ................ 7 92 – – 31 69 – –

Management, business, and financial ............... 5 94 – – 25 75 – –

Professional and related .................................... 8 90 – – 35 65 – –

Service ................................................................... 12 87 – – – 71 – –

Sales and office ..................................................... 6 94 – – 27 73 – –

Sales and related ............................................... 6 93 – – 29 71 – –

Office and administrative support ...................... 5 94 – – 27 73 – –

Natural resources, construction, and maintenance 6 93 – – 34 66 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. – 94 – 2 ( ) – 82 – –

Installation, maintenance, and repair ................. – 91 – 1 47 53 – –

Production, transportation, and material moving ... 6 94 – – 26 74 – –

Production ......................................................... 7 93 – – 37 63 – –

Transportation and material moving .................. – 96 – 2 ( ) – 90 – –

Full time ................................................................. 7 93 – – 27 73 – –

Part time ................................................................ 11 87 – – 58 42 – –

Union ..................................................................... – 92 – 2 ( ) 44 56 – –

Nonunion ............................................................... 7 93 – – 26 74 – –

Average wage within the following percentiles:3

Less than 10 ...................................................... – 97 – 1 – 97 – –

10 to under 25 ................................................... – 92 – 2 ( ) 39 61 – –

25 to under 50 ................................................... 6 94 – – 30 70 – –

50 to under 75 ................................................... 7 93 – – 25 75 – –

75 to under 90 ................................................... 7 92 – – 26 74 – –

90 or greater ...................................................... 8 91 – – 38 62 – –

Establishment characteristic

Goods-producing industries ................................... 5 95 – – 34 66 – –

Construction ...................................................... – 97 – 2 ( ) 25 75 – –

Manufacturing .................................................... 7 93 – – 37 63 – –

Service-providing industries .................................. 7 92 – – 28 72 – –

Trade, transportation, and utilities ..................... 5 94 – – 23 77 – –

Wholesale trade ............................................. 12 88 – – – 85 – –

Retail trade .................................................... 3 96 – – 31 69 – –

Transportation and warehousing ................... – 99 – – – 91 – –

Utilities ........................................................... – 94 – – 65 – – –

Information ......................................................... 2 98 – – 47 53 – –

Financial activities ............................................. 5 94 – – 15 85 – –

Finance and insurance .................................. 7 93 – – 19 81 – –

Credit intermediation and related activities – 93 – – – 87 – –

Insurance carriers and related activities .... – 93 – – – 69 – –

Real estate and rental and leasing ................ – 98 – – – 98 – –

Professional and business services .................. – 94 – 3 – 89 – –

Professional and technical services .............. – 92 – 5 – 93 – –

Administrative and waste services ................ – 96 – 2 ( ) – 85 – –

See footnotes at end of table.
Table 22. Hospital room and board benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2008—Continued

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

Characteristic

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

Establishment characteristic

Education and health services ........................... 16 84 – – 52 48 – –

Educational services ...................................... 16 84 – – 49 51 – –

Junior colleges, colleges, and universities 25 75 – – 50 50 – –

Health care and social assistance ................. 16 84 – – 52 48 – –

Leisure and hospitality ....................................... – 92 – – – 86 – –

Accommodation and food services ................ – 96 – – – 100 – –

Other services ................................................... – 80 – – – 66 – –

1 to 99 workers ...................................................... 8 91 – – 31 69 – –

1 to 49 workers .................................................. 10 89 – – 32 68 – –

50 to 99 workers ................................................ – 95 – 2 ( ) 29 71 – –

100 workers or more .............................................. 6 93 – – 28 72 – –

100 to 499 workers ............................................ 5 94 – – 26 74 – –

500 workers or more .......................................... 7 93 – – 30 70 – –

Geographic area

New England ......................................................... – 87 – – 21 79 – –

Middle Atlantic ....................................................... 19 81 – – 31 69 – –

East North Central ................................................. 4 94 – – 32 68 – –

West North Central ................................................ – 96 – 2 ( ) – 80 – –

South Atlantic ........................................................ 8 92 – – – 67 – –

East South Central ................................................ – 96 – – – – – –

West South Central ............................................... – 93 – – – 76 – –

Mountain ................................................................ – 97 – 2 ( ) – 93 – –

Pacific .................................................................... – 97 – 2 ( ) 33 67 – –

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 percent. 3 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 22. Standard errors for hospital room and board benefits: Extent of

coverage by type of plan, private industry workers, National

Compensation Survey, 2008

Characteristic

All plans

Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

All workers ............................................................. 0.9 0.9 – –

Worker characteristic

Management, professional, and related ................ 1.3 1.4 – –

Management, business, and financial ............... 1.6 1.6 – –

Professional and related .................................... 1.7 1.8 – –

Service ................................................................... 3.4 3.4 – –

Sales and office ..................................................... 1.5 1.6 – –

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

Office and administrative support ...................... 1.9 1.9 – –

Natural resources, construction, and maintenance 2.0 2.1 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. 1.8 1.8 – –

Installation, maintenance, and repair ................. 3.4 3.5 – –

Production, transportation, and material moving ... 1.5 1.5 – –

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

Transportation and material moving .................. 1.5 1.5 – –

Full time ................................................................. 0.9 0.9 – –

Part time ................................................................ 3.3 3.4 – –

Union ..................................................................... 2.8 2.8 – –

Nonunion ............................................................... 1.0 1.0 – –

Average wage within the following percentiles:3

Less than 10 ...................................................... – 1.6 – 0.9

10 to under 25 ................................................... 3.4 3.4 – –

25 to under 50 ................................................... 1.7 1.7 – –

50 to under 75 ................................................... 1.4 1.4 – –

75 to under 90 ................................................... 1.2 1.3 – –

90 or greater ...................................................... 1.5 1.6 – –

Establishment characteristic

Goods-producing industries ................................... 1.4 1.4 – –

Construction ...................................................... 1.7 1.7 – –

Manufacturing .................................................... 1.9 1.9 – –

Service-providing industries .................................. 1.1 1.1 – –

Trade, transportation, and utilities ..................... 1.4 1.4 – –

Wholesale trade ............................................. 3.1 3.1 – –

Retail trade .................................................... 1.9 2.0 – –

Transportation and warehousing ................... – 1.4 – –

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

Information ......................................................... – 3.3 – –

Financial activities ............................................. 1.3 1.3 – –

Finance and insurance .................................. 1.6 1.6 – –

Credit intermediation and related activities 1.8 1.8 – –

Insurance carriers and related activities .... 3.6 3.6 – –

Real estate and rental and leasing ................ – 1.4 – –

Professional and business services .................. – 2.1 – 1.0

Professional and technical services .............. – 3.3 – 1.9

Administrative and waste services ................ – 3.5 – 2 ( )

See footnotes at end of table.
Table 22. Standard errors for hospital room and board benefits: Extent of

coverage by type of plan, private industry workers, National

Compensation Survey, 2008—Continued

Characteristic

All plans

Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... 3.9 3.9 – –

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

Junior colleges, colleges, and universities 4.9 4.9 – –

Health care and social assistance ................. 4.2 4.2 – –

Leisure and hospitality ....................................... – 3.9 – –

Accommodation and food services ................ – 2.8 – –

Other services ................................................... – 9.2 – –

1 to 99 workers ...................................................... 1.6 1.6 – –

1 to 49 workers .................................................. 2.1 2.1 – –

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

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

100 to 499 workers ............................................ 1.3 1.4 – –

500 workers or more .......................................... 1.5 1.5 – –

Geographic area

New England ......................................................... 4.6 4.6 – –

Middle Atlantic ....................................................... 3.1 3.1 – –

East North Central ................................................. 1.0 1.3 – –

West North Central ................................................ – 1.7 – 2 ( )

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

East South Central ................................................ – 3.3 – –

West South Central ............................................... – 2.8 – –

Mountain ................................................................ – 2.0 – 2 ( )

Pacific .................................................................... 1.9 1.8 – –

See footnotes at end of table.
Table 22. Standard errors for hospital room and board benefits: Extent of coverage by type of plan, private

industry workers, National Compensation Survey, 2008—Continued

Characteristic

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 ............................................................. 0.7 0.7 – – 2.5 2.5 – –

Worker characteristic

Management, professional, and related ................ 1.1 1.2 – – 4.1 4.1 – –

Management, business, and financial ............... 1.0 1.0 – – 5.4 5.4 – –

Professional and related .................................... 1.5 1.6 – – 4.5 4.5 – –

Service ................................................................... 3.3 3.3 – – – 9.3 – –

Sales and office ..................................................... 0.7 0.8 – – 5.4 5.4 – –

Sales and related ............................................... 1.3 1.3 – – 8.1 8.1 – –

Office and administrative support ...................... 0.7 0.9 – – 6.5 6.5 – –

Natural resources, construction, and maintenance 1.9 2.0 – – 4.7 4.7 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. – 2.9 – 2 ( ) – 6.7 – –

Installation, maintenance, and repair ................. – 2.6 – 1.3 7.7 7.7 – –

Production, transportation, and material moving ... 1.0 1.0 – – 5.4 5.4 – –

Production ......................................................... 1.2 1.2 – – 6.7 6.7 – –

Transportation and material moving .................. – 1.5 – 2 ( ) – 3.8 – –

Full time ................................................................. 0.7 0.7 – – 2.7 2.7 – –

Part time ................................................................ 3.1 3.3 – – 8.6 8.6 – –

Union ..................................................................... – 2.9 – 2 ( ) 6.5 6.5 – –

Nonunion ............................................................... 0.6 0.7 – – 3.1 3.1 – –

Average wage within the following percentiles:3

Less than 10 ...................................................... – 1.8 – 1.0 – 3.2 – –

10 to under 25 ................................................... – 2.6 – 2 ( ) 9.6 9.6 – –

25 to under 50 ................................................... 0.9 0.9 – – 7.1 7.1 – –

50 to under 75 ................................................... 1.3 1.3 – – 2.9 2.9 – –

75 to under 90 ................................................... 1.3 1.3 – – 2.8 2.8 – –

90 or greater ...................................................... 1.4 1.5 – – 5.7 5.7 – –

Establishment characteristic

Goods-producing industries ................................... 0.9 0.9 – – 4.8 4.8 – –

Construction ...................................................... – 1.3 – 2 ( ) 5.8 5.8 – –

Manufacturing .................................................... 1.3 1.3 – – 6.2 6.2 – –

Service-providing industries .................................. 0.8 0.9 – – 3.1 3.1 – –

Trade, transportation, and utilities ..................... 1.1 1.1 – – 4.3 4.3 – –

Wholesale trade ............................................. 3.5 3.5 – – – 5.0 – –

Retail trade .................................................... 0.8 0.9 – – 8.6 8.6 – –

Transportation and warehousing ................... – 1.1 – – – 7.5 – –

Utilities ........................................................... – 3.1 – – 14.9 – – –

Information ......................................................... 0.6 0.6 – – 14.1 14.1 – –

Financial activities ............................................. 0.9 1.0 – – 4.1 4.1 – –

Finance and insurance .................................. 1.3 1.3 – – 5.2 5.2 – –

Credit intermediation and related activities – 2.0 – – – 5.4 – –

Insurance carriers and related activities .... – 2.3 – – – 11.6 – –

Real estate and rental and leasing ................ – 1.3 – – – 1.9 – –

Professional and business services .................. – 2.0 – 1.3 – 5.4 – –

Professional and technical services .............. – 3.3 – 2.3 – 7.5 – –

Administrative and waste services ................ – 2.9 – 2 ( ) – 9.7 – –

See footnotes at end of table.
Table 22. Standard errors for hospital room and board benefits: Extent of coverage by type of plan, private

industry workers, National Compensation Survey, 2008—Continued

Characteristic

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

Establishment characteristic

Education and health services ........................... 3.4 3.4 – – 7.1 7.1 – –

Educational services ...................................... 4.7 4.7 – – 10.4 10.4 – –

Junior colleges, colleges, and universities 5.1 5.1 – – 5.5 5.5 – –

Health care and social assistance ................. 3.5 3.5 – – 9.0 9.0 – –

Leisure and hospitality ....................................... – 4.3 – – – 9.2 – –

Accommodation and food services ................ – 3.8 – – – 0.0 – –

Other services ................................................... – 12.7 – – – 15.7 – –

1 to 99 workers ...................................................... 1.3 1.3 – – 4.8 4.8 – –

1 to 49 workers .................................................. 1.4 1.4 – – 5.9 5.9 – –

50 to 99 workers ................................................ – 2.2 – 2 ( ) 5.9 5.9 – –

100 workers or more .............................................. 0.7 0.8 – – 3.0 3.0 – –

100 to 499 workers ............................................ 1.1 1.3 – – 4.1 4.1 – –

500 workers or more .......................................... 1.0 1.0 – – 5.1 5.1 – –

Geographic area

New England ......................................................... – 4.0 – – 4.6 4.6 – –

Middle Atlantic ....................................................... 3.0 2.9 – – 6.0 6.0 – –

East North Central ................................................. 0.9 1.3 – – 5.1 5.1 – –

West North Central ................................................ – 1.5 – 2 ( ) – 10.9 – –

South Atlantic ........................................................ 1.3 1.4 – – – 11.8 – –

East South Central ................................................ – 1.5 – – – – – –

West South Central ............................................... – 2.5 – – – 14.5 – –

Mountain ................................................................ – 1.7 – 2 ( ) – 3.0 – –

Pacific .................................................................... – 1.6 – 2 ( ) 2.8 2.8 – –

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 Less than 0.05. 3 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 23. Inpatient surgery benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2008

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

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. 20 79 – –

Worker characteristic

Management, professional, and related ................ 20 78 – –

Management, business, and financial ............... 19 79 – –

Professional and related .................................... 21 77 – –

Service ................................................................... 26 74 – –

Sales and office ..................................................... 21 78 – –

Sales and related ............................................... 20 78 – –

Office and administrative support ...................... 21 77 – –

Natural resources, construction, and maintenance 18 80 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. 13 86 – –

Installation, maintenance, and repair ................. 23 75 – –

Production, transportation, and material moving ... 15 85 – –

Production ......................................................... 15 84 – –

Transportation and material moving .................. 13 86 – –

Full time ................................................................. 19 79 – –

Part time ................................................................ 28 71 – –

Union ..................................................................... 24 76 – –

Nonunion ............................................................... 19 79 – –

Average wage within the following percentiles:2

Less than 10 ...................................................... – 88 – –

10 to under 25 ................................................... 20 80 – –

25 to under 50 ................................................... 17 81 – –

50 to under 75 ................................................... 21 78 – –

75 to under 90 ................................................... 20 78 – –

90 or greater ...................................................... 21 77 – –

Establishment characteristic

Goods-producing industries ................................... 15 85 – –

Construction ...................................................... 10 89 – –

Manufacturing .................................................... 16 83 – –

Service-providing industries .................................. 21 77 – –

Trade, transportation, and utilities ..................... 16 82 – –

Wholesale trade ............................................. 21 79 – –

Retail trade .................................................... 17 82 – –

Transportation and warehousing ................... 10 89 – –

Utilities ........................................................... – 83 – –

Information ......................................................... 18 82 – –

Financial activities ............................................. 20 77 – –

Finance and insurance .................................. 21 75 – –

Credit intermediation and related activities 24 75 – –

Insurance carriers and related activities .... 19 72 – –

Real estate and rental and leasing ................ – 84 – –

Professional and business services .................. 14 82 – –

Professional and technical services .............. – 85 – 5

Administrative and waste services ................ – 76 – 1 ( )

See footnotes at end of table.
Table 23. Inpatient surgery benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey,

2008—Continued

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

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... 34 65 – –

Educational services ...................................... 38 61 – –

Junior colleges, colleges, and universities 47 51 – –

Health care and social assistance ................. 33 66 – –

Leisure and hospitality ....................................... – 81 – 1 ( )

Accommodation and food services ................ – 85 – –

Other services ................................................... 39 61 – –

1 to 99 workers ...................................................... 21 78 – –

1 to 49 workers .................................................. 23 75 – –

50 to 99 workers ................................................ 16 84 – –

100 workers or more .............................................. 19 80 – –

100 to 499 workers ............................................ 17 82 – –

500 workers or more .......................................... 21 77 – –

Geographic area

New England ......................................................... – 71 – 1 ( )

Middle Atlantic ....................................................... 31 68 – –

East North Central ................................................. 11 85 – –

West North Central ................................................ 5 93 – –

South Atlantic ........................................................ 23 76 – –

East South Central ................................................ 15 83 – –

West South Central ............................................... 12 87 – –

Mountain ................................................................ – 88 – 1

Pacific .................................................................... 27 72 – –

See footnotes at end of table.
Table 23. Inpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2008—Continued

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

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. 10 88 – – 54 46 – –

Worker characteristic

Management, professional, and related ................ 10 87 – – 56 43 – –

Management, business, and financial ............... 8 89 – – 55 44 – –

Professional and related .................................... 11 86 – – 57 42 – –

Service ................................................................... 14 86 – – 69 31 – –

Sales and office ..................................................... 10 88 – – 58 42 – –

Sales and related ............................................... 8 90 – – 70 30 – –

Office and administrative support ...................... 11 87 – – 53 47 – –

Natural resources, construction, and maintenance 10 89 – – 44 56 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. – 91 – 1 30 70 – –

Installation, maintenance, and repair ................. 11 87 – – 56 44 – –

Production, transportation, and material moving ... 7 92 – – 42 58 – –

Production ......................................................... 7 93 – – 47 53 – –

Transportation and material moving .................. – 92 – 1 ( ) 34 66 – –

Full time ................................................................. 10 89 – – 53 47 – –

Part time ................................................................ 13 86 – – 75 – – –

Union ..................................................................... 10 90 – – 62 38 – –

Nonunion ............................................................... 10 88 – – 52 48 – –

Average wage within the following percentiles:2

Less than 10 ...................................................... – 91 – – – 64 – –

10 to under 25 ................................................... 8 92 – – 66 34 – –

25 to under 50 ................................................... 9 90 – – 54 46 – –

50 to under 75 ................................................... 11 88 – – 50 50 – –

75 to under 90 ................................................... 10 87 – – 54 45 – –

90 or greater ...................................................... 11 87 – – 57 42 – –

Establishment characteristic

Goods-producing industries ................................... 7 92 – – 45 55 – –

Construction ...................................................... – 95 – 1 34 66 – –

Manufacturing .................................................... 8 91 – – 47 53 – –

Service-providing industries .................................. 11 87 – – 57 43 – –

Trade, transportation, and utilities ..................... 7 91 – – 52 48 – –

Wholesale trade ............................................. 12 88 – – – 56 – –

Retail trade .................................................... 6 92 – – 64 36 – –

Transportation and warehousing ................... – 94 – 2 – 65 – –

Utilities ........................................................... – 92 – – 65 – – –

Information ......................................................... – 89 – 1 57 43 – –

Financial activities ............................................. 12 85 – – 48 50 – –

Finance and insurance .................................. 14 81 – – 46 52 – –

Credit intermediation and related activities 18 81 – – 42 57 – –

Insurance carriers and related activities .... 11 79 – – 50 45 – –

Real estate and rental and leasing ................ – 98 – – 55 – – –

Professional and business services .................. – 91 – 5 52 47 – –

Professional and technical services .............. – 90 – 5 43 56 – –

Administrative and waste services ................ – 96 – 1 ( ) 81 – – –

See footnotes at end of table.
Table 23. Inpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2008—Continued

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

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... 22 77 – – 68 32 – –

Educational services ...................................... 18 81 – – 72 – – 1

Junior colleges, colleges, and universities 28 71 – – 79 20 – –

Health care and social assistance ................. 22 77 – – 67 33 – –

Leisure and hospitality ....................................... – 94 – 1 ( ) 50 50 – –

Accommodation and food services ................ – 96 – – – – – –

Other services ................................................... – 77 – – 68 – – –

1 to 99 workers ...................................................... 10 88 – – 54 45 – –

1 to 49 workers .................................................. 13 85 – – 53 47 – –

50 to 99 workers ................................................ – 94 – 1 ( ) 59 41 – –

100 workers or more .............................................. 9 89 – – 54 46 – –

100 to 499 workers ............................................ 7 91 – – 52 48 – –

500 workers or more .......................................... 12 86 – – 56 44 – –

Geographic area

New England ......................................................... – 85 – – 46 53 – –

Middle Atlantic ....................................................... 23 76 – – 52 48 – –

East North Central ................................................. 4 91 – – 51 49 – –

West North Central ................................................ – 96 – 1 – 61 – 2

South Atlantic ........................................................ 12 87 – – 69 31 – –

East South Central ................................................ – 91 – 2 88 – – –

West South Central ............................................... – 92 – 1 – 55 – –

Mountain ................................................................ – 94 – 1 40 60 – –

Pacific .................................................................... – 88 – 1 56 44 – –

1 Less than 0.5 percent. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 23. Standard errors for inpatient surgery benefits: Extent of

coverage by type of plan, private industry workers, National

Compensation Survey, 2008

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. 1.1 1.1 – –

Worker characteristic

Management, professional, and related ................ 1.6 1.7 – –

Management, business, and financial ............... 1.7 1.8 – –

Professional and related .................................... 2.2 2.3 – –

Service ................................................................... 3.1 3.1 – –

Sales and office ..................................................... 1.8 1.8 – –

Sales and related ............................................... 2.0 2.1 – –

Office and administrative support ...................... 2.2 2.3 – –

Natural resources, construction, and maintenance 2.4 2.4 – –

Construction, extraction, farming, fishing, and

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

Installation, maintenance, and repair ................. 3.6 3.6 – –

Production, transportation, and material moving ... 1.8 1.7 – –

Production ......................................................... 2.2 2.2 – –

Transportation and material moving .................. 2.4 2.4 – –

Full time ................................................................. 1.2 1.2 – –

Part time ................................................................ 3.5 3.6 – –

Union ..................................................................... 2.7 2.7 – –

Nonunion ............................................................... 1.3 1.3 – –

Average wage within the following percentiles:2

Less than 10 ...................................................... – 4.6 – –

10 to under 25 ................................................... 2.7 2.7 – –

25 to under 50 ................................................... 1.7 1.7 – –

50 to under 75 ................................................... 2.0 2.0 – –

75 to under 90 ................................................... 1.6 1.7 – –

90 or greater ...................................................... 1.9 1.9 – –

Establishment characteristic

Goods-producing industries ................................... 1.6 1.6 – –

Construction ...................................................... 1.8 1.9 – –

Manufacturing .................................................... 2.2 2.2 – –

Service-providing industries .................................. 1.3 1.4 – –

Trade, transportation, and utilities ..................... 1.8 1.8 – –

Wholesale trade ............................................. 3.9 3.9 – –

Retail trade .................................................... 2.1 2.2 – –

Transportation and warehousing ................... 2.5 2.8 – –

Utilities ........................................................... – 6.3 – –

Information ......................................................... 5.0 5.1 – –

Financial activities ............................................. 1.9 1.9 – –

Finance and insurance .................................. 2.2 2.4 – –

Credit intermediation and related activities 2.8 2.8 – –

Insurance carriers and related activities .... 4.1 4.8 – –

Real estate and rental and leasing ................ – 4.8 – –

Professional and business services .................. 3.8 4.1 – –

Professional and technical services .............. – 4.1 – 1.9

Administrative and waste services ................ – 9.8 – 1 ( )

See footnotes at end of table.
Table 23. Standard errors for inpatient surgery benefits: Extent of

coverage by type of plan, private industry workers, National

Compensation Survey, 2008—Continued

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... 4.5 4.6 – –

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

Junior colleges, colleges, and universities 4.8 4.7 – –

Health care and social assistance ................. 5.0 5.1 – –

Leisure and hospitality ....................................... – 6.0 – 1 ( )

Accommodation and food services ................ – 6.7 – –

Other services ................................................... 10.2 10.2 – –

1 to 99 workers ...................................................... 1.6 1.7 – –

1 to 49 workers .................................................. 2.2 2.3 – –

50 to 99 workers ................................................ 2.0 2.0 – –

100 workers or more .............................................. 1.5 1.6 – –

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

500 workers or more .......................................... 2.2 2.3 – –

Geographic area

New England ......................................................... – 10.5 – 1 ( )

Middle Atlantic ....................................................... 2.3 2.2 – –

East North Central ................................................. 1.6 1.9 – –

West North Central ................................................ 1.3 1.1 – –

South Atlantic ........................................................ 2.9 3.0 – –

East South Central ................................................ 3.9 3.3 – –

West South Central ............................................... 2.8 2.9 – –

Mountain ................................................................ – 3.8 – 0.7

Pacific .................................................................... 2.8 2.9 – –

See footnotes at end of table.
Table 23. Standard errors for inpatient surgery benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2008—Continued

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. 1.0 1.0 – – 2.7 2.7 – –

Worker characteristic

Management, professional, and related ................ 1.2 1.4 – – 3.2 3.3 – –

Management, business, and financial ............... 1.2 1.4 – – 4.6 4.8 – –

Professional and related .................................... 1.8 1.9 – – 4.6 4.6 – –

Service ................................................................... 3.3 3.3 – – 6.4 6.3 – –

Sales and office ..................................................... 1.4 1.5 – – 5.6 5.6 – –

Sales and related ............................................... 1.5 1.6 – – 4.4 4.4 – –

Office and administrative support ...................... 1.8 2.0 – – 7.3 7.3 – –

Natural resources, construction, and maintenance 2.3 2.4 – – 5.0 5.0 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. – 3.2 – 0.9 8.8 8.8 – –

Installation, maintenance, and repair ................. 3.1 3.2 – – 7.1 7.1 – –

Production, transportation, and material moving ... 1.3 1.3 – – 5.8 5.8 – –

Production ......................................................... 1.1 1.1 – – 7.0 7.0 – –

Transportation and material moving .................. – 2.2 – 1 ( ) 8.6 8.8 – –

Full time ................................................................. 1.0 1.0 – – 2.8 2.8 – –

Part time ................................................................ 3.1 3.4 – – 9.0 – – –

Union ..................................................................... 2.9 2.9 – – 6.9 6.9 – –

Nonunion ............................................................... 1.1 1.1 – – 3.2 3.2 – –

Average wage within the following percentiles:2

Less than 10 ...................................................... – 5.1 – – – 17.1 – –

10 to under 25 ................................................... 2.2 2.3 – – 6.8 6.8 – –

25 to under 50 ................................................... 1.1 1.1 – – 5.2 5.2 – –

50 to under 75 ................................................... 1.8 1.8 – – 4.0 4.0 – –

75 to under 90 ................................................... 1.4 1.6 – – 3.4 3.4 – –

90 or greater ...................................................... 1.6 1.7 – – 5.3 5.4 – –

Establishment characteristic

Goods-producing industries ................................... 1.1 1.1 – – 5.0 5.0 – –

Construction ...................................................... – 1.6 – 0.7 7.8 7.8 – –

Manufacturing .................................................... 1.5 1.5 – – 6.3 6.3 – –

Service-providing industries .................................. 1.3 1.4 – – 3.1 3.1 – –

Trade, transportation, and utilities ..................... 1.4 1.4 – – 5.5 5.5 – –

Wholesale trade ............................................. 3.2 3.2 – – – 13.7 – –

Retail trade .................................................... 1.4 1.6 – – 7.4 7.4 – –

Transportation and warehousing ................... – 2.8 – 1.3 – 15.3 – –

Utilities ........................................................... – 3.6 – – 16.0 – – –

Information ......................................................... – 3.9 – 0.7 12.5 12.5 – –

Financial activities ............................................. 1.5 1.8 – – 5.3 5.1 – –

Finance and insurance .................................. 2.0 2.3 – – 6.0 5.6 – –

Credit intermediation and related activities 3.6 3.5 – – 7.9 7.9 – –

Insurance carriers and related activities .... 3.2 4.8 – – 11.1 10.1 – –

Real estate and rental and leasing ................ – 1.3 – – 11.6 – – –

Professional and business services .................. – 2.7 – 2.2 11.8 11.8 – –

Professional and technical services .............. – 3.4 – 2.4 8.5 8.3 – –

Administrative and waste services ................ – 3.0 – 1 ( ) 13.3 – – –

See footnotes at end of table.
Table 23. Standard errors for inpatient surgery benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2008—Continued

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... 4.7 4.7 – – 6.0 6.0 – –

Educational services ...................................... 5.3 5.3 – – 8.8 – – 0.1

Junior colleges, colleges, and universities 5.8 5.9 – – 2.6 2.5 – –

Health care and social assistance ................. 5.2 5.2 – – 7.5 7.5 – –

Leisure and hospitality ....................................... – 3.7 – 1 ( ) 14.9 14.9 – –

Accommodation and food services ................ – 3.8 – – – – – –

Other services ................................................... – 12.4 – – 12.9 – – –

1 to 99 workers ...................................................... 1.6 1.6 – – 4.4 4.3 – –

1 to 49 workers .................................................. 1.9 1.9 – – 5.7 5.6 – –

50 to 99 workers ................................................ – 1.8 – 1 ( ) 7.2 7.2 – –

100 workers or more .............................................. 1.3 1.4 – – 4.0 4.0 – –

100 to 499 workers ............................................ 1.3 1.4 – – 6.6 6.6 – –

500 workers or more .......................................... 2.4 2.6 – – 5.8 5.8 – –

Geographic area

New England ......................................................... – 5.4 – – 13.1 13.7 – –

Middle Atlantic ....................................................... 3.2 3.0 – – 3.5 3.4 – –

East North Central ................................................. 1.0 2.0 – – 4.6 4.6 – –

West North Central ................................................ – 0.6 – 0.5 – 12.2 – 1.9

South Atlantic ........................................................ 1.7 1.5 – – 6.0 6.0 – –

East South Central ................................................ – 1.0 – 2.1 7.9 – – –

West South Central ............................................... – 2.8 – 0.4 – 14.4 – –

Mountain ................................................................ – 1.8 – 0.8 9.8 9.8 – –

Pacific .................................................................... – 5.0 – 0.7 5.3 5.4 – –

1 Less than 0.05. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 24. Outpatient surgery benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2008

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

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. 14 84 – –

Worker characteristic

Management, professional, and related ................ 14 83 – –

Management, business, and financial ............... 11 83 – –

Professional and related .................................... 15 82 – –

Service ................................................................... 19 81 – –

Sales and office ..................................................... 12 85 – –

Sales and related ............................................... 13 86 – –

Office and administrative support ...................... 12 85 – –

Natural resources, construction, and maintenance 13 84 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. 10 88 – –

Installation, maintenance, and repair ................. 16 81 – –

Production, transportation, and material moving ... 12 86 – –

Production ......................................................... 15 83 – –

Transportation and material moving .................. 8 91 – –

Full time ................................................................. 13 84 – –

Part time ................................................................ 20 78 – –

Union ..................................................................... 20 79 – –

Nonunion ............................................................... 12 85 – –

Average wage within the following percentiles:2

Less than 10 ...................................................... – 96 – –

10 to under 25 ................................................... 13 86 – –

25 to under 50 ................................................... 11 87 – –

50 to under 75 ................................................... 14 83 – –

75 to under 90 ................................................... 14 83 – –

90 or greater ...................................................... 16 81 – –

Establishment characteristic

Goods-producing industries ................................... 12 85 – –

Construction ...................................................... 6 93 – –

Manufacturing .................................................... 15 82 – –

Service-providing industries .................................. 14 84 – –

Trade, transportation, and utilities ..................... 11 86 – –

Wholesale trade ............................................. 15 80 – –

Retail trade .................................................... 12 87 – –

Transportation and warehousing ................... – 93 – 3

Utilities ........................................................... – 87 – 1 ( )

Information ......................................................... 9 90 – –

Financial activities ............................................. 8 87 – –

Finance and insurance .................................. 8 87 – –

Credit intermediation and related activities 7 90 – –

Insurance carriers and related activities .... 10 81 – –

Real estate and rental and leasing ................ – 85 – 5

Professional and business services .................. – 88 – 5

Professional and technical services .............. – 91 – 7

Administrative and waste services ................ – 81 – 1 ( )

See footnotes at end of table.
Table 24. Outpatient surgery benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey,

2008—Continued

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

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... 23 76 – –

Educational services ...................................... 30 69 – –

Junior colleges, colleges, and universities 33 65 – –

Health care and social assistance ................. 22 78 – –

Leisure and hospitality ....................................... – 83 – 1 ( )

Accommodation and food services ................ – 85 – –

Other services ................................................... 34 66 – –

1 to 99 workers ...................................................... 14 85 – –

1 to 49 workers .................................................. 14 84 – –

50 to 99 workers ................................................ 12 87 – –

100 workers or more .............................................. 13 84 – –

100 to 499 workers ............................................ 10 87 – –

500 workers or more .......................................... 17 80 – –

Geographic area

New England ......................................................... 21 78 – –

Middle Atlantic ....................................................... 23 73 – –

East North Central ................................................. 9 85 – –

West North Central ................................................ – 93 – 1

South Atlantic ........................................................ 12 85 – –

East South Central ................................................ 12 86 – –

West South Central ............................................... – 92 – 1

Mountain ................................................................ 5 93 – –

Pacific .................................................................... 19 80 – –

See footnotes at end of table.
Table 24. Outpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2008—Continued

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

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. 8 90 – – 33 64 – –

Worker characteristic

Management, professional, and related ................ 8 88 – – 35 63 – –

Management, business, and financial ............... 5 89 – – 32 63 – –

Professional and related .................................... 9 88 – – 36 62 – –

Service ................................................................... 11 89 – – 48 51 – –

Sales and office ..................................................... 7 91 – – 31 66 – –

Sales and related ............................................... 5 95 – – 46 52 – –

Office and administrative support ...................... 8 89 – – 25 71 – –

Natural resources, construction, and maintenance 8 90 – – 29 68 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. – 90 – 2 – 83 – 1 ( )

Installation, maintenance, and repair ................. 8 90 – – 40 55 – –

Production, transportation, and material moving ... 8 91 – – 30 67 – –

Production ......................................................... 9 90 – – 39 57 – –

Transportation and material moving .................. 6 94 – – – 83 – –

Full time ................................................................. 8 90 – – 32 65 – –

Part time ................................................................ 9 89 – – 57 42 – –

Union ..................................................................... – 90 – 1 50 50 – –

Nonunion ............................................................... 8 90 – – 30 67 – –

Average wage within the following percentiles:2

Less than 10 ...................................................... – 98 – – – 82 – –

10 to under 25 ................................................... – 93 – 1 ( ) 38 61 – –

25 to under 50 ................................................... 6 92 – – 33 66 – –

50 to under 75 ................................................... 9 89 – – 29 67 – –

75 to under 90 ................................................... 8 88 – – 35 62 – –

90 or greater ...................................................... 9 88 – – 39 58 – –

Establishment characteristic

Goods-producing industries ................................... 8 89 – – 30 69 – –

Construction ...................................................... – 95 – 1 – 85 – –

Manufacturing .................................................... 10 87 – – 35 64 – –

Service-providing industries .................................. 8 90 – – 34 62 – –

Trade, transportation, and utilities ..................... 5 93 – – 35 58 – –

Wholesale trade ............................................. 10 90 – – 29 54 – –

Retail trade .................................................... 4 95 – – 47 52 – –

Transportation and warehousing ................... – 96 – 3 – 83 – –

Utilities ........................................................... – 94 – 1 () – – – –

Information ......................................................... – 97 – 1 45 55 – –

Financial activities ............................................. 5 90 – – 20 74 – –

Finance and insurance .................................. 6 89 – – 15 79 – –

Credit intermediation and related activities – 92 – 2 – 83 – 6

Insurance carriers and related activities .... 7 84 – – – 70 – 8

Real estate and rental and leasing ................ – 95 – 5 – 58 – 7

Professional and business services .................. – 93 – 5 – 67 – 3

Professional and technical services .............. – 92 – 7 – 85 – 8

Administrative and waste services ................ – 96 – 1 () – – – –

See footnotes at end of table.
Table 24. Outpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2008—Continued

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

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... 19 81 – – 36 63 – –

Educational services ...................................... – 83 – 1 54 45 – –

Junior colleges, colleges, and universities 25 73 – – 46 52 – –

Health care and social assistance ................. 19 81 – – 32 68 – –

Leisure and hospitality ....................................... – 94 – 1 ( ) – 57 – –

Accommodation and food services ................ – 96 – – – – – –

Other services ................................................... – 77 – – 55 – – –

1 to 99 workers ...................................................... 8 90 – – 32 66 – –

1 to 49 workers .................................................. 9 88 – – 29 69 – –

50 to 99 workers ................................................ – 93 – 1 41 58 – –

100 workers or more .............................................. 8 90 – – 34 62 – –

100 to 499 workers ............................................ 5 93 – – 30 65 – –

500 workers or more .......................................... 11 86 – – 40 59 – –

Geographic area

New England ......................................................... – 85 – 1 30 69 – –

Middle Atlantic ....................................................... 18 80 – – 37 53 – –

East North Central ................................................. 4 90 – – 36 60 – –

West North Central ................................................ – 96 – 1 – 65 – 4

South Atlantic ........................................................ 8 89 – – 29 69 – –

East South Central ................................................ – 92 – 2 66 – – 4

West South Central ............................................... – 95 – 1 – 68 – –

Mountain ................................................................ – 95 – 1 – 85 – –

Pacific .................................................................... – 89 – 1 35 65 – –

1 Less than 0.5 percent. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 24. Standard errors for outpatient surgery benefits: Extent of

coverage by type of plan, private industry workers, National

Compensation Survey, 2008

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. 0.9 0.9 – –

Worker characteristic

Management, professional, and related ................ 1.2 1.4 – –

Management, business, and financial ............... 1.2 1.6 – –

Professional and related .................................... 1.7 1.9 – –

Service ................................................................... 2.3 2.4 – –

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

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

Office and administrative support ...................... 1.5 1.5 – –

Natural resources, construction, and maintenance 1.9 1.9 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.8 3.0 – –

Installation, maintenance, and repair ................. 3.4 3.8 – –

Production, transportation, and material moving ... 1.5 1.6 – –

Production ......................................................... 2.1 2.2 – –

Transportation and material moving .................. 1.9 2.0 – –

Full time ................................................................. 0.9 0.9 – –

Part time ................................................................ 3.4 3.5 – –

Union ..................................................................... 3.3 3.3 – –

Nonunion ............................................................... 0.9 0.9 – –

Average wage within the following percentiles:2

Less than 10 ...................................................... – 1.7 – –

10 to under 25 ................................................... 2.5 2.6 – –

25 to under 50 ................................................... 1.0 1.0 – –

50 to under 75 ................................................... 1.5 1.6 – –

75 to under 90 ................................................... 1.3 1.4 – –

90 or greater ...................................................... 1.8 1.8 – –

Establishment characteristic

Goods-producing industries ................................... 1.4 1.6 – –

Construction ...................................................... 1.5 1.6 – –

Manufacturing .................................................... 1.9 2.3 – –

Service-providing industries .................................. 1.1 1.1 – –

Trade, transportation, and utilities ..................... 1.3 1.6 – –

Wholesale trade ............................................. 3.3 4.5 – –

Retail trade .................................................... 2.1 2.1 – –

Transportation and warehousing ................... – 2.0 – 1.1

Utilities ........................................................... – 5.2 – 1 ( )

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

Financial activities ............................................. 1.2 1.7 – –

Finance and insurance .................................. 1.3 1.9 – –

Credit intermediation and related activities 2.1 2.4 – –

Insurance carriers and related activities .... 2.2 4.2 – –

Real estate and rental and leasing ................ – 5.5 – 4.4

Professional and business services .................. – 3.5 – 1.7

Professional and technical services .............. – 3.3 – 2.7

Administrative and waste services ................ – 10.1 – 1 ( )

See footnotes at end of table.
Table 24. Standard errors for outpatient surgery benefits: Extent of

coverage by type of plan, private industry workers, National

Compensation Survey, 2008—Continued

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... 3.8 3.8 – –

Educational services ...................................... 6.0 6.0 – –

Junior colleges, colleges, and universities 5.8 5.7 – –

Health care and social assistance ................. 4.1 4.0 – –

Leisure and hospitality ....................................... – 5.3 – 1 ( )

Accommodation and food services ................ – 6.7 – –

Other services ................................................... 8.6 8.6 – –

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

1 to 49 workers .................................................. 1.9 1.9 – –

50 to 99 workers ................................................ 1.8 1.9 – –

100 workers or more .............................................. 1.1 1.3 – –

100 to 499 workers ............................................ 1.1 1.4 – –

500 workers or more .......................................... 2.2 2.3 – –

Geographic area

New England ......................................................... 3.0 3.0 – –

Middle Atlantic ....................................................... 2.4 2.6 – –

East North Central ................................................. 1.1 1.8 – –

West North Central ................................................ – 1.6 – 0.4

South Atlantic ........................................................ 1.9 1.5 – –

East South Central ................................................ 3.3 3.0 – –

West South Central ............................................... – 2.5 – 0.4

Mountain ................................................................ 1.3 1.6 – –

Pacific .................................................................... 3.4 3.4 – –

See footnotes at end of table.
Table 24. Standard errors for outpatient surgery benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2008—Continued

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. 1.0 1.0 – – 3.2 3.5 – –

Worker characteristic

Management, professional, and related ................ 1.3 1.6 – – 4.4 4.7 – –

Management, business, and financial ............... 0.9 1.7 – – 5.2 6.2 – –

Professional and related .................................... 1.9 2.0 – – 5.0 4.9 – –

Service ................................................................... 2.6 2.6 – – 7.8 8.2 – –

Sales and office ..................................................... 1.3 1.4 – – 4.0 4.3 – –

Sales and related ............................................... 1.3 1.2 – – 6.8 6.8 – –

Office and administrative support ...................... 1.7 1.8 – – 4.1 4.4 – –

Natural resources, construction, and maintenance 1.9 2.1 – – 5.5 6.1 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. – 3.3 – 1.0 – 5.5 – 1 ( )

Installation, maintenance, and repair ................. 2.2 2.7 – – 8.8 10.7 – –

Production, transportation, and material moving ... 1.3 1.4 – – 5.9 6.1 – –

Production ......................................................... 1.7 1.9 – – 6.4 6.1 – –

Transportation and material moving .................. 1.4 1.5 – – – 7.4 – –

Full time ................................................................. 1.0 1.0 – – 3.1 3.4 – –

Part time ................................................................ 2.3 2.6 – – 11.9 11.9 – –

Union ..................................................................... – 2.9 – 0.4 10.3 10.2 – –

Nonunion ............................................................... 1.0 1.0 – – 2.9 3.1 – –

Average wage within the following percentiles:2

Less than 10 ...................................................... – 1.5 – – – 10.5 – –

10 to under 25 ................................................... – 2.4 – 1 ( ) 9.1 9.1 – –

25 to under 50 ................................................... 0.9 0.9 – – 4.8 4.8 – –

50 to under 75 ................................................... 1.8 1.8 – – 5.0 5.2 – –

75 to under 90 ................................................... 1.4 1.7 – – 3.3 3.5 – –

90 or greater ...................................................... 1.6 1.8 – – 6.3 6.3 – –

Establishment characteristic

Goods-producing industries ................................... 1.2 1.5 – – 4.5 4.5 – –

Construction ...................................................... – 1.6 – 0.7 – 5.1 – –

Manufacturing .................................................... 1.7 2.0 – – 6.0 6.0 – –

Service-providing industries .................................. 1.2 1.3 – – 4.1 4.5 – –

Trade, transportation, and utilities ..................... 1.0 1.1 – – 4.4 5.5 – –

Wholesale trade ............................................. 3.0 3.0 – – 8.1 10.9 – –

Retail trade .................................................... 1.1 1.2 – – 7.1 7.1 – –

Transportation and warehousing ................... – 1.8 – 1.4 – 9.6 – –

Utilities ........................................................... – 2.8 – 1 () – – – –

Information ......................................................... – 1.1 – 0.7 11.1 11.1 – –

Financial activities ............................................. 0.8 1.8 – – 4.2 4.6 – –

Finance and insurance .................................. 1.0 1.9 – – 3.7 4.7 – –

Credit intermediation and related activities – 2.6 – 1.3 – 5.6 – 5.0

Insurance carriers and related activities .... 1.9 4.4 – – – 9.6 – 5.3

Real estate and rental and leasing ................ – 4.8 – 4.8 – 11.2 – 4.9

Professional and business services .................. – 2.2 – 2.0 – 12.5 – 3.4

Professional and technical services .............. – 3.0 – 2.9 – 10.4 – 7.7

Administrative and waste services ................ – 2.9 – 1 () – – – –

See footnotes at end of table.
Table 24. Standard errors for outpatient surgery benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2008—Continued

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... 4.5 4.5 – – 6.9 6.9 – –

Educational services ...................................... – 5.1 – 0.6 6.3 6.3 – –

Junior colleges, colleges, and universities 5.5 5.6 – – 6.4 6.2 – –

Health care and social assistance ................. 4.9 4.9 – – 8.0 8.0 – –

Leisure and hospitality ....................................... – 3.7 – 1 ( ) – 11.1 – –

Accommodation and food services ................ – 3.8 – – – – – –

Other services ................................................... – 12.4 – – 14.2 – – –

1 to 99 workers ...................................................... 1.2 1.3 – – 5.1 5.0 – –

1 to 49 workers .................................................. 1.3 1.5 – – 7.2 7.0 – –

50 to 99 workers ................................................ – 1.9 – 0.7 6.8 6.9 – –

100 workers or more .............................................. 1.3 1.4 – – 3.2 4.2 – –

100 to 499 workers ............................................ 1.0 1.2 – – 3.9 4.3 – –

500 workers or more .......................................... 2.5 2.6 – – 6.0 6.0 – –

Geographic area

New England ......................................................... – 5.4 – 0.5 4.1 4.0 – –

Middle Atlantic ....................................................... 3.9 3.2 – – 5.2 7.5 – –

East North Central ................................................. 1.0 1.9 – – 5.0 4.8 – –

West North Central ................................................ – 1.2 – 0.4 – 12.7 – 2.1

South Atlantic ........................................................ 1.4 1.7 – – 8.0 7.9 – –

East South Central ................................................ – 1.1 – 2.1 16.4 – – 4.8

West South Central ............................................... – 1.4 – 0.4 – 15.0 – –

Mountain ................................................................ – 1.9 – 0.9 – 7.0 – –

Pacific .................................................................... – 5.0 – 0.3 8.5 8.5 – –

1 Less than 0.05. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 25. Physician office visit benefits: Extent of coverage by type of

plan, private industry workers, National Compensation Survey, 2008

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

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. 3 97 – –

Worker characteristic

Management, professional, and related ................ 4 96 – –

Management, business, and financial ............... 2 98 – –

Professional and related .................................... 5 95 – –

Service ................................................................... – 97 – 1 ( )

Sales and office ..................................................... 2 98 – –

Sales and related ............................................... – 98 – 1 ( )

Office and administrative support ...................... 2 98 – –

Natural resources, construction, and maintenance – 98 – 1 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................. – 97 – 1 ( )

Installation, maintenance, and repair ................. – 99 – 1 ( )

Production, transportation, and material moving ... – 98 – 1

Production ......................................................... – 97 – 1 ( )

Transportation and material moving .................. – 98 – 1

Full time ................................................................. 2 97 – –

Part time ................................................................ – 94 – 1 ( )

Union ..................................................................... 4 96 – –

Nonunion ............................................................... 2 97 – –

Average wage within the following percentiles:2

Less than 10 ...................................................... – 100 – –

10 to under 25 ................................................... – 99 – 1 ( )

25 to under 50 ................................................... 2 98 – –

50 to under 75 ................................................... 3 97 – –

75 to under 90 ................................................... – 96 – 1

90 or greater ...................................................... 4 96 – –

Establishment characteristic

Goods-producing industries ................................... 3 96 – –

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

Manufacturing .................................................... 3 96 – –

Service-providing industries .................................. 2 97 – –

Trade, transportation, and utilities ..................... – 98 – 1

Wholesale trade ............................................. – 97 – –

Retail trade .................................................... – 99 – 1

Transportation and warehousing ................... – 98 – 1

Utilities ........................................................... – 96 – –

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

Financial activities ............................................. 2 98 – –

Finance and insurance .................................. 2 98 – –

Credit intermediation and related activities – 98 – –

Insurance carriers and related activities .... – 98 – 1 ( )

Real estate and rental and leasing ................ – 100 – –

Professional and business services .................. – 96 – –

Professional and technical services .............. – 95 – –

Administrative and waste services ................ – 96 – –

See footnotes at end of table.
Table 25. Physician office visit benefits: Extent of coverage by type of

plan, private industry workers, National Compensation Survey,

2008—Continued

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

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... 4 96 – –

Educational services ...................................... – 97 – 1 ( )

Junior colleges, colleges, and universities – 96 – 1

Health care and social assistance ................. 5 95 – –

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

Accommodation and food services ................ – 100 – –

Other services ................................................... – 100 – –

1 to 99 workers ...................................................... 4 96 – –

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

50 to 99 workers ................................................ – 96 – 1 ( )

100 workers or more .............................................. 2 98 – –

100 to 499 workers ............................................ 1 99 – –

500 workers or more .......................................... 2 97 – –

Geographic area

New England ......................................................... 3 96 – –

Middle Atlantic ....................................................... 7 92 – –

East North Central ................................................. – 98 – 1

West North Central ................................................ – 97 – 1

South Atlantic ........................................................ – 98 – 1 ( )

East South Central ................................................ – 99 – –

West South Central ............................................... – 99 – 1 ( )

Mountain ................................................................ – 94 – 1

Pacific .................................................................... – 99 – 1 ( )

See footnotes at end of table.
Table 25. Physician office visit benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2008—Continued

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

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. 3 97 – – – 98 – 1 ( )

Worker characteristic

Management, professional, and related ................ – 96 – 1 – 97 – 1 ( )

Management, business, and financial ............... – 98 – 1 – 97 – 1 ( )

Professional and related .................................... – 94 – 1 ( ) – 97 – 1 ( )

Service ................................................................... – 97 – 1 ( ) – 100 – 1 ( )

Sales and office ..................................................... 2 97 – – – 99 – 1 ( )

Sales and related ............................................... – 97 – 1 – 100 – –

Office and administrative support ...................... 2 97 – – – 99 – 1 ( )

Natural resources, construction, and maintenance – 99 – 1 ( ) – 94 – 1 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................. – 100 – – – 88 – 1 ( )

Installation, maintenance, and repair ................. – 99 – 1 ( ) – 99 – –

Production, transportation, and material moving ... – 97 – 1 – 99 – 1 ( )

Production ......................................................... – 97 – 1 – 98 – 1 ( )

Transportation and material moving .................. – 98 – 1 – 99 – –

Full time ................................................................. 2 97 – – – 98 – 1 ( )

Part time ................................................................ – 92 – 1 ( ) – 98 – 1 ( )

Union ..................................................................... – 95 – 1 – 98 – 1 ( )

Nonunion ............................................................... 2 97 – – – 98 – 1 ( )

Average wage within the following percentiles:2

Less than 10 ...................................................... – 99 – – – 100 – –

10 to under 25 ................................................... – 99 – 1 ( ) – 100 – –

25 to under 50 ................................................... 2 97 – – – 99 – 1 ( )

50 to under 75 ................................................... 3 97 – – – 98 – 1 ( )

75 to under 90 ................................................... – 96 – 1 – 98 – 1 ( )

90 or greater ...................................................... – 96 – 1 ( ) – 95 – 1 ( )

Establishment characteristic

Goods-producing industries ................................... – 97 – 1 – 94 – 1

Construction ...................................................... – 99 – – – 85 – –

Manufacturing .................................................... – 96 – 1 – 96 – 1

Service-providing industries .................................. 3 97 – – – 99 – 1 ( )

Trade, transportation, and utilities ..................... – 98 – 1 – 99 – –

Wholesale trade ............................................. – 96 – – – 100 – –

Retail trade .................................................... – 99 – 1 – 100 – –

Transportation and warehousing ................... – 99 – 1 – 97 – –

Utilities ........................................................... – 95 – – – 100 – –

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

Financial activities ............................................. 2 98 – – – 99 – –

Finance and insurance .................................. 3 97 – – – 99 – –

Credit intermediation and related activities – 97 – – – 99 – –

Insurance carriers and related activities .... – 97 – 1 ( ) – 100 – –

Real estate and rental and leasing ................ – 100 – – – 100 – –

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

Professional and technical services .............. – 94 – – – 100 – –

Administrative and waste services ................ – 95 – – – 100 – –

See footnotes at end of table.
Table 25. Physician office visit benefits: Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2008—Continued

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

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... – 95 – 1 ( ) – 97 – 1 ( )

Educational services ...................................... – 98 – 1 ( ) – 96 – 1 ( )

Junior colleges, colleges, and universities – 97 – 1 4 95 – –

Health care and social assistance ................. – 95 – 1 ( ) – 98 – –

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

Accommodation and food services ................ – 100 – – – 100 – –

Other services ................................................... – 100 – – – 100 – –

1 to 99 workers ...................................................... – 95 – 1 ( ) – 98 – –

1 to 49 workers .................................................. – 95 – 1 – 98 – –

50 to 99 workers ................................................ – 95 – 1 ( ) – 99 – –

100 workers or more .............................................. 1 98 – – – 97 – 1 ( )

100 to 499 workers ............................................ 1 99 – – – 98 – –

500 workers or more .......................................... 2 98 – – – 97 – 1

Geographic area

New England ......................................................... – 96 – 1 – 97 – 1 ( )

Middle Atlantic ....................................................... – 91 – 1 ( ) – 95 – –

East North Central ................................................. – 98 – 1 – 100 – –

West North Central ................................................ – 98 – 1 – 90 – 6

South Atlantic ........................................................ – 98 – 1 ( ) – 98 – –

East South Central ................................................ – 99 – – – 99 – –

West South Central ............................................... – 99 – 1 ( ) – 100 – –

Mountain ................................................................ – 93 – 1 – 100 – –

Pacific .................................................................... – 99 – 1 ( ) – 99 – –

1 Less than 0.5 percent. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 25. Standard errors for physician office visit benefits: Extent of

coverage by type of plan, private industry workers, National

Compensation Survey, 2008

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. 0.4 0.4 – –

Worker characteristic

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

Management, business, and financial ............... 0.5 0.6 – –

Professional and related .................................... 1.4 1.4 – –

Service ................................................................... – 0.9 – 1 ( )

Sales and office ..................................................... 0.5 0.5 – –

Sales and related ............................................... – 0.9 – 1 ( )

Office and administrative support ...................... 0.5 0.5 – –

Natural resources, construction, and maintenance – 0.9 – 1 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................. – 1.6 – 1 ( )

Installation, maintenance, and repair ................. – 0.6 – 1 ( )

Production, transportation, and material moving ... – 0.7 – 0.2

Production ......................................................... – 1.0 – 1 ( )

Transportation and material moving .................. – 0.7 – 0.3

Full time ................................................................. 0.3 0.4 – –

Part time ................................................................ – 3.7 – 1 ( )

Union ..................................................................... 0.7 0.7 – –

Nonunion ............................................................... 0.4 0.4 – –

Average wage within the following percentiles:2

Less than 10 ...................................................... – 0.4 – –

10 to under 25 ................................................... – 0.4 – 1 ( )

25 to under 50 ................................................... 0.5 0.5 – –

50 to under 75 ................................................... 0.4 0.5 – –

75 to under 90 ................................................... – 1.2 – 0.2

90 or greater ...................................................... 1.1 1.1 – –

Establishment characteristic

Goods-producing industries ................................... 0.7 0.7 – –

Construction ...................................................... – 1.6 – –

Manufacturing .................................................... 0.7 0.8 – –

Service-providing industries .................................. 0.5 0.6 – –

Trade, transportation, and utilities ..................... – 0.6 – 0.2

Wholesale trade ............................................. – 1.9 – –

Retail trade .................................................... – 0.4 – 0.4

Transportation and warehousing ................... – 0.6 – 0.3

Utilities ........................................................... – 2.5 – –

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

Financial activities ............................................. 0.5 0.5 – –

Finance and insurance .................................. 0.6 0.6 – –

Credit intermediation and related activities – 1.0 – –

Insurance carriers and related activities .... – 0.8 – 1 ( )

Real estate and rental and leasing ................ – 0.0 – –

Professional and business services .................. – 1.7 – –

Professional and technical services .............. – 2.4 – –

Administrative and waste services ................ – 3.7 – –

See footnotes at end of table.
Table 25. Standard errors for physician office visit benefits: Extent of

coverage by type of plan, private industry workers, National

Compensation Survey, 2008—Continued

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

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

Educational services ...................................... – 0.9 – 1 ( )

Junior colleges, colleges, and universities – 1.3 – 0.6

Health care and social assistance ................. 1.2 1.2 – –

Leisure and hospitality ....................................... – 0.0 – –

Accommodation and food services ................ – 0.0 – –

Other services ................................................... – 0.0 – –

1 to 99 workers ...................................................... 1.1 1.1 – –

1 to 49 workers .................................................. 0.9 1.0 – –

50 to 99 workers ................................................ – 2.2 – 1 ( )

100 workers or more .............................................. 0.3 0.3 – –

100 to 499 workers ............................................ 0.4 0.4 – –

500 workers or more .......................................... 0.5 0.5 – –

Geographic area

New England ......................................................... 0.5 0.9 – –

Middle Atlantic ....................................................... 1.9 2.0 – –

East North Central ................................................. – 0.6 – 0.3

West North Central ................................................ – 0.8 – 0.4

South Atlantic ........................................................ – 0.7 – 1 ( )

East South Central ................................................ – 0.7 – –

West South Central ............................................... – 0.4 – 1 ( )

Mountain ................................................................ – 2.8 – 0.7

Pacific .................................................................... – 0.4 – 1 ( )

See footnotes at end of table.
Table 25. Standard errors for physician office visit benefits: Extent of coverage by type of plan, private

industry workers, National Compensation Survey, 2008—Continued

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. 0.6 0.6 – – – 0.7 – 1 ( )

Worker characteristic

Management, professional, and related ................ – 1.3 – 0.2 – 1.2 – 1 ( )

Management, business, and financial ............... – 0.6 – 0.3 – 1.6 – 1 ( )

Professional and related .................................... – 2.0 – 1 ( ) – 1.7 – 1 ( )

Service ................................................................... – 1.0 – 1 ( ) – 0.3 – 1 ( )

Sales and office ..................................................... 0.6 0.7 – – – 0.6 – 1 ( )

Sales and related ............................................... – 1.2 – 0.3 – 0.0 – –

Office and administrative support ...................... 0.5 0.6 – – – 0.8 – 1 ( )

Natural resources, construction, and maintenance – 0.4 – 1 ( ) – 3.1 – 1 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................. – 0.0 – – – 6.4 – 1 ( )

Installation, maintenance, and repair ................. – 0.7 – 1 ( ) – 0.8 – –

Production, transportation, and material moving ... – 0.8 – 0.2 – 1.1 – 1 ( )

Production ......................................................... – 1.1 – 0.2 – 1.8 – 1 ( )

Transportation and material moving .................. – 0.8 – 0.4 – 0.7 – –

Full time ................................................................. 0.4 0.5 – – – 0.7 – 1 ( )

Part time ................................................................ – 4.8 – 1 ( ) – 1.8 – 1 ( )

Union ..................................................................... – 1.4 – 0.1 – 1.5 – 1 ( )

Nonunion ............................................................... 0.5 0.6 – – – 0.6 – 1 ( )

Average wage within the following percentiles:2

Less than 10 ...................................................... – 0.4 – – – 0.0 – –

10 to under 25 ................................................... – 0.6 – 1 ( ) – 0.0 – –

25 to under 50 ................................................... 0.6 0.6 – – – 1.0 – 1 ( )

50 to under 75 ................................................... 0.7 0.7 – – – 0.9 – 1 ( )

75 to under 90 ................................................... – 1.4 – 0.2 – 0.7 – 1 ( )

90 or greater ...................................................... – 1.4 – 1 ( ) – 2.4 – 1 ( )

Establishment characteristic

Goods-producing industries ................................... – 0.8 – 0.3 – 2.4 – 0.3

Construction ...................................................... – 0.8 – – – 7.6 – –

Manufacturing .................................................... – 1.0 – 0.4 – 2.1 – 0.4

Service-providing industries .................................. 0.8 0.8 – – – 0.4 – 1 ( )

Trade, transportation, and utilities ..................... – 0.8 – 0.3 – 0.6 – –

Wholesale trade ............................................. – 2.5 – – – 0.0 – –

Retail trade .................................................... – 0.5 – 0.5 – 0.0 – –

Transportation and warehousing ................... – 0.3 – 0.3 – 3.5 – –

Utilities ........................................................... – 3.0 – – – 0.0 – –

Information ......................................................... – 0.1 – – – 0.0 – –

Financial activities ............................................. 0.6 0.6 – – – 0.4 – –

Finance and insurance .................................. 0.7 0.8 – – – 0.6 – –

Credit intermediation and related activities – 1.3 – – – 0.5 – –

Insurance carriers and related activities .... – 1.1 – 1 ( ) – 0.1 – –

Real estate and rental and leasing ................ – 0.0 – – – 0.0 – –

Professional and business services .................. – 2.1 – – – 0.0 – –

Professional and technical services .............. – 2.9 – – – 0.0 – –

Administrative and waste services ................ – 4.5 – – – 0.0 – –

See footnotes at end of table.
Table 25. Standard errors for physician office visit benefits: Extent of coverage by type of plan, private

industry workers, National Compensation Survey, 2008—Continued

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... – 1.7 – 1 ( ) – 1.4 – 1 ( )

Educational services ...................................... – 1.0 – 1 ( ) – 1.3 – 1 ( )

Junior colleges, colleges, and universities – 1.6 – 0.8 0.8 0.8 – –

Health care and social assistance ................. – 1.9 – 1 ( ) – 1.8 – –

Leisure and hospitality ....................................... – 0.0 – – – 0.0 – –

Accommodation and food services ................ – 0.0 – – – 0.0 – –

Other services ................................................... – 0.0 – – – 0.0 – –

1 to 99 workers ...................................................... – 1.5 – 1 ( ) – 0.8 – –

1 to 49 workers .................................................. – 1.4 – 0.2 – 0.9 – –

50 to 99 workers ................................................ – 2.6 – 1 ( ) – 1.4 – –

100 workers or more .............................................. 0.3 0.3 – – – 0.9 – 1 ( )

100 to 499 workers ............................................ 0.3 0.3 – – – 1.3 – –

500 workers or more .......................................... 0.5 0.5 – – – 1.2 – 0.3

Geographic area

New England ......................................................... – 2.6 – 0.6 – 2.0 – 1 ( )

Middle Atlantic ....................................................... – 3.2 – 1 ( ) – 2.9 – –

East North Central ................................................. – 0.7 – 0.4 – 0.1 – –

West North Central ................................................ – 0.8 – 0.2 – 5.1 – 2.3

South Atlantic ........................................................ – 0.9 – 1 ( ) – 1.4 – –

East South Central ................................................ – 0.7 – – – 0.7 – –

West South Central ............................................... – 0.5 – 1 ( ) – 0.0 – –

Mountain ................................................................ – 3.2 – 0.9 – 0.0 – –

Pacific .................................................................... – 0.5 – 1 ( ) – 0.7 – –

1 Less than 0.05. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 26. Mental health care and substance abuse treatment benefits: Coverage for selected services,

private industry workers, National Compensation Survey, 2008

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

Characteristic

Inpatient

mental

health care

Outpatient

mental

health care

Inpatient

alcohol

detoxification1

Inpatient

alcohol

rehabilitation2

Outpatient

alcohol

rehabilitation2

Inpatient drug

detoxification1

All workers ............................................................. 99 85 98 78 79 98

Worker characteristic

Management, professional, and related ................ 99 85 99 79 80 99

Management, business, and financial ............... 99 85 99 79 81 98

Professional and related .................................... 99 86 99 79 80 99

Service ................................................................... 98 83 97 79 77 97

Sales and office ..................................................... 98 81 98 76 77 98

Sales and related ............................................... 99 79 98 75 74 98

Office and administrative support ...................... 98 82 98 77 78 98

Natural resources, construction, and maintenance 100 90 99 81 84 99

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 91 98 78 82 98

Installation, maintenance, and repair ................. 99 89 100 84 86 100

Production, transportation, and material moving ... 99 86 98 76 80 97

Production ......................................................... 99 83 97 74 77 97

Transportation and material moving .................. 99 90 98 79 84 98

Full time ................................................................. 99 85 98 79 80 98

Part time ................................................................ 95 74 94 67 69 94

Union ..................................................................... 99 90 97 82 82 97

Nonunion ............................................................... 99 84 98 77 79 98

Average wage within the following percentiles:3

Less than 10 ...................................................... 96 76 96 72 71 96

10 to under 25 ................................................... 97 77 93 72 69 93

25 to under 50 ................................................... 99 83 98 77 78 98

50 to under 75 ................................................... 99 87 99 79 82 99

75 to under 90 ................................................... 99 88 99 82 83 99

90 or greater ...................................................... 99 84 99 76 78 99

Establishment characteristic

Goods-producing industries ................................... 99 88 98 77 80 97

Construction ...................................................... 99 93 99 80 85 99

Manufacturing .................................................... 99 85 98 76 78 97

Service-providing industries .................................. 99 84 98 78 79 98

Trade, transportation, and utilities ..................... 99 80 98 75 76 98

Wholesale trade ............................................. 100 80 100 78 77 100

Retail trade .................................................... 98 77 97 73 72 96

Transportation and warehousing ................... 100 86 100 78 86 100

Utilities ........................................................... 96 82 96 65 67 94

Information ......................................................... 99 92 100 89 85 100

Financial activities ............................................. 99 76 100 74 75 99

Finance and insurance .................................. 100 77 100 73 73 99

Credit intermediation and related activities 100 75 100 70 71 100

Insurance carriers and related activities .... 100 77 100 73 73 100

Real estate and rental and leasing ................ 97 76 100 77 80 100

Professional and business services .................. 98 79 97 77 76 97

Professional and technical services .............. 100 79 99 78 78 99

Administrative and waste services ................ 95 70 90 69 65 90

See footnotes at end of table.
Table 26. Mental health care and substance abuse treatment benefits: Coverage for selected services,

private industry workers, National Compensation Survey, 2008—Continued

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

Characteristic

Inpatient

mental

health care

Outpatient

mental

health care

Inpatient

alcohol

detoxification1

Inpatient

alcohol

rehabilitation2

Outpatient

alcohol

rehabilitation2

Inpatient drug

detoxification1

Establishment characteristic

Education and health services ........................... 100 91 100 83 84 100

Educational services ...................................... 100 88 100 80 83 100

Junior colleges, colleges, and universities 99 91 99 80 84 99

Health care and social assistance ................. 99 91 100 84 84 100

Leisure and hospitality ....................................... 97 94 100 87 88 100

Accommodation and food services ................ 99 97 100 95 95 100

Other services ................................................... 94 93 94 70 89 94

1 to 99 workers ...................................................... 99 84 98 76 79 98

1 to 49 workers .................................................. 99 85 99 77 81 99

50 to 99 workers ................................................ 99 84 97 75 76 97

100 workers or more .............................................. 98 85 98 79 79 98

100 to 499 workers ............................................ 99 85 99 79 80 98

500 workers or more .......................................... 98 84 98 79 78 98

Geographic area

New England ......................................................... 100 87 100 84 83 100

Middle Atlantic ....................................................... 98 86 98 80 85 98

East North Central ................................................. 99 81 99 78 78 98

West North Central ................................................ 99 83 99 81 81 99

South Atlantic ........................................................ 99 82 99 78 79 99

East South Central ................................................ 99 89 99 83 84 99

West South Central ............................................... 99 84 95 73 73 95

Mountain ................................................................ 96 83 97 75 75 97

Pacific .................................................................... 99 88 99 75 79 98

See footnotes at end of table.
Table 26. Mental health care and substance abuse treatment

benefits: Coverage for selected services, private industry

workers, National Compensation Survey, 2008—Continued

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

Characteristic Inpatient drug

rehabilitation2

Outpatient

drug

rehabilitation2

All workers ............................................................. 78 79

Worker characteristic

Management, professional, and related ................ 79 80

Management, business, and financial ............... 79 81

Professional and related .................................... 79 80

Service ................................................................... 79 77

Sales and office ..................................................... 76 77

Sales and related ............................................... 75 74

Office and administrative support ...................... 77 78

Natural resources, construction, and maintenance 81 83

Construction, extraction, farming, fishing, and

forestry ............................................................. 78 81

Installation, maintenance, and repair ................. 84 85

Production, transportation, and material moving ... 76 79

Production ......................................................... 74 76

Transportation and material moving .................. 79 84

Full time ................................................................. 79 80

Part time ................................................................ 67 69

Union ..................................................................... 82 82

Nonunion ............................................................... 77 79

Average wage within the following percentiles:3

Less than 10 ...................................................... 72 71

10 to under 25 ................................................... 72 69

25 to under 50 ................................................... 77 78

50 to under 75 ................................................... 79 82

75 to under 90 ................................................... 82 83

90 or greater ...................................................... 76 77

Establishment characteristic

Goods-producing industries ................................... 77 80

Construction ...................................................... 80 85

Manufacturing .................................................... 76 78

Service-providing industries .................................. 78 79

Trade, transportation, and utilities ..................... 75 76

Wholesale trade ............................................. 77 76

Retail trade .................................................... 73 72

Transportation and warehousing ................... 78 86

Utilities ........................................................... 64 67

Information ......................................................... 89 85

Financial activities ............................................. 74 75

Finance and insurance .................................. 73 73

Credit intermediation and related activities 70 71

Insurance carriers and related activities .... 73 73

Real estate and rental and leasing ................ 77 80

Professional and business services .................. 77 76

Professional and technical services .............. 78 78

Administrative and waste services ................ 69 65

See footnotes at end of table.
Table 26. Mental health care and substance abuse treatment

benefits: Coverage for selected services, private industry

workers, National Compensation Survey, 2008—Continued

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

Characteristic Inpatient drug

rehabilitation2

Outpatient

drug

rehabilitation2

Establishment characteristic

Education and health services ........................... 83 84

Educational services ...................................... 80 84

Junior colleges, colleges, and universities 80 84

Health care and social assistance ................. 84 84

Leisure and hospitality ....................................... 87 88

Accommodation and food services ................ 95 95

Other services ................................................... 70 89

1 to 99 workers ...................................................... 76 79

1 to 49 workers .................................................. 77 81

50 to 99 workers ................................................ 75 76

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

100 to 499 workers ............................................ 79 80

500 workers or more .......................................... 79 78

Geographic area

New England ......................................................... 84 83

Middle Atlantic ....................................................... 80 85

East North Central ................................................. 78 78

West North Central ................................................ 81 81

South Atlantic ........................................................ 78 79

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

West South Central ............................................... 73 73

Mountain ................................................................ 75 75

Pacific .................................................................... 75 79

1 Detoxification is the systematic use of

medication and other methods under

medical supervision to reduce or eliminate

the effects of substance abuse. 2 Rehabilitation is designed to alter

abusive behavior in patients once they are

free of acute physical and mental

complications. 3 The percentile groupings are based on

the average wage for each occupation

surveyed, which may include workers both

above and below the threshold. The

percentile values are based on the

estimates published in the "National

Compensation Survey: Occupational

Earnings in the United States, 2007." See

Technical Note for more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 26. Standard errors for mental health care and substance abuse treatment benefits: Coverage for

selected services, private industry workers, National Compensation Survey, 2008

Characteristic

Inpatient

mental

health care

Outpatient

mental

health care

Inpatient

alcohol

detoxification1

Inpatient

alcohol

rehabilitation2

Outpatient

alcohol

rehabilitation2

Inpatient drug

detoxification1

All workers ............................................................. 0.3 0.9 0.4 1.2 1.1 0.4

Worker characteristic

Management, professional, and related ................ 0.4 1.7 0.4 1.9 1.9 0.5

Management, business, and financial ............... 0.8 1.5 0.8 1.8 1.6 1.0

Professional and related .................................... 0.4 2.5 0.4 2.8 2.8 0.4

Service ................................................................... 0.8 3.1 2.2 3.9 3.9 2.2

Sales and office ..................................................... 0.7 1.7 0.8 1.8 1.8 0.7

Sales and related ............................................... 0.2 2.4 0.6 2.4 2.5 0.6

Office and administrative support ...................... 1.0 2.2 1.0 2.2 2.1 1.0

Natural resources, construction, and maintenance 0.1 2.1 0.8 2.9 3.1 0.8

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.0 3.3 1.6 5.1 5.5 1.6

Installation, maintenance, and repair ................. 0.3 2.4 0.2 3.1 2.8 0.2

Production, transportation, and material moving ... 0.3 1.8 0.8 2.6 2.2 0.8

Production ......................................................... 0.4 2.6 1.0 3.3 3.0 1.1

Transportation and material moving .................. 0.4 2.0 1.0 3.9 2.8 1.1

Full time ................................................................. 0.3 1.0 0.4 1.2 1.1 0.4

Part time ................................................................ 3.0 6.1 3.0 6.2 5.9 3.0

Union ..................................................................... 0.6 1.8 1.6 2.7 2.6 1.6

Nonunion ............................................................... 0.3 1.1 0.4 1.4 1.3 0.4

Average wage within the following percentiles:3

Less than 10 ...................................................... 4.8 7.1 5.0 7.4 7.5 5.0

10 to under 25 ................................................... 1.7 4.7 3.0 5.3 4.9 3.0

25 to under 50 ................................................... 0.3 1.6 0.5 1.8 1.9 0.5

50 to under 75 ................................................... 0.4 1.2 0.3 1.6 1.3 0.3

75 to under 90 ................................................... 0.2 1.1 0.3 1.4 1.2 0.4

90 or greater ...................................................... 0.7 2.5 0.7 3.0 3.1 0.7

Establishment characteristic

Goods-producing industries ................................... 0.3 1.8 0.7 2.2 2.3 0.8

Construction ...................................................... 0.4 1.8 0.4 4.3 4.4 0.4

Manufacturing .................................................... 0.4 2.4 0.8 2.9 2.8 0.9

Service-providing industries .................................. 0.4 1.1 0.5 1.5 1.3 0.5

Trade, transportation, and utilities ..................... 0.2 2.0 0.4 2.3 2.2 0.4

Wholesale trade ............................................. 0.1 3.5 0.1 3.4 3.7 0.1

Retail trade .................................................... 0.3 3.0 0.8 2.9 2.9 0.8

Transportation and warehousing ................... 0.1 4.1 0.1 6.1 4.1 0.1

Utilities ........................................................... 2.1 10.2 2.1 10.0 9.6 2.7

Information ......................................................... 1.4 2.6 0.0 3.6 4.5 0.0

Financial activities ............................................. 0.6 2.3 0.1 2.5 2.6 0.4

Finance and insurance .................................. 0.1 2.1 0.0 2.3 2.4 0.4

Credit intermediation and related activities 0.2 3.4 0.0 3.7 3.7 0.1

Insurance carriers and related activities .... 0.0 5.0 0.0 5.2 5.7 0.0

Real estate and rental and leasing ................ 2.6 8.0 0.5 7.8 7.8 0.5

Professional and business services .................. 1.2 4.2 1.8 4.7 4.4 1.8

Professional and technical services .............. 0.2 6.5 0.5 6.5 6.5 0.5

Administrative and waste services ................ 3.5 7.9 5.3 8.8 8.3 5.3

See footnotes at end of table.
Table 26. Standard errors for mental health care and substance abuse treatment benefits: Coverage for

selected services, private industry workers, National Compensation Survey, 2008—Continued

Characteristic

Inpatient

mental

health care

Outpatient

mental

health care

Inpatient

alcohol

detoxification1

Inpatient

alcohol

rehabilitation2

Outpatient

alcohol

rehabilitation2

Inpatient drug

detoxification1

Establishment characteristic

Education and health services ........................... 0.2 1.9 0.1 2.7 2.6 0.2

Educational services ...................................... 0.2 3.8 0.2 4.5 4.2 0.2

Junior colleges, colleges, and universities 0.4 2.1 0.4 3.1 3.2 0.4

Health care and social assistance ................. 0.2 2.2 0.1 3.2 3.1 0.2

Leisure and hospitality ....................................... 1.9 3.3 0.4 4.5 4.2 0.4

Accommodation and food services ................ 1.1 1.9 0.0 2.6 2.6 0.0

Other services ................................................... 5.6 5.7 5.6 8.7 6.1 5.6

1 to 99 workers ...................................................... 0.5 1.5 0.7 2.0 1.9 0.7

1 to 49 workers .................................................. 0.5 1.9 0.6 2.5 2.2 0.6

50 to 99 workers ................................................ 0.6 2.6 1.8 3.4 3.4 1.8

100 workers or more .............................................. 0.4 1.5 0.5 1.7 1.5 0.5

100 to 499 workers ............................................ 0.4 1.9 0.4 2.2 2.1 0.5

500 workers or more .......................................... 0.7 2.4 0.8 2.5 2.2 0.8

Geographic area

New England ......................................................... 0.0 3.8 0.0 4.3 4.4 0.0

Middle Atlantic ....................................................... 1.6 1.8 1.1 2.5 1.9 1.3

East North Central ................................................. 0.2 2.2 0.6 3.2 2.9 0.6

West North Central ................................................ 0.4 3.6 0.2 3.1 3.4 0.2

South Atlantic ........................................................ 0.3 2.9 0.6 3.3 2.9 0.5

East South Central ................................................ 0.6 4.7 1.2 5.6 5.4 1.2

West South Central ............................................... 0.7 3.2 2.6 3.3 3.6 2.7

Mountain ................................................................ 2.7 4.1 2.6 6.6 6.0 2.6

Pacific .................................................................... 0.3 1.3 0.3 2.9 2.0 0.4

See footnotes at end of table.
Table 26. Standard errors for mental health care and

substance abuse treatment benefits: Coverage for selected

services, private industry workers, National Compensation

Survey, 2008—Continued

Characteristic Inpatient drug

rehabilitation2

Outpatient

drug

rehabilitation2

All workers ............................................................. 1.3 1.1

Worker characteristic

Management, professional, and related ................ 1.9 1.9

Management, business, and financial ............... 1.8 1.6

Professional and related .................................... 2.8 2.8

Service ................................................................... 3.9 3.9

Sales and office ..................................................... 1.8 1.8

Sales and related ............................................... 2.4 2.5

Office and administrative support ...................... 2.2 2.1

Natural resources, construction, and maintenance 2.9 3.1

Construction, extraction, farming, fishing, and

forestry ............................................................. 5.1 5.6

Installation, maintenance, and repair ................. 3.1 2.8

Production, transportation, and material moving ... 2.6 2.2

Production ......................................................... 3.3 3.0

Transportation and material moving .................. 3.9 2.8

Full time ................................................................. 1.2 1.1

Part time ................................................................ 6.2 5.9

Union ..................................................................... 2.7 2.6

Nonunion ............................................................... 1.4 1.3

Average wage within the following percentiles:3

Less than 10 ...................................................... 7.4 7.5

10 to under 25 ................................................... 5.3 4.9

25 to under 50 ................................................... 1.8 1.9

50 to under 75 ................................................... 1.6 1.3

75 to under 90 ................................................... 1.4 1.2

90 or greater ...................................................... 3.0 3.1

Establishment characteristic

Goods-producing industries ................................... 2.2 2.3

Construction ...................................................... 4.3 4.4

Manufacturing .................................................... 2.9 2.9

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

Trade, transportation, and utilities ..................... 2.3 2.2

Wholesale trade ............................................. 3.4 3.7

Retail trade .................................................... 2.9 2.9

Transportation and warehousing ................... 6.1 4.1

Utilities ........................................................... 9.7 9.6

Information ......................................................... 3.6 4.5

Financial activities ............................................. 2.5 2.6

Finance and insurance .................................. 2.3 2.4

Credit intermediation and related activities 3.7 3.7

Insurance carriers and related activities .... 5.2 5.7

Real estate and rental and leasing ................ 7.8 7.8

Professional and business services .................. 4.7 4.4

Professional and technical services .............. 6.5 6.5

Administrative and waste services ................ 8.8 8.3

See footnotes at end of table.
Table 26. Standard errors for mental health care and

substance abuse treatment benefits: Coverage for selected

services, private industry workers, National Compensation

Survey, 2008—Continued

Characteristic Inpatient drug

rehabilitation2

Outpatient

drug

rehabilitation2

Establishment characteristic

Education and health services ........................... 2.7 2.6

Educational services ...................................... 4.4 4.0

Junior colleges, colleges, and universities 3.1 3.0

Health care and social assistance ................. 3.2 3.1

Leisure and hospitality ....................................... 4.5 4.2

Accommodation and food services ................ 2.6 2.6

Other services ................................................... 8.7 6.1

1 to 99 workers ...................................................... 2.0 1.9

1 to 49 workers .................................................. 2.6 2.2

50 to 99 workers ................................................ 3.4 3.4

100 workers or more .............................................. 1.7 1.5

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

500 workers or more .......................................... 2.5 2.2

Geographic area

New England ......................................................... 4.3 4.4

Middle Atlantic ....................................................... 2.6 2.0

East North Central ................................................. 3.2 2.9

West North Central ................................................ 3.1 3.4

South Atlantic ........................................................ 3.3 2.9

East South Central ................................................ 5.6 5.0

West South Central ............................................... 3.3 3.6

Mountain ................................................................ 6.7 6.0

Pacific .................................................................... 2.9 2.0

1 Detoxification is the systematic use of

medication and other methods under

medical supervision to reduce or eliminate

the effects of substance abuse. 2 Rehabilitation is designed to alter

abusive behavior in patients once they are

free of acute physical and mental

complications. 3 The percentile groupings are based on

the average wage for each occupation

surveyed, which may include workers both

above and below the threshold. The

percentile values are based on the

estimates published in the "National

Compensation Survey: Occupational

Earnings in the United States, 2007." See

Technical Note for more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 27. Inpatient mental health care benefits: Extent of coverage by type

of plan, private industry workers, National Compensation Survey, 2008

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

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. 3 96 1 1 ( )

Worker characteristic

Management, professional, and related ................ 2 97 – –

Management, business, and financial ............... 1 97 – –

Professional and related .................................... – 96 – 1 ( )

Service ................................................................... – 92 – 1 ( )

Sales and office ..................................................... – 95 – 1 ( )

Sales and related ............................................... – 96 1 –

Office and administrative support ...................... – 95 – 1 ( )

Natural resources, construction, and maintenance – 97 – 1 ( )

Construction, extraction, farming, fishing, and

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

Installation, maintenance, and repair ................. – 95 – 1 ( )

Production, transportation, and material moving ... – 97 1 –

Production ......................................................... – 97 – 1 ( )

Transportation and material moving .................. – 98 – 1 ( )

Full time ................................................................. 2 97 1 1 ( )

Part time ................................................................ – 88 – 1

Union ..................................................................... – 97 – 1 ( )

Nonunion ............................................................... 3 96 1 1 ( )

Average wage within the following percentiles:2

Less than 10 ...................................................... – 96 – –

10 to under 25 ................................................... – 91 – 1 ( )

25 to under 50 ................................................... – 95 1 –

50 to under 75 ................................................... – 97 1 () –

75 to under 90 ................................................... 2 97 – –

90 or greater ...................................................... 2 96 – –

Establishment characteristic

Goods-producing industries ................................... – 97 – 1 ( )

Construction ...................................................... – 99 – –

Manufacturing .................................................... – 97 – 1 ( )

Service-providing industries .................................. 3 96 1 1 ( )

Trade, transportation, and utilities ..................... 2 96 1 1 ( )

Wholesale trade ............................................. – 99 – –

Retail trade .................................................... – 94 2 –

Transportation and warehousing ................... – 99 – –

Utilities ........................................................... – 85 – –

Information ......................................................... – 97 – –

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

Finance and insurance .................................. – 98 – –

Credit intermediation and related activities – 98 – –

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

Real estate and rental and leasing ................ – 97 – –

Professional and business services .................. – 98 – –

Professional and technical services .............. – 100 – –

Administrative and waste services ................ – 95 – –

See footnotes at end of table.
Table 27. Inpatient mental health care benefits: Extent of coverage by type

of plan, private industry workers, National Compensation Survey,

2008—Continued

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

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... – 92 – 1 ( )

Educational services ...................................... – 93 – –

Junior colleges, colleges, and universities 3 96 – –

Health care and social assistance ................. – 91 – 1 ( )

Leisure and hospitality ....................................... – 94 – 2

Accommodation and food services ................ – 99 – –

Other services ................................................... – 90 – 6

1 to 99 workers ...................................................... – 96 1 () –

1 to 49 workers .................................................. – 95 1 () –

50 to 99 workers ................................................ – 97 – 1

100 workers or more .............................................. 2 96 1 1 ( )

100 to 499 workers ............................................ – 97 – 1 ( )

500 workers or more .......................................... – 96 – 1 ( )

Geographic area

New England ......................................................... – 92 – –

Middle Atlantic ....................................................... 1 96 – –

East North Central ................................................. – 99 – 1 ( )

West North Central ................................................ – 97 – 1

South Atlantic ........................................................ – 94 – 1 ( )

East South Central ................................................ – 99 – –

West South Central ............................................... – 96 – –

Mountain ................................................................ – 95 – 1 ( )

Pacific .................................................................... – 95 1 –

See footnotes at end of table.
Table 27. Inpatient mental health care benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2008—Continued

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

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. – 98 1 – 9 89 – –

Worker characteristic

Management, professional, and related ................ – 98 – 1 ( ) 7 91 – –

Management, business, and financial ............... – 99 – 1 ( ) – 92 – 3

Professional and related .................................... – 98 – – 9 91 – –

Service ................................................................... – 95 – – – 81 – 2

Sales and office ..................................................... 1 98 – – – 86 – 1

Sales and related ............................................... – 99 1 – – 85 – 1 ( )

Office and administrative support ...................... – 97 – 1 ( ) – 87 – 2

Natural resources, construction, and maintenance – 99 – – – 94 – 1 ( )

Construction, extraction, farming, fishing, and

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

Installation, maintenance, and repair ................. – 98 – – – 89 – 1

Production, transportation, and material moving ... – 99 – 1 ( ) – 94 – 1

Production ......................................................... – 98 – 1 ( ) – 93 – 1 ( )

Transportation and material moving .................. – 99 – – – 94 – 1

Full time ................................................................. – 98 1 – – 90 – 1

Part time ................................................................ – 92 – – – 75 – 3

Union ..................................................................... – 98 – – 5 94 – –

Nonunion ............................................................... – 98 – 1 ( ) – 89 – 1

Average wage within the following percentiles:2

Less than 10 ...................................................... – 95 – – – 100 – –

10 to under 25 ................................................... – 96 – – – 75 – 2

25 to under 50 ................................................... – 98 1 – – 83 – 1 ( )

50 to under 75 ................................................... – 98 1 ( ) – 5 93 – –

75 to under 90 ................................................... – 99 – 1 ( ) 6 93 – –

90 or greater ...................................................... – 98 – 1 ( ) 7 91 – –

Establishment characteristic

Goods-producing industries ................................... – 98 – 1 ( ) – 95 – –

Construction ...................................................... – 98 – – – 100 – –

Manufacturing .................................................... – 98 – 1 ( ) – 93 – –

Service-providing industries .................................. – 98 – – – 88 – 2

Trade, transportation, and utilities ..................... – 98 1 – – 90 – 1

Wholesale trade ............................................. – 100 – – – 98 – –

Retail trade .................................................... – 98 2 – – 81 – 3

Transportation and warehousing ................... – 100 – – – 96 – –

Utilities ........................................................... – 88 – – – 68 – –

Information ......................................................... – 98 – – – 94 – –

Financial activities ............................................. – 99 – – – 95 – –

Finance and insurance .................................. – 99 – – – 96 – –

Credit intermediation and related activities – 99 – – – 97 – –

Insurance carriers and related activities .... – 99 – – – 94 – –

Real estate and rental and leasing ................ – 99 – – – 91 – –

Professional and business services .................. – 98 – – – 99 – –

Professional and technical services .............. – 100 – – – 100 – –

Administrative and waste services ................ – 93 – – – 99 – –

See footnotes at end of table.
Table 27. Inpatient mental health care benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2008—Continued

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

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... – 97 – – – 78 – 1 ( )

Educational services ...................................... – 98 – – – 85 – –

Junior colleges, colleges, and universities – 97 – – 5 95 – –

Health care and social assistance ................. – 97 – – – 76 – 1 ( )

Leisure and hospitality ....................................... – 96 – – – 87 – 6

Accommodation and food services ................ – 98 – – – 100 – –

Other services ................................................... – 100 – – – 70 – 18

1 to 99 workers ...................................................... – 99 – – – 85 – 2

1 to 49 workers .................................................. – 98 – – – 85 – 2

50 to 99 workers ................................................ – 100 – – – 86 – 3

100 workers or more .............................................. – 97 – 1 ( ) 6 93 – –

100 to 499 workers ............................................ – 97 – 1 ( ) 6 93 – –

500 workers or more .......................................... – 97 – – 6 93 – –

Geographic area

New England ......................................................... – 94 – – – 89 – –

Middle Atlantic ....................................................... – 99 – – – 90 – 5

East North Central ................................................. – 100 – – – 97 – 1

West North Central ................................................ – 98 – 1 – 86 – –

South Atlantic ........................................................ – 99 – – – 73 – 1 ( )

East South Central ................................................ – 99 – – – 98 – –

West South Central ............................................... – 96 – – – 95 – –

Mountain ................................................................ – 94 – – – 97 – 1

Pacific .................................................................... – 97 1 – – 92 – 1 ( )

1 Less than 0.5 percent. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 27. Standard errors for inpatient mental health care benefits: Extent

of coverage by type of plan, private industry workers, National

Compensation Survey, 2008

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. 0.7 0.7 0.2 1 ( )

Worker characteristic

Management, professional, and related ................ 0.5 0.7 – –

Management, business, and financial ............... 0.4 0.9 – –

Professional and related .................................... – 0.9 – 1 ( )

Service ................................................................... – 2.5 – 1 ( )

Sales and office ..................................................... – 1.4 – 1 ( )

Sales and related ............................................... – 1.5 0.2 –

Office and administrative support ...................... – 1.9 – 1 ( )

Natural resources, construction, and maintenance – 0.7 – 1 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................. – 0.2 – –

Installation, maintenance, and repair ................. – 1.4 – 1 ( )

Production, transportation, and material moving ... – 0.7 0.3 –

Production ......................................................... – 0.8 – 1 ( )

Transportation and material moving .................. – 0.9 – 1 ( )

Full time ................................................................. 0.7 0.7 0.1 1 ( )

Part time ................................................................ – 4.1 – 0.4

Union ..................................................................... – 1.0 – 1 ( )

Nonunion ............................................................... 0.8 0.8 0.3 1 ( )

Average wage within the following percentiles:2

Less than 10 ...................................................... – 4.8 – –

10 to under 25 ................................................... – 2.6 – 1 ( )

25 to under 50 ................................................... – 1.7 0.3 –

50 to under 75 ................................................... – 0.8 1 () –

75 to under 90 ................................................... 0.4 0.4 – –

90 or greater ...................................................... 0.7 1.0 – –

Establishment characteristic

Goods-producing industries ................................... – 0.7 – 1 ( )

Construction ...................................................... – 0.6 – –

Manufacturing .................................................... – 1.0 – 1 ( )

Service-providing industries .................................. 0.8 0.9 0.3 1 ( )

Trade, transportation, and utilities ..................... 0.7 0.7 0.2 1 ( )

Wholesale trade ............................................. – 0.3 – –

Retail trade .................................................... – 1.2 0.3 –

Transportation and warehousing ................... – 0.6 – –

Utilities ........................................................... – 5.6 – –

Information ......................................................... – 1.5 – –

Financial activities ............................................. – 0.8 – –

Finance and insurance .................................. – 0.7 – –

Credit intermediation and related activities – 0.9 – –

Insurance carriers and related activities .... – 1.4 – –

Real estate and rental and leasing ................ – 2.6 – –

Professional and business services .................. – 1.2 – –

Professional and technical services .............. – 0.2 – –

Administrative and waste services ................ – 3.5 – –

See footnotes at end of table.
Table 27. Standard errors for inpatient mental health care benefits: Extent

of coverage by type of plan, private industry workers, National

Compensation Survey, 2008—Continued

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... – 3.0 – 1 ( )

Educational services ...................................... – 3.9 – –

Junior colleges, colleges, and universities 0.7 0.9 – –

Health care and social assistance ................. – 3.4 – 1 ( )

Leisure and hospitality ....................................... – 2.9 – 1.7

Accommodation and food services ................ – 1.1 – –

Other services ................................................... – 6.2 – 5.6

1 to 99 workers ...................................................... – 1.4 1 () –

1 to 49 workers .................................................. – 1.8 1 () –

50 to 99 workers ................................................ – 1.1 – 0.5

100 workers or more .............................................. 0.5 0.6 0.4 1 ( )

100 to 499 workers ............................................ – 0.8 – 1 ( )

500 workers or more .......................................... – 0.9 – 1 ( )

Geographic area

New England ......................................................... – 4.3 – –

Middle Atlantic ....................................................... 0.3 1.4 – –

East North Central ................................................. – 0.3 – 1 ( )

West North Central ................................................ – 1.0 – 0.6

South Atlantic ........................................................ – 3.0 – 1 ( )

East South Central ................................................ – 0.7 – –

West South Central ............................................... – 1.7 – –

Mountain ................................................................ – 2.8 – 1 ( )

Pacific .................................................................... – 1.5 0.2 –

See footnotes at end of table.
Table 27. Standard errors for inpatient mental health care benefits: Extent of coverage by type of plan, private

industry workers, National Compensation Survey, 2008—Continued

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. – 0.5 0.3 – 2.4 2.5 – –

Worker characteristic

Management, professional, and related ................ – 0.5 – 1 ( ) 1.5 2.3 – –

Management, business, and financial ............... – 0.5 – 1 ( ) – 3.4 – 2.9

Professional and related .................................... – 0.7 – – 2.4 2.5 – –

Service ................................................................... – 2.3 – – – 6.7 – 1.8

Sales and office ..................................................... 0.2 0.9 – – – 5.2 – 0.6

Sales and related ............................................... – 0.4 0.3 – – 7.0 – 1 ( )

Office and administrative support ...................... – 1.3 – 1 ( ) – 6.7 – 0.8

Natural resources, construction, and maintenance – 0.7 – – – 2.3 – 1 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................. – 0.2 – – – 0.3 – –

Installation, maintenance, and repair ................. – 1.3 – – – 4.2 – 0.8

Production, transportation, and material moving ... – 0.8 – 1 ( ) – 1.7 – 0.4

Production ......................................................... – 0.7 – 1 ( ) – 2.4 – 1 ( )

Transportation and material moving .................. – 0.9 – – – 2.3 – 0.9

Full time ................................................................. – 0.4 0.1 – – 2.6 – 0.9

Part time ................................................................ – 4.0 – – – 8.0 – 1.6

Union ..................................................................... – 0.8 – – 1.3 1.9 – –

Nonunion ............................................................... – 0.5 – 1 ( ) – 3.0 – 0.8

Average wage within the following percentiles:2

Less than 10 ...................................................... – 5.5 – – – 0.0 – –

10 to under 25 ................................................... – 2.2 – – – 9.9 – 1.3

25 to under 50 ................................................... – 0.7 0.3 – – 7.4 – 1 ( )

50 to under 75 ................................................... – 0.7 1 ( ) – 1.2 1.8 – –

75 to under 90 ................................................... – 0.3 – 1 ( ) 1.3 1.3 – –

90 or greater ...................................................... – 0.8 – 1 ( ) 1.9 3.1 – –

Establishment characteristic

Goods-producing industries ................................... – 0.9 – 1 ( ) – 1.6 – –

Construction ...................................................... – 0.7 – – – 0.3 – –

Manufacturing .................................................... – 1.1 – 1 ( ) – 2.4 – –

Service-providing industries .................................. – 0.5 – – – 3.1 – 1.2

Trade, transportation, and utilities ..................... – 0.3 0.2 – – 2.9 – 0.5

Wholesale trade ............................................. – 0.2 – – – 0.9 – –

Retail trade .................................................... – 0.4 0.3 – – 6.4 – 1.4

Transportation and warehousing ................... – 0.0 – – – 3.6 – –

Utilities ........................................................... – 4.9 – – – 8.6 – –

Information ......................................................... – 1.8 – – – 3.6 – –

Financial activities ............................................. – 0.4 – – – 2.9 – –

Finance and insurance .................................. – 0.5 – – – 2.1 – –

Credit intermediation and related activities – 1.0 – – – 1.8 – –

Insurance carriers and related activities .... – 0.7 – – – 5.3 – –

Real estate and rental and leasing ................ – 0.6 – – – 9.7 – –

Professional and business services .................. – 1.5 – – – 0.8 – –

Professional and technical services .............. – 0.3 – – – 0.1 – –

Administrative and waste services ................ – 4.5 – – – 1.1 – –

See footnotes at end of table.
Table 27. Standard errors for inpatient mental health care benefits: Extent of coverage by type of plan, private

industry workers, National Compensation Survey, 2008—Continued

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... – 1.5 – – – 9.0 – 1 ( )

Educational services ...................................... – 0.5 – – – 10.4 – –

Junior colleges, colleges, and universities – 0.8 – – 1.4 1.4 – –

Health care and social assistance ................. – 1.8 – – – 10.9 – 1 ( )

Leisure and hospitality ....................................... – 2.7 – – – 7.0 – 5.6

Accommodation and food services ................ – 1.6 – – – 0.0 – –

Other services ................................................... – 0.3 – – – 15.7 – 14.8

1 to 99 workers ...................................................... – 0.6 – – – 4.9 – 2.0

1 to 49 workers .................................................. – 0.9 – – – 6.1 – 1.8

50 to 99 workers ................................................ – 0.2 – – – 5.1 – 2.6

100 workers or more .............................................. – 0.6 – 1 ( ) 1.0 1.1 – –

100 to 499 workers ............................................ – 0.8 – 1 ( ) 1.4 1.5 – –

500 workers or more .......................................... – 1.0 – – 1.6 1.8 – –

Geographic area

New England ......................................................... – 4.8 – – – 3.5 – –

Middle Atlantic ....................................................... – 0.2 – – – 3.4 – 4.4

East North Central ................................................. – 0.2 – – – 1.7 – 0.6

West North Central ................................................ – 0.7 – 0.7 – 10.7 – –

South Atlantic ........................................................ – 0.4 – – – 12.4 – 1 ( )

East South Central ................................................ – 0.6 – – – 1.3 – –

West South Central ............................................... – 2.2 – – – 3.6 – –

Mountain ................................................................ – 3.5 – – – 1.3 – 0.8

Pacific .................................................................... – 1.2 0.2 – – 2.6 – 1 ( )

1 Less than 0.05. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 28. Outpatient mental health care benefits: Extent of coverage by

type of plan, private industry workers, National Compensation Survey,

2008

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

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. – 84 – 14

Worker characteristic

Management, professional, and related ................ 1 85 – –

Management, business, and financial ............... – 85 – 15

Professional and related .................................... – 85 – 13

Service ................................................................... – 82 – 15

Sales and office ..................................................... – 81 – 17

Office and administrative support ...................... – 82 – 15

Natural resources, construction, and maintenance – 89 – 10

Construction, extraction, farming, fishing, and

forestry ............................................................. – 91 – 9

Installation, maintenance, and repair ................. – 88 – 10

Production, transportation, and material moving ... – 85 – 14

Production ......................................................... – 83 – 16

Transportation and material moving .................. – 89 – 10

Full time ................................................................. – 85 1 –

Union ..................................................................... – 88 – 10

Nonunion ............................................................... 1 ( ) 83 – –

Average wage within the following percentiles:2

25 to under 50 ................................................... – 82 1 –

50 to under 75 ................................................... – 86 1 () –

75 to under 90 ................................................... – 87 – 12

90 or greater ...................................................... – 83 – 15

Establishment characteristic

Goods-producing industries ................................... – 87 – 12

Construction ...................................................... – 93 – 7

Manufacturing .................................................... – 85 – 14

Service-providing industries .................................. – 83 – 15

Transportation and warehousing ................... – 86 – 14

Utilities ........................................................... – 82 – 14

Information ......................................................... – 92 – 7

Finance and insurance .................................. – 75 – –

Education and health services ........................... – 89 – 9

Educational services ...................................... – 87 – 12

Junior colleges, colleges, and universities – 90 – 9

Health care and social assistance ................. – 89 – 8

Leisure and hospitality ....................................... – 92 – 5

Accommodation and food services ................ – 97 – 2

Other services ................................................... – 89 – 7

1 to 99 workers ...................................................... – 84 – 15

1 to 49 workers .................................................. – 84 – 15

50 to 99 workers ................................................ – 81 – 16

100 workers or more .............................................. 1 84 – –

100 to 499 workers ............................................ – 85 – 14

500 workers or more .......................................... 1 ( ) 83 – –

See footnotes at end of table.
Table 28. Outpatient mental health care benefits: Extent of coverage by

type of plan, private industry workers, National Compensation Survey,

2008—Continued

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

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Geographic area

New England ......................................................... – 86 – 13

Middle Atlantic ....................................................... – 84 – 13

East North Central ................................................. – 81 – 18

West North Central ................................................ – 83 – 16

East South Central ................................................ – 89 – 11

West South Central ............................................... – 84 – 16

Mountain ................................................................ – 82 – 10

Pacific .................................................................... – 88 1 –

See footnotes at end of table.
Table 28. Outpatient mental health care benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2008—Continued

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

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. – 83 – 15 1 86 – –

Worker characteristic

Management, professional, and related ................ – 84 – 15 – 88 – 11

Management, business, and financial ............... – 84 – 16 – 88 – 11

Professional and related .................................... – 84 – 14 – 88 – 10

Service ................................................................... – 79 – 17 – 90 – 9

Sales and office ..................................................... – 81 – 16 – 82 – 18

Office and administrative support ...................... – 81 – 15 – 86 – 14

Natural resources, construction, and maintenance – 91 – 9 – 85 – 11

Construction, extraction, farming, fishing, and

forestry ............................................................. – 91 – 8 – 91 – 9

Installation, maintenance, and repair ................. – 90 – 10 – 81 – 13

Production, transportation, and material moving ... – 84 – 15 – 88 – 9

Production ......................................................... – 82 1 ( ) – – 85 – 11

Transportation and material moving .................. – 88 – 11 – 92 – 6

Full time ................................................................. – 84 1 – 1 87 – –

Union ..................................................................... – 87 – 10 – 91 – 9

Nonunion ............................................................... – 83 – 16 1 85 – –

Average wage within the following percentiles:2

25 to under 50 ................................................... – 83 – 15 – 79 – 19

50 to under 75 ................................................... – 85 1 ( ) – – 87 – 11

75 to under 90 ................................................... – 86 1 ( ) – – 88 – 10

90 or greater ...................................................... – 82 – 17 – 88 – 11

Establishment characteristic

Goods-producing industries ................................... – 87 – 13 – 88 – 10

Construction ...................................................... – 92 – 8 – 100 – 1 ( )

Manufacturing .................................................... – 85 – 15 – 83 – 14

Service-providing industries .................................. – 82 – 16 – 86 – 13

Transportation and warehousing ................... – 85 – 15 – 92 – 7

Utilities ........................................................... – 79 – 17 – 97 – –

Information ......................................................... – 92 – 7 – 93 – 7

Finance and insurance .................................. – 73 – 26 – 83 – 16

Education and health services ........................... – 87 – 10 – 93 – 6

Educational services ...................................... – 85 – 14 – 91 – 9

Junior colleges, colleges, and universities – 90 – 9 – 91 – 9

Health care and social assistance ................. – 88 – 9 – 94 – 6

Leisure and hospitality ....................................... – 91 – 5 – 94 – 6

Accommodation and food services ................ – 96 – 2 – 100 – 1 ( )

Other services ................................................... – 99 – 1 – 71 – 18

1 to 99 workers ...................................................... – 84 – 15 – 82 – 15

1 to 49 workers .................................................. – 85 – 15 – 84 – 15

50 to 99 workers ................................................ – 82 – 16 – 78 – 17

100 workers or more .............................................. 1 83 – – – 89 – 10

100 to 499 workers ............................................ – 84 – 15 – 89 – 11

500 workers or more .......................................... – 82 – 15 – 90 – 8

See footnotes at end of table.
Table 28. Outpatient mental health care benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2008—Continued

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

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Geographic area

New England ......................................................... – 84 – 15 – 88 – 11

Middle Atlantic ....................................................... – 85 – 11 – 81 – 17

East North Central ................................................. – 81 – 19 – 83 – 14

West North Central ................................................ – 84 – 15 – 81 – 19

East South Central ................................................ – 88 – 11 – 92 – 7

West South Central ............................................... – 84 – 15 – 82 – 18

Mountain ................................................................ – 81 – 9 – 87 – 13

Pacific .................................................................... – 88 2 – – 89 – 11

1 Less than 0.5 percent. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 28. Standard errors for outpatient mental health care benefits:

Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2008

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. – 1.1 – 0.9

Worker characteristic

Management, professional, and related ................ 0.2 1.7 – –

Management, business, and financial ............... – 1.5 – 1.5

Professional and related .................................... – 2.5 – 2.5

Service ................................................................... – 3.3 – 3.1

Sales and office ..................................................... – 1.7 – 1.4

Office and administrative support ...................... – 2.2 – 1.3

Natural resources, construction, and maintenance – 2.3 – 2.1

Construction, extraction, farming, fishing, and

forestry ............................................................. – 3.3 – 3.3

Installation, maintenance, and repair ................. – 2.7 – 2.3

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

Production ......................................................... – 2.6 – 2.6

Transportation and material moving .................. – 2.0 – 2.0

Full time ................................................................. – 1.1 0.1 –

Union ..................................................................... – 2.7 – 1.8

Nonunion ............................................................... 1 ( ) 1.1 – –

Average wage within the following percentiles:2

25 to under 50 ................................................... – 1.6 0.3 –

50 to under 75 ................................................... – 1.6 1 () –

75 to under 90 ................................................... – 1.2 – 1.1

90 or greater ...................................................... – 2.6 – 2.6

Establishment characteristic

Goods-producing industries ................................... – 1.8 – 1.7

Construction ...................................................... – 1.8 – 1.8

Manufacturing .................................................... – 2.4 – 2.3

Service-providing industries .................................. – 1.2 – 1.0

Transportation and warehousing ................... – 4.1 – 4.0

Utilities ........................................................... – 10.2 – 10.8

Information ......................................................... – 2.6 – 2.3

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

Education and health services ........................... – 2.4 – 1.9

Educational services ...................................... – 3.8 – 3.8

Junior colleges, colleges, and universities – 2.0 – 2.1

Health care and social assistance ................. – 2.7 – 2.2

Leisure and hospitality ....................................... – 3.7 – 3.2

Accommodation and food services ................ – 1.9 – 1.5

Other services ................................................... – 6.1 – 5.7

1 to 99 workers ...................................................... – 1.6 – 1.5

1 to 49 workers .................................................. – 1.9 – 1.8

50 to 99 workers ................................................ – 2.7 – 2.6

100 workers or more .............................................. 0.1 1.5 – –

100 to 499 workers ............................................ – 1.9 – 1.9

500 workers or more .......................................... 1 ( ) 2.4 – –

See footnotes at end of table.
Table 28. Standard errors for outpatient mental health care benefits:

Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2008—Continued

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Geographic area

New England ......................................................... – 4.3 – 3.8

Middle Atlantic ....................................................... – 3.1 – 1.7

East North Central ................................................. – 2.3 – 2.2

West North Central ................................................ – 3.6 – 3.6

East South Central ................................................ – 4.7 – 4.5

West South Central ............................................... – 3.1 – 3.0

Mountain ................................................................ – 4.0 – 2.5

Pacific .................................................................... – 1.3 0.2 –

See footnotes at end of table.
Table 28. Standard errors for outpatient mental health care benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2008—Continued

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. – 1.4 – 1.1 0.2 1.7 – –

Worker characteristic

Management, professional, and related ................ – 2.2 – 2.2 – 1.8 – 1.5

Management, business, and financial ............... – 1.9 – 1.9 – 4.0 – 3.8

Professional and related .................................... – 3.2 – 3.2 – 2.1 – 2.0

Service ................................................................... – 4.1 – 3.9 – 2.6 – 2.5

Sales and office ..................................................... – 2.0 – 1.5 – 3.4 – 3.4

Office and administrative support ...................... – 2.7 – 1.6 – 3.0 – 3.0

Natural resources, construction, and maintenance – 2.2 – 2.2 – 5.1 – 4.7

Construction, extraction, farming, fishing, and

forestry ............................................................. – 3.3 – 3.2 – 8.4 – 8.4

Installation, maintenance, and repair ................. – 2.5 – 2.5 – 5.4 – 3.7

Production, transportation, and material moving ... – 2.3 – 2.2 – 3.3 – 3.0

Production ......................................................... – 3.0 1 ( ) – – 5.3 – 4.9

Transportation and material moving .................. – 2.4 – 2.3 – 2.9 – 2.7

Full time ................................................................. – 1.4 0.1 – 0.2 1.8 – –

Union ..................................................................... – 3.7 – 2.3 – 2.0 – 2.0

Nonunion ............................................................... – 1.4 – 1.2 0.3 2.1 – –

Average wage within the following percentiles:2

25 to under 50 ................................................... – 1.8 – 1.8 – 4.2 – 4.2

50 to under 75 ................................................... – 1.9 1 ( ) – – 2.2 – 1.9

75 to under 90 ................................................... – 1.6 1 ( ) – – 2.6 – 2.3

90 or greater ...................................................... – 3.3 – 3.4 – 2.8 – 2.5

Establishment characteristic

Goods-producing industries ................................... – 1.9 – 1.9 – 3.6 – 3.5

Construction ...................................................... – 2.2 – 2.2 – 0.3 – 1 ( )

Manufacturing .................................................... – 2.6 – 2.6 – 5.3 – 5.1

Service-providing industries .................................. – 1.6 – 1.3 – 1.9 – 1.8

Transportation and warehousing ................... – 4.9 – 4.9 – 5.3 – 5.3

Utilities ........................................................... – 11.7 – 12.5 – 2.9 – –

Information ......................................................... – 2.7 – 2.2 – 4.7 – 4.7

Finance and insurance .................................. – 2.4 – 2.4 – 3.2 – 3.0

Education and health services ........................... – 3.2 – 2.6 – 1.9 – 1.9

Educational services ...................................... – 4.9 – 5.0 – 3.4 – 3.3

Junior colleges, colleges, and universities – 3.2 – 3.3 – 2.8 – 2.4

Health care and social assistance ................. – 3.4 – 2.9 – 2.4 – 2.3

Leisure and hospitality ....................................... – 4.6 – 3.7 – 5.6 – 5.6

Accommodation and food services ................ – 2.6 – 2.0 – 0.4 – 1 ( )

Other services ................................................... – 1.6 – 1.5 – 15.5 – 14.8

1 to 99 workers ...................................................... – 2.1 – 1.8 – 3.3 – 3.1

1 to 49 workers .................................................. – 2.3 – 2.2 – 3.6 – 3.3

50 to 99 workers ................................................ – 3.4 – 2.8 – 6.8 – 6.8

100 workers or more .............................................. 0.2 1.8 – – – 1.9 – 1.8

100 to 499 workers ............................................ – 2.3 – 2.3 – 2.6 – 2.6

500 workers or more .......................................... – 2.9 – 2.3 – 1.8 – 1.7

See footnotes at end of table.
Table 28. Standard errors for outpatient mental health care benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2008—Continued

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Geographic area

New England ......................................................... – 4.8 – 4.6 – 8.8 – 7.7

Middle Atlantic ....................................................... – 5.1 – 3.2 – 3.4 – 3.5

East North Central ................................................. – 2.5 – 2.4 – 4.9 – 4.3

West North Central ................................................ – 3.6 – 3.6 – 10.3 – 10.3

East South Central ................................................ – 5.1 – 4.9 – 6.7 – 5.6

West South Central ............................................... – 3.3 – 3.1 – 11.3 – 11.2

Mountain ................................................................ – 6.3 – 2.4 – 8.5 – 8.5

Pacific .................................................................... – 2.0 0.3 – – 2.0 – 2.0

1 Less than 0.05. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 29. Inpatient alcohol detoxification benefits: Extent of coverage by

type of plan, private industry workers, National Compensation Survey,

2008

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

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. 4 94 2 1 ( )

Worker characteristic

Management, professional, and related ................ 4 95 – –

Management, business, and financial ............... 3 96 – –

Professional and related .................................... 4 95 – –

Service ................................................................... – 91 – –

Sales and office ..................................................... – 94 – 1 ( )

Sales and related ............................................... – 95 – 1 ( )

Office and administrative support ...................... – 93 – 1 ( )

Natural resources, construction, and maintenance 3 96 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. – 98 – –

Installation, maintenance, and repair ................. – 95 – –

Production, transportation, and material moving ... – 94 – 1 ( )

Production ......................................................... – 93 – –

Transportation and material moving .................. – 96 – 1 ( )

Full time ................................................................. 4 95 1 1 ( )

Part time ................................................................ 6 88 – –

Union ..................................................................... 3 94 – –

Nonunion ............................................................... 4 94 1 1 ( )

Average wage within the following percentiles:2

Less than 10 ...................................................... – 95 – –

10 to under 25 ................................................... – 87 – 1 ( )

25 to under 50 ................................................... – 94 2 –

50 to under 75 ................................................... 4 95 – –

75 to under 90 ................................................... 4 95 – –

90 or greater ...................................................... 3 95 – –

Establishment characteristic

Goods-producing industries ................................... – 95 – –

Construction ...................................................... – 99 – –

Manufacturing .................................................... – 94 – 1 ( )

Service-providing industries .................................. 4 94 – –

Trade, transportation, and utilities ..................... 4 95 2 1 ( )

Wholesale trade ............................................. – 96 – –

Retail trade .................................................... – 93 3 –

Transportation and warehousing ................... – 98 – –

Utilities ........................................................... – 85 – –

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

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

Finance and insurance .................................. – 97 – –

Credit intermediation and related activities – 99 – –

Insurance carriers and related activities .... – 94 – –

Real estate and rental and leasing ................ – 99 – –

Professional and business services .................. – 94 – –

Professional and technical services .............. – 98 – –

Administrative and waste services ................ – 88 – –

See footnotes at end of table.
Table 29. Inpatient alcohol detoxification benefits: Extent of coverage by

type of plan, private industry workers, National Compensation Survey,

2008—Continued

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

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... – 92 – –

Educational services ...................................... – 89 – –

Junior colleges, colleges, and universities 9 90 – –

Health care and social assistance ................. – 93 – –

Leisure and hospitality ....................................... – 98 – –

Accommodation and food services ................ – 100 – –

Other services ................................................... – 94 – 6

1 to 99 workers ...................................................... 5 93 – –

1 to 49 workers .................................................. – 93 – 1

50 to 99 workers ................................................ – 94 – –

100 workers or more .............................................. 3 95 2 1 ( )

100 to 499 workers ............................................ 3 95 – –

500 workers or more .......................................... 3 95 – –

Geographic area

New England ......................................................... – 92 – –

Middle Atlantic ....................................................... 2 96 – –

East North Central ................................................. – 95 – 1 ( )

West North Central ................................................ – 97 – 1 ( )

South Atlantic ........................................................ – 94 – 1 ( )

East South Central ................................................ – 99 – –

West South Central ............................................... – 92 – –

Mountain ................................................................ – 96 – 1 ( )

Pacific .................................................................... 6 92 1 1 ( )

See footnotes at end of table.
Table 29. Inpatient alcohol detoxification benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2008—Continued

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

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. – 97 2 – 12 87 – –

Worker characteristic

Management, professional, and related ................ – 98 – – 11 86 – –

Management, business, and financial ............... 1 98 – – – 88 – 3

Professional and related .................................... – 98 – – 13 85 – –

Service ................................................................... – 93 – – – 85 – –

Sales and office ..................................................... – 97 – – – 84 – 1

Sales and related ............................................... – 98 – – – 85 – 1 ( )

Office and administrative support ...................... – 97 – – – 83 – 2

Natural resources, construction, and maintenance – 97 – – – 93 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. – 97 – – – 99 – –

Installation, maintenance, and repair ................. – 98 – – – 88 – –

Production, transportation, and material moving ... – 96 – – – 89 – 1

Production ......................................................... – 95 – – – 87 – –

Transportation and material moving .................. – 97 – – – 92 – 1

Full time ................................................................. – 97 2 – 11 87 – –

Part time ................................................................ – 92 – – – 77 – 2

Union ..................................................................... – 95 – – 9 91 – –

Nonunion ............................................................... – 97 – – 13 86 – –

Average wage within the following percentiles:2

Less than 10 ...................................................... – 95 – – – 97 – –

10 to under 25 ................................................... – 90 – – – 73 – 2

25 to under 50 ................................................... – 97 2 – – 84 – –

50 to under 75 ................................................... – 97 – – 8 91 – –

75 to under 90 ................................................... – 98 – – 12 86 – –

90 or greater ...................................................... – 98 – – 11 87 – –

Establishment characteristic

Goods-producing industries ................................... – 96 – – – 89 – 1

Construction ...................................................... – 98 – – – 100 – –

Manufacturing .................................................... – 96 – – – 85 – 1

Service-providing industries .................................. – 97 – – 13 86 – –

Trade, transportation, and utilities ..................... – 97 2 – 13 85 – –

Wholesale trade ............................................. – 97 – – – 94 – –

Retail trade .................................................... – 96 3 – – 78 – 3

Transportation and warehousing ................... – 100 – – – 89 – –

Utilities ........................................................... – 90 – – – 62 – –

Information ......................................................... – 99 – – – 66 – –

Financial activities ............................................. – 99 – – – 92 – –

Finance and insurance .................................. – 99 – – – 90 – –

Credit intermediation and related activities – 100 – – – 97 – –

Insurance carriers and related activities .... – 99 – – – 77 – –

Real estate and rental and leasing ................ – 99 – – – 98 – –

Professional and business services .................. – 93 – – – 95 – –

Professional and technical services .............. – 100 – – – 90 – –

Administrative and waste services ................ – 84 – – – 99 – –

See footnotes at end of table.
Table 29. Inpatient alcohol detoxification benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2008—Continued

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

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... – 98 – – – 78 – –

Educational services ...................................... 3 96 – – – 78 – –

Junior colleges, colleges, and universities 5 94 – – 16 84 – –

Health care and social assistance ................. – 98 – – – 78 – –

Leisure and hospitality ....................................... – 99 – – – 93 – –

Accommodation and food services ................ – 100 – – – 100 – –

Other services ................................................... – 100 – – – 82 – 18

1 to 99 workers ...................................................... – 96 – – – 84 – 2

1 to 49 workers .................................................. – 96 – – – 84 – 2

50 to 99 workers ................................................ – 96 – – – 81 – –

100 workers or more .............................................. – 97 – – 10 89 – –

100 to 499 workers ............................................ – 98 – – 12 87 – –

500 workers or more .......................................... – 96 – – 7 92 – –

Geographic area

New England ......................................................... – 94 – – – 89 – –

Middle Atlantic ....................................................... 1 98 – – 6 88 – –

East North Central ................................................. – 96 – – – 91 – 1

West North Central ................................................ – 99 – – – 78 – 1 ( )

South Atlantic ........................................................ – 98 – – – 74 – 1 ( )

East South Central ................................................ – 99 – – – 99 – –

West South Central ............................................... – 92 – – – 95 – –

Mountain ................................................................ – 96 – – – 95 – 1

Pacific .................................................................... – 96 2 – 14 86 – –

1 Less than 0.5 percent. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 29. Standard errors for inpatient alcohol detoxification benefits:

Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2008

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. 0.8 0.9 0.4 1 ( )

Worker characteristic

Management, professional, and related ................ 0.7 0.9 – –

Management, business, and financial ............... 0.6 1.0 – –

Professional and related .................................... 1.1 1.2 – –

Service ................................................................... – 3.1 – –

Sales and office ..................................................... – 1.5 – 1 ( )

Sales and related ............................................... – 1.6 – 1 ( )

Office and administrative support ...................... – 2.0 – 1 ( )

Natural resources, construction, and maintenance 0.8 1.1 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. – 1.6 – –

Installation, maintenance, and repair ................. – 1.6 – –

Production, transportation, and material moving ... – 1.3 – 1 ( )

Production ......................................................... – 1.7 – –

Transportation and material moving .................. – 1.5 – 1 ( )

Full time ................................................................. 0.8 0.9 0.3 1 ( )

Part time ................................................................ 1.7 3.2 – –

Union ..................................................................... 0.7 1.7 – –

Nonunion ............................................................... 0.9 0.9 0.4 1 ( )

Average wage within the following percentiles:2

Less than 10 ...................................................... – 5.0 – –

10 to under 25 ................................................... – 3.4 – 1 ( )

25 to under 50 ................................................... – 1.7 0.5 –

50 to under 75 ................................................... 1.0 1.1 – –

75 to under 90 ................................................... 0.8 0.9 – –

90 or greater ...................................................... 0.6 1.0 – –

Establishment characteristic

Goods-producing industries ................................... – 1.1 – –

Construction ...................................................... – 0.6 – –

Manufacturing .................................................... – 1.5 – 1 ( )

Service-providing industries .................................. 0.9 1.0 – –

Trade, transportation, and utilities ..................... 0.7 0.7 0.4 1 ( )

Wholesale trade ............................................. – 1.5 – –

Retail trade .................................................... – 1.5 0.8 –

Transportation and warehousing ................... – 1.0 – –

Utilities ........................................................... – 5.5 – –

Information ......................................................... – 2.5 – –

Financial activities ............................................. – 0.9 – –

Finance and insurance .................................. – 1.2 – –

Credit intermediation and related activities – 0.5 – –

Insurance carriers and related activities .... – 3.0 – –

Real estate and rental and leasing ................ – 0.7 – –

Professional and business services .................. – 2.5 – –

Professional and technical services .............. – 1.3 – –

Administrative and waste services ................ – 5.4 – –

See footnotes at end of table.
Table 29. Standard errors for inpatient alcohol detoxification benefits:

Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2008—Continued

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... – 3.0 – –

Educational services ...................................... – 4.2 – –

Junior colleges, colleges, and universities 1.9 1.9 – –

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

Leisure and hospitality ....................................... – 1.4 – –

Accommodation and food services ................ – 0.0 – –

Other services ................................................... – 5.6 – 5.6

1 to 99 workers ...................................................... 1.5 1.6 – –

1 to 49 workers .................................................. – 2.1 – 0.5

50 to 99 workers ................................................ – 2.1 – –

100 workers or more .............................................. 0.6 0.7 0.5 1 ( )

100 to 499 workers ............................................ 0.9 0.9 – –

500 workers or more .......................................... 0.5 0.9 – –

Geographic area

New England ......................................................... – 4.8 – –

Middle Atlantic ....................................................... 0.4 1.2 – –

East North Central ................................................. – 2.3 – 1 ( )

West North Central ................................................ – 1.2 – 1 ( )

South Atlantic ........................................................ – 3.1 – 1 ( )

East South Central ................................................ – 1.2 – –

West South Central ............................................... – 2.9 – –

Mountain ................................................................ – 2.5 – 1 ( )

Pacific .................................................................... 1.4 1.6 0.3 1 ( )

See footnotes at end of table.
Table 29. Standard errors for inpatient alcohol detoxification benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2008—Continued

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. – 0.8 0.5 – 2.5 2.5 – –

Worker characteristic

Management, professional, and related ................ – 0.8 – – 2.1 2.8 – –

Management, business, and financial ............... 0.3 0.6 – – – 3.5 – 2.9

Professional and related .................................... – 1.1 – – 2.8 3.2 – –

Service ................................................................... – 3.5 – – – 7.2 – –

Sales and office ..................................................... – 1.1 – – – 5.2 – 0.6

Sales and related ............................................... – 0.9 – – – 7.0 – 1 ( )

Office and administrative support ...................... – 1.5 – – – 6.7 – 0.8

Natural resources, construction, and maintenance – 1.2 – – – 2.6 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. – 2.1 – – – 1.0 – –

Installation, maintenance, and repair ................. – 1.3 – – – 5.0 – –

Production, transportation, and material moving ... – 1.4 – – – 3.3 – 0.3

Production ......................................................... – 1.8 – – – 4.7 – –

Transportation and material moving .................. – 1.6 – – – 3.6 – 0.9

Full time ................................................................. – 0.8 0.4 – 2.6 2.7 – –

Part time ................................................................ – 3.9 – – – 6.3 – 1.3

Union ..................................................................... – 2.2 – – 2.2 2.2 – –

Nonunion ............................................................... – 0.8 – – 3.0 3.0 – –

Average wage within the following percentiles:2

Less than 10 ...................................................... – 5.6 – – – 3.2 – –

10 to under 25 ................................................... – 3.7 – – – 8.2 – 1.3

25 to under 50 ................................................... – 0.9 0.6 – – 7.5 – –

50 to under 75 ................................................... – 1.2 – – 2.0 2.1 – –

75 to under 90 ................................................... – 0.8 – – 2.4 2.6 – –

90 or greater ...................................................... – 0.7 – – 2.8 3.5 – –

Establishment characteristic

Goods-producing industries ................................... – 1.2 – – – 3.0 – 0.5

Construction ...................................................... – 0.8 – – – 0.3 – –

Manufacturing .................................................... – 1.6 – – – 4.1 – 0.7

Service-providing industries .................................. – 0.8 – – 3.1 3.1 – –

Trade, transportation, and utilities ..................... – 0.7 0.5 – 2.7 2.8 – –

Wholesale trade ............................................. – 1.8 – – – 3.1 – –

Retail trade .................................................... – 1.0 1.0 – – 6.6 – 1.4

Transportation and warehousing ................... – 0.0 – – – 7.8 – –

Utilities ........................................................... – 4.3 – – – 10.6 – –

Information ......................................................... – 0.1 – – – 11.7 – –

Financial activities ............................................. – 0.3 – – – 3.6 – –

Finance and insurance .................................. – 0.3 – – – 4.7 – –

Credit intermediation and related activities – 0.3 – – – 1.7 – –

Insurance carriers and related activities .... – 0.7 – – – 12.1 – –

Real estate and rental and leasing ................ – 0.6 – – – 1.9 – –

Professional and business services .................. – 3.0 – – – 3.4 – –

Professional and technical services .............. – 0.3 – – – 8.2 – –

Administrative and waste services ................ – 7.0 – – – 1.1 – –

See footnotes at end of table.
Table 29. Standard errors for inpatient alcohol detoxification benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2008—Continued

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... – 1.4 – – – 9.1 – –

Educational services ...................................... 0.8 0.8 – – – 11.0 – –

Junior colleges, colleges, and universities 1.1 1.0 – – 4.1 4.1 – –

Health care and social assistance ................. – 1.6 – – – 11.1 – –

Leisure and hospitality ....................................... – 0.6 – – – 4.8 – –

Accommodation and food services ................ – 0.0 – – – 0.0 – –

Other services ................................................... – 0.0 – – – 14.8 – 14.8

1 to 99 workers ...................................................... – 1.3 – – – 4.6 – 1.4

1 to 49 workers .................................................. – 1.7 – – – 6.0 – 1.9

50 to 99 workers ................................................ – 2.3 – – – 5.3 – –

100 workers or more .............................................. – 0.7 – – 1.9 1.9 – –

100 to 499 workers ............................................ – 0.8 – – 3.0 3.0 – –

500 workers or more .......................................... – 1.2 – – 1.5 1.6 – –

Geographic area

New England ......................................................... – 4.9 – – – 4.5 – –

Middle Atlantic ....................................................... 0.2 0.3 – – 1.3 2.6 – –

East North Central ................................................. – 2.6 – – – 4.5 – 0.5

West North Central ................................................ – 0.7 – – – 13.3 – 1 ( )

South Atlantic ........................................................ – 0.9 – – – 12.7 – 1 ( )

East South Central ................................................ – 1.3 – – – 0.5 – –

West South Central ............................................... – 3.5 – – – 3.6 – –

Mountain ................................................................ – 3.1 – – – 2.1 – 0.8

Pacific .................................................................... – 1.3 0.6 – 3.4 3.3 – –

1 Less than 0.05. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 30. Inpatient alcohol rehabilitation benefits: Extent of coverage by

type of plan, private industry workers, National Compensation Survey,

2008

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

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. – 77 6 –

Worker characteristic

Management, professional, and related ................ 1 78 4 17

Management, business, and financial ............... – 78 5 –

Service ................................................................... – 77 – 14

Office and administrative support ...................... – 74 – 17

Installation, maintenance, and repair ................. – 84 – 10

Production, transportation, and material moving ... – 75 8 –

Production ......................................................... – 73 10 –

Transportation and material moving .................. – 79 – 15

Full time ................................................................. – 77 5 –

Union ..................................................................... – 82 – 11

Nonunion ............................................................... – 76 5 –

Average wage within the following percentiles:2

10 to under 25 ................................................... – 69 – 15

50 to under 75 ................................................... – 78 6 –

75 to under 90 ................................................... 1 81 4 14

Establishment characteristic

Goods-producing industries ................................... – 76 9 –

Construction ...................................................... – 80 – 10

Manufacturing .................................................... – 75 9 –

Service-providing industries .................................. – 77 4 –

Information ......................................................... – 88 – 7

Real estate and rental and leasing ................ – 77 – 17

Professional and business services .................. – 77 – 16

Administrative and waste services ................ – 68 – 13

Education and health services ........................... – 79 3 –

Educational services ...................................... 2 77 5 15

Junior colleges, colleges, and universities 3 76 9 12

Health care and social assistance ................. – 79 – 14

Leisure and hospitality ....................................... – 85 – 9

Accommodation and food services ................ – 95 – 4

50 to 99 workers ................................................ – 74 7 –

100 workers or more .............................................. 1 ( ) 79 6 15

100 to 499 workers ............................................ – 79 5 –

500 workers or more .......................................... 1 78 7 14

Geographic area

New England ......................................................... – 82 1 –

West North Central ................................................ – 80 – 15

East South Central ................................................ – 83 – 13

Mountain ................................................................ – 75 – 15

See footnotes at end of table.
Table 30. Inpatient alcohol rehabilitation benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2008—Continued

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

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. 1 ( ) 79 5 16 – 68 9 –

Worker characteristic

Management, professional, and related ................ 1 ( ) 80 3 17 – 72 7 –

Management, business, and financial ............... 1 79 – – – 76 – 15

Service ................................................................... – 81 – 14 – 64 – 15

Office and administrative support ...................... 1 ( ) 78 – – – 63 – 19

Installation, maintenance, and repair ................. – 88 – 9 – 71 – 14

Production, transportation, and material moving ... – 77 7 – – 71 – 14

Production ......................................................... – 74 8 – – 71 – 13

Transportation and material moving .................. – 81 – 14 – 70 – 16

Full time ................................................................. 1 ( ) 80 4 16 – 69 9 –

Union ..................................................................... – 83 – 9 – 77 – 15

Nonunion ............................................................... 1 ( ) 79 4 17 – 66 10 –

Average wage within the following percentiles:2

10 to under 25 ................................................... – 72 – 16 – 56 – 13

50 to under 75 ................................................... – 81 4 – – 70 10 –

75 to under 90 ................................................... – 83 3 – – 75 8 –

Establishment characteristic

Goods-producing industries ................................... – 78 8 – – 69 13 –

Construction ...................................................... – 84 – 9 – 64 – 14

Manufacturing .................................................... – 76 8 – – 70 – 16

Service-providing industries .................................. 1 ( ) 80 3 17 – 68 8 –

Information ......................................................... – 88 – 7 – 89 – 8

Real estate and rental and leasing ................ – 81 – 19 – – – 13

Professional and business services .................. – 75 – 19 – 85 – 7

Administrative and waste services ................ – 66 – 14 – 74 – 11

Education and health services ........................... – 85 1 – – 62 – 17

Educational services ...................................... – 79 – 14 – 74 – 17

Junior colleges, colleges, and universities – 79 – 9 – 73 – 16

Health care and social assistance ................. – 86 – 13 – 58 – 17

Leisure and hospitality ....................................... – 90 – 6 – 72 – 15

Accommodation and food services ................ – 96 – 3 – 93 – 7

50 to 99 workers ................................................ – 77 – 18 – 64 16 –

100 workers or more .............................................. 1 ( ) 79 6 15 – 77 6 –

100 to 499 workers ............................................ – 80 5 – – 74 – –

500 workers or more .......................................... 1 78 – – – 79 – 13

Geographic area

New England ......................................................... – 83 – 17 – 82 – 13

West North Central ................................................ – 81 – 15 – 71 – 19

East South Central ................................................ – 82 – 14 – 92 – 7

Mountain ................................................................ – 75 – 16 – 77 – 10

1 Less than 0.5 percent. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 30. Standard errors for inpatient alcohol rehabilitation benefits:

Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2008

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. – 1.3 0.8 –

Worker characteristic

Management, professional, and related ................ 0.2 2.0 0.7 1.8

Management, business, and financial ............... – 1.8 1.1 –

Service ................................................................... – 4.1 – 2.9

Office and administrative support ...................... – 2.5 – 1.4

Installation, maintenance, and repair ................. – 3.1 – 2.3

Production, transportation, and material moving ... – 2.6 1.8 –

Production ......................................................... – 3.3 2.2 –

Transportation and material moving .................. – 3.8 – 2.8

Full time ................................................................. – 1.3 0.7 –

Union ..................................................................... – 2.7 – 1.5

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

Average wage within the following percentiles:2

10 to under 25 ................................................... – 5.2 – 3.3

50 to under 75 ................................................... – 1.6 1.0 –

75 to under 90 ................................................... 0.2 1.4 0.7 1.1

Establishment characteristic

Goods-producing industries ................................... – 2.2 1.5 –

Construction ...................................................... – 4.3 – 2.1

Manufacturing .................................................... – 3.0 1.7 –

Service-providing industries .................................. – 1.6 0.9 –

Information ......................................................... – 3.6 – 2.3

Real estate and rental and leasing ................ – 7.8 – 7.2

Professional and business services .................. – 4.7 – 3.9

Administrative and waste services ................ – 8.8 – 4.9

Education and health services ........................... – 3.5 0.8 –

Educational services ...................................... 0.6 4.6 1.4 4.5

Junior colleges, colleges, and universities 0.6 3.5 2.3 3.3

Health care and social assistance ................. – 4.1 – 3.0

Leisure and hospitality ....................................... – 4.6 – 3.8

Accommodation and food services ................ – 2.6 – 2.4

50 to 99 workers ................................................ – 3.5 2.1 –

100 workers or more .............................................. 1 ( ) 1.7 1.0 1.5

100 to 499 workers ............................................ – 2.2 1.1 –

500 workers or more .......................................... 0.2 2.5 1.7 2.0

Geographic area

New England ......................................................... – 4.8 0.1 –

West North Central ................................................ – 3.3 – 3.4

East South Central ................................................ – 5.6 – 4.5

Mountain ................................................................ – 6.6 – 4.7

See footnotes at end of table.
Table 30. Standard errors for inpatient alcohol rehabilitation benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2008—Continued

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. 1 ( ) 1.4 0.8 1.2 – 2.8 1.4 –

Worker characteristic

Management, professional, and related ................ 1 ( ) 2.4 0.6 2.2 – 3.6 1.7 –

Management, business, and financial ............... 0.2 2.3 – – – 4.8 – 4.0

Service ................................................................... – 4.7 – 3.8 – 7.4 – 3.8

Office and administrative support ...................... 1 ( ) 2.7 – – – 6.4 – 3.1

Installation, maintenance, and repair ................. – 2.5 – 2.4 – 8.9 – 4.1

Production, transportation, and material moving ... – 3.0 1.7 – – 4.7 – 4.2

Production ......................................................... – 3.7 2.0 – – 7.0 – 5.0

Transportation and material moving .................. – 3.5 – 2.5 – 10.1 – 7.6

Full time ................................................................. 1 ( ) 1.4 0.6 1.3 – 3.0 1.4 –

Union ..................................................................... – 3.2 – 1.8 – 3.4 – 3.4

Nonunion ............................................................... 1 ( ) 1.6 0.9 1.3 – 3.4 1.7 –

Average wage within the following percentiles:2

10 to under 25 ................................................... – 6.3 – 3.7 – 7.5 – 4.7

50 to under 75 ................................................... – 1.8 1.0 – – 3.1 2.3 –

75 to under 90 ................................................... – 1.5 0.6 – – 3.9 2.0 –

Establishment characteristic

Goods-producing industries ................................... – 2.5 1.6 – – 5.1 3.3 –

Construction ...................................................... – 4.0 – 2.1 – 7.4 – 5.9

Manufacturing .................................................... – 3.6 2.1 – – 6.2 – 5.3

Service-providing industries .................................. 1 ( ) 1.7 0.9 1.4 – 3.5 1.8 –

Information ......................................................... – 3.6 – 2.2 – 5.6 – 4.9

Real estate and rental and leasing ................ – 8.7 – 8.3 – – – 7.6

Professional and business services .................. – 5.7 – 4.8 – 7.2 – 5.4

Administrative and waste services ................ – 10.2 – 5.7 – 16.3 – 11.4

Education and health services ........................... – 3.1 0.3 – – 9.3 – 5.7

Educational services ...................................... – 5.1 – 4.7 – 5.6 – 5.9

Junior colleges, colleges, and universities – 4.1 – 3.1 – 3.6 – 3.9

Health care and social assistance ................. – 3.5 – 3.5 – 11.6 – 6.9

Leisure and hospitality ....................................... – 4.7 – 3.8 – 9.6 – 7.9

Accommodation and food services ................ – 2.6 – 2.0 – 6.2 – 6.2

50 to 99 workers ................................................ – 4.1 – 3.5 – 6.3 4.2 –

100 workers or more .............................................. 1 ( ) 1.9 1.2 1.7 – 3.0 1.6 –

100 to 499 workers ............................................ – 2.5 1.2 – – 4.6 – –

500 workers or more .......................................... 0.1 2.6 – – – 4.3 – 2.6

Geographic area

New England ......................................................... – 4.2 – 4.3 – 11.2 – 8.5

West North Central ................................................ – 3.4 – 3.3 – 13.2 – 10.3

East South Central ................................................ – 6.2 – 5.1 – 6.7 – 5.6

Mountain ................................................................ – 7.3 – 5.8 – 9.3 – 3.7

1 Less than 0.05. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 31. Outpatient alcohol rehabilitation benefits: Extent of coverage by

type of plan, private industry workers, National Compensation Survey,

2008

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

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. – 79 4 –

Worker characteristic

Management, professional, and related ................ – 80 2 –

Management, business, and financial ............... – 81 – 17

Professional and related .................................... – 79 3 –

Service ................................................................... – 75 – 18

Office and administrative support ...................... – 78 – 17

Natural resources, construction, and maintenance – 84 – 12

Installation, maintenance, and repair ................. – 85 – 11

Production, transportation, and material moving ... – 79 5 –

Production ......................................................... – 76 6 –

Transportation and material moving .................. – 84 – 13

Full time ................................................................. – 79 3 –

Union ..................................................................... – 80 – 13

Nonunion ............................................................... 1 ( ) 79 3 18

Average wage within the following percentiles:2

50 to under 75 ................................................... – 81 3 –

75 to under 90 ................................................... – 83 2 –

Establishment characteristic

Goods-producing industries ................................... – 80 6 –

Construction ...................................................... – 85 – 10

Manufacturing .................................................... – 78 6 –

Service-providing industries .................................. – 79 3 –

Transportation and warehousing ................... – 86 – 14

Information ......................................................... – 84 – 12

Real estate and rental and leasing ................ – 80 – 17

Education and health services ........................... – 82 – 14

Educational services ...................................... – 83 – –

Health care and social assistance ................. – 81 – 14

Leisure and hospitality ....................................... – 88 – 9

Accommodation and food services ................ – 95 – 4

Other services ................................................... – 89 – 7

1 to 99 workers ...................................................... – 79 3 –

1 to 49 workers .................................................. – 81 – –

50 to 99 workers ................................................ – 74 – 19

100 workers or more .............................................. 1 ( ) 79 4 17

500 workers or more .......................................... – 78 – 17

Geographic area

New England ......................................................... – 82 – 14

Middle Atlantic ....................................................... – 83 – 15

West North Central ................................................ – 81 – 16

East South Central ................................................ – 84 – 14

Mountain ................................................................ – 75 – 15

See footnotes at end of table.
Table 31. Outpatient alcohol rehabilitation benefits: Extent of coverage by type of plan, private industry

workers, National Compensation Survey, 2008—Continued

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

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. – 79 4 – – 79 3 –

Worker characteristic

Management, professional, and related ................ – 80 2 – – 78 – 18

Management, business, and financial ............... – 80 – 17 – 83 – 15

Professional and related .................................... – 80 – 17 – 75 – 19

Service ................................................................... – 73 – 19 – 83 – 15

Office and administrative support ...................... – 77 – 17 – 80 – 18

Natural resources, construction, and maintenance – 86 – 9 – 77 – 19

Installation, maintenance, and repair ................. – 87 – 11 – 80 – 14

Production, transportation, and material moving ... – 78 5 – – 84 – 11

Production ......................................................... – 75 6 – – 81 – 12

Transportation and material moving .................. – 82 – 14 – 88 – 9

Full time ................................................................. – 80 3 – – 79 3 –

Union ..................................................................... – 79 – 12 – 83 – 16

Nonunion ............................................................... 1 ( ) 79 3 18 – 78 4 –

Average wage within the following percentiles:2

50 to under 75 ................................................... – 81 3 – – 81 – 16

75 to under 90 ................................................... – 83 2 – – 82 – 15

Establishment characteristic

Goods-producing industries ................................... – 79 6 – – 82 – 14

Construction ...................................................... – 85 – 9 – 87 – 11

Manufacturing .................................................... – 77 6 – – 80 – 15

Service-providing industries .................................. – 79 3 – – 78 – 18

Transportation and warehousing ................... – 84 – 16 – 92 – 8

Information ......................................................... – 85 – 11 – 75 – 16

Real estate and rental and leasing ................ – 81 – 19 – 78 – 13

Education and health services ........................... – 83 – 13 – 79 – 16

Educational services ...................................... – 84 – 14 – 82 – 16

Health care and social assistance ................. – 82 – 13 – 78 – 17

Leisure and hospitality ....................................... – 90 – 6 – 83 – 17

Accommodation and food services ................ – 96 – 3 – 93 – 7

Other services ................................................... – 98 – 1 – 71 – 18

1 to 99 workers ...................................................... – 79 – 17 – 78 5 –

1 to 49 workers .................................................. – 81 – 16 – 78 3 –

50 to 99 workers ................................................ – 74 – 19 – 76 – 15

100 workers or more .............................................. 1 ( ) 79 5 16 – 80 – 18

500 workers or more .......................................... – 76 – 17 – 83 – 14

Geographic area

New England ......................................................... – 79 – 16 – 86 – 13

Middle Atlantic ....................................................... – 84 – 13 – 80 – 19

West North Central ................................................ – 81 – 16 – 81 – 19

East South Central ................................................ – 83 – 14 – 92 – 7

Mountain ................................................................ – 73 – 16 – 85 – 12

1 Less than 0.5 percent. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 31. Standard errors for outpatient alcohol rehabilitation benefits:

Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2008

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. – 1.2 0.6 –

Worker characteristic

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

Management, business, and financial ............... – 1.6 – 1.6

Professional and related .................................... – 2.8 0.7 –

Service ................................................................... – 3.9 – 3.3

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

Natural resources, construction, and maintenance – 3.1 – 2.3

Installation, maintenance, and repair ................. – 2.8 – 2.4

Production, transportation, and material moving ... – 2.3 1.1 –

Production ......................................................... – 3.0 1.5 –

Transportation and material moving .................. – 2.8 – 2.2

Full time ................................................................. – 1.2 0.4 –

Union ..................................................................... – 3.2 – 1.9

Nonunion ............................................................... 1 ( ) 1.3 0.6 1.1

Average wage within the following percentiles:2

50 to under 75 ................................................... – 1.6 0.5 –

75 to under 90 ................................................... – 1.4 0.5 –

Establishment characteristic

Goods-producing industries ................................... – 2.3 1.3 –

Construction ...................................................... – 4.4 – 2.4

Manufacturing .................................................... – 2.8 1.4 –

Service-providing industries .................................. – 1.4 0.7 –

Transportation and warehousing ................... – 4.1 – 4.1

Information ......................................................... – 4.5 – 3.4

Real estate and rental and leasing ................ – 7.8 – 7.2

Education and health services ........................... – 2.8 – 2.6

Educational services ...................................... – 4.1 – –

Health care and social assistance ................. – 3.2 – 3.0

Leisure and hospitality ....................................... – 4.2 – 3.8

Accommodation and food services ................ – 2.6 – 2.4

Other services ................................................... – 6.1 – 5.8

1 to 99 workers ...................................................... – 1.9 0.8 –

1 to 49 workers .................................................. – 2.2 – –

50 to 99 workers ................................................ – 3.5 – 3.1

100 workers or more .............................................. 1 ( ) 1.5 0.8 1.5

500 workers or more .......................................... – 2.2 – 2.2

Geographic area

New England ......................................................... – 4.5 – 4.1

Middle Atlantic ....................................................... – 3.3 – 1.8

West North Central ................................................ – 3.4 – 3.4

East South Central ................................................ – 5.4 – 4.3

Mountain ................................................................ – 5.9 – 4.8

See footnotes at end of table.
Table 31. Standard errors for outpatient alcohol rehabilitation benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2008—Continued

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. – 1.4 0.7 – – 1.9 0.8 –

Worker characteristic

Management, professional, and related ................ – 2.3 0.5 – – 3.1 – 2.7

Management, business, and financial ............... – 1.9 – 1.8 – 4.1 – 4.0

Professional and related .................................... – 3.3 – 3.3 – 4.7 – 4.2

Service ................................................................... – 4.7 – 4.0 – 4.3 – 3.8

Office and administrative support ...................... – 2.7 – 1.7 – 3.8 – 3.4

Natural resources, construction, and maintenance – 2.8 – 2.2 – 6.0 – 5.8

Installation, maintenance, and repair ................. – 2.7 – 2.6 – 5.8 – 4.0

Production, transportation, and material moving ... – 2.8 1.3 – – 3.1 – 3.3

Production ......................................................... – 3.5 1.7 – – 6.2 – 5.0

Transportation and material moving .................. – 3.1 – 2.4 – 5.2 – 3.6

Full time ................................................................. – 1.4 0.5 – – 2.0 0.8 –

Union ..................................................................... – 4.1 – 2.3 – 2.8 – 2.9

Nonunion ............................................................... 1 ( ) 1.4 0.8 1.3 – 2.4 0.9 –

Average wage within the following percentiles:2

50 to under 75 ................................................... – 1.8 0.6 – – 2.5 – 2.0

75 to under 90 ................................................... – 1.5 0.6 – – 3.2 – 2.8

Establishment characteristic

Goods-producing industries ................................... – 2.4 1.4 – – 5.5 – 3.9

Construction ...................................................... – 4.0 – 2.0 – 9.1 – 9.0

Manufacturing .................................................... – 3.3 1.6 – – 5.9 – 5.1

Service-providing industries .................................. – 1.6 0.9 – – 2.2 – 1.8

Transportation and warehousing ................... – 4.9 – 4.9 – 5.4 – 5.3

Information ......................................................... – 4.4 – 3.2 – 8.2 – 6.9

Real estate and rental and leasing ................ – 8.3 – 8.3 – 12.4 – 7.6

Education and health services ........................... – 3.2 – 3.1 – 6.0 – 5.4

Educational services ...................................... – 5.0 – 4.9 – 4.0 – 3.1

Health care and social assistance ................. – 3.6 – 3.5 – 7.7 – 6.9

Leisure and hospitality ....................................... – 4.7 – 3.8 – 7.8 – 7.8

Accommodation and food services ................ – 2.6 – 2.0 – 6.2 – 6.2

Other services ................................................... – 1.8 – 1.7 – 15.5 – 14.8

1 to 99 workers ...................................................... – 2.2 – 1.9 – 4.1 1.0 –

1 to 49 workers .................................................. – 2.4 – 2.2 – 4.7 0.8 –

50 to 99 workers ................................................ – 4.5 – 3.6 – 6.8 – 6.0

100 workers or more .............................................. 1 ( ) 1.7 1.0 1.6 – 2.8 – 2.8

500 workers or more .......................................... – 2.5 – 2.4 – 3.1 – 3.0

Geographic area

New England ......................................................... – 2.0 – 4.2 – 9.6 – 8.3

Middle Atlantic ....................................................... – 4.6 – 2.7 – 4.1 – 3.8

West North Central ................................................ – 3.4 – 3.4 – 10.3 – 10.3

East South Central ................................................ – 5.9 – 4.7 – 6.0 – 5.6

Mountain ................................................................ – 7.3 – 5.9 – 2.6 – 3.6

1 Less than 0.05. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 32. Inpatient drug detoxification benefits: Extent of coverage by

type of plan, private industry workers, National Compensation Survey,

2008

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

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. 4 94 2 1 ( )

Worker characteristic

Management, professional, and related ................ 4 95 1 –

Management, business, and financial ............... 3 95 – –

Professional and related .................................... 4 95 – –

Service ................................................................... – 91 – –

Sales and office ..................................................... – 94 – 1 ( )

Sales and related ............................................... – 95 – 1 ( )

Office and administrative support ...................... – 93 – 1 ( )

Natural resources, construction, and maintenance 3 96 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. – 98 – –

Installation, maintenance, and repair ................. – 95 – –

Production, transportation, and material moving ... – 94 – 1 ( )

Production ......................................................... – 93 – –

Transportation and material moving .................. – 96 – 1 ( )

Full time ................................................................. 4 95 2 1 ( )

Part time ................................................................ 6 88 – –

Union ..................................................................... 3 94 – –

Nonunion ............................................................... 4 94 2 1 ( )

Average wage within the following percentiles:2

Less than 10 ...................................................... – 95 – –

10 to under 25 ................................................... – 86 – 1 ( )

25 to under 50 ................................................... – 94 2 –

50 to under 75 ................................................... 4 95 – –

75 to under 90 ................................................... 4 95 1 –

90 or greater ...................................................... 3 95 – –

Establishment characteristic

Goods-producing industries ................................... – 94 3 –

Construction ...................................................... – 99 – –

Manufacturing .................................................... – 94 – 1 ( )

Service-providing industries .................................. 4 94 – –

Trade, transportation, and utilities ..................... 4 94 2 1 ( )

Wholesale trade ............................................. – 96 – –

Retail trade .................................................... – 93 3 –

Transportation and warehousing ................... – 98 – –

Utilities ........................................................... – 84 – –

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

Financial activities ............................................. – 97 – –

Finance and insurance .................................. – 97 – –

Credit intermediation and related activities – 99 – –

Insurance carriers and related activities .... – 94 – –

Real estate and rental and leasing ................ – 99 – –

Professional and business services .................. – 94 – –

Professional and technical services .............. – 98 – –

Administrative and waste services ................ – 88 – –

See footnotes at end of table.
Table 32. Inpatient drug detoxification benefits: Extent of coverage by

type of plan, private industry workers, National Compensation Survey,

2008—Continued

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

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... – 92 – –

Educational services ...................................... – 89 – –

Junior colleges, colleges, and universities 9 90 – –

Health care and social assistance ................. – 93 – –

Leisure and hospitality ....................................... – 98 – –

Accommodation and food services ................ – 100 – –

Other services ................................................... – 94 – 6

1 to 99 workers ...................................................... 5 93 – –

1 to 49 workers .................................................. – 93 – 1

50 to 99 workers ................................................ – 94 – –

100 workers or more .............................................. 3 95 2 1 ( )

100 to 499 workers ............................................ 3 95 2 –

500 workers or more .......................................... 3 95 – –

Geographic area

New England ......................................................... – 92 – –

Middle Atlantic ....................................................... 2 95 – –

East North Central ................................................. – 95 – 1 ( )

West North Central ................................................ – 97 – 1 ( )

South Atlantic ........................................................ – 93 – 1 ( )

East South Central ................................................ – 99 – –

West South Central ............................................... – 92 – –

Mountain ................................................................ – 96 – 1 ( )

Pacific .................................................................... 6 92 2 1 ( )

See footnotes at end of table.
Table 32. Inpatient drug detoxification benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2008—Continued

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

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. – 96 2 – 12 86 1 –

Worker characteristic

Management, professional, and related ................ – 98 1 – 11 86 – –

Management, business, and financial ............... 1 98 – – – 87 – 3

Professional and related .................................... – 98 – – 13 84 – –

Service ................................................................... – 93 – – – 85 – –

Sales and office ..................................................... – 97 – – – 84 – 1

Sales and related ............................................... – 98 – – – 85 – 1 ( )

Office and administrative support ...................... – 96 – – – 83 – 2

Natural resources, construction, and maintenance – 97 – – – 93 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. – 97 – – – 99 – –

Installation, maintenance, and repair ................. – 97 – – – 88 – –

Production, transportation, and material moving ... – 95 – – – 89 – 1

Production ......................................................... – 95 – – – 87 – –

Transportation and material moving .................. – 97 – – – 91 – 1

Full time ................................................................. – 97 2 – 11 87 1 –

Part time ................................................................ – 92 – – – 77 – 2

Union ..................................................................... – 95 – – 9 91 – –

Nonunion ............................................................... – 97 2 – 13 85 – –

Average wage within the following percentiles:2

Less than 10 ...................................................... – 95 – – – 97 – –

10 to under 25 ................................................... – 90 – – – 73 – 2

25 to under 50 ................................................... – 97 2 – – 84 1 –

50 to under 75 ................................................... – 97 – – 8 91 – –

75 to under 90 ................................................... – 97 – – 12 85 – –

90 or greater ...................................................... – 98 – – 11 86 – –

Establishment characteristic

Goods-producing industries ................................... – 96 3 – – 89 – 1

Construction ...................................................... – 98 – – – 100 – –

Manufacturing .................................................... – 96 – – – 85 – 1

Service-providing industries .................................. – 97 – – 13 85 – –

Trade, transportation, and utilities ..................... – 97 2 – 13 85 – –

Wholesale trade ............................................. – 97 – – – 94 – –

Retail trade .................................................... – 96 4 – – 78 – 3

Transportation and warehousing ................... – 100 – – – 89 – –

Utilities ........................................................... – 88 – – – 62 – –

Information ......................................................... – 99 – – – 66 – –

Financial activities ............................................. – 99 – – – 91 – –

Finance and insurance .................................. – 99 – – – 89 – –

Credit intermediation and related activities – 99 – – – 97 – –

Insurance carriers and related activities .... – 99 – – – 77 – –

Real estate and rental and leasing ................ – 99 – – – 98 – –

Professional and business services .................. – 93 – – – 95 – –

Professional and technical services .............. – 100 – – – 90 – –

Administrative and waste services ................ – 84 – – – 99 – –

See footnotes at end of table.
Table 32. Inpatient drug detoxification benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2008—Continued

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

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... – 98 – – – 77 – –

Educational services ...................................... 3 96 – – – 78 – –

Junior colleges, colleges, and universities 5 94 – – 16 84 – –

Health care and social assistance ................. – 98 – – – 77 – –

Leisure and hospitality ....................................... – 99 – – – 93 – –

Accommodation and food services ................ – 100 – – – 100 – –

Other services ................................................... – 100 – – – 82 – 18

1 to 99 workers ...................................................... – 96 – – – 84 – 2

1 to 49 workers .................................................. – 96 – – – 84 – 2

50 to 99 workers ................................................ – 96 – – – 81 – –

100 workers or more .............................................. – 97 2 – 10 89 – –

100 to 499 workers ............................................ – 97 – – 12 86 – –

500 workers or more .......................................... – 96 – – 7 91 – –

Geographic area

New England ......................................................... – 94 – – – 89 – –

Middle Atlantic ....................................................... 1 98 – – 6 88 – –

East North Central ................................................. – 96 – – – 91 – 1

West North Central ................................................ – 99 – – – 78 – 1 ( )

South Atlantic ........................................................ – 98 – – – 73 – 1 ( )

East South Central ................................................ – 99 – – – 99 – –

West South Central ............................................... – 91 – – – 95 – –

Mountain ................................................................ – 96 – – – 95 – 1

Pacific .................................................................... – 96 3 – 14 86 – –

1 Less than 0.5 percent. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 32. Standard errors for inpatient drug detoxification benefits: Extent

of coverage by type of plan, private industry workers, National

Compensation Survey, 2008

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. 0.8 0.9 0.4 1 ( )

Worker characteristic

Management, professional, and related ................ 0.7 1.0 0.2 –

Management, business, and financial ............... 0.6 1.1 – –

Professional and related .................................... 1.1 1.2 – –

Service ................................................................... – 3.1 – –

Sales and office ..................................................... – 1.5 – 1 ( )

Sales and related ............................................... – 1.6 – 1 ( )

Office and administrative support ...................... – 2.0 – 1 ( )

Natural resources, construction, and maintenance 0.8 1.1 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. – 1.6 – –

Installation, maintenance, and repair ................. – 1.6 – –

Production, transportation, and material moving ... – 1.3 – 1 ( )

Production ......................................................... – 1.7 – –

Transportation and material moving .................. – 1.5 – 1 ( )

Full time ................................................................. 0.8 0.9 0.3 1 ( )

Part time ................................................................ 1.7 3.2 – –

Union ..................................................................... 0.7 1.7 – –

Nonunion ............................................................... 0.9 0.9 0.4 1 ( )

Average wage within the following percentiles:2

Less than 10 ...................................................... – 5.0 – –

10 to under 25 ................................................... – 3.4 – 1 ( )

25 to under 50 ................................................... – 1.7 0.5 –

50 to under 75 ................................................... 1.0 1.1 – –

75 to under 90 ................................................... 0.8 0.9 0.4 –

90 or greater ...................................................... 0.6 1.0 – –

Establishment characteristic

Goods-producing industries ................................... – 1.1 0.8 –

Construction ...................................................... – 0.6 – –

Manufacturing .................................................... – 1.5 – 1 ( )

Service-providing industries .................................. 0.9 1.0 – –

Trade, transportation, and utilities ..................... 0.7 0.7 0.4 1 ( )

Wholesale trade ............................................. – 1.5 – –

Retail trade .................................................... – 1.4 0.7 –

Transportation and warehousing ................... – 1.0 – –

Utilities ........................................................... – 6.3 – –

Information ......................................................... – 2.5 – –

Financial activities ............................................. – 0.9 – –

Finance and insurance .................................. – 1.2 – –

Credit intermediation and related activities – 0.5 – –

Insurance carriers and related activities .... – 3.0 – –

Real estate and rental and leasing ................ – 0.7 – –

Professional and business services .................. – 2.5 – –

Professional and technical services .............. – 1.3 – –

Administrative and waste services ................ – 5.4 – –

See footnotes at end of table.
Table 32. Standard errors for inpatient drug detoxification benefits: Extent

of coverage by type of plan, private industry workers, National

Compensation Survey, 2008—Continued

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... – 3.0 – –

Educational services ...................................... – 4.2 – –

Junior colleges, colleges, and universities 1.9 1.9 – –

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

Leisure and hospitality ....................................... – 1.4 – –

Accommodation and food services ................ – 0.0 – –

Other services ................................................... – 5.6 – 5.6

1 to 99 workers ...................................................... 1.5 1.6 – –

1 to 49 workers .................................................. – 2.1 – 0.5

50 to 99 workers ................................................ – 2.1 – –

100 workers or more .............................................. 0.6 0.7 0.5 1 ( )

100 to 499 workers ............................................ 0.9 1.0 0.5 –

500 workers or more .......................................... 0.5 0.9 – –

Geographic area

New England ......................................................... – 4.8 – –

Middle Atlantic ....................................................... 0.4 1.4 – –

East North Central ................................................. – 2.3 – 1 ( )

West North Central ................................................ – 1.2 – 1 ( )

South Atlantic ........................................................ – 3.1 – 1 ( )

East South Central ................................................ – 1.2 – –

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

Mountain ................................................................ – 2.5 – 1 ( )

Pacific .................................................................... 1.4 1.6 0.4 1 ( )

See footnotes at end of table.
Table 32. Standard errors for inpatient drug detoxification benefits: Extent of coverage by type of plan, private

industry workers, National Compensation Survey, 2008—Continued

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. – 0.8 0.5 – 2.5 2.5 0.2 –

Worker characteristic

Management, professional, and related ................ – 0.8 0.2 – 2.1 3.1 – –

Management, business, and financial ............... 0.3 0.7 – – – 4.2 – 2.9

Professional and related .................................... – 1.1 – – 2.8 3.3 – –

Service ................................................................... – 3.5 – – – 7.2 – –

Sales and office ..................................................... – 1.0 – – – 5.2 – 0.6

Sales and related ............................................... – 0.8 – – – 7.0 – 1 ( )

Office and administrative support ...................... – 1.5 – – – 6.7 – 0.8

Natural resources, construction, and maintenance – 1.2 – – – 2.6 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. – 2.1 – – – 1.0 – –

Installation, maintenance, and repair ................. – 1.3 – – – 5.0 – –

Production, transportation, and material moving ... – 1.5 – – – 3.3 – 0.3

Production ......................................................... – 1.9 – – – 4.7 – –

Transportation and material moving .................. – 1.6 – – – 3.8 – 0.9

Full time ................................................................. – 0.8 0.4 – 2.6 2.7 0.3 –

Part time ................................................................ – 3.9 – – – 6.3 – 1.3

Union ..................................................................... – 2.2 – – 2.2 2.2 – –

Nonunion ............................................................... – 0.8 0.5 – 3.0 3.0 – –

Average wage within the following percentiles:2

Less than 10 ...................................................... – 5.6 – – – 3.2 – –

10 to under 25 ................................................... – 3.7 – – – 8.2 – 1.3

25 to under 50 ................................................... – 0.9 0.6 – – 7.5 0.3 –

50 to under 75 ................................................... – 1.2 – – 2.0 2.1 – –

75 to under 90 ................................................... – 0.8 – – 2.4 2.8 – –

90 or greater ...................................................... – 0.7 – – 2.8 3.7 – –

Establishment characteristic

Goods-producing industries ................................... – 1.3 0.9 – – 3.0 – 0.5

Construction ...................................................... – 0.8 – – – 0.3 – –

Manufacturing .................................................... – 1.6 – – – 4.0 – 0.7

Service-providing industries .................................. – 0.8 – – 3.1 3.1 – –

Trade, transportation, and utilities ..................... – 0.7 0.5 – 2.7 2.8 – –

Wholesale trade ............................................. – 1.8 – – – 3.1 – –

Retail trade .................................................... – 0.9 0.9 – – 6.6 – 1.4

Transportation and warehousing ................... – 0.0 – – – 7.8 – –

Utilities ........................................................... – 5.5 – – – 10.6 – –

Information ......................................................... – 0.1 – – – 11.7 – –

Financial activities ............................................. – 0.2 – – – 3.8 – –

Finance and insurance .................................. – 0.2 – – – 4.9 – –

Credit intermediation and related activities – 0.4 – – – 1.7 – –

Insurance carriers and related activities .... – 0.7 – – – 12.1 – –

Real estate and rental and leasing ................ – 0.6 – – – 1.9 – –

Professional and business services .................. – 3.0 – – – 3.4 – –

Professional and technical services .............. – 0.3 – – – 8.2 – –

Administrative and waste services ................ – 7.0 – – – 1.1 – –

See footnotes at end of table.
Table 32. Standard errors for inpatient drug detoxification benefits: Extent of coverage by type of plan, private

industry workers, National Compensation Survey, 2008—Continued

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... – 1.4 – – – 9.0 – –

Educational services ...................................... 0.8 0.8 – – – 11.0 – –

Junior colleges, colleges, and universities 1.1 1.0 – – 4.1 4.1 – –

Health care and social assistance ................. – 1.6 – – – 11.1 – –

Leisure and hospitality ....................................... – 0.6 – – – 4.8 – –

Accommodation and food services ................ – 0.0 – – – 0.0 – –

Other services ................................................... – 0.0 – – – 14.8 – 14.8

1 to 99 workers ...................................................... – 1.3 – – – 4.6 – 1.4

1 to 49 workers .................................................. – 1.7 – – – 6.0 – 1.9

50 to 99 workers ................................................ – 2.3 – – – 5.3 – –

100 workers or more .............................................. – 0.7 0.6 – 1.9 2.0 – –

100 to 499 workers ............................................ – 0.8 – – 3.0 2.9 – –

500 workers or more .......................................... – 1.2 – – 1.5 1.8 – –

Geographic area

New England ......................................................... – 4.9 – – – 4.5 – –

Middle Atlantic ....................................................... 0.2 0.3 – – 1.3 3.0 – –

East North Central ................................................. – 2.6 – – – 4.5 – 0.5

West North Central ................................................ – 0.7 – – – 13.3 – 1 ( )

South Atlantic ........................................................ – 0.8 – – – 12.6 – 1 ( )

East South Central ................................................ – 1.3 – – – 0.5 – –

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

Mountain ................................................................ – 3.1 – – – 2.1 – 0.8

Pacific .................................................................... – 1.4 0.6 – 3.4 3.3 – –

1 Less than 0.05. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 33. Inpatient drug rehabilitation benefits: Extent of coverage by type

of plan, private industry workers, National Compensation Survey, 2008

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

Characteristic

All plans

Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

All workers ............................................................. – 77 6 –

Worker characteristic

Management, professional, and related ................ 1 78 4 17

Management, business, and financial ............... – 78 4 –

Service ................................................................... – 77 – 14

Office and administrative support ...................... – 74 – 17

Installation, maintenance, and repair ................. – 84 – 10

Production, transportation, and material moving ... – 75 8 –

Production ......................................................... – 73 10 –

Transportation and material moving .................. – 79 – 15

Full time ................................................................. – 77 5 –

Union ..................................................................... – 82 – 11

Nonunion ............................................................... – 76 5 –

Average wage within the following percentiles:3

10 to under 25 ................................................... – 69 – 15

50 to under 75 ................................................... – 78 6 –

75 to under 90 ................................................... 1 81 4 14

Establishment characteristic

Goods-producing industries ................................... – 76 9 –

Construction ...................................................... – 80 – 10

Manufacturing .................................................... – 75 9 –

Service-providing industries .................................. – 77 4 –

Information ......................................................... – 88 – 7

Real estate and rental and leasing ................ – 77 – 17

Professional and business services .................. – 77 – 16

Administrative and waste services ................ – 68 – 13

Education and health services ........................... – 79 3 –

Educational services ...................................... 2 78 5 15

Junior colleges, colleges, and universities 3 77 8 12

Health care and social assistance ................. – 79 – 14

Leisure and hospitality ....................................... – 85 – 9

Accommodation and food services ................ – 95 – 4

50 to 99 workers ................................................ – 74 7 –

100 workers or more .............................................. 2 ( ) 79 6 15

500 workers or more .......................................... 1 78 7 14

Geographic area

New England ......................................................... – 82 1 –

West North Central ................................................ – 80 – 15

East South Central ................................................ – 83 – 13

Mountain ................................................................ – 75 – 15

See footnotes at end of table.
Table 33. Inpatient drug rehabilitation benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2008—Continued

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

Characteristic

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 ( ) 79 5 16 – 68 9 –

Worker characteristic

Management, professional, and related ................ 2 ( ) 80 3 17 – 72 7 –

Management, business, and financial ............... 1 79 – – – 76 – 15

Service ................................................................... – 81 – 14 – 64 – 15

Office and administrative support ...................... 2 ( ) 78 – – – 63 – 19

Installation, maintenance, and repair ................. – 88 – 9 – 70 – 14

Production, transportation, and material moving ... – 77 7 – – 71 – 14

Production ......................................................... – 74 8 – – 71 – 13

Transportation and material moving .................. – 81 – 14 – 70 – 16

Full time ................................................................. 2 ( ) 80 4 16 – 69 9 –

Union ..................................................................... – 83 – 9 – 77 – 15

Nonunion ............................................................... 2 ( ) 79 4 17 – 66 10 –

Average wage within the following percentiles:3

10 to under 25 ................................................... – 72 – 16 – 56 – 13

50 to under 75 ................................................... – 81 4 – – 70 10 –

75 to under 90 ................................................... – 83 3 – – 75 8 –

Establishment characteristic

Goods-producing industries ................................... – 78 8 – – 69 13 –

Construction ...................................................... – 84 – 9 – 64 – 14

Manufacturing .................................................... – 76 8 – – 70 – 16

Service-providing industries .................................. 2 ( ) 80 3 17 – 68 9 –

Information ......................................................... – 88 – 7 – 89 – 8

Real estate and rental and leasing ................ – 81 – 19 – – – 13

Professional and business services .................. – 75 – 19 – 85 – 7

Administrative and waste services ................ – 66 – 14 – 74 – 11

Education and health services ........................... – 85 1 – – 62 – 17

Educational services ...................................... – 79 – 14 – 75 – 17

Junior colleges, colleges, and universities – 79 – 9 – 75 – 16

Health care and social assistance ................. – 86 – 13 – 58 – 17

Leisure and hospitality ....................................... – 90 – 6 – 72 – 15

Accommodation and food services ................ – 96 – 3 – 93 – 7

50 to 99 workers ................................................ – 76 – 18 – 64 16 –

100 workers or more .............................................. 2 ( ) 79 6 15 – 77 6 –

500 workers or more .......................................... 1 78 – – – 79 – 13

Geographic area

New England ......................................................... – 83 – 17 – 82 – 13

West North Central ................................................ – 81 – 15 – 71 – 19

East South Central ................................................ – 82 – 14 – 92 – 7

Mountain ................................................................ – 75 – 16 – 76 – 10

1 Limits may be set in terms of dollard 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 percent. 3 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 33. Standard errors for inpatient drug rehabilitation benefits: Extent

of coverage by type of plan, private industry workers, National

Compensation Survey, 2008

Characteristic

All plans

Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

All workers ............................................................. – 1.3 0.8 –

Worker characteristic

Management, professional, and related ................ 0.2 2.0 0.7 1.8

Management, business, and financial ............... – 1.8 1.1 –

Service ................................................................... – 4.1 – 2.9

Office and administrative support ...................... – 2.5 – 1.4

Installation, maintenance, and repair ................. – 3.1 – 2.3

Production, transportation, and material moving ... – 2.6 1.8 –

Production ......................................................... – 3.3 2.2 –

Transportation and material moving .................. – 3.9 – 2.8

Full time ................................................................. – 1.3 0.7 –

Union ..................................................................... – 2.7 – 1.5

Nonunion ............................................................... – 1.5 0.9 –

Average wage within the following percentiles:3

10 to under 25 ................................................... – 5.2 – 3.3

50 to under 75 ................................................... – 1.6 1.1 –

75 to under 90 ................................................... 0.2 1.4 0.7 1.1

Establishment characteristic

Goods-producing industries ................................... – 2.2 1.5 –

Construction ...................................................... – 4.3 – 2.1

Manufacturing .................................................... – 3.0 1.7 –

Service-providing industries .................................. – 1.6 0.9 –

Information ......................................................... – 3.6 – 2.3

Real estate and rental and leasing ................ – 7.8 – 7.2

Professional and business services .................. – 4.7 – 3.9

Administrative and waste services ................ – 8.8 – 4.9

Education and health services ........................... – 3.5 0.8 –

Educational services ...................................... 0.6 4.5 1.3 4.5

Junior colleges, colleges, and universities 0.6 3.4 2.1 3.3

Health care and social assistance ................. – 4.1 – 3.0

Leisure and hospitality ....................................... – 4.6 – 3.8

Accommodation and food services ................ – 2.6 – 2.4

50 to 99 workers ................................................ – 3.5 2.1 –

100 workers or more .............................................. 2 ( ) 1.7 1.0 1.5

500 workers or more .......................................... 0.2 2.5 1.7 2.0

Geographic area

New England ......................................................... – 4.8 0.1 –

West North Central ................................................ – 3.3 – 3.4

East South Central ................................................ – 5.6 – 4.5

Mountain ................................................................ – 6.7 – 4.7

See footnotes at end of table.
Table 33. Standard errors for inpatient drug rehabilitation benefits: Extent of coverage by type of plan, private

industry workers, National Compensation Survey, 2008—Continued

Characteristic

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 ( ) 1.4 0.8 1.2 – 2.8 1.4 –

Worker characteristic

Management, professional, and related ................ 2 ( ) 2.4 0.6 2.2 – 3.7 1.8 –

Management, business, and financial ............... 0.2 2.3 – – – 4.8 – 4.0

Service ................................................................... – 4.7 – 3.8 – 7.4 – 3.8

Office and administrative support ...................... 2 ( ) 2.7 – – – 6.4 – 3.1

Installation, maintenance, and repair ................. – 2.5 – 2.4 – 9.0 – 4.1

Production, transportation, and material moving ... – 3.0 1.8 – – 4.7 – 4.2

Production ......................................................... – 3.7 2.0 – – 7.0 – 5.0

Transportation and material moving .................. – 3.5 – 2.5 – 10.1 – 7.6

Full time ................................................................. 2 ( ) 1.4 0.6 1.3 – 3.0 1.5 –

Union ..................................................................... – 3.2 – 1.8 – 3.4 – 3.4

Nonunion ............................................................... 2 ( ) 1.6 0.9 1.3 – 3.4 1.7 –

Average wage within the following percentiles:3

10 to under 25 ................................................... – 6.3 – 3.7 – 7.5 – 4.7

50 to under 75 ................................................... – 1.8 1.0 – – 3.1 2.3 –

75 to under 90 ................................................... – 1.5 0.6 – – 4.0 2.0 –

Establishment characteristic

Goods-producing industries ................................... – 2.5 1.6 – – 5.1 3.3 –

Construction ...................................................... – 4.0 – 2.1 – 7.4 – 5.9

Manufacturing .................................................... – 3.6 2.1 – – 6.2 – 5.3

Service-providing industries .................................. 2 ( ) 1.7 0.9 1.4 – 3.5 1.9 –

Information ......................................................... – 3.6 – 2.2 – 5.6 – 4.9

Real estate and rental and leasing ................ – 8.7 – 8.3 – – – 7.6

Professional and business services .................. – 5.7 – 4.8 – 7.2 – 5.4

Administrative and waste services ................ – 10.2 – 5.7 – 16.3 – 11.4

Education and health services ........................... – 3.1 0.3 – – 9.4 – 5.7

Educational services ...................................... – 5.1 – 4.7 – 5.3 – 5.9

Junior colleges, colleges, and universities – 4.1 – 3.1 – 3.6 – 3.9

Health care and social assistance ................. – 3.5 – 3.5 – 11.6 – 6.9

Leisure and hospitality ....................................... – 4.7 – 3.8 – 9.6 – 7.9

Accommodation and food services ................ – 2.6 – 2.0 – 6.2 – 6.2

50 to 99 workers ................................................ – 4.1 – 3.5 – 6.3 4.2 –

100 workers or more .............................................. 2 ( ) 1.9 1.2 1.7 – 3.0 1.6 –

500 workers or more .......................................... 0.1 2.6 – – – 4.3 – 2.6

Geographic area

New England ......................................................... – 4.2 – 4.3 – 11.2 – 8.5

West North Central ................................................ – 3.4 – 3.3 – 13.2 – 10.3

East South Central ................................................ – 6.2 – 5.1 – 6.7 – 5.6

Mountain ................................................................ – 7.3 – 5.8 – 10.5 – 3.7

1 Limits may be set in terms of dollard 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 percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 34. Outpatient drug rehabilitation benefits: Extent of coverage by

type of plan, private industry workers, National Compensation Survey,

2008

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

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. – 79 4 –

Worker characteristic

Management, professional, and related ................ – 80 2 –

Management, business, and financial ............... – 81 – 17

Professional and related .................................... – 79 2 –

Service ................................................................... – 75 – 18

Office and administrative support ...................... – 78 – 17

Natural resources, construction, and maintenance – 83 – 12

Installation, maintenance, and repair ................. – 85 – 11

Production, transportation, and material moving ... – 79 5 –

Production ......................................................... – 76 6 –

Transportation and material moving .................. – 84 – 13

Full time ................................................................. – 79 3 –

Union ..................................................................... – 80 – 13

Nonunion ............................................................... 1 ( ) 79 4 18

Average wage within the following percentiles:2

50 to under 75 ................................................... – 81 3 –

75 to under 90 ................................................... – 83 3 –

Establishment characteristic

Goods-producing industries ................................... – 79 6 –

Construction ...................................................... – 85 – 10

Manufacturing .................................................... – 77 6 –

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

Transportation and warehousing ................... – 86 – 14

Information ......................................................... – 84 – 12

Real estate and rental and leasing ................ – 80 – 17

Education and health services ........................... – 82 – 14

Educational services ...................................... – 84 1 –

Health care and social assistance ................. – 81 – 14

Leisure and hospitality ....................................... – 88 – 9

Accommodation and food services ................ – 95 – 4

Other services ................................................... – 89 – 7

1 to 99 workers ...................................................... – 79 3 –

1 to 49 workers .................................................. – 80 3 –

50 to 99 workers ................................................ – 74 – 19

100 workers or more .............................................. 1 ( ) 79 4 17

500 workers or more .......................................... – 78 – 17

Geographic area

New England ......................................................... – 82 – 14

Middle Atlantic ....................................................... – 83 – 15

West North Central ................................................ – 81 – 16

East South Central ................................................ – 83 – 14

Mountain ................................................................ – 75 – 15

See footnotes at end of table.
Table 34. Outpatient drug rehabilitation benefits: Extent of coverage by type of plan, private industry workers,

National Compensation Survey, 2008—Continued

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

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. – 79 4 – – 79 3 –

Worker characteristic

Management, professional, and related ................ – 80 2 – – 78 – 18

Management, business, and financial ............... – 80 – 17 – 83 – 15

Professional and related .................................... – 80 – 17 – 75 – 19

Service ................................................................... – 73 – 19 – 83 – 15

Office and administrative support ...................... – 77 – 17 – 80 – 18

Natural resources, construction, and maintenance – 85 – 9 – 76 – 19

Installation, maintenance, and repair ................. – 87 – 11 – 78 – 14

Production, transportation, and material moving ... – 78 5 – – 84 – 11

Production ......................................................... – 75 6 – – 81 – 12

Transportation and material moving .................. – 82 – 14 – 88 – 9

Full time ................................................................. – 79 3 – – 79 3 –

Union ..................................................................... – 79 – 12 – 83 – 16

Nonunion ............................................................... 1 ( ) 79 3 18 – 78 4 –

Average wage within the following percentiles:2

50 to under 75 ................................................... – 81 3 – – 81 – 16

75 to under 90 ................................................... – 83 2 – – 82 – 15

Establishment characteristic

Goods-producing industries ................................... – 79 7 – – 82 – 14

Construction ...................................................... – 85 – 9 – 87 – 11

Manufacturing .................................................... – 77 6 – – 80 – 15

Service-providing industries .................................. – 79 3 – – 78 – 18

Transportation and warehousing ................... – 84 – 16 – 92 – 8

Information ......................................................... – 85 – 11 – 75 – 16

Real estate and rental and leasing ................ – 81 – 19 – 78 – 13

Education and health services ........................... – 83 – 13 – 79 – 16

Educational services ...................................... – 84 – 14 – 83 – 16

Health care and social assistance ................. – 82 – 13 – 78 – 17

Leisure and hospitality ....................................... – 90 – 6 – 83 – 17

Accommodation and food services ................ – 96 – 3 – 93 – 7

Other services ................................................... – 98 – 1 – 71 – 18

1 to 99 workers ...................................................... – 79 – 17 – 77 5 –

1 to 49 workers .................................................. – 81 – 16 – 78 4 –

50 to 99 workers ................................................ – 74 – 19 – 76 – 15

100 workers or more .............................................. 1 ( ) 78 5 16 – 80 – 18

500 workers or more .......................................... – 76 – 17 – 83 – 14

Geographic area

New England ......................................................... – 79 – 16 – 86 – 13

Middle Atlantic ....................................................... – 84 – 13 – 80 – 19

West North Central ................................................ – 81 – 16 – 81 – 19

East South Central ................................................ – 82 – 14 – 92 – 7

Mountain ................................................................ – 73 – 16 – 84 – 12

1 Less than 0.5 percent. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 34. Standard errors for outpatient drug rehabilitation benefits:

Extent of coverage by type of plan, private industry workers, National

Compensation Survey, 2008

Characteristic

All plans

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. – 1.2 0.6 –

Worker characteristic

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

Management, business, and financial ............... – 1.6 – 1.6

Professional and related .................................... – 2.8 0.7 –

Service ................................................................... – 3.9 – 3.3

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

Natural resources, construction, and maintenance – 3.1 – 2.3

Installation, maintenance, and repair ................. – 2.8 – 2.4

Production, transportation, and material moving ... – 2.3 1.1 –

Production ......................................................... – 3.0 1.6 –

Transportation and material moving .................. – 2.8 – 2.2

Full time ................................................................. – 1.2 0.4 –

Union ..................................................................... – 3.2 – 1.9

Nonunion ............................................................... 1 ( ) 1.3 0.6 1.1

Average wage within the following percentiles:2

50 to under 75 ................................................... – 1.6 0.5 –

75 to under 90 ................................................... – 1.4 0.5 –

Establishment characteristic

Goods-producing industries ................................... – 2.3 1.3 –

Construction ...................................................... – 4.4 – 2.4

Manufacturing .................................................... – 2.9 1.4 –

Service-providing industries .................................. – 1.4 0.7 –

Transportation and warehousing ................... – 4.1 – 4.1

Information ......................................................... – 4.5 – 3.4

Real estate and rental and leasing ................ – 7.8 – 7.2

Education and health services ........................... – 2.8 – 2.6

Educational services ...................................... – 3.9 0.4 –

Health care and social assistance ................. – 3.2 – 3.0

Leisure and hospitality ....................................... – 4.2 – 3.8

Accommodation and food services ................ – 2.6 – 2.4

Other services ................................................... – 6.1 – 5.8

1 to 99 workers ...................................................... – 1.9 0.8 –

1 to 49 workers .................................................. – 2.2 0.8 –

50 to 99 workers ................................................ – 3.5 – 3.1

100 workers or more .............................................. 1 ( ) 1.5 0.8 1.5

500 workers or more .......................................... – 2.2 – 2.2

Geographic area

New England ......................................................... – 4.5 – 4.1

Middle Atlantic ....................................................... – 3.3 – 1.8

West North Central ................................................ – 3.4 – 3.4

East South Central ................................................ – 5.0 – 4.3

Mountain ................................................................ – 6.0 – 4.8

See footnotes at end of table.
Table 34. Standard errors for outpatient drug rehabilitation benefits: Extent of coverage by type of plan,

private industry workers, National Compensation Survey, 2008—Continued

Characteristic

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

Full

coverage

Coverage

with limits

No

coverage

Not

determinable

All workers ............................................................. – 1.4 0.7 – – 1.9 0.8 –

Worker characteristic

Management, professional, and related ................ – 2.3 0.5 – – 3.1 – 2.7

Management, business, and financial ............... – 1.9 – 1.8 – 4.1 – 4.0

Professional and related .................................... – 3.3 – 3.3 – 4.8 – 4.2

Service ................................................................... – 4.7 – 4.0 – 4.3 – 3.8

Office and administrative support ...................... – 2.7 – 1.7 – 3.8 – 3.4

Natural resources, construction, and maintenance – 2.9 – 2.2 – 6.0 – 5.8

Installation, maintenance, and repair ................. – 2.7 – 2.6 – 5.9 – 4.0

Production, transportation, and material moving ... – 2.8 1.4 – – 3.1 – 3.3

Production ......................................................... – 3.5 1.7 – – 6.2 – 5.0

Transportation and material moving .................. – 3.1 – 2.4 – 5.2 – 3.6

Full time ................................................................. – 1.4 0.5 – – 2.0 0.8 –

Union ..................................................................... – 4.2 – 2.3 – 2.8 – 2.9

Nonunion ............................................................... 1 ( ) 1.4 0.8 1.3 – 2.4 0.9 –

Average wage within the following percentiles:2

50 to under 75 ................................................... – 1.8 0.6 – – 2.5 – 2.0

75 to under 90 ................................................... – 1.5 0.5 – – 3.2 – 2.8

Establishment characteristic

Goods-producing industries ................................... – 2.4 1.4 – – 5.5 – 3.9

Construction ...................................................... – 4.0 – 2.0 – 9.1 – 9.0

Manufacturing .................................................... – 3.3 1.6 – – 5.9 – 5.1

Service-providing industries .................................. – 1.6 0.9 – – 2.3 – 1.8

Transportation and warehousing ................... – 4.9 – 4.9 – 5.4 – 5.3

Information ......................................................... – 4.4 – 3.2 – 8.2 – 6.9

Real estate and rental and leasing ................ – 8.3 – 8.3 – 12.4 – 7.6

Education and health services ........................... – 3.2 – 3.1 – 6.0 – 5.4

Educational services ...................................... – 5.0 – 4.9 – 3.2 – 3.1

Health care and social assistance ................. – 3.6 – 3.5 – 7.7 – 6.9

Leisure and hospitality ....................................... – 4.7 – 3.8 – 7.8 – 7.8

Accommodation and food services ................ – 2.6 – 2.0 – 6.2 – 6.2

Other services ................................................... – 1.8 – 1.7 – 15.5 – 14.8

1 to 99 workers ...................................................... – 2.2 – 1.9 – 4.1 1.0 –

1 to 49 workers .................................................. – 2.4 – 2.2 – 4.7 1.0 –

50 to 99 workers ................................................ – 4.5 – 3.6 – 6.8 – 6.0

100 workers or more .............................................. 1 ( ) 1.7 1.0 1.6 – 2.9 – 2.8

500 workers or more .......................................... – 2.5 – 2.4 – 3.1 – 3.0

Geographic area

New England ......................................................... – 2.0 – 4.2 – 9.6 – 8.3

Middle Atlantic ....................................................... – 4.7 – 2.7 – 4.1 – 3.8

West North Central ................................................ – 3.4 – 3.4 – 10.3 – 10.3

East South Central ................................................ – 5.5 – 4.7 – 6.0 – 5.6

Mountain ................................................................ – 7.3 – 5.9 – 2.6 – 3.6

1 Less than 0.05. 2 The percentile groupings are based on the average wage for each

occupation surveyed, which may include workers both above and below the

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

"National Compensation Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 35. Mental health care benefits: Median number of days or visits covered per year for

selected services by type of plan, private industry workers, National Compensation

Survey, 2008

(Includes all workers participating in plans with specified day limits)

Characteristic

Inpatient care Outpatient care1

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All workers ............................................................. 30 30 30 30 30 20

Worker characteristic

Management, professional, and related ................ 30 30 30 30 30 20

Management, business, and financial ............... 30 30 30 30 30 20

Professional and related .................................... 30 30 30 30 30 20

Service ................................................................... 30 30 30 26 30 20

Sales and office ..................................................... 30 30 30 30 30 21

Sales and related ............................................... 30 30 30 30 30 –

Office and administrative support ...................... 30 30 30 30 30 21

Natural resources, construction, and maintenance 30 30 30 25 26 24

Construction, extraction, farming, fishing, and

forestry ............................................................. 30 30 30 25 30 25

Installation, maintenance, and repair ................. 30 30 30 25 26 20

Production, transportation, and material moving ... 30 30 30 30 30 20

Production ......................................................... 30 30 30 30 30 20

Transportation and material moving .................. 30 30 30 30 30 20

Full time ................................................................. 30 30 30 30 30 20

Part time ................................................................ 30 30 45 30 30 20

Union ..................................................................... 30 30 30 30 30 20

Nonunion ............................................................... 30 30 30 30 30 20

Average wage within the following percentiles:2

Less than 10 ...................................................... 30 30 30 30 30 20

10 to under 25 ................................................... 30 30 30 26 30 20

25 to under 50 ................................................... 30 30 30 30 30 20

50 to under 75 ................................................... 30 30 30 30 30 20

75 to under 90 ................................................... 30 30 30 30 30 24

90 or greater ...................................................... 30 30 30 30 30 20

Establishment characteristic

Goods-producing industries ................................... 30 30 30 30 30 20

Construction ...................................................... 30 30 30 25 25 24

Manufacturing .................................................... 30 30 30 30 30 20

Service-providing industries .................................. 30 30 30 30 30 20

Trade, transportation, and utilities ..................... 30 30 30 30 30 20

Wholesale trade ............................................. 30 30 30 30 30 20

Retail trade .................................................... 30 30 30 30 30 24

Transportation and warehousing ................... 30 30 – – 30 20

Utilities ........................................................... 30 30 30 30 30 20

Information ......................................................... 30 30 30 30 30 40

Financial activities ............................................. 30 30 30 30 30 30

Finance and insurance .................................. 30 30 30 30 30 –

Credit intermediation and related activities 30 30 30 30 30 –

Insurance carriers and related activities .... 30 30 – 29 30 20

Real estate and rental and leasing ................ 30 30 – 30 30 –

Professional and business services .................. 30 30 30 24 30 20

Professional and technical services .............. 30 30 – 24 30 20

Administrative and waste services ................ 30 30 45 20 24 20

See footnotes at end of table.
Table 35. Mental health care benefits: Median number of days or visits covered per year for

selected services by type of plan, private industry workers, National Compensation

Survey, 2008—Continued

(Includes all workers participating in plans with specified day limits)

Characteristic

Inpatient care Outpatient care1

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All

plans

Fee-forservice

plans

Health

maintenance

organizations

Establishment characteristic

Education and health services ........................... 30 30 30 30 30 20

Educational services ...................................... 30 30 30 30 30 24

Junior colleges, colleges, and universities 30 30 30 30 30 25

Health care and social assistance ................. 30 30 30 30 30 20

Leisure and hospitality ....................................... 30 30 30 26 30 20

Accommodation and food services ................ 30 30 30 26 30 20

Other services ................................................... 30 30 30 24 30 20

1 to 99 workers ...................................................... 30 30 30 30 30 20

1 to 49 workers .................................................. 30 30 30 25 30 20

50 to 99 workers ................................................ 30 30 30 30 30 21

100 workers or more .............................................. 30 30 30 30 30 20

100 to 499 workers ............................................ 30 30 30 30 30 20

500 workers or more .......................................... 30 30 30 30 30 20

Geographic area

New England ......................................................... – 30 60 25 30 24

Middle Atlantic ....................................................... 30 30 30 30 30 24

East North Central ................................................. 30 30 30 30 30 20

West North Central ................................................ 30 30 30 30 30 25

South Atlantic ........................................................ 30 30 30 30 30 30

East South Central ................................................ 30 30 30 30 30 25

West South Central ............................................... 30 30 30 30 30 –

Mountain ................................................................ 30 30 – 21 24 20

Pacific .................................................................... 30 30 30 20 25 20

1 Includes treatment in one or more of the following: outpatient

department of a hospital, residential tratment center, organized

outpatient clinic, day-night treatment center, or doctor’s office. 2 The percentile groupings are based on the average wage for

each occupation surveyed, which may include workers both above

and below the threshold. The percentile values are based on the

estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 35. Standard errors for mental health care benefits: Median number of days or visits

covered per year for selected services by type of plan, private industry workers, National

Compensation Survey, 2008

Characteristic

Inpatient care Outpatient care

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All workers ............................................................. 0.0 0.0 0.0 0.0 0.0 0.0

Worker characteristic

Management, professional, and related ................ 0.0 0.0 0.0 0.0 0.0 0.0

Management, business, and financial ............... 0.0 0.0 0.0 0.0 0.0 5.8

Professional and related .................................... 0.0 0.0 0.0 6.7 0.0 0.0

Service ................................................................... 0.0 0.0 0.0 3.6 1.4 0.0

Sales and office ..................................................... 0.0 0.0 0.0 0.0 0.0 4.4

Sales and related ............................................... 0.0 0.0 0.0 0.0 0.0 –

Office and administrative support ...................... 0.0 0.0 0.0 0.0 0.0 4.4

Natural resources, construction, and maintenance 0.0 0.0 0.0 0.5 4.9 5.0

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.0 0.0 0.0 6.3 4.4 0.6

Installation, maintenance, and repair ................. 0.0 0.0 0.0 0.2 2.1 2.5

Production, transportation, and material moving ... 0.0 0.0 0.0 0.8 0.0 0.0

Production ......................................................... 0.0 0.0 0.0 2.2 0.0 0.0

Transportation and material moving .................. 0.0 0.0 0.0 0.0 0.0 0.0

Full time ................................................................. 0.0 0.0 0.0 0.0 0.0 0.0

Part time ................................................................ 0.0 0.0 0.0 6.0 0.0 0.0

Union ..................................................................... 0.0 0.0 0.0 2.6 0.0 0.0

Nonunion ............................................................... 0.0 0.0 0.0 0.0 0.0 0.0

Average wage within the following percentiles:1

Less than 10 ...................................................... 0.0 0.0 0.0 0.0 1.4 0.0

10 to under 25 ................................................... 0.0 0.0 0.0 4.6 0.0 0.0

25 to under 50 ................................................... 0.0 0.0 0.0 0.8 0.0 0.0

50 to under 75 ................................................... 0.0 0.0 0.0 1.9 0.0 1.4

75 to under 90 ................................................... 0.0 0.0 0.0 0.0 0.0 4.5

90 or greater ...................................................... 0.0 0.0 0.0 0.0 0.0 0.8

Establishment characteristic

Goods-producing industries ................................... 0.0 0.0 0.0 2.5 0.0 2.0

Construction ...................................................... 0.0 0.0 0.0 5.0 6.9 6.1

Manufacturing .................................................... 0.0 0.0 0.0 1.1 0.0 0.0

Service-providing industries .................................. 0.0 0.0 0.0 0.0 0.0 0.0

Trade, transportation, and utilities ..................... 0.0 0.0 0.0 0.0 0.0 1.4

Wholesale trade ............................................. 0.0 0.0 0.0 0.0 6.7 1.9

Retail trade .................................................... 0.0 0.0 0.0 0.0 0.0 4.3

Transportation and warehousing ................... 0.0 0.0 – – 2.8 1.7

Utilities ........................................................... 0.0 0.0 0.0 0.0 5.2 1.7

Information ......................................................... 0.0 1.0 0.0 0.0 0.0 11.4

Financial activities ............................................. 0.0 0.0 0.0 0.0 0.0 6.7

Finance and insurance .................................. 0.0 0.0 0.0 0.0 0.0 –

Credit intermediation and related activities 0.0 0.0 0.0 0.0 3.9 –

Insurance carriers and related activities .... 0.0 0.0 – 3.7 0.9 5.6

Real estate and rental and leasing ................ 0.0 0.0 – 0.0 0.0 –

Professional and business services .................. 0.0 0.0 4.2 4.8 2.9 0.0

Professional and technical services .............. 0.0 0.0 – 4.6 6.3 3.6

Administrative and waste services ................ 0.0 0.0 9.8 3.1 5.6 0.0

See footnotes at end of table.
Table 35. Standard errors for mental health care benefits: Median number of days or visits

covered per year for selected services by type of plan, private industry workers, National

Compensation Survey, 2008—Continued

Characteristic

Inpatient care Outpatient care

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All

plans

Fee-forservice

plans

Health

maintenance

organizations

Establishment characteristic

Education and health services ........................... 0.0 0.0 2.0 5.2 0.0 3.1

Educational services ...................................... 0.0 0.0 0.0 2.4 0.0 0.0

Junior colleges, colleges, and universities 0.0 0.0 0.0 0.0 0.0 1.2

Health care and social assistance ................. 0.0 0.0 7.7 6.1 2.4 2.1

Leisure and hospitality ....................................... 0.0 0.0 0.0 3.3 2.5 0.0

Accommodation and food services ................ 0.0 0.0 0.0 4.3 4.7 0.0

Other services ................................................... 0.0 0.0 0.0 6.3 5.9 0.0

1 to 99 workers ...................................................... 0.0 0.0 0.0 4.2 0.0 1.0

1 to 49 workers .................................................. 0.0 0.0 0.0 5.7 0.0 2.2

50 to 99 workers ................................................ 0.0 0.0 0.0 1.6 0.0 2.1

100 workers or more .............................................. 0.0 0.0 0.0 0.0 0.0 0.0

100 to 499 workers ............................................ 0.0 0.0 0.0 0.0 0.0 0.0

500 workers or more .......................................... 0.0 0.0 0.0 0.0 0.0 0.0

Geographic area

New England ......................................................... – 0.0 0.0 3.1 0.0 0.0

Middle Atlantic ....................................................... 0.0 0.0 0.0 0.0 0.0 6.7

East North Central ................................................. 0.0 0.0 0.0 0.0 0.0 0.0

West North Central ................................................ 0.0 0.0 0.0 0.0 1.4 5.8

South Atlantic ........................................................ 0.0 0.0 0.0 0.0 0.0 6.4

East South Central ................................................ 0.0 0.0 0.0 3.2 2.1 0.0

West South Central ............................................... 0.0 0.0 0.0 0.0 0.0 –

Mountain ................................................................ 0.0 0.0 – 3.2 3.7 0.0

Pacific .................................................................... 0.0 0.0 0.0 3.3 3.9 0.0

1 The percentile groupings are based on the average wage for

each occupation surveyed, which may include workers both above

and below the threshold. The percentile values are based on the

estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 36. Substance abuse treatment benefits:1 Median days covered per year for selected services by type of plan,

private industry workers, National Compensation Survey, 2008

(Includes all workers participating in plans with specified day limits)

Characteristic

Inpatient detoxification2 Inpatient rehabilitation3 Outpatient rehabilitation4

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 ............................................................. 30 30 30 30 30 30 30 30 30

Worker characteristic

Management, professional, and related ................ 30 30 30 30 30 30 30 30 30

Management, business, and financial ............... 30 30 30 30 30 30 30 30 30

Professional and related .................................... 30 30 30 30 30 30 30 30 30

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

Sales and office ..................................................... 30 30 30 30 30 30 30 30 30

Sales and related ............................................... 30 30 30 30 30 30 30 30 30

Office and administrative support ...................... 30 30 30 30 30 30 30 30 30

Natural resources, construction, and maintenance 30 30 30 30 30 30 30 30 35

Construction, extraction, farming, fishing, and

forestry ............................................................. 30 30 30 30 30 45 30 25 35

Installation, maintenance, and repair ................. 30 30 – 30 30 30 30 30 35

Production, transportation, and material moving ... 30 30 30 30 30 30 30 30 26

Production ......................................................... 30 30 30 30 30 30 30 35 30

Transportation and material moving .................. 30 30 – 30 30 30 30 30 24

Full time ................................................................. 30 30 30 30 30 30 30 30 30

Part time ................................................................ 30 30 30 30 30 30 30 30 30

Union ..................................................................... 30 30 30 30 30 30 30 30 30

Nonunion ............................................................... 30 30 30 30 30 30 30 30 30

Average wage within the following percentiles:5

Less than 10 ...................................................... 30 30 – 30 30 30 – 35 –

10 to under 25 ................................................... 30 30 – 30 30 30 30 30 –

25 to under 50 ................................................... 30 30 30 30 30 30 30 30 30

50 to under 75 ................................................... 30 30 30 30 30 30 30 30 30

75 to under 90 ................................................... 30 30 30 30 30 30 30 30 30

90 or greater ...................................................... 30 30 30 30 30 30 30 30 30

Establishment characteristic

Goods-producing industries ................................... 30 30 30 30 30 30 30 30 30

Construction ...................................................... 30 30 30 30 30 30 30 – –

Manufacturing .................................................... 30 30 30 30 30 30 30 35 30

Service-providing industries .................................. 30 30 30 30 30 30 30 30 30

Trade, transportation, and utilities ..................... 30 30 30 30 30 30 30 30 30

Wholesale trade ............................................. 30 30 30 30 30 30 30 30 20

Retail trade .................................................... 30 30 30 30 30 – 30 30 32

Transportation and warehousing ................... 30 30 – 30 30 – 30 30 25

Utilities ........................................................... 30 30 30 30 30 30 – – –

Information ......................................................... 30 30 – – – – – 30 50

Financial activities ............................................. 30 30 30 30 30 30 30 30 30

Finance and insurance .................................. 30 30 30 30 30 30 30 30 30

Credit intermediation and related activities 30 30 30 30 30 30 – – 30

Insurance carriers and related activities .... 30 30 30 30 30 – 30 30 –

Real estate and rental and leasing ................ 30 30 – 30 30 – 30 30 –

Professional and business services .................. 30 30 30 30 30 30 30 32 20

Professional and technical services .............. 30 – 30 30 – 30 32 35 20

Administrative and waste services ................ 30 30 30 30 30 – 30 30 20

See footnotes at end of table.
Table 36. Substance abuse treatment benefits:1 Median days covered per year for selected services by type of plan,

private industry workers, National Compensation Survey, 2008—Continued

(Includes all workers participating in plans with specified day limits)

Characteristic

Inpatient detoxification2 Inpatient rehabilitation3 Outpatient rehabilitation4

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All

plans

Fee-forservice

plans

Health

maintenance

organizations

Establishment characteristic

Education and health services ........................... 30 30 – 30 30 30 30 30 30

Educational services ...................................... 30 30 – 30 30 30 30 30 32

Junior colleges, colleges, and universities 30 30 30 30 30 30 50 – 60

Health care and social assistance ................. 30 30 – 30 30 30 30 30 30

Leisure and hospitality ....................................... 30 30 – 30 30 30 30 30 –

Accommodation and food services ................ 30 30 – 30 30 – 30 30 –

Other services ................................................... 30 30 – 30 30 – 30 30 –

1 to 99 workers ...................................................... 30 30 30 30 30 30 30 30 30

1 to 49 workers .................................................. 30 30 30 30 30 30 30 30 30

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

100 workers or more .............................................. 30 30 30 30 30 30 30 30 30

100 to 499 workers ............................................ 30 30 30 30 30 30 30 30 30

500 workers or more .......................................... 30 30 30 30 30 30 30 30 32

Geographic area

New England ......................................................... 30 30 30 30 30 30 30 30 30

Middle Atlantic ....................................................... – – – 30 30 30 60 50 60

East North Central ................................................. 30 30 30 30 30 30 30 30 25

West North Central ................................................ 30 30 – 30 30 – 30 30 26

South Atlantic ........................................................ 30 30 30 30 30 30 30 30 30

East South Central ................................................ 30 30 30 30 30 30 30 30 25

West South Central ............................................... 30 30 30 30 30 30 30 30 –

Mountain ................................................................ 30 30 30 30 30 30 24 24 –

Pacific .................................................................... 30 30 30 30 30 – 30 30 –

1 Substance abuse treatment benefits provide inpatient and outpatient care for

alcohol or drug dependency. 2 Inpatient detoxification is the systematic use of medication and other methods

under medical supervision to reduce or eliminate the effects of substance abuse. 3 Inpatient rehabilitation is designed to alter abusive behavior in patients once they

are free of acute physical and mental complications. 4 Outpatient rehabilitation includes treatment in one or more of the following:

outpatient department of a hospital, residentail treatment center, organized outpatient

clinic, day-night treatment center, or doctor’s office.

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

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

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 36. Standard errors for substance abuse treatment benefits:1 Median days covered per year for selected

services by type of plan, private industry workers, National Compensation Survey, 2008

Characteristic

Inpatient detoxification2 Inpatient rehabilitation3 Outpatient rehabilitation4

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 0.0 0.0 0.0 0.0 0.0 0.0

Worker characteristic

Management, professional, and related ................ 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Management, business, and financial ............... 0.0 0.0 0.0 0.0 0.0 0.0 1.6 2.2 1.4

Professional and related .................................... 0.0 0.0 5.2 0.0 0.0 0.0 0.0 0.0 2.9

Service ................................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 –

Sales and office ..................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Sales and related ............................................... 0.0 0.0 2.3 0.0 0.0 0.0 0.0 0.0 0.0

Office and administrative support ...................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Natural resources, construction, and maintenance 0.0 0.0 4.0 0.0 0.0 4.2 0.0 3.4 2.2

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.0 0.0 2.9 0.0 0.0 7.8 4.1 6.9 2.8

Installation, maintenance, and repair ................. 0.0 0.0 – 0.0 0.0 0.0 0.0 1.0 8.4

Production, transportation, and material moving ... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.1 5.8

Production ......................................................... 0.0 0.0 0.0 0.0 0.0 0.0 4.1 4.5 4.9

Transportation and material moving .................. 0.0 0.0 – 0.0 0.0 0.0 0.0 0.0 7.1

Full time ................................................................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Part time ................................................................ 0.0 0.0 0.0 0.0 0.0 0.0 1.7 2.0 4.5

Union ..................................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.7 2.6

Nonunion ............................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Average wage within the following percentiles:5

Less than 10 ...................................................... 6.6 5.9 – 0.0 0.0 0.0 – 9.6 –

10 to under 25 ................................................... 0.0 0.0 – 0.0 0.0 0.0 0.0 0.0 –

25 to under 50 ................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.0

50 to under 75 ................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

75 to under 90 ................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.7 1.2 0.6

90 or greater ...................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.8

Establishment characteristic

Goods-producing industries ................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.9 2.4 1.0

Construction ...................................................... 0.0 0.0 5.4 0.0 0.0 4.2 0.0 – –

Manufacturing .................................................... 0.0 0.0 0.0 0.0 0.0 0.0 4.5 3.3 1.4

Service-providing industries .................................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Trade, transportation, and utilities ..................... 0.0 0.0 0.6 0.0 0.0 0.0 0.0 0.0 3.5

Wholesale trade ............................................. 0.0 0.0 5.9 0.0 0.0 0.0 1.7 6.5 2.9

Retail trade .................................................... 0.0 0.0 0.0 0.0 0.0 – 0.0 0.0 2.4

Transportation and warehousing ................... 7.2 7.1 – 0.0 0.0 – 5.5 4.0 7.1

Utilities ........................................................... 0.0 0.0 0.9 0.0 0.0 0.0 – – –

Information ......................................................... 0.0 0.0 – – – – – 5.9 13.3

Financial activities ............................................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Finance and insurance .................................. 0.0 0.0 1.4 0.0 0.0 0.0 0.0 3.6 0.0

Credit intermediation and related activities 0.0 0.0 0.0 0.0 0.0 0.0 – – 0.0

Insurance carriers and related activities .... 0.0 0.0 4.2 0.0 0.0 – 0.0 3.9 –

Real estate and rental and leasing ................ 0.0 0.0 – 0.0 0.0 – 0.0 0.0 –

Professional and business services .................. 0.0 0.0 2.0 0.0 0.0 0.0 2.3 5.3 0.0

Professional and technical services .............. 0.0 – 2.0 0.0 – 0.0 8.9 10.2 0.0

Administrative and waste services ................ 0.0 0.0 0.0 0.0 0.0 – 5.2 1.0 0.0

See footnotes at end of table.
Table 36. Standard errors for substance abuse treatment benefits:1 Median days covered per year for selected

services by type of plan, private industry workers, National Compensation Survey, 2008—Continued

Characteristic

Inpatient detoxification2 Inpatient rehabilitation3 Outpatient rehabilitation4

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All

plans

Fee-forservice

plans

Health

maintenance

organizations

Establishment characteristic

Education and health services ........................... 0.0 0.0 – 0.0 0.0 0.0 0.0 0.0 1.9

Educational services ...................................... 0.0 0.0 – 0.0 0.0 0.0 2.0 0.4 9.2

Junior colleges, colleges, and universities 0.0 0.0 0.0 0.0 0.0 0.0 6.9 – 10.8

Health care and social assistance ................. 0.0 0.0 – 0.0 0.0 0.0 0.0 0.0 4.7

Leisure and hospitality ....................................... 0.0 0.0 – 0.0 0.0 0.0 1.0 0.0 –

Accommodation and food services ................ 0.0 0.0 – 0.0 0.0 – 2.9 0.0 –

Other services ................................................... 0.0 0.0 – 0.0 0.0 – 0.0 0.0 –

1 to 99 workers ...................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.7

1 to 49 workers .................................................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.4

50 to 99 workers ................................................ 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.4 2.4

100 workers or more .............................................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.1

100 to 499 workers ............................................ 0.0 0.0 0.0 0.0 0.0 0.0 0.4 0.0 2.7

500 workers or more .......................................... 0.0 0.0 0.8 0.0 0.0 0.0 3.8 4.5 7.1

Geographic area

New England ......................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.4 2.9

Middle Atlantic ....................................................... – – – 0.0 0.0 0.0 8.0 6.5 0.0

East North Central ................................................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 4.1

West North Central ................................................ 0.0 0.0 – 0.0 0.0 – 0.0 0.0 0.8

South Atlantic ........................................................ 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

East South Central ................................................ 0.0 0.0 0.0 0.0 0.0 0.0 1.0 0.0 0.0

West South Central ............................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 –

Mountain ................................................................ 0.0 0.0 0.6 0.0 0.0 0.0 4.2 5.9 –

Pacific .................................................................... 0.0 0.0 0.0 0.0 0.0 – 1.6 0.4 –

1 Substance abuse treatment benefits provide inpatient and outpatient care for

alcohol or drug dependency. 2 Inpatient detoxification is the systematic use of medication and other methods

under medical supervision to reduce or eliminate the effects of substance abuse. 3 Inpatient rehabilitation is designed to alter abusive behavior in patients once they

are free of acute physical and mental complications. 4 Outpatient rehabilitation includes treatment in one or more of the following:

outpatient department of a hospital, residentail treatment center, organized outpatient

clinic, day-night treatment center, or doctor’s office.

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

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

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 37. Alcohol abuse treatment benefits: Median days covered per year for selected services by type of plan,

private industry workers, National Compensation Survey, 2008

(Includes all workers participating in plans with specified day limits)

Characteristic

Inpatient detoxification1 Inpatient rehabilitation2 Outpatient rehabilitation3

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 ............................................................. 30 30 30 30 30 30 30 30 30

Worker characteristic

Management, professional, and related ................ 30 30 30 30 30 30 30 30 30

Management, business, and financial ............... 30 30 30 30 30 30 30 30 30

Professional and related .................................... 30 30 30 30 30 30 30 30 30

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

Sales and office ..................................................... 30 30 30 30 30 30 30 30 30

Sales and related ............................................... 30 30 30 30 30 30 30 30 30

Office and administrative support ...................... 30 30 30 30 30 30 30 30 30

Natural resources, construction, and maintenance 30 30 30 30 30 30 30 30 35

Construction, extraction, farming, fishing, and

forestry ............................................................. 30 30 30 30 30 45 30 25 35

Installation, maintenance, and repair ................. 30 30 – 30 30 30 30 30 35

Production, transportation, and material moving ... 30 30 30 30 30 30 30 30 26

Production ......................................................... 30 30 30 30 30 30 30 35 30

Transportation and material moving .................. 30 30 – 30 30 30 30 30 24

Full time ................................................................. 30 30 30 30 30 30 30 30 30

Part time ................................................................ 30 30 30 30 30 30 30 30 30

Union ..................................................................... 30 30 30 30 30 30 30 30 30

Nonunion ............................................................... 30 30 30 30 30 30 30 30 30

Average wage within the following percentiles:4

Less than 10 ...................................................... 30 30 – 30 30 30 – 35 –

10 to under 25 ................................................... 30 30 – 30 30 30 30 30 –

25 to under 50 ................................................... 30 30 30 30 30 30 30 30 30

50 to under 75 ................................................... 30 30 30 30 30 30 30 30 30

75 to under 90 ................................................... 30 30 30 30 30 30 30 30 30

90 or greater ...................................................... 30 30 30 30 30 30 30 30 30

Establishment characteristic

Goods-producing industries ................................... 30 30 30 30 30 30 30 30 30

Construction ...................................................... 30 30 30 30 30 30 30 – –

Manufacturing .................................................... 30 30 30 30 30 30 30 35 30

Service-providing industries .................................. 30 30 30 30 30 30 30 30 30

Trade, transportation, and utilities ..................... 30 30 30 30 30 30 30 30 30

Wholesale trade ............................................. 30 30 30 30 30 30 30 30 20

Retail trade .................................................... 30 30 30 30 30 – 30 30 32

Transportation and warehousing ................... 30 30 – 30 30 – 30 30 25

Utilities ........................................................... 30 30 30 30 30 30 – – –

Information ......................................................... 30 30 – – – – – 30 50

Financial activities ............................................. 30 30 30 30 30 30 30 30 30

Finance and insurance .................................. 30 30 30 30 30 30 30 30 30

Credit intermediation and related activities 30 30 30 30 30 30 – – 30

Insurance carriers and related activities .... 30 30 30 30 30 – 30 30 –

Real estate and rental and leasing ................ 30 30 – 30 30 – 30 30 –

Professional and business services .................. 30 30 30 30 30 30 32 32 20

Professional and technical services .............. 30 – 30 30 – 30 40 45 20

Administrative and waste services ................ 30 30 30 30 30 – 30 30 20

See footnotes at end of table.
Table 37. Alcohol abuse treatment benefits: Median days covered per year for selected services by type of plan,

private industry workers, National Compensation Survey, 2008—Continued

(Includes all workers participating in plans with specified day limits)

Characteristic

Inpatient detoxification1 Inpatient rehabilitation2 Outpatient rehabilitation3

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All

plans

Fee-forservice

plans

Health

maintenance

organizations

Establishment characteristic

Education and health services ........................... 30 30 – 30 30 30 30 30 30

Educational services ...................................... 30 30 – 30 30 30 30 30 32

Junior colleges, colleges, and universities 30 30 30 30 30 30 50 50 60

Health care and social assistance ................. 30 30 – 30 30 30 30 30 30

Leisure and hospitality ....................................... 30 30 – 30 30 30 30 30 –

Accommodation and food services ................ 30 30 – 30 30 – 30 30 –

Other services ................................................... 30 30 – 30 30 – 30 30 –

1 to 99 workers ...................................................... 30 30 30 30 30 30 30 30 30

1 to 49 workers .................................................. 30 30 30 30 30 30 30 30 30

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

100 workers or more .............................................. 30 30 30 30 30 30 30 30 30

100 to 499 workers ............................................ 30 30 30 30 30 30 30 30 30

500 workers or more .......................................... 30 30 30 30 30 30 30 30 32

Geographic area

New England ......................................................... 30 30 30 30 30 30 30 30 30

Middle Atlantic ....................................................... – – – 30 30 30 60 50 60

East North Central ................................................. 30 30 30 30 30 30 30 30 25

West North Central ................................................ 30 30 – 30 30 – 30 30 26

South Atlantic ........................................................ 30 30 30 30 30 30 30 30 30

East South Central ................................................ 30 30 30 30 30 30 30 30 25

West South Central ............................................... 30 30 30 30 30 30 30 30 –

Mountain ................................................................ 30 30 30 30 30 30 30 30 –

Pacific .................................................................... 30 30 30 30 30 – 30 30 –

1 Inpatient detoxification is the systematic use of medication and other methods

under medical supervision to reduce or eliminate the effects of substance abuse. 2 Inpatient rehabilitation is designed to alter abusive behavior in patients once they

are free of acute physical and mental complications. 3 Outpatient rehabilitation includes treatment in one or more of the following:

outpatient department of a hospital, residentail treatment center, organized outpatient

clinic, day-night treatment center, or doctor’s office. 4 The percentile groupings are based on the average wage for each occupation

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

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 37. Standard errors for alcohol abuse treatment benefits: Median days covered per year for selected services

by type of plan, private industry workers, National Compensation Survey, 2008

Characteristic

Inpatient detoxification1 Inpatient rehabilitation2 Outpatient rehabilitation3

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 0.0 0.0 0.0 0.0 0.0 0.0

Worker characteristic

Management, professional, and related ................ 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Management, business, and financial ............... 0.0 0.0 0.0 0.0 0.0 0.0 1.6 2.2 1.4

Professional and related .................................... 0.0 0.0 5.2 0.0 0.0 0.0 0.0 0.0 2.9

Service ................................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 –

Sales and office ..................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Sales and related ............................................... 0.0 0.0 2.3 0.0 0.0 0.0 0.0 0.0 0.0

Office and administrative support ...................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Natural resources, construction, and maintenance 0.0 0.0 4.0 0.0 0.0 4.2 0.0 3.5 2.2

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.0 0.0 2.9 0.0 0.0 7.8 4.1 6.8 2.8

Installation, maintenance, and repair ................. 0.0 0.0 – 0.0 0.0 0.0 0.0 1.0 8.4

Production, transportation, and material moving ... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.1 5.8

Production ......................................................... 0.0 0.0 0.0 0.0 0.0 0.0 4.2 4.5 4.9

Transportation and material moving .................. 0.0 0.0 – 0.0 0.0 0.0 0.0 0.0 7.1

Full time ................................................................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Part time ................................................................ 0.0 0.0 0.0 0.0 0.0 0.0 1.7 2.0 4.5

Union ..................................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.7 2.6

Nonunion ............................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Average wage within the following percentiles:4

Less than 10 ...................................................... 6.6 5.9 – 0.0 0.0 0.0 – 9.6 –

10 to under 25 ................................................... 0.0 0.0 – 0.0 0.0 0.0 0.0 0.0 –

25 to under 50 ................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.0

50 to under 75 ................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

75 to under 90 ................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.7 1.2 0.6

90 or greater ...................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.5 2.8

Establishment characteristic

Goods-producing industries ................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.9 2.4 1.0

Construction ...................................................... 0.0 0.0 5.4 0.0 0.0 4.2 0.0 – –

Manufacturing .................................................... 0.0 0.0 0.0 0.0 0.0 0.0 4.5 3.3 1.4

Service-providing industries .................................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Trade, transportation, and utilities ..................... 0.0 0.0 0.6 0.0 0.0 0.0 0.0 0.0 3.5

Wholesale trade ............................................. 0.0 0.0 5.9 0.0 0.0 0.0 1.7 6.5 2.9

Retail trade .................................................... 0.0 0.0 0.0 0.0 0.0 – 0.0 0.0 2.4

Transportation and warehousing ................... 7.2 7.1 – 0.0 0.0 – 5.5 4.0 7.1

Utilities ........................................................... 0.0 0.0 0.9 0.0 0.0 0.0 – – –

Information ......................................................... 0.0 0.0 – – – – – 5.9 13.3

Financial activities ............................................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Finance and insurance .................................. 0.0 0.0 1.4 0.0 0.0 0.0 0.0 3.6 0.0

Credit intermediation and related activities 0.0 0.0 0.0 0.0 0.0 0.0 – – 0.0

Insurance carriers and related activities .... 0.0 0.0 4.2 0.0 0.0 – 0.0 3.9 –

Real estate and rental and leasing ................ 0.0 0.0 – 0.0 0.0 – 0.0 0.0 –

Professional and business services .................. 0.0 0.0 2.0 0.0 0.0 0.0 2.7 9.5 0.0

Professional and technical services .............. 0.0 – 2.0 0.0 – 0.0 9.6 10.8 0.0

Administrative and waste services ................ 0.0 0.0 0.0 0.0 0.0 – 5.2 1.0 0.0

See footnotes at end of table.
Table 37. Standard errors for alcohol abuse treatment benefits: Median days covered per year for selected services

by type of plan, private industry workers, National Compensation Survey, 2008—Continued

Characteristic

Inpatient detoxification1 Inpatient rehabilitation2 Outpatient rehabilitation3

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All

plans

Fee-forservice

plans

Health

maintenance

organizations

Establishment characteristic

Education and health services ........................... 0.0 0.0 – 0.0 0.0 0.0 0.0 0.0 1.9

Educational services ...................................... 0.0 0.0 – 0.0 0.0 0.0 2.2 3.9 9.2

Junior colleges, colleges, and universities 0.0 0.0 0.0 0.0 0.0 0.0 7.1 12.3 10.8

Health care and social assistance ................. 0.0 0.0 – 0.0 0.0 0.0 0.0 0.0 4.7

Leisure and hospitality ....................................... 0.0 0.0 – 0.0 0.0 0.0 1.0 0.0 –

Accommodation and food services ................ 0.0 0.0 – 0.0 0.0 – 2.9 0.0 –

Other services ................................................... 0.0 0.0 – 0.0 0.0 – 0.0 0.0 –

1 to 99 workers ...................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.7

1 to 49 workers .................................................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.4

50 to 99 workers ................................................ 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.4 2.4

100 workers or more .............................................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.1

100 to 499 workers ............................................ 0.0 0.0 0.0 0.0 0.0 0.0 0.4 0.0 2.7

500 workers or more .......................................... 0.0 0.0 0.8 0.0 0.0 0.0 4.1 4.5 7.1

Geographic area

New England ......................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.4 2.9

Middle Atlantic ....................................................... – – – 0.0 0.0 0.0 7.7 6.4 0.0

East North Central ................................................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 4.1

West North Central ................................................ 0.0 0.0 – 0.0 0.0 – 0.0 0.0 0.8

South Atlantic ........................................................ 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

East South Central ................................................ 0.0 0.0 0.0 0.0 0.0 0.0 1.0 0.0 0.0

West South Central ............................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 –

Mountain ................................................................ 0.0 0.0 0.6 0.0 0.0 0.0 7.4 3.8 –

Pacific .................................................................... 0.0 0.0 0.0 0.0 0.0 – 1.6 0.4 –

1 Inpatient detoxification is the systematic use of medication and other methods

under medical supervision to reduce or eliminate the effects of substance abuse. 2 Inpatient rehabilitation is designed to alter abusive behavior in patients once they

are free of acute physical and mental complications. 3 Outpatient rehabilitation includes treatment in one or more of the following:

outpatient department of a hospital, residentail treatment center, organized outpatient

clinic, day-night treatment center, or doctor’s office. 4 The percentile groupings are based on the average wage for each occupation

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

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 38. Drug abuse treatment benefits: Median days covered per year for selected services by type of plan, private

industry workers, National Compensation Survey, 2008

(Includes all workers participating in plans with specified day limits)

Characteristic

Inpatient detoxification1 Inpatient rehabilitation2 Outpatient rehabilitation3

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 ............................................................. 30 30 30 30 30 30 30 30 30

Worker characteristic

Management, professional, and related ................ 30 30 30 30 30 30 30 30 30

Management, business, and financial ............... 30 30 30 30 30 30 30 30 30

Professional and related .................................... 30 30 30 30 30 30 30 30 26

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

Sales and office ..................................................... 30 30 30 30 30 30 30 30 30

Sales and related ............................................... 30 30 30 30 30 30 30 30 30

Office and administrative support ...................... 30 30 30 30 30 30 30 30 30

Natural resources, construction, and maintenance 30 30 30 30 30 30 30 30 35

Construction, extraction, farming, fishing, and

forestry ............................................................. 30 30 30 30 30 45 30 25 35

Installation, maintenance, and repair ................. 30 30 – 30 30 30 30 30 35

Production, transportation, and material moving ... 30 30 30 30 30 30 30 30 25

Production ......................................................... 30 30 30 30 30 30 30 35 25

Transportation and material moving .................. 30 30 – 30 30 30 30 30 24

Full time ................................................................. 30 30 30 30 30 30 30 30 30

Part time ................................................................ 30 30 30 30 30 30 30 30 30

Union ..................................................................... 30 30 30 30 30 30 30 30 30

Nonunion ............................................................... 30 30 30 30 30 30 30 30 30

Average wage within the following percentiles:4

Less than 10 ...................................................... 30 30 – 30 30 30 – 35 –

10 to under 25 ................................................... 30 30 – 30 30 30 30 30 –

25 to under 50 ................................................... 30 30 30 30 30 30 30 30 25

50 to under 75 ................................................... 30 30 30 30 30 30 30 30 30

75 to under 90 ................................................... 30 30 30 30 30 30 30 30 30

90 or greater ...................................................... 30 30 30 30 30 30 30 30 30

Establishment characteristic

Goods-producing industries ................................... 30 30 30 30 30 30 30 30 30

Construction ...................................................... 30 30 30 30 30 30 30 – –

Manufacturing .................................................... 30 30 30 30 30 30 30 35 30

Service-providing industries .................................. 30 30 30 30 30 30 30 30 30

Trade, transportation, and utilities ..................... 30 30 30 30 30 30 30 30 24

Wholesale trade ............................................. 30 30 – 30 30 30 30 30 20

Retail trade .................................................... 30 30 30 30 30 – 30 30 30

Transportation and warehousing ................... 30 30 – 30 30 – 30 30 25

Utilities ........................................................... 30 30 30 30 30 30 – – –

Information ......................................................... 30 30 – – – – – 30 50

Financial activities ............................................. 30 30 30 30 30 30 30 30 30

Finance and insurance .................................. 30 30 30 30 30 30 30 30 30

Credit intermediation and related activities 30 30 30 30 30 30 – – 30

Insurance carriers and related activities .... 30 30 30 30 30 – 30 30 –

Real estate and rental and leasing ................ 30 30 – 30 30 – 30 30 –

Professional and business services .................. 30 30 30 30 30 30 30 30 20

Professional and technical services .............. 30 – 30 30 30 30 – – 20

Administrative and waste services ................ 30 30 30 30 30 – 30 30 20

See footnotes at end of table.
Table 38. Drug abuse treatment benefits: Median days covered per year for selected services by type of plan, private

industry workers, National Compensation Survey, 2008—Continued

(Includes all workers participating in plans with specified day limits)

Characteristic

Inpatient detoxification1 Inpatient rehabilitation2 Outpatient rehabilitation3

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All

plans

Fee-forservice

plans

Health

maintenance

organizations

Establishment characteristic

Education and health services ........................... 30 30 – 30 30 30 30 30 30

Educational services ...................................... 30 30 – 30 30 30 30 30 24

Junior colleges, colleges, and universities 30 30 30 30 30 30 50 – 60

Health care and social assistance ................. 30 30 – 30 30 30 30 30 30

Leisure and hospitality ....................................... 30 30 – 30 30 30 30 30 –

Accommodation and food services ................ 30 30 – 30 30 – 30 30 –

Other services ................................................... 30 30 – 30 30 – 30 30 –

1 to 99 workers ...................................................... 30 30 30 30 30 30 30 30 30

1 to 49 workers .................................................. 30 30 30 30 30 30 30 30 30

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

100 workers or more .............................................. 30 30 30 30 30 30 30 30 30

100 to 499 workers ............................................ 30 30 30 30 30 30 30 30 26

500 workers or more .......................................... 30 30 30 30 30 30 30 30 –

Geographic area

New England ......................................................... 30 30 30 30 30 30 30 30 24

Middle Atlantic ....................................................... – – – 30 30 30 60 50 60

East North Central ................................................. 30 30 30 30 30 30 30 30 25

West North Central ................................................ 30 30 – 30 30 – 30 30 26

South Atlantic ........................................................ 30 30 30 30 30 30 30 30 30

East South Central ................................................ 30 30 30 30 30 30 30 30 25

West South Central ............................................... 30 30 30 30 30 30 30 30 –

Mountain ................................................................ 30 30 30 30 30 30 24 24 –

Pacific .................................................................... 30 30 30 30 30 – 30 30 –

1 Inpatient detoxification is the systematic use of medication and other methods

under medical supervision to reduce or eliminate the effects of substance abuse. 2 Inpatient rehabilitation is designed to alter abusive behavior in patients once they

are free of acute physical and mental complications. 3 Outpatient rehabilitation includes treatment in one or more of the following:

outpatient department of a hospital, residentail treatment center, organized outpatient

clinic, day-night treatment center, or doctor’s office. 4 The percentile groupings are based on the average wage for each occupation

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

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 38. Standard errors for drug abuse treatment benefits: Median days covered per year for selected services by

type of plan, private industry workers, National Compensation Survey, 2008

Characteristic

Inpatient detoxification1 Inpatient rehabilitation2 Outpatient rehabilitation3

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 0.0 0.0 0.0 0.0 0.0 0.0

Worker characteristic

Management, professional, and related ................ 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.7

Management, business, and financial ............... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.0 1.0

Professional and related .................................... 0.0 0.0 2.9 0.0 0.0 0.0 0.0 0.0 4.1

Service ................................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 –

Sales and office ..................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Sales and related ............................................... 0.0 0.0 2.3 0.0 0.0 0.0 0.0 0.0 4.1

Office and administrative support ...................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Natural resources, construction, and maintenance 0.0 0.0 2.8 0.0 0.0 4.2 1.1 4.8 3.7

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.0 0.0 2.9 0.0 0.0 7.8 4.1 6.9 2.8

Installation, maintenance, and repair ................. 0.0 0.0 – 0.0 0.0 0.0 0.8 2.9 10.0

Production, transportation, and material moving ... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.0 4.3

Production ......................................................... 0.0 0.0 0.0 0.0 0.0 0.0 3.7 5.1 7.0

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

Full time ................................................................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Part time ................................................................ 0.0 0.0 0.0 0.0 0.0 0.0 1.7 2.0 4.5

Union ..................................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.7 2.6

Nonunion ............................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.8

Average wage within the following percentiles:4

Less than 10 ...................................................... 6.6 5.9 – 0.0 0.0 0.0 – 9.6 –

10 to under 25 ................................................... 0.0 0.0 – 0.0 0.0 0.0 0.0 0.0 –

25 to under 50 ................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 7.1

50 to under 75 ................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

75 to under 90 ................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

90 or greater ...................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 4.7

Establishment characteristic

Goods-producing industries ................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.0 1.0

Construction ...................................................... 0.0 0.0 5.4 0.0 0.0 4.2 0.0 – –

Manufacturing .................................................... 0.0 0.0 0.0 0.0 0.0 0.0 3.7 4.6 4.1

Service-providing industries .................................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.5

Trade, transportation, and utilities ..................... 0.0 0.0 0.6 0.0 0.0 0.0 0.0 0.0 0.9

Wholesale trade ............................................. 0.0 0.0 – 0.0 0.0 0.0 1.7 6.5 3.8

Retail trade .................................................... 0.0 0.0 0.0 0.0 0.0 – 0.0 0.0 7.1

Transportation and warehousing ................... 7.2 7.1 – 0.0 0.0 – 5.6 4.5 7.1

Utilities ........................................................... 0.0 0.0 0.9 0.0 0.0 0.0 – – –

Information ......................................................... 0.0 0.0 – – – – – 5.9 13.3

Financial activities ............................................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Finance and insurance .................................. 0.0 0.0 1.4 0.0 0.0 0.0 0.0 3.5 0.0

Credit intermediation and related activities 0.0 0.0 0.0 0.0 0.0 0.0 – – 0.0

Insurance carriers and related activities .... 0.0 0.0 4.2 0.0 0.0 – 0.0 3.9 –

Real estate and rental and leasing ................ 0.0 0.0 – 0.0 0.0 – 0.0 0.0 –

Professional and business services .................. 0.0 0.0 2.0 0.0 0.0 0.0 0.0 6.6 2.8

Professional and technical services .............. 8.1 – 2.0 0.0 0.0 0.0 – – 5.8

Administrative and waste services ................ 0.0 0.0 0.0 0.0 0.0 – 5.2 1.0 0.0

See footnotes at end of table.
Table 38. Standard errors for drug abuse treatment benefits: Median days covered per year for selected services by

type of plan, private industry workers, National Compensation Survey, 2008—Continued

Characteristic

Inpatient detoxification1 Inpatient rehabilitation2 Outpatient rehabilitation3

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All

plans

Fee-forservice

plans

Health

maintenance

organizations

All

plans

Fee-forservice

plans

Health

maintenance

organizations

Establishment characteristic

Education and health services ........................... 0.0 0.0 – 0.0 0.0 0.0 0.0 0.0 1.4

Educational services ...................................... 0.0 0.0 – 0.0 0.0 0.0 0.0 0.4 3.0

Junior colleges, colleges, and universities 0.0 0.0 0.0 0.0 0.0 0.0 6.9 – 10.8

Health care and social assistance ................. 0.0 0.0 – 0.0 0.0 0.0 0.0 0.0 4.6

Leisure and hospitality ....................................... 0.0 0.0 – 0.0 0.0 0.0 1.0 0.0 –

Accommodation and food services ................ 0.0 0.0 – 0.0 0.0 – 2.9 0.0 –

Other services ................................................... 0.0 0.0 – 0.0 0.0 – 0.0 0.0 –

1 to 99 workers ...................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 5.1

1 to 49 workers .................................................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 7.3

50 to 99 workers ................................................ 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.4

100 workers or more .............................................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

100 to 499 workers ............................................ 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.9

500 workers or more .......................................... 0.0 0.0 0.4 0.0 0.0 0.0 3.6 4.4 –

Geographic area

New England ......................................................... 0.0 0.0 0.0 0.0 0.0 0.0 2.5 0.0 0.0

Middle Atlantic ....................................................... – – – 0.0 0.0 0.0 8.0 6.5 0.0

East North Central ................................................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.7

West North Central ................................................ 0.0 0.0 – 0.0 0.0 – 0.0 0.0 0.8

South Atlantic ........................................................ 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

East South Central ................................................ 0.0 0.0 0.0 0.0 0.0 0.0 6.7 5.5 0.0

West South Central ............................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 –

Mountain ................................................................ 0.0 0.0 0.6 0.0 0.0 0.0 4.2 5.9 –

Pacific .................................................................... 0.0 0.0 0.0 0.0 0.0 – 1.6 0.4 –

1 Inpatient detoxification is the systematic use of medication and other methods

under medical supervision to reduce or eliminate the effects of substance abuse. 2 Inpatient rehabilitation is designed to alter abusive behavior in patients once they

are free of acute physical and mental complications. 3 Outpatient rehabilitation includes treatment in one or more of the following:

outpatient department of a hospital, residentail treatment center, organized outpatient

clinic, day-night treatment center, or doctor’s office. 4 The percentile groupings are based on the average wage for each occupation

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

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 39. Dental care benefits: Coverage for selected services, private industry workers, National

Compensation Survey, 2008

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

Characteristic Preventive

services1

Basic

services2

Major

services3

Orthodontia

Total

Employee

and

dependent

Dependent

only

All workers ............................................................. 100 100 97 72 37 35

Worker characteristic

Management, professional, and related ................ 100 100 97 73 40 33

Management, business, and financial ............... 100 100 97 75 40 35

Professional and related .................................... 100 100 97 72 39 32

Service ................................................................... 100 100 98 66 27 39

Sales and office ..................................................... 100 100 98 72 38 34

Sales and related ............................................... 100 100 97 57 36 20

Office and administrative support ...................... 100 100 98 79 38 41

Natural resources, construction, and maintenance 100 100 93 71 37 34

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 100 93 62 27 35

Installation, maintenance, and repair ................. 100 100 93 80 46 34

Production, transportation, and material moving ... 100 100 97 75 36 40

Production ......................................................... 100 100 97 75 32 43

Transportation and material moving .................. 100 100 98 76 41 35

Full time ................................................................. 100 100 97 72 37 35

Part time ................................................................ 100 100 97 76 31 45

Union ..................................................................... 100 100 98 76 40 36

Nonunion ............................................................... 100 100 97 71 36 35

Average wage within the following percentiles:4

Less than 10 ...................................................... 100 100 97 71 29 42

10 to under 25 ................................................... 100 100 98 63 31 32

25 to under 50 ................................................... 100 100 97 73 34 39

50 to under 75 ................................................... 100 100 97 71 33 38

75 to under 90 ................................................... 100 100 97 74 41 33

90 or greater ...................................................... 100 100 95 75 44 31

Establishment characteristic

Goods-producing industries ................................... 100 100 95 76 35 41

Construction ...................................................... 100 100 91 58 24 34

Manufacturing .................................................... 100 100 97 82 39 42

Service-providing industries .................................. 100 100 98 71 37 34

Trade, transportation, and utilities ..................... 100 100 96 67 40 27

Wholesale trade ............................................. 100 100 91 64 36 27

Retail trade .................................................... 100 100 97 57 37 20

Transportation and warehousing ................... 100 100 100 90 53 37

Utilities ........................................................... 100 100 96 82 37 45

Information ......................................................... 100 100 99 84 67 17

Financial activities ............................................. 100 100 97 82 40 42

Finance and insurance .................................. 100 100 97 83 44 39

Credit intermediation and related activities 100 100 97 83 31 52

Insurance carriers and related activities .... 100 100 98 81 50 32

Real estate and rental and leasing ................ 100 100 95 79 – –

Professional and business services .................. 100 100 100 69 36 33

Professional and technical services .............. 100 100 100 79 51 28

Administrative and waste services ................ 100 100 100 58 – –

See footnotes at end of table.
Table 39. Dental care benefits: Coverage for selected services, private industry workers, National

Compensation Survey, 2008—Continued

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

Characteristic Preventive

services1

Basic

services2

Major

services3

Orthodontia

Total

Employee

and

dependent

Dependent

only

Establishment characteristic

Education and health services ........................... 100 100 97 71 31 41

Educational services ...................................... 99 99 96 76 51 26

Junior colleges, colleges, and universities 99 99 95 76 43 34

Health care and social assistance ................. 100 100 97 70 27 43

Leisure and hospitality ....................................... 100 100 100 60 22 37

Accommodation and food services ................ 100 100 100 54 – –

Other services ................................................... 100 100 100 63 – –

1 to 99 workers ...................................................... 100 100 99 63 34 29

1 to 49 workers .................................................. 100 100 98 63 35 28

50 to 99 workers ................................................ 100 100 99 63 32 32

100 workers or more .............................................. 100 100 96 77 38 38

100 to 499 workers ............................................ 100 100 96 73 38 35

500 workers or more .......................................... 100 100 97 81 39 42

Geographic area

New England ......................................................... 100 100 96 71 37 33

Middle Atlantic ....................................................... 100 100 96 72 35 38

East North Central ................................................. 100 100 97 74 38 36

West North Central ................................................ 100 100 98 75 33 42

South Atlantic ........................................................ 100 100 95 67 34 32

East South Central ................................................ 100 100 97 74 30 44

West South Central ............................................... 100 100 99 73 39 34

Mountain ................................................................ 100 100 98 84 41 43

Pacific .................................................................... 100 100 98 69 39 30

1 Preventative services include dental exams, cleanings, and other

preventive care. 2 Basic services include dental services such as fillings, dental

surgery, periodontal care, and endodontics. 3 Major services include dental procedures such as crowns and

prosthetics. 4 The percentile groupings are based on the average wage for

each occupation surveyed, which may include workers both above and

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

published in the "National Compensation Survey: Occupational

Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 39. Standard errors for dental care benefits: Coverage for selected services, private

industry workers, National Compensation Survey, 2008

Characteristic Preventive

services1

Basic

services2

Major

services3

Orthodontia

Total

Employee

and

dependent

Dependent

only

All workers ............................................................. 0.0 0.0 0.4 1.9 1.6 2.0

Worker characteristic

Management, professional, and related ................ 0.0 0.0 0.5 2.8 2.6 2.8

Management, business, and financial ............... 0.0 0.0 0.6 2.6 2.7 2.7

Professional and related .................................... 0.0 0.0 0.5 4.0 3.5 3.7

Service ................................................................... 0.0 0.0 0.7 7.8 4.6 6.3

Sales and office ..................................................... 0.0 0.0 0.5 2.3 2.6 2.7

Sales and related ............................................... 0.0 0.0 1.0 4.2 3.4 3.1

Office and administrative support ...................... 0.0 0.0 0.6 2.3 3.3 3.3

Natural resources, construction, and maintenance 0.0 0.0 2.6 4.4 4.0 4.6

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.0 0.0 3.8 8.2 7.1 7.7

Installation, maintenance, and repair ................. 0.0 0.0 3.6 4.1 5.2 4.8

Production, transportation, and material moving ... 0.0 0.0 0.6 2.7 3.2 3.1

Production ......................................................... 0.0 0.0 0.9 3.3 3.6 4.1

Transportation and material moving .................. 0.0 0.0 0.6 3.9 4.8 4.2

Full time ................................................................. 0.0 0.0 0.4 2.0 1.6 2.0

Part time ................................................................ 0.0 0.0 1.2 3.8 4.7 6.8

Union ..................................................................... 0.0 0.0 0.9 4.6 3.1 4.5

Nonunion ............................................................... 0.0 0.0 0.4 1.9 1.8 1.9

Average wage within the following percentiles:4

Less than 10 ...................................................... 0.0 0.0 2.1 7.9 8.0 11.8

10 to under 25 ................................................... 0.0 0.0 1.0 6.4 6.2 6.6

25 to under 50 ................................................... 0.0 0.0 0.7 2.8 2.1 2.3

50 to under 75 ................................................... 0.0 0.0 0.5 2.9 2.1 3.0

75 to under 90 ................................................... 0.0 0.0 0.7 2.8 3.2 3.6

90 or greater ...................................................... 0.0 0.0 1.1 3.6 3.1 3.1

Establishment characteristic

Goods-producing industries ................................... 0.0 0.0 1.2 2.8 3.1 3.8

Construction ...................................................... 0.0 0.0 4.2 9.5 5.7 8.7

Manufacturing .................................................... 0.0 0.0 0.8 3.0 4.1 4.3

Service-providing industries .................................. 0.0 0.0 0.3 2.2 1.9 2.0

Trade, transportation, and utilities ..................... 0.0 0.0 0.8 2.7 2.9 2.7

Wholesale trade ............................................. 0.0 0.0 2.1 4.6 5.7 4.2

Retail trade .................................................... 0.0 0.0 0.7 4.0 3.3 3.5

Transportation and warehousing ................... 0.0 0.0 0.5 4.5 7.4 7.4

Utilities ........................................................... 0.0 0.0 1.9 6.2 8.3 10.0

Information ......................................................... 0.0 0.0 0.5 5.5 6.0 4.7

Financial activities ............................................. 0.0 0.0 1.2 2.8 3.3 3.5

Finance and insurance .................................. 0.0 0.0 1.0 2.5 3.2 3.3

Credit intermediation and related activities 0.0 0.0 2.1 4.4 4.3 5.3

Insurance carriers and related activities .... 0.0 0.0 0.9 3.2 3.9 5.0

Real estate and rental and leasing ................ 0.0 0.0 4.4 9.0 – –

Professional and business services .................. 0.0 0.0 0.2 5.8 4.6 5.3

Professional and technical services .............. 0.0 0.0 0.0 9.5 7.8 6.7

Administrative and waste services ................ 0.0 0.0 0.0 11.0 – –

See footnotes at end of table.
Table 39. Standard errors for dental care benefits: Coverage for selected services, private

industry workers, National Compensation Survey, 2008—Continued

Characteristic Preventive

services1

Basic

services2

Major

services3

Orthodontia

Total

Employee

and

dependent

Dependent

only

Establishment characteristic

Education and health services ........................... 0.1 0.1 0.9 4.7 3.1 4.6

Educational services ...................................... 0.6 0.6 1.0 4.7 6.4 3.9

Junior colleges, colleges, and universities 0.9 0.9 1.3 2.2 4.5 3.7

Health care and social assistance ................. 0.0 0.0 1.1 5.3 3.7 5.4

Leisure and hospitality ....................................... 0.0 0.0 0.0 11.2 4.3 10.3

Accommodation and food services ................ 0.0 0.0 0.0 14.9 – –

Other services ................................................... 0.0 0.0 0.0 12.2 – –

1 to 99 workers ...................................................... 0.0 0.0 0.6 3.2 2.6 3.2

1 to 49 workers .................................................. 0.0 0.0 0.7 4.1 3.2 3.4

50 to 99 workers ................................................ 0.1 0.1 0.9 4.8 4.7 6.0

100 workers or more .............................................. 0.0 0.0 0.5 2.1 1.8 2.2

100 to 499 workers ............................................ 0.0 0.0 0.9 3.3 3.0 3.1

500 workers or more .......................................... 0.0 0.0 0.6 2.3 3.2 3.0

Geographic area

New England ......................................................... 0.0 0.0 1.5 8.2 5.3 7.4

Middle Atlantic ....................................................... 0.0 0.0 0.6 8.0 3.6 7.8

East North Central ................................................. 0.0 0.0 0.9 3.9 3.1 2.3

West North Central ................................................ 0.0 0.0 1.4 7.8 4.6 4.9

South Atlantic ........................................................ 0.0 0.0 1.2 4.8 6.6 4.6

East South Central ................................................ 0.0 0.0 2.7 7.8 7.6 10.4

West South Central ............................................... 0.1 0.1 0.6 5.5 4.9 4.4

Mountain ................................................................ 0.0 0.0 1.1 3.7 4.8 7.2

Pacific .................................................................... 0.0 0.0 0.9 3.1 2.7 3.6

1 Preventative services include dental exams, cleanings, and other

preventive care. 2 Basic services include dental services such as fillings, dental

surgery, periodontal care, and endodontics. 3 Major services include dental procedures such as crowns and

prosthetics. 4 The percentile groupings are based on the average wage for

each occupation surveyed, which may include workers both above and

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

published in the "National Compensation Survey: Occupational

Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 40. Dental care benefits: Extent of coverage for selected services, private industry workers, National

Compensation Survey, 2008

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

Characteristic

Preventive services1 Basic services3

Full

coverage

Coverage

with

limits2

No

coverage

Not

determinable

Full

coverage

Coverage

with

limits2

No

coverage

Not

determinable

All workers ............................................................. 13 87 – – 2 98 – –

Worker characteristic

Management, professional, and related ................ 13 87 – – – 99 – 5 ( )

Management, business, and financial ............... 10 90 – – – 98 – –

Professional and related .................................... 15 85 – – – 99 – 5 ( )

Service ................................................................... 22 78 – – – 99 – –

Sales and office ..................................................... 12 88 – – 2 98 – –

Sales and related ............................................... 13 87 – – – 97 – 5 ( )

Office and administrative support ...................... 12 88 – – – 98 – 5 ( )

Natural resources, construction, and maintenance 12 88 – – – 96 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. 12 88 – – – 97 – –

Installation, maintenance, and repair ................. 12 88 – – – 96 – –

Production, transportation, and material moving ... 7 93 – – – 99 – –

Production ......................................................... 6 94 – – – 99 – –

Transportation and material moving .................. 7 93 – – – 99 – –

Full time ................................................................. 13 87 – – 2 98 – –

Part time ................................................................ 11 89 – – – 96 – –

Union ..................................................................... 13 87 – – – 97 – –

Nonunion ............................................................... 13 87 – – 1 99 – –

Average wage within the following percentiles:6

Less than 10 ...................................................... – 86 – – – 93 – –

10 to under 25 ................................................... – 81 – – – 99 – –

25 to under 50 ................................................... 10 90 – – 2 98 – –

50 to under 75 ................................................... 11 89 – – – 98 – 5 ( )

75 to under 90 ................................................... 12 88 – – – 98 – 5 ( )

90 or greater ...................................................... 15 85 – – – 98 – –

Establishment characteristic

Goods-producing industries ................................... 10 90 – – – 97 – –

Construction ...................................................... 18 82 – – – 93 – –

Manufacturing .................................................... 7 93 – – – 99 – –

Service-providing industries .................................. 13 87 – – 1 99 – –

Trade, transportation, and utilities ..................... 11 89 – – 3 97 – –

Wholesale trade ............................................. 14 86 – – – 97 – –

Retail trade .................................................... 13 87 – – – 96 – –

Transportation and warehousing ................... – 96 – – – 100 – –

Utilities ........................................................... – 90 – – – 97 – –

Information ......................................................... – 89 – – – 100 – –

Financial activities ............................................. 15 85 – – 2 98 – –

Finance and insurance .................................. 14 86 – – 2 98 – –

Credit intermediation and related activities 18 82 – – 2 98 – –

Insurance carriers and related activities .... 12 88 – – – 98 – –

Real estate and rental and leasing ................ – 78 – – – 100 – –

Professional and business services .................. 14 86 – – – 99 – –

Professional and technical services .............. 14 86 – – – 99 – –

Administrative and waste services ................ – 87 – – – 100 – –

See footnotes at end of table.
Table 40. Dental care benefits: Extent of coverage for selected services, private industry workers, National

Compensation Survey, 2008—Continued

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

Characteristic

Preventive services1 Basic services3

Full

coverage

Coverage

with

limits2

No

coverage

Not

determinable

Full

coverage

Coverage

with

limits2

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... 10 90 – – – 99 – 5 ( )

Educational services ...................................... – 85 – 1 – 98 – 1

Junior colleges, colleges, and universities – 90 – 1 – 98 – 1

Health care and social assistance ................. 9 91 – – – 99 – –

Leisure and hospitality ....................................... – 75 – – – 100 – –

Accommodation and food services ................ – 77 – – – 100 – –

Other services ................................................... – 62 – – – 100 – –

1 to 99 workers ...................................................... 12 88 – – – 99 – 5 ( )

1 to 49 workers .................................................. 13 87 – – – 99 – –

50 to 99 workers ................................................ 8 92 – – – 99 – 5 ( )

100 workers or more .............................................. 13 87 – – 2 98 – –

100 to 499 workers ............................................ 14 86 – – 2 98 – –

500 workers or more .......................................... 12 88 – – – 98 – –

Geographic area

New England ......................................................... 10 90 – – – 98 – –

Middle Atlantic ....................................................... 10 90 – – – 97 – –

East North Central ................................................. 18 82 – – – 99 – 5 ( )

West North Central ................................................ – 89 – – – 99 – –

South Atlantic ........................................................ – 86 – – – 100 – –

East South Central ................................................ – 94 – – – 98 – –

West South Central ............................................... 10 90 – – – 96 – 5 ( )

Mountain ................................................................ – 84 – – – 97 – –

Pacific .................................................................... 12 88 – – – 99 – –

See footnotes at end of table.
Table 40. Dental care benefits: Extent of coverage for selected services,

private industry workers, National Compensation Survey,

2008—Continued

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

Characteristic

Major services4

Full

coverage

Coverage

with

limits2

No

coverage

Not

determinable

All workers ............................................................. – 97 3 –

Worker characteristic

Management, professional, and related ................ – 97 3 –

Management, business, and financial ............... – 97 3 –

Professional and related .................................... – 97 3 –

Service ................................................................... – 98 – –

Sales and office ..................................................... – 98 2 –

Sales and related ............................................... – 97 – 5 ( )

Office and administrative support ...................... – 98 – 5 ( )

Natural resources, construction, and maintenance – 93 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. – 93 – –

Installation, maintenance, and repair ................. – 93 – –

Production, transportation, and material moving ... – 97 – 1

Production ......................................................... – 97 – 2

Transportation and material moving .................. – 98 – –

Full time ................................................................. – 97 3 –

Part time ................................................................ – 97 – 5 ( )

Union ..................................................................... – 97 – –

Nonunion ............................................................... – 97 3 –

Average wage within the following percentiles:6

Less than 10 ...................................................... – 97 – –

10 to under 25 ................................................... – 98 – 1

25 to under 50 ................................................... – 97 2 –

50 to under 75 ................................................... – 97 2 –

75 to under 90 ................................................... – 97 2 –

90 or greater ...................................................... – 95 5 –

Establishment characteristic

Goods-producing industries ................................... – 95 – 1

Construction ...................................................... – 91 – –

Manufacturing .................................................... – 97 – 1

Service-providing industries .................................. – 98 2 –

Trade, transportation, and utilities ..................... – 96 4 –

Wholesale trade ............................................. – 91 9 –

Retail trade .................................................... – 97 – 5 ( )

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

Utilities ........................................................... – 95 – –

Information ......................................................... – 99 – –

Financial activities ............................................. – 97 – 5 ( )

Finance and insurance .................................. – 97 – 5 ( )

Credit intermediation and related activities – 96 – –

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

Real estate and rental and leasing ................ – 95 – –

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

Professional and technical services .............. – 100 – –

Administrative and waste services ................ – 100 – –

See footnotes at end of table.
Table 40. Dental care benefits: Extent of coverage for selected services,

private industry workers, National Compensation Survey,

2008—Continued

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

Characteristic

Major services4

Full

coverage

Coverage

with

limits2

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... – 97 3 –

Educational services ...................................... – 96 3 –

Junior colleges, colleges, and universities – 95 4 –

Health care and social assistance ................. – 97 – –

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

Accommodation and food services ................ – 100 – –

Other services ................................................... – 100 – –

1 to 99 workers ...................................................... – 98 – 5 ( )

1 to 49 workers .................................................. – 98 – –

50 to 99 workers ................................................ – 98 – 5 ( )

100 workers or more .............................................. – 96 3 –

100 to 499 workers ............................................ – 96 4 –

500 workers or more .......................................... – 97 3 –

Geographic area

New England ......................................................... – 96 – –

Middle Atlantic ....................................................... – 95 4 –

East North Central ................................................. – 97 – 1

West North Central ................................................ – 98 – –

South Atlantic ........................................................ – 95 – 5 ( )

East South Central ................................................ – 97 – –

West South Central ............................................... – 99 – 5 ( )

Mountain ................................................................ – 98 – –

Pacific .................................................................... – 98 – 5 ( )

1 Preventative services include dental exams,

cleanings, and other preventive care. 2 Coverage for dental procedures may be subject

to scheduled allowance, deductible, or coinsurance

provisions, in addition to maximum dollar limitations. 3 Basic services include dental services such as

fillings, dental surgery, periodontal care, and

endodontics. 4 Major services include dental procedures such

as crowns and prosthetics. 5 Less than 0.5 percent. 6 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 40. Standard errors for dental care benefits: Extent of coverage for selected services, private industry

workers, National Compensation Survey, 2008

Characteristic

Preventive services1 Basic services3

Full

coverage

Coverage

with

limits2

No

coverage

Not

determinable

Full

coverage

Coverage

with

limits2

No

coverage

Not

determinable

All workers ............................................................. 1.2 1.2 – – 0.4 0.4 – –

Worker characteristic

Management, professional, and related ................ 1.9 1.9 – – – 0.4 – 5 ( )

Management, business, and financial ............... 1.6 1.6 – – – 0.9 – –

Professional and related .................................... 2.6 2.6 – – – 0.3 – 5 ( )

Service ................................................................... 6.0 6.0 – – – 0.4 – –

Sales and office ..................................................... 1.7 1.7 – – 0.5 0.5 – –

Sales and related ............................................... 2.3 2.3 – – – 1.0 – 5 ( )

Office and administrative support ...................... 1.9 1.9 – – – 0.5 – 5 ( )

Natural resources, construction, and maintenance 1.7 1.7 – – – 2.0 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. 2.5 2.5 – – – 2.4 – –

Installation, maintenance, and repair ................. 2.6 2.6 – – – 2.9 – –

Production, transportation, and material moving ... 1.3 1.3 – – – 0.4 – –

Production ......................................................... 1.6 1.6 – – – 0.6 – –

Transportation and material moving .................. 2.0 2.0 – – – 0.7 – –

Full time ................................................................. 1.3 1.3 – – 0.4 0.4 – –

Part time ................................................................ 2.4 2.4 – – – 1.7 – –

Union ..................................................................... 2.3 2.3 – – – 1.2 – –

Nonunion ............................................................... 1.4 1.4 – – 0.3 0.3 – –

Average wage within the following percentiles:6

Less than 10 ...................................................... – 4.9 – – – 3.5 – –

10 to under 25 ................................................... – 6.2 – – – 0.8 – –

25 to under 50 ................................................... 1.5 1.5 – – 0.5 0.5 – –

50 to under 75 ................................................... 1.6 1.6 – – – 0.5 – 5 ( )

75 to under 90 ................................................... 1.8 1.8 – – – 0.9 – 5 ( )

90 or greater ...................................................... 2.5 2.5 – – – 0.7 – –

Establishment characteristic

Goods-producing industries ................................... 1.7 1.7 – – – 1.1 – –

Construction ...................................................... 5.2 5.2 – – – 4.8 – –

Manufacturing .................................................... 1.8 1.8 – – – 0.3 – –

Service-providing industries .................................. 1.6 1.6 – – 0.2 0.2 – –

Trade, transportation, and utilities ..................... 1.6 1.6 – – 0.8 0.8 – –

Wholesale trade ............................................. 3.5 3.5 – – – 1.6 – –

Retail trade .................................................... 2.5 2.5 – – – 1.4 – –

Transportation and warehousing ................... – 3.1 – – – 0.0 – –

Utilities ........................................................... – 3.8 – – – 1.9 – –

Information ......................................................... – 4.9 – – – 0.0 – –

Financial activities ............................................. 2.8 2.8 – – 0.4 0.4 – –

Finance and insurance .................................. 2.5 2.5 – – 0.5 0.5 – –

Credit intermediation and related activities 3.8 3.8 – – 0.6 0.6 – –

Insurance carriers and related activities .... 2.7 2.7 – – – 1.2 – –

Real estate and rental and leasing ................ – 9.1 – – – 0.0 – –

Professional and business services .................. 3.1 3.1 – – – 0.5 – –

Professional and technical services .............. 3.9 3.9 – – – 1.1 – –

Administrative and waste services ................ – 8.5 – – – 0.0 – –

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, 2008—Continued

Characteristic

Preventive services1 Basic services3

Full

coverage

Coverage

with

limits2

No

coverage

Not

determinable

Full

coverage

Coverage

with

limits2

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... 2.0 2.0 – – – 0.4 – 5 ( )

Educational services ...................................... – 6.0 – 0.6 – 0.9 – 0.6

Junior colleges, colleges, and universities – 2.9 – 0.9 – 0.9 – 0.9

Health care and social assistance ................. 2.1 2.1 – – – 0.4 – –

Leisure and hospitality ....................................... – 8.3 – – – 0.2 – –

Accommodation and food services ................ – 10.5 – – – 0.2 – –

Other services ................................................... – 16.6 – – – 0.0 – –

1 to 99 workers ...................................................... 2.4 2.4 – – – 0.4 – 5 ( )

1 to 49 workers .................................................. 3.0 3.0 – – – 0.6 – –

50 to 99 workers ................................................ 2.4 2.4 – – – 0.4 – 5 ( )

100 workers or more .............................................. 1.4 1.4 – – 0.4 0.4 – –

100 to 499 workers ............................................ 2.1 2.1 – – 0.4 0.4 – –

500 workers or more .......................................... 2.4 2.4 – – – 0.9 – –

Geographic area

New England ......................................................... 2.7 2.7 – – – 1.3 – –

Middle Atlantic ....................................................... 1.8 1.8 – – – 1.4 – –

East North Central ................................................. 3.8 3.8 – – – 0.5 – 5 ( )

West North Central ................................................ – 4.0 – – – 0.4 – –

South Atlantic ........................................................ – 4.7 – – – 0.3 – –

East South Central ................................................ – 3.4 – – – 1.7 – –

West South Central ............................................... 1.8 1.9 – – – 2.5 – 5 ( )

Mountain ................................................................ – 5.5 – – – 1.4 – –

Pacific .................................................................... 2.4 2.4 – – – 0.6 – –

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, 2008—Continued

Characteristic

Major services4

Full

coverage

Coverage

with

limits2

No

coverage

Not

determinable

All workers ............................................................. – 0.4 0.4 –

Worker characteristic

Management, professional, and related ................ – 0.5 0.4 –

Management, business, and financial ............... – 0.6 0.6 –

Professional and related .................................... – 0.5 0.5 –

Service ................................................................... – 0.7 – –

Sales and office ..................................................... – 0.5 0.5 –

Sales and related ............................................... – 1.0 – 5 ( )

Office and administrative support ...................... – 0.6 – 5 ( )

Natural resources, construction, and maintenance – 2.6 – –

Construction, extraction, farming, fishing, and

forestry ............................................................. – 3.8 – –

Installation, maintenance, and repair ................. – 3.6 – –

Production, transportation, and material moving ... – 0.6 – 0.2

Production ......................................................... – 0.9 – 0.4

Transportation and material moving .................. – 0.6 – –

Full time ................................................................. – 0.4 0.4 –

Part time ................................................................ – 1.2 – 5 ( )

Union ..................................................................... – 0.9 – –

Nonunion ............................................................... – 0.4 0.4 –

Average wage within the following percentiles:6

Less than 10 ...................................................... – 2.1 – –

10 to under 25 ................................................... – 1.0 – 0.6

25 to under 50 ................................................... – 0.7 0.7 –

50 to under 75 ................................................... – 0.5 0.4 –

75 to under 90 ................................................... – 0.7 0.7 –

90 or greater ...................................................... – 1.1 1.1 –

Establishment characteristic

Goods-producing industries ................................... – 1.2 – 0.2

Construction ...................................................... – 4.2 – –

Manufacturing .................................................... – 0.8 – 0.3

Service-providing industries .................................. – 0.3 0.3 –

Trade, transportation, and utilities ..................... – 0.8 0.8 –

Wholesale trade ............................................. – 2.1 2.1 –

Retail trade .................................................... – 0.7 – 5 ( )

Transportation and warehousing ................... – 0.5 – –

Utilities ........................................................... – 2.1 – –

Information ......................................................... – 0.5 – –

Financial activities ............................................. – 1.2 – 5 ( )

Finance and insurance .................................. – 1.1 – 5 ( )

Credit intermediation and related activities – 2.1 – –

Insurance carriers and related activities .... – 1.1 – –

Real estate and rental and leasing ................ – 4.4 – –

Professional and business services .................. – 0.2 – –

Professional and technical services .............. – 0.0 – –

Administrative and waste services ................ – 0.0 – –

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, 2008—Continued

Characteristic

Major services4

Full

coverage

Coverage

with

limits2

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... – 0.9 0.9 –

Educational services ...................................... – 1.0 0.8 –

Junior colleges, colleges, and universities – 1.3 1.0 –

Health care and social assistance ................. – 1.1 – –

Leisure and hospitality ....................................... – 0.0 – –

Accommodation and food services ................ – 0.0 – –

Other services ................................................... – 0.0 – –

1 to 99 workers ...................................................... – 0.6 – 5 ( )

1 to 49 workers .................................................. – 0.7 – –

50 to 99 workers ................................................ – 0.9 – 5 ( )

100 workers or more .............................................. – 0.5 0.5 –

100 to 499 workers ............................................ – 0.9 0.8 –

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

Geographic area

New England ......................................................... – 1.5 – –

Middle Atlantic ....................................................... – 0.6 0.6 –

East North Central ................................................. – 0.9 – 0.2

West North Central ................................................ – 1.4 – –

South Atlantic ........................................................ – 1.2 – 5 ( )

East South Central ................................................ – 2.7 – –

West South Central ............................................... – 0.6 – 5 ( )

Mountain ................................................................ – 1.1 – –

Pacific .................................................................... – 0.9 – 5 ( )

1 Preventative services include dental exams,

cleanings, and other preventive care. 2 Coverage for dental procedures may be subject

to scheduled allowance, deductible, or coinsurance

provisions, in addition to maximum dollar limitations. 3 Basic services include dental services such as

fillings, dental surgery, periodontal care, and

endodontics. 4 Major services include dental procedures such

as crowns and prosthetics. 5 Less than 0.05. 6 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 41. Dental care benefits: Coverage for orthodontia, private industry workers,

National Compensation Survey, 2008

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

Characteristic

Employee and dependent

Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

Median

percent

of

covered

charges2

All workers ............................................................. – 37 62 – 50

Worker characteristic

Management, professional, and related ................ – 40 59 – 50

Management, business, and financial ............... – 40 57 – 50

Professional and related .................................... – 39 60 – 50

Service ................................................................... – 27 73 – 50

Sales and office ..................................................... – 38 60 – 50

Sales and related ............................................... – 36 60 – 50

Office and administrative support ...................... – 38 60 – 50

Natural resources, construction, and maintenance – 37 63 – 50

Construction, extraction, farming, fishing, and

forestry ............................................................. – 27 73 – –

Installation, maintenance, and repair ................. – 46 53 – 50

Production, transportation, and material moving ... – 36 63 – 50

Production ......................................................... – 32 66 – 50

Transportation and material moving .................. – 41 59 – 50

Full time ................................................................. – 37 62 – 50

Part time ................................................................ – 31 67 – 50

Union ..................................................................... – 40 60 – 50

Nonunion ............................................................... – 36 62 – 50

Average wage within the following percentiles:3

Less than 10 ...................................................... – 29 71 – 50

10 to under 25 ................................................... – 31 67 – 50

25 to under 50 ................................................... – 34 65 – 50

50 to under 75 ................................................... – 33 66 – 50

75 to under 90 ................................................... – 41 58 – 50

90 or greater ...................................................... – 44 54 – 50

Establishment characteristic

Goods-producing industries ................................... – 35 63 – 50

Construction ...................................................... – 24 73 – –

Manufacturing .................................................... – 39 59 – 50

Service-providing industries .................................. – 37 62 – 50

Trade, transportation, and utilities ..................... – 40 58 – 50

Wholesale trade ............................................. – 36 64 – 50

Retail trade .................................................... – 37 58 – 50

Transportation and warehousing ................... – 53 47 – 50

Utilities ........................................................... – 37 60 – 50

Information ......................................................... – 67 33 – 50

Financial activities ............................................. – 40 57 – 50

Finance and insurance .................................. – 44 53 – 50

Credit intermediation and related activities – 31 66 – 50

Insurance carriers and related activities .... – 50 47 – 50

Real estate and rental and leasing ................ – – 71 3 50

Professional and business services .................. – 36 64 – 50

Professional and technical services .............. – 51 49 – 50

Administrative and waste services ................ – 30 70 – 50

See footnotes at end of table.
Table 41. Dental care benefits: Coverage for orthodontia, private industry workers,

National Compensation Survey, 2008—Continued

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

Characteristic

Employee and dependent

Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

Median

percent

of

covered

charges2

Establishment characteristic

Education and health services ........................... – 31 69 – 50

Educational services ...................................... – 51 48 – 50

Junior colleges, colleges, and universities – 43 56 – 50

Health care and social assistance ................. – 27 73 – 50

Leisure and hospitality ....................................... – 22 78 – 50

Accommodation and food services ................ – 22 78 – 50

Other services ................................................... – – 67 – –

1 to 99 workers ...................................................... – 34 65 – 50

1 to 49 workers .................................................. – 35 63 – 50

50 to 99 workers ................................................ – 32 68 – 50

100 workers or more .............................................. – 38 61 – 50

100 to 499 workers ............................................ – 38 61 – 50

500 workers or more .......................................... – 39 61 – 50

Geographic area

New England ......................................................... – 37 63 – 50

Middle Atlantic ....................................................... – 35 64 – 50

East North Central ................................................. – 38 59 – 50

West North Central ................................................ – 33 66 – 50

South Atlantic ........................................................ – 34 65 – 50

East South Central ................................................ – 30 70 – 50

West South Central ............................................... – 39 61 – 50

Mountain ................................................................ – 41 59 – 50

Pacific .................................................................... – 39 59 – 50

See footnotes at end of table.
Table 41. Dental care benefits: Coverage for orthodontia, private industry workers, National

Compensation Survey, 2008—Continued

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

Characteristic

Dependent only

Median

lifetime

maximum2 Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

Median

percent

of

covered

charges2

All workers ............................................................. – 35 63 – 50 $1,500

Worker characteristic

Management, professional, and related ................ – 33 66 – 50 1,500

Management, business, and financial ............... – 35 63 – 50 1,500

Professional and related .................................... – 32 67 – 50 1,500

Service ................................................................... – 39 61 – 50 1,000

Sales and office ..................................................... – 34 64 – 50 1,500

Sales and related ............................................... – 20 76 – 50 –

Office and administrative support ...................... – 41 58 – 50 1,500

Natural resources, construction, and maintenance – 34 65 – 50 1,500

Construction, extraction, farming, fishing, and

forestry ............................................................. – 35 65 – 50 1,500

Installation, maintenance, and repair ................. – 34 65 – 50 1,500

Production, transportation, and material moving ... – 40 59 – 50 1,500

Production ......................................................... – 43 55 – 50 1,500

Transportation and material moving .................. – 35 65 – 50 1,500

Full time ................................................................. – 35 64 – 50 1,500

Part time ................................................................ – 45 53 – 50 –

Union ..................................................................... – 36 64 – 50 1,500

Nonunion ............................................................... – 35 63 – 50 1,500

Average wage within the following percentiles:3

Less than 10 ...................................................... – 42 58 – 50 1,000

10 to under 25 ................................................... – 32 66 – 50 –

25 to under 50 ................................................... – 39 59 – 50 1,500

50 to under 75 ................................................... – 38 61 – 50 1,500

75 to under 90 ................................................... – 33 66 – 50 1,500

90 or greater ...................................................... – 31 68 – 50 1,500

Establishment characteristic

Goods-producing industries ................................... – 41 57 – 50 1,500

Construction ...................................................... – 34 63 – 50 1,500

Manufacturing .................................................... – 42 56 – 50 1,500

Service-providing industries .................................. – 34 65 – 50 1,500

Trade, transportation, and utilities ..................... – 27 71 – 50 1,500

Wholesale trade ............................................. – 27 73 – 50 1,500

Retail trade .................................................... – 20 76 – 50 1,000

Transportation and warehousing ................... – 37 63 – 50 1,750

Utilities ........................................................... – 45 52 – 50 1,500

Information ......................................................... – 17 83 – 50 1,500

Financial activities ............................................. – 42 55 – 50 1,500

Finance and insurance .................................. – 39 58 – 50 1,500

Credit intermediation and related activities – 52 45 – 50 1,500

Insurance carriers and related activities .... – 32 65 – 50 1,500

Real estate and rental and leasing ................ – 53 44 – 50 –

Professional and business services .................. – 33 66 – 50 1,500

Professional and technical services .............. – 28 72 – 50 1,500

Administrative and waste services ................ – – 73 – 50 1,500

See footnotes at end of table.
Table 41. Dental care benefits: Coverage for orthodontia, private industry workers, National

Compensation Survey, 2008—Continued

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

Characteristic

Dependent only

Median

lifetime

maximum2 Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

Median

percent

of

covered

charges2

Establishment characteristic

Education and health services ........................... – 41 59 – 50 –

Educational services ...................................... – 26 73 – 50 $1,400

Junior colleges, colleges, and universities – 34 65 – 50 1,500

Health care and social assistance ................. – 43 57 – 50 –

Leisure and hospitality ....................................... – 37 63 – 50 1,500

Accommodation and food services ................ – – 68 – 50 1,500

Other services ................................................... – – 70 – 50 1,000

1 to 99 workers ...................................................... – 29 69 – 50 1,250

1 to 49 workers .................................................. – 28 70 – 50 1,250

50 to 99 workers ................................................ – 32 67 – 50 1,200

100 workers or more .............................................. – 38 61 – 50 1,500

100 to 499 workers ............................................ – 35 64 – 50 1,500

500 workers or more .......................................... – 42 57 – 50 1,500

Geographic area

New England ......................................................... – 33 67 – 50 –

Middle Atlantic ....................................................... – 38 61 – 50 1,500

East North Central ................................................. – 36 62 – 50 1,500

West North Central ................................................ – 42 57 – 50 1,000

South Atlantic ........................................................ – 32 67 – 50 1,500

East South Central ................................................ – 44 56 – 50 1,500

West South Central ............................................... – 34 66 – 50 1,500

Mountain ................................................................ – 43 57 – 50 1,500

Pacific .................................................................... – 30 69 – 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 The percentile groupings are based on the average wage for

each occupation surveyed, which may include workers both above

and below the threshold. The percentile values are based on the

estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 41. Standard errors for dental care benefits: Coverage for orthodontia,

private industry workers, National Compensation Survey, 2008

Characteristic

Employee and dependent

Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

Median

percent

of

covered

charges2

All workers ............................................................. – 1.6 1.6 – 0.0

Worker characteristic

Management, professional, and related ................ – 2.6 2.6 – 0.0

Management, business, and financial ............... – 2.7 2.7 – 0.0

Professional and related .................................... – 3.5 3.5 – 0.0

Service ................................................................... – 4.6 4.6 – 0.0

Sales and office ..................................................... – 2.6 2.5 – 0.0

Sales and related ............................................... – 3.4 3.3 – 0.0

Office and administrative support ...................... – 3.3 3.4 – 0.0

Natural resources, construction, and maintenance – 4.0 4.0 – 12.1

Construction, extraction, farming, fishing, and

forestry ............................................................. – 7.1 7.1 – –

Installation, maintenance, and repair ................. – 5.2 5.2 – 2.8

Production, transportation, and material moving ... – 3.2 3.3 – 0.0

Production ......................................................... – 3.6 3.7 – 0.0

Transportation and material moving .................. – 4.8 4.8 – 0.0

Full time ................................................................. – 1.6 1.6 – 0.0

Part time ................................................................ – 4.7 4.8 – 0.0

Union ..................................................................... – 3.1 3.1 – 0.0

Nonunion ............................................................... – 1.8 1.8 – 0.0

Average wage within the following percentiles:3

Less than 10 ...................................................... – 8.0 8.0 – 11.9

10 to under 25 ................................................... – 6.2 6.3 – 0.0

25 to under 50 ................................................... – 2.1 2.1 – 0.0

50 to under 75 ................................................... – 2.1 2.1 – 0.0

75 to under 90 ................................................... – 3.2 3.2 – 0.0

90 or greater ...................................................... – 3.1 3.4 – 0.0

Establishment characteristic

Goods-producing industries ................................... – 3.1 3.1 – 0.0

Construction ...................................................... – 5.7 5.1 – –

Manufacturing .................................................... – 4.1 4.2 – 0.0

Service-providing industries .................................. – 1.9 1.9 – 0.0

Trade, transportation, and utilities ..................... – 2.9 3.0 – 0.0

Wholesale trade ............................................. – 5.7 5.7 – 0.0

Retail trade .................................................... – 3.3 3.4 – 0.0

Transportation and warehousing ................... – 7.4 7.4 – 0.0

Utilities ........................................................... – 8.3 8.5 – 0.0

Information ......................................................... – 6.0 6.0 – 0.0

Financial activities ............................................. – 3.3 3.1 – 0.0

Finance and insurance .................................. – 3.2 3.0 – 0.0

Credit intermediation and related activities – 4.3 4.2 – 0.0

Insurance carriers and related activities .... – 3.9 4.2 – 0.0

Real estate and rental and leasing ................ – – 8.0 2.8 4.4

Professional and business services .................. – 4.6 4.5 – 0.0

Professional and technical services .............. – 7.8 7.8 – 0.0

Administrative and waste services ................ – 8.9 8.9 – 10.9

See footnotes at end of table.
Table 41. Standard errors for dental care benefits: Coverage for orthodontia,

private industry workers, National Compensation Survey, 2008—Continued

Characteristic

Employee and dependent

Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

Median

percent

of

covered

charges2

Establishment characteristic

Education and health services ........................... – 3.1 3.2 – 0.0

Educational services ...................................... – 6.4 6.4 – 0.0

Junior colleges, colleges, and universities – 4.5 4.4 – 0.0

Health care and social assistance ................. – 3.7 3.7 – 0.0

Leisure and hospitality ....................................... – 4.3 4.3 – 4.4

Accommodation and food services ................ – 5.0 5.0 – 7.3

Other services ................................................... – – 17.1 – –

1 to 99 workers ...................................................... – 2.6 2.7 – 0.0

1 to 49 workers .................................................. – 3.2 3.4 – 0.0

50 to 99 workers ................................................ – 4.7 4.8 – 0.0

100 workers or more .............................................. – 1.8 1.8 – 0.0

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

500 workers or more .......................................... – 3.2 3.1 – 0.0

Geographic area

New England ......................................................... – 5.3 5.3 – 0.0

Middle Atlantic ....................................................... – 3.6 3.7 – 0.0

East North Central ................................................. – 3.1 3.3 – 0.0

West North Central ................................................ – 4.6 4.3 – 0.0

South Atlantic ........................................................ – 6.6 6.6 – 0.0

East South Central ................................................ – 7.6 7.6 – 2.8

West South Central ............................................... – 4.9 4.9 – 0.0

Mountain ................................................................ – 4.8 4.8 – 0.0

Pacific .................................................................... – 2.7 2.9 – 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, 2008—Continued

Characteristic

Dependent only

Median

lifetime

maximum2 Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

Median

percent

of

covered

charges2

All workers ............................................................. – 2.0 2.0 – 0.0 $0.00

Worker characteristic

Management, professional, and related ................ – 2.8 2.8 – 0.0 0.00

Management, business, and financial ............... – 2.7 3.1 – 0.0 0.00

Professional and related .................................... – 3.7 3.7 – 0.0 0.00

Service ................................................................... – 6.3 6.3 – 0.0 260.49

Sales and office ..................................................... – 2.7 2.7 – 0.0 0.00

Sales and related ............................................... – 3.1 3.3 – 0.0 –

Office and administrative support ...................... – 3.3 3.2 – 0.0 0.00

Natural resources, construction, and maintenance – 4.6 4.6 – 0.0 0.00

Construction, extraction, farming, fishing, and

forestry ............................................................. – 7.7 7.7 – 0.0 342.11

Installation, maintenance, and repair ................. – 4.8 4.8 – 0.0 0.00

Production, transportation, and material moving ... – 3.1 3.1 – 0.0 39.24

Production ......................................................... – 4.1 4.1 – 0.0 0.00

Transportation and material moving .................. – 4.2 4.2 – 0.0 132.35

Full time ................................................................. – 2.0 2.0 – 0.0 0.00

Part time ................................................................ – 6.8 6.6 – 0.0 –

Union ..................................................................... – 4.5 4.5 – 0.0 48.06

Nonunion ............................................................... – 1.9 2.0 – 0.0 0.00

Average wage within the following percentiles:3

Less than 10 ...................................................... – 11.8 11.8 – 0.0 0.00

10 to under 25 ................................................... – 6.6 6.6 – 0.0 –

25 to under 50 ................................................... – 2.3 2.4 – 0.0 88.84

50 to under 75 ................................................... – 3.0 3.0 – 0.0 0.00

75 to under 90 ................................................... – 3.6 3.6 – 0.0 0.00

90 or greater ...................................................... – 3.1 2.9 – 0.0 0.00

Establishment characteristic

Goods-producing industries ................................... – 3.8 3.8 – 0.0 0.00

Construction ...................................................... – 8.7 9.2 – 0.0 0.00

Manufacturing .................................................... – 4.3 4.3 – 0.0 79.70

Service-providing industries .................................. – 2.0 2.0 – 0.0 0.00

Trade, transportation, and utilities ..................... – 2.7 2.6 – 0.0 0.00

Wholesale trade ............................................. – 4.2 4.2 – 0.0 0.00

Retail trade .................................................... – 3.5 3.8 – 0.0 0.00

Transportation and warehousing ................... – 7.4 7.4 – 0.0 438.75

Utilities ........................................................... – 10.0 10.0 – 0.0 224.79

Information ......................................................... – 4.7 4.6 – 0.0 0.00

Financial activities ............................................. – 3.5 3.6 – 0.0 0.00

Finance and insurance .................................. – 3.3 3.3 – 0.0 0.00

Credit intermediation and related activities – 5.3 5.0 – 0.0 0.00

Insurance carriers and related activities .... – 5.0 5.0 – 0.0 0.00

Real estate and rental and leasing ................ – 9.8 11.0 – 0.0 –

Professional and business services .................. – 5.3 5.4 – 0.0 49.05

Professional and technical services .............. – 6.7 6.7 – 0.0 342.81

Administrative and waste services ................ – – 10.6 – 0.0 76.62

See footnotes at end of table.
Table 41. Standard errors for dental care benefits: Coverage for orthodontia, private

industry workers, National Compensation Survey, 2008—Continued

Characteristic

Dependent only

Median

lifetime

maximum2 Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

Median

percent

of

covered

charges2

Establishment characteristic

Education and health services ........................... – 4.6 4.6 – 0.0 –

Educational services ...................................... – 3.9 4.0 – 0.0 $417.39

Junior colleges, colleges, and universities – 3.7 3.7 – 0.0 0.00

Health care and social assistance ................. – 5.4 5.4 – 0.0 –

Leisure and hospitality ....................................... – 10.3 10.3 – 0.0 325.38

Accommodation and food services ................ – – 12.4 – 0.0 0.00

Other services ................................................... – – 12.7 – 0.0 0.00

1 to 99 workers ...................................................... – 3.2 3.2 – 0.0 87.20

1 to 49 workers .................................................. – 3.4 3.4 – 0.0 185.89

50 to 99 workers ................................................ – 6.0 6.0 – 0.0 187.95

100 workers or more .............................................. – 2.2 2.3 – 0.0 0.00

100 to 499 workers ............................................ – 3.1 3.2 – 0.0 0.00

500 workers or more .......................................... – 3.0 3.0 – 0.0 0.00

Geographic area

New England ......................................................... – 7.4 7.4 – 0.0 –

Middle Atlantic ....................................................... – 7.8 8.1 – 0.0 58.86

East North Central ................................................. – 2.3 2.3 – 0.0 76.62

West North Central ................................................ – 4.9 5.0 – 0.0 167.07

South Atlantic ........................................................ – 4.6 4.8 – 0.0 0.00

East South Central ................................................ – 10.4 10.4 – 0.0 155.74

West South Central ............................................... – 4.4 4.4 – 0.0 0.00

Mountain ................................................................ – 7.2 7.1 – 0.0 0.00

Pacific .................................................................... – 3.6 3.6 – 0.0 0.00

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 The percentile groupings are based on the average wage for

each occupation surveyed, which may include workers both above

and below the threshold. The percentile values are based on the

estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 42. Dental care benefits: Median percent of covered charges

paid by plan for selected services, private industry workers,

National Compensation Survey, 2008

(Includes all workers participating in dental care plans)

Characteristic Preventive

services1

Basic

services2

Major

services3

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

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 60

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 percentiles:4

Less than 10 ...................................................... 100 80 50

10 to under 25 ................................................... 100 80 50

25 to under 50 ................................................... 100 80 50

50 to under 75 ................................................... 100 80 50

75 to under 90 ................................................... 100 80 50

90 or greater ...................................................... 100 80 50

Establishment characteristic

Goods-producing industries ................................... 100 80 50

Construction ...................................................... 100 80 50

Manufacturing .................................................... 100 80 50

Service-providing industries .................................. 100 80 50

Trade, transportation, and utilities ..................... 100 80 50

Wholesale trade ............................................. 100 80 50

Retail trade .................................................... 100 80 50

Transportation and warehousing ................... 100 80 50

Utilities ........................................................... 100 80 50

Information ......................................................... 100 80 50

Financial activities ............................................. 100 80 50

Finance and insurance .................................. 100 80 50

Credit intermediation and related activities 100 80 50

Insurance carriers and related activities .... 100 80 50

Real estate and rental and leasing ................ 100 80 50

Professional and business services .................. 100 80 50

Professional and technical services .............. 100 80 50

Administrative and waste services ................ 100 80 50

Education and health services ........................... 100 80 50

Educational services ...................................... 100 80 50

Junior colleges, colleges, and universities 100 80 50

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, 2008—Continued

(Includes all workers participating in dental care plans)

Characteristic Preventive

services1

Basic

services2

Major

services3

Establishment characteristic

Health care and social assistance ................. 100 80 50

Leisure and hospitality ....................................... 100 80 50

Accommodation and food services ................ 100 80 50

Other 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 Preventative services include dental

exams, cleanings, and other preventive care. 2 Basic services include dental services

such as fillings, dental surgery, periodontal care,

and endodontics. 3 Major services include dental procedures

such as crowns and prosthetics. 4 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and

below the threshold. The percentile values are

based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2007." See

Technical Note for more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 42. Standard errors for dental care benefits: Median percent

of covered charges paid by plan for selected services, private

industry workers, National Compensation Survey, 2008

Characteristic Preventive

services1

Basic

services2

Major

services3

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

Sales and office ..................................................... 0.0 0.0 0.0

Sales and related ............................................... 0.0 0.0 0.0

Office and administrative support ...................... 0.0 0.0 0.0

Natural resources, construction, and maintenance 0.0 0.0 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.0 0.0 11.0

Installation, maintenance, and repair ................. 0.0 0.0 0.0

Production, transportation, and material moving ... 0.0 0.0 0.0

Production ......................................................... 0.0 0.0 0.0

Transportation and material moving .................. 0.0 0.0 0.0

Full time ................................................................. 0.0 0.0 0.0

Part time ................................................................ 0.0 0.0 0.0

Union ..................................................................... 0.0 0.0 0.0

Nonunion ............................................................... 0.0 0.0 0.0

Average wage within the following percentiles:4

Less than 10 ...................................................... 0.0 0.0 0.0

10 to under 25 ................................................... 0.0 0.0 0.0

25 to under 50 ................................................... 0.0 0.0 0.0

50 to under 75 ................................................... 0.0 0.0 0.0

75 to under 90 ................................................... 0.0 0.0 0.0

90 or greater ...................................................... 0.0 0.0 0.0

Establishment characteristic

Goods-producing industries ................................... 0.0 0.0 0.0

Construction ...................................................... 0.0 0.0 0.0

Manufacturing .................................................... 0.0 0.0 0.0

Service-providing industries .................................. 0.0 0.0 0.0

Trade, transportation, and utilities ..................... 0.0 0.0 0.0

Wholesale trade ............................................. 0.0 0.0 0.0

Retail trade .................................................... 0.0 0.0 0.0

Transportation and warehousing ................... 0.0 0.0 0.0

Utilities ........................................................... 0.0 0.0 0.0

Information ......................................................... 0.0 0.0 2.0

Financial activities ............................................. 0.0 0.0 0.0

Finance and insurance .................................. 0.0 0.0 0.0

Credit intermediation and related activities 0.0 0.0 0.0

Insurance carriers and related activities .... 0.0 0.0 0.0

Real estate and rental and leasing ................ 0.0 0.0 0.0

Professional and business services .................. 0.0 0.0 0.0

Professional and technical services .............. 0.0 0.0 0.0

Administrative and waste services ................ 0.0 0.0 0.0

Education and health services ........................... 0.0 0.0 0.0

Educational services ...................................... 0.0 0.0 0.0

Junior colleges, colleges, and universities 0.0 0.0 0.0

Health care and social assistance ................. 0.0 0.0 0.0

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,

2008—Continued

Characteristic Preventive

services1

Basic

services2

Major

services3

Establishment characteristic

Leisure and hospitality ....................................... 0.0 0.0 0.0

Accommodation and food services ................ 0.0 0.0 0.0

Other 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 0.0

West South Central ............................................... 0.0 0.0 0.0

Mountain ................................................................ 0.0 0.0 0.0

Pacific .................................................................... 0.0 0.0 0.0

1 Preventative services include dental

exams, cleanings, and other preventive care. 2 Basic services include dental services

such as fillings, dental surgery, periodontal care,

and endodontics. 3 Major services include dental procedures

such as crowns and prosthetics. 4 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and

below the threshold. The percentile values are

based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2007." See

Technical Note for more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 43. Dental care benefits: Amount of annual individual deductible,1 private industry workers, National Compensation

Survey, 2008

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

Characteristic 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 72 $25 $50 $50 $50 $50 26 2

Worker characteristic

Management, professional, and related ................ 100 71 25 50 50 50 50 28 2

Management, business, and financial ............... 100 71 25 50 50 50 50 26 2

Professional and related .................................... 100 70 25 50 50 50 50 29 1

Service ................................................................... 100 67 25 25 50 50 50 31 1

Sales and office ..................................................... 100 75 25 50 50 50 50 22 3

Sales and related ............................................... 100 77 50 50 50 50 50 20 3

Office and administrative support ...................... 100 75 25 50 50 50 50 23 2

Natural resources, construction, and maintenance 100 66 25 30 50 50 60 31 3

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 56 25 25 50 50 50 40 3

Installation, maintenance, and repair ................. 100 74 25 50 50 50 75 23 3

Production, transportation, and material moving ... 100 77 25 50 50 50 50 20 3

Production ......................................................... 100 78 25 25 50 50 50 19 4

Transportation and material moving .................. 100 75 25 50 50 50 50 23 2

Full time ................................................................. 100 72 25 50 50 50 50 25 2

Part time ................................................................ 100 67 25 50 50 50 50 29 4

Union ..................................................................... 100 58 25 25 50 50 50 40 2

Nonunion ............................................................... 100 75 25 50 50 50 50 22 2

Average wage within the following percentiles:2

Less than 10 ...................................................... 100 66 25 50 50 50 50 27 7

10 to under 25 ................................................... 100 79 25 50 50 50 50 – –

25 to under 50 ................................................... 100 74 25 50 50 50 50 25 2

50 to under 75 ................................................... 100 73 25 30 50 50 50 25 3

75 to under 90 ................................................... 100 70 25 50 50 50 50 29 2

90 or greater ...................................................... 100 71 25 50 50 50 50 28 2

Establishment characteristic

Goods-producing industries ................................... 100 74 25 25 50 50 50 24 2

Construction ...................................................... 100 61 25 25 50 50 50 36 3

Manufacturing .................................................... 100 78 25 25 50 50 50 20 2

Service-providing industries .................................. 100 72 25 50 50 50 50 26 2

Trade, transportation, and utilities ..................... 100 78 25 50 50 50 50 19 3

Wholesale trade ............................................. 100 74 25 50 50 50 50 26 3 ( )

Retail trade .................................................... 100 77 25 50 50 50 50 18 5

Transportation and warehousing ................... 100 88 25 50 50 50 60 – –

Utilities ........................................................... 100 77 25 25 50 50 50 23 1

Information ......................................................... 100 72 25 50 50 50 50 28 3 ( )

Financial activities ............................................. 100 75 25 50 50 50 60 22 3

Finance and insurance .................................. 100 78 25 50 50 50 60 20 3

Credit intermediation and related activities 100 73 25 50 50 50 50 24 3

Insurance carriers and related activities .... 100 80 25 50 50 50 75 17 3

Real estate and rental and leasing ................ 100 65 50 50 50 50 75 30 5

Professional and business services .................. 100 73 25 50 50 50 50 25 2

Professional and technical services .............. 100 67 25 50 50 50 50 31 1

Administrative and waste services ................ 100 77 25 25 50 50 50 – –

See footnotes at end of table.
Table 43. Dental care benefits: Amount of annual individual deductible,1 private industry workers, National Compensation

Survey, 2008—Continued

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

Characteristic 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

Establishment characteristic

Education and health services ........................... 100 62 $25 $25 $50 $50 $50 37 1

Educational services ...................................... 100 66 25 50 50 50 75 32 3

Junior colleges, colleges, and universities 100 65 25 50 50 50 50 34 1

Health care and social assistance ................. 100 62 25 25 50 50 50 38 1

Leisure and hospitality ....................................... 100 62 50 50 50 50 50 36 2

Accommodation and food services ................ 100 59 25 50 50 50 50 39 –

Other services ................................................... 100 72 25 25 50 50 50 – –

1 to 99 workers ...................................................... 100 71 25 50 50 50 50 26 4

1 to 49 workers .................................................. 100 71 25 50 50 50 50 24 5

50 to 99 workers ................................................ 100 70 25 50 50 50 75 29 1

100 workers or more .............................................. 100 73 25 50 50 50 50 26 2

100 to 499 workers ............................................ 100 76 25 50 50 50 50 22 2

500 workers or more .......................................... 100 69 25 25 50 50 50 30 1

Geographic area

New England ......................................................... 100 74 25 50 50 50 50 – –

Middle Atlantic ....................................................... 100 62 25 25 50 50 50 34 4

East North Central ................................................. 100 65 25 50 50 50 50 32 3

West North Central ................................................ 100 75 25 25 50 50 50 24 2

South Atlantic ........................................................ 100 81 25 50 50 50 50 17 2

East South Central ................................................ 100 83 25 30 50 50 50 – –

West South Central ............................................... 100 74 25 50 50 50 50 25 1

Mountain ................................................................ 100 75 25 50 50 50 50 20 5

Pacific .................................................................... 100 74 25 50 50 50 50 25 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 The percentile groupings are based on the average wage for each occupation

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

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

Occupational Earnings in the United States, 2007." See Technical Note for more details. 3 Less than 0.5 percent.

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/glossary20082009.htm.
Table 43. Standard errors for dental care benefits: Amount of annual individual deductible,1 private industry

workers, National Compensation Survey, 2008

Characteristic

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 ............................................................. 1.7 $0.00 $0.00 $0.00 $0.00 $0.00 1.7 0.4

Worker characteristic

Management, professional, and related ................ 2.8 0.00 0.00 0.00 0.00 0.00 2.8 0.4

Management, business, and financial ............... 2.7 0.00 0.00 0.00 0.00 0.00 2.6 0.7

Professional and related .................................... 3.6 0.00 4.91 0.00 0.00 2.77 3.7 0.4

Service ................................................................... 7.1 0.00 0.00 0.00 0.00 2.77 6.7 0.9

Sales and office ..................................................... 2.1 0.00 0.00 0.00 0.00 0.00 2.0 0.7

Sales and related ............................................... 3.5 26.65 0.00 0.00 0.00 0.00 3.3 1.2

Office and administrative support ...................... 2.3 0.00 18.67 0.00 0.00 0.00 2.3 0.7

Natural resources, construction, and maintenance 3.9 0.00 21.36 0.00 0.00 28.45 3.9 1.4

Construction, extraction, farming, fishing, and

forestry ............................................................. 6.3 0.00 0.00 0.00 0.00 38.00 6.5 2.4

Installation, maintenance, and repair ................. 3.9 3.67 2.94 0.00 0.00 21.25 3.6 1.9

Production, transportation, and material moving ... 2.6 0.00 22.97 0.00 0.00 0.00 2.5 1.0

Production ......................................................... 3.1 0.00 19.20 0.00 0.00 0.00 3.0 1.4

Transportation and material moving .................. 4.1 0.00 0.00 0.00 0.00 3.40 3.9 1.1

Full time ................................................................. 1.8 0.00 5.55 0.00 0.00 0.00 1.8 0.4

Part time ................................................................ 5.5 12.98 0.00 0.00 0.00 0.00 5.3 1.5

Union ..................................................................... 3.8 0.00 0.00 0.00 0.00 0.00 3.6 0.7

Nonunion ............................................................... 1.7 0.00 0.00 0.00 0.00 0.00 1.6 0.5

Average wage within the following percentiles:2

Less than 10 ...................................................... 9.4 35.71 0.00 0.00 0.00 0.00 7.7 5.1

10 to under 25 ................................................... 6.3 0.00 0.00 0.00 0.00 0.00 – –

25 to under 50 ................................................... 2.7 0.00 0.00 0.00 0.00 11.85 2.7 0.6

50 to under 75 ................................................... 2.5 0.00 24.43 0.00 0.00 0.00 2.4 0.8

75 to under 90 ................................................... 2.1 0.00 24.59 0.00 0.00 0.00 2.1 0.6

90 or greater ...................................................... 2.9 0.00 0.00 0.00 0.00 0.00 3.0 0.6

Establishment characteristic

Goods-producing industries ................................... 2.7 0.00 9.41 0.00 0.00 1.96 2.7 0.7

Construction ...................................................... 6.3 0.00 4.91 0.00 0.00 30.63 5.9 2.1

Manufacturing .................................................... 2.8 0.00 16.45 0.00 0.00 0.00 2.8 0.6

Service-providing industries .................................. 1.9 0.00 0.00 0.00 0.00 0.00 1.9 0.5

Trade, transportation, and utilities ..................... 2.5 0.00 0.00 0.00 0.00 15.57 2.3 1.0

Wholesale trade ............................................. 5.7 0.00 25.49 0.00 0.00 23.01 5.7 3 ( )

Retail trade .................................................... 3.1 26.42 0.00 0.00 0.00 0.00 2.6 2.0

Transportation and warehousing ................... 4.6 17.69 0.00 0.00 1.96 0.00 – –

Utilities ........................................................... 5.6 0.00 8.50 0.00 0.00 43.61 5.5 0.6

Information ......................................................... 5.9 0.00 21.49 0.00 0.00 4.39 5.8 3 ( )

Financial activities ............................................. 3.0 27.77 0.00 0.00 0.00 16.33 2.7 0.8

Finance and insurance .................................. 2.2 12.02 0.00 0.00 0.00 10.97 2.2 0.7

Credit intermediation and related activities 3.4 4.91 0.00 0.00 0.00 0.00 3.5 1.5

Insurance carriers and related activities .... 3.7 28.18 0.00 0.00 0.00 7.21 3.9 1.8

Real estate and rental and leasing ................ 10.6 0.00 0.00 0.00 0.00 35.37 8.8 3.1

Professional and business services .................. 3.9 0.00 23.67 0.00 0.00 0.00 3.7 0.9

Professional and technical services .............. 7.1 29.02 0.00 0.00 0.00 7.34 6.8 0.8

Administrative and waste services ................ 10.3 0.00 12.29 4.91 0.00 0.00 – –

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, 2008—Continued

Characteristic

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

Establishment characteristic

Education and health services ........................... 4.6 $0.00 $8.50 $0.00 $0.00 $0.00 4.6 0.5

Educational services ...................................... 5.9 17.69 0.00 0.00 0.00 35.35 5.7 2.4

Junior colleges, colleges, and universities 4.2 0.00 0.00 0.00 0.00 0.00 4.2 0.1

Health care and social assistance ................. 5.1 0.00 0.00 0.00 0.00 0.00 5.2 0.4

Leisure and hospitality ....................................... 8.9 33.63 0.00 0.00 0.00 0.00 9.0 1.6

Accommodation and food services ................ 10.9 34.34 0.00 0.00 0.00 0.00 11.0 –

Other services ................................................... 14.3 0.00 31.41 0.00 0.00 0.00 – –

1 to 99 workers ...................................................... 3.1 0.00 0.00 0.00 0.00 0.00 2.8 1.2

1 to 49 workers .................................................. 4.2 0.00 0.00 0.00 0.00 0.00 3.9 1.7

50 to 99 workers ................................................ 4.5 0.00 0.00 0.00 0.00 30.60 4.5 0.5

100 workers or more .............................................. 1.9 0.00 28.42 0.00 0.00 0.00 1.9 0.3

100 to 499 workers ............................................ 2.8 0.00 0.00 0.00 0.00 3.40 2.7 0.6

500 workers or more .......................................... 2.7 0.00 0.98 0.00 0.00 0.00 2.8 0.4

Geographic area

New England ......................................................... 10.3 0.00 0.00 0.00 0.00 54.65 – –

Middle Atlantic ....................................................... 3.3 0.00 0.00 0.00 0.00 0.00 2.6 1.2

East North Central ................................................. 4.1 0.00 24.70 0.00 0.00 0.00 4.3 0.8

West North Central ................................................ 4.6 0.00 0.00 0.00 0.00 17.74 4.7 0.4

South Atlantic ........................................................ 2.6 0.00 0.00 0.00 0.00 18.04 2.6 1.0

East South Central ................................................ 6.0 1.96 30.67 0.00 0.00 0.00 – –

West South Central ............................................... 4.2 0.00 2.94 0.00 0.00 0.00 4.0 0.4

Mountain ................................................................ 5.6 0.00 0.00 0.00 0.00 5.19 5.5 4.7

Pacific .................................................................... 5.6 0.00 10.97 0.00 0.00 6.80 5.7 0.3

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 percentile groupings are based on the average wage for each occupation

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

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 44. Dental care benefits: Amount of annual family deductible,1 private industry workers, National Compensation

Survey, 2008

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

Characteristic 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 56 $75 $100 $150 $150 $150 41 2

Worker characteristic

Management, professional, and related ................ 100 56 75 100 150 150 150 43 2

Management, business, and financial ............... 100 55 75 100 150 150 150 42 2

Professional and related .................................... 100 56 75 100 150 150 150 43 1

Service ................................................................... 100 46 50 75 150 150 150 53 1

Sales and office ..................................................... 100 61 75 100 150 150 150 36 3

Sales and related ............................................... 100 61 75 100 150 150 150 36 3

Office and administrative support ...................... 100 61 75 100 150 150 150 36 2

Natural resources, construction, and maintenance 100 47 75 100 150 150 200 50 3

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 38 50 75 150 150 150 59 3

Installation, maintenance, and repair ................. 100 55 90 100 150 150 225 42 3

Production, transportation, and material moving ... 100 62 75 100 150 150 150 35 3

Production ......................................................... 100 65 75 75 150 150 150 31 4

Transportation and material moving .................. 100 57 100 125 150 150 200 42 2

Full time ................................................................. 100 56 75 100 150 150 150 41 2

Part time ................................................................ 100 55 75 150 150 150 150 42 4

Union ..................................................................... 100 39 75 75 125 150 150 59 2

Nonunion ............................................................... 100 60 75 100 150 150 150 37 2

Average wage within the following percentiles:2

Less than 10 ...................................................... 100 33 50 100 150 150 150 60 7

10 to under 25 ................................................... 100 51 75 100 150 150 200 47 –

25 to under 50 ................................................... 100 63 75 100 150 150 150 36 2

50 to under 75 ................................................... 100 59 75 75 150 150 150 38 3

75 to under 90 ................................................... 100 53 75 90 150 150 150 45 2

90 or greater ...................................................... 100 53 75 100 150 150 150 46 2

Establishment characteristic

Goods-producing industries ................................... 100 59 75 75 150 150 150 39 2

Construction ...................................................... 100 40 50 75 150 150 200 57 3

Manufacturing .................................................... 100 66 75 75 150 150 150 32 2

Service-providing industries .................................. 100 56 75 100 150 150 150 42 2

Trade, transportation, and utilities ..................... 100 60 75 100 150 150 225 36 3

Wholesale trade ............................................. 100 61 50 100 150 150 200 38 3 ( )

Retail trade .................................................... 100 62 75 100 150 150 200 33 5

Transportation and warehousing ................... 100 58 100 100 150 225 240 40 –

Utilities ........................................................... 100 52 75 75 150 150 200 48 1

Information ......................................................... 100 58 75 100 150 150 150 42 3 ( )

Financial activities ............................................. 100 64 75 150 150 150 150 33 3

Finance and insurance .................................. 100 65 75 150 150 150 150 32 3

Credit intermediation and related activities 100 58 75 150 150 150 150 39 3

Insurance carriers and related activities .... 100 74 75 150 150 150 150 23 3

Real estate and rental and leasing ................ 100 57 150 150 150 150 225 38 5

Professional and business services .................. 100 52 75 100 150 150 150 46 2

Professional and technical services .............. 100 43 75 150 150 150 240 56 1

Administrative and waste services ................ 100 51 75 75 150 150 150 46 –

See footnotes at end of table.
Table 44. Dental care benefits: Amount of annual family deductible,1 private industry workers, National Compensation

Survey, 2008—Continued

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

Characteristic 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

Establishment characteristic

Education and health services ........................... 100 56 $50 $75 $150 $150 $150 43 1

Educational services ...................................... 100 53 100 100 150 150 150 44 3

Junior colleges, colleges, and universities 100 51 75 100 150 150 150 48 1

Health care and social assistance ................. 100 57 50 75 150 150 150 42 1

Leisure and hospitality ....................................... 100 28 75 100 150 150 150 70 2

Accommodation and food services ................ 100 – – – – – – 79 –

Other services ................................................... 100 49 75 75 150 150 150 41 –

1 to 99 workers ...................................................... 100 52 75 150 150 150 150 45 4

1 to 49 workers .................................................. 100 52 75 100 150 150 150 43 5

50 to 99 workers ................................................ 100 51 75 150 150 150 200 48 1

100 workers or more .............................................. 100 59 75 75 150 150 150 40 2

100 to 499 workers ............................................ 100 60 75 100 150 150 200 38 2

500 workers or more .......................................... 100 57 75 75 150 150 150 41 1

Geographic area

New England ......................................................... 100 63 75 100 150 150 150 36 –

Middle Atlantic ....................................................... 100 54 50 75 150 150 150 43 4

East North Central ................................................. 100 53 75 100 150 150 150 44 3

West North Central ................................................ 100 55 75 75 150 150 150 44 2

South Atlantic ........................................................ 100 64 75 100 150 150 150 34 2

East South Central ................................................ 100 71 75 90 150 150 150 28 –

West South Central ............................................... 100 54 50 100 150 150 150 45 1

Mountain ................................................................ 100 60 75 100 150 150 200 35 5

Pacific .................................................................... 100 52 75 75 150 150 200 47 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 The percentile groupings are based on the average wage for each occupation

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

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

Occupational Earnings in the United States, 2007." See Technical Note for more details.

3 Less than 0.5 percent.

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/glossary20082009.htm.
Table 44. Standard errors for dental care benefits: Amount of annual family deductible,1 private industry workers,

National Compensation Survey, 2008

Characteristic

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 ............................................................. 1.8 $0.00 $7.47 $0.00 $0.00 $0.00 1.8 0.4

Worker characteristic

Management, professional, and related ................ 3.0 0.00 4.91 0.00 0.00 9.81 3.0 0.4

Management, business, and financial ............... 2.9 0.00 7.85 0.00 0.00 42.54 2.8 0.7

Professional and related .................................... 4.1 0.00 30.63 0.00 0.00 13.87 4.2 0.4

Service ................................................................... 6.6 31.41 0.00 58.86 0.00 54.53 6.2 0.9

Sales and office ..................................................... 2.5 0.00 0.00 0.00 0.00 0.00 2.5 0.7

Sales and related ............................................... 4.0 26.42 66.42 0.00 0.00 0.00 4.0 1.2

Office and administrative support ...................... 2.9 0.00 14.28 0.00 0.00 0.00 2.9 0.7

Natural resources, construction, and maintenance 4.3 0.00 14.98 0.00 0.00 54.18 4.2 1.4

Construction, extraction, farming, fishing, and

forestry ............................................................. 6.5 17.69 0.00 33.63 0.00 0.00 6.8 2.4

Installation, maintenance, and repair ................. 4.1 5.28 35.03 0.00 0.00 28.67 3.9 1.9

Production, transportation, and material moving ... 2.8 0.00 29.28 0.00 0.00 9.81 2.8 1.0

Production ......................................................... 3.4 29.84 0.00 13.20 0.00 0.00 3.4 1.4

Transportation and material moving .................. 4.4 31.02 38.62 0.00 0.00 32.91 4.3 1.1

Full time ................................................................. 1.8 0.00 13.24 0.00 0.00 0.00 1.8 0.4

Part time ................................................................ 6.6 18.35 17.69 0.00 0.00 16.99 6.4 1.5

Union ..................................................................... 4.0 0.00 22.71 40.45 0.00 0.00 3.9 0.7

Nonunion ............................................................... 1.9 0.00 1.96 0.00 0.00 3.92 1.8 0.5

Average wage within the following percentiles:2

Less than 10 ...................................................... 9.4 66.54 57.21 0.00 0.00 39.24 10.1 5.1

10 to under 25 ................................................... 7.0 14.68 46.02 0.00 0.00 50.98 7.1 –

25 to under 50 ................................................... 2.8 0.00 9.15 0.00 0.00 70.75 2.8 0.6

50 to under 75 ................................................... 2.8 0.00 27.66 0.00 0.00 0.00 2.8 0.8

75 to under 90 ................................................... 2.9 0.00 15.54 0.00 0.00 0.00 3.0 0.6

90 or greater ...................................................... 3.8 0.00 0.00 0.00 0.00 21.94 3.9 0.6

Establishment characteristic

Goods-producing industries ................................... 3.1 0.00 0.00 0.00 0.00 40.45 3.1 0.7

Construction ...................................................... 5.6 4.91 6.94 0.00 0.00 50.02 5.6 2.1

Manufacturing .................................................... 3.3 0.00 0.00 9.81 0.00 16.99 3.2 0.6

Service-providing industries .................................. 2.0 0.00 0.00 0.00 0.00 0.00 2.1 0.5

Trade, transportation, and utilities ..................... 2.9 4.91 0.00 0.00 0.00 27.75 2.9 1.0

Wholesale trade ............................................. 5.7 25.49 25.01 0.00 0.00 69.55 5.6 3 ( )

Retail trade .................................................... 4.2 31.02 44.96 0.00 0.00 19.62 4.3 2.0

Transportation and warehousing ................... 7.6 0.00 30.63 0.00 77.98 0.00 7.4 –

Utilities ........................................................... 8.2 10.97 0.00 66.90 9.81 38.00 8.2 0.6

Information ......................................................... 5.8 15.01 5.55 16.99 0.00 0.00 5.8 3 ( )

Financial activities ............................................. 2.8 29.43 0.00 0.00 0.00 54.62 2.8 0.8

Finance and insurance .................................. 3.0 4.91 19.62 0.00 0.00 0.00 3.1 0.7

Credit intermediation and related activities 3.9 0.00 72.09 0.00 0.00 0.00 4.2 1.5

Insurance carriers and related activities .... 4.1 26.87 41.62 0.00 0.00 31.02 4.6 1.8

Real estate and rental and leasing ................ 11.1 0.00 0.00 0.00 0.00 97.62 9.6 3.1

Professional and business services .................. 5.6 0.00 50.18 0.00 0.00 0.00 5.4 0.9

Professional and technical services .............. 7.4 30.63 58.86 0.00 0.00 101.44 7.2 0.8

Administrative and waste services ................ 13.4 0.00 19.02 54.35 0.00 0.00 11.9 –

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, 2008—Continued

Characteristic

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

Establishment characteristic

Education and health services ........................... 4.5 $26.42 $0.00 $13.87 $0.00 $0.00 4.5 0.5

Educational services ...................................... 6.6 33.99 57.21 0.00 0.00 0.00 6.6 2.4

Junior colleges, colleges, and universities 5.1 0.00 0.00 0.00 0.00 0.00 5.1 0.1

Health care and social assistance ................. 5.0 12.98 0.00 44.96 0.00 0.00 5.1 0.4

Leisure and hospitality ....................................... 7.2 29.43 38.31 0.00 0.00 0.00 7.4 1.6

Accommodation and food services ................ – – – – – – 6.0 –

Other services ................................................... 9.2 0.00 24.03 76.62 0.00 0.00 7.2 –

1 to 99 workers ...................................................... 2.7 0.00 67.57 0.00 0.00 0.00 2.6 1.2

1 to 49 workers .................................................. 3.5 0.00 32.54 0.00 0.00 0.00 3.4 1.7

50 to 99 workers ................................................ 4.4 18.35 0.00 0.00 0.00 29.50 4.4 0.5

100 workers or more .............................................. 2.2 0.00 27.06 0.00 0.00 32.54 2.2 0.3

100 to 499 workers ............................................ 3.4 0.00 16.27 0.00 0.00 60.28 3.3 0.6

500 workers or more .......................................... 3.0 0.00 4.16 0.00 0.00 0.00 3.1 0.4

Geographic area

New England ......................................................... 9.6 0.00 0.00 0.00 0.00 139.85 9.6 –

Middle Atlantic ....................................................... 3.7 32.54 2.94 0.00 0.00 0.00 3.6 1.2

East North Central ................................................. 3.8 20.81 25.96 0.00 0.00 3.92 4.0 0.8

West North Central ................................................ 5.0 17.69 0.00 0.00 0.00 0.00 5.1 0.4

South Atlantic ........................................................ 4.9 0.00 0.00 0.00 0.00 81.20 5.0 1.0

East South Central ................................................ 5.3 4.16 27.52 0.00 0.00 0.00 5.8 –

West South Central ............................................... 4.2 33.63 46.14 0.00 0.00 0.00 4.1 0.4

Mountain ................................................................ 6.5 0.00 43.87 0.00 0.00 56.36 7.0 4.7

Pacific .................................................................... 5.1 0.00 35.50 0.00 0.00 72.26 5.1 0.3

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 percentile groupings are based on the average wage for each occupation

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

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 45. Dental care benefits: Amount of annual plan maximum,1 private industry workers, National Compensation Survey,

2008

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

Characteristic 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 10 2

Worker characteristic

Management, professional, and related ................ 100 85 1,000 1,000 1,500 1,500 2,000 11 5

Management, business, and financial ............... 100 85 1,000 1,000 1,500 1,750 2,000 11 4

Professional and related .................................... 100 84 1,000 1,000 1,500 1,500 2,000 10 5

Service ................................................................... 100 89 1,000 1,000 1,500 1,500 2,000 – –

Sales and office ..................................................... 100 89 1,000 1,000 1,300 1,500 2,000 10 1

Sales and related ............................................... 100 90 1,000 1,000 1,000 1,500 1,500 9 1

Office and administrative support ...................... 100 88 1,000 1,000 1,500 1,500 2,000 10 2

Natural resources, construction, and maintenance 100 90 1,000 1,000 1,500 1,700 2,000 10 2 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 92 1,000 1,000 1,500 2,000 2,000 8 2 ( )

Installation, maintenance, and repair ................. 100 89 1,000 1,000 1,500 1,500 2,000 11 2 ( )

Production, transportation, and material moving ... 100 92 1,000 1,000 1,500 2,000 2,500 6 2

Production ......................................................... 100 93 1,000 1,000 1,500 2,000 2,500 5 2

Transportation and material moving .................. 100 91 750 1,000 1,250 1,500 2,500 – –

Full time ................................................................. 100 88 1,000 1,000 1,500 1,500 2,000 9 2

Part time ................................................................ 100 87 1,000 1,000 1,000 1,500 2,000 12 2

Union ..................................................................... 100 87 1,000 1,000 1,500 2,000 2,500 12 2 ( )

Nonunion ............................................................... 100 88 1,000 1,000 1,500 1,500 2,000 9 3

Average wage within the following percentiles:3

Less than 10 ...................................................... 100 89 1,000 1,000 1,000 1,750 2,000 – –

10 to under 25 ................................................... 100 85 1,000 1,000 1,500 1,500 2,000 – –

25 to under 50 ................................................... 100 92 1,000 1,000 1,200 1,500 2,000 7 1

50 to under 75 ................................................... 100 91 1,000 1,000 1,500 1,600 2,000 8 1

75 to under 90 ................................................... 100 87 1,000 1,000 1,500 1,600 2,000 10 3

90 or greater ...................................................... 100 81 1,000 1,000 1,500 1,800 2,000 13 6

Establishment characteristic

Goods-producing industries ................................... 100 92 1,000 1,000 1,500 2,000 2,000 7 1

Construction ...................................................... 100 88 1,000 1,000 1,500 1,800 2,000 – –

Manufacturing .................................................... 100 94 1,000 1,000 1,500 2,000 2,250 – –

Service-providing industries .................................. 100 87 1,000 1,000 1,500 1,500 2,000 10 3

Trade, transportation, and utilities ..................... 100 90 1,000 1,000 1,000 1,500 2,000 9 1

Wholesale trade ............................................. 100 89 1,000 1,000 1,000 1,500 1,500 – –

Retail trade .................................................... 100 88 1,000 1,000 1,000 1,000 1,500 10 2

Transportation and warehousing ................... 100 95 1,000 1,200 1,500 2,000 2,500 – –

Utilities ........................................................... 100 87 750 1,000 1,500 2,000 2,000 – –

Information ......................................................... 100 86 1,000 1,300 1,500 2,000 2,000 – –

Financial activities ............................................. 100 86 1,000 1,000 1,500 2,000 2,000 10 4

Finance and insurance .................................. 100 87 1,000 1,000 1,500 2,000 2,000 10 3

Credit intermediation and related activities 100 86 1,000 1,000 1,500 1,500 2,000 10 4

Insurance carriers and related activities .... 100 87 1,000 1,000 1,500 2,000 2,000 11 2

Real estate and rental and leasing ................ 100 82 1,000 1,000 1,000 1,500 2,000 – –

Professional and business services .................. 100 79 1,000 1,200 1,500 2,000 2,000 15 6

Professional and technical services .............. 100 71 1,000 1,000 1,500 1,500 2,000 18 12

Administrative and waste services ................ 100 85 1,000 1,000 1,500 2,000 2,500 – –

See footnotes at end of table.
Table 45. Dental care benefits: Amount of annual plan maximum,1 private industry workers, National Compensation Survey,

2008—Continued

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

Characteristic 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

Establishment characteristic

Education and health services ........................... 100 91 $1,000 $1,000 $1,000 $1,500 $1,500 8 1

Educational services ...................................... 100 86 1,000 1,000 1,500 1,500 2,000 13 2 ( )

Junior colleges, colleges, and universities 100 85 1,000 1,000 1,500 1,700 3,000 15 2 ( )

Health care and social assistance ................. 100 92 1,000 1,000 1,000 1,500 1,500 7 1

Leisure and hospitality ....................................... 100 87 1,000 1,500 1,500 2,000 2,000 – –

Accommodation and food services ................ 100 88 1,000 1,500 1,500 2,000 2,000 – –

Other services ................................................... 100 93 1,000 1,000 1,000 1,500 2,000 – –

1 to 99 workers ...................................................... 100 90 1,000 1,000 1,200 1,500 2,000 8 2

1 to 49 workers .................................................. 100 91 1,000 1,000 1,200 1,500 2,000 6 3

50 to 99 workers ................................................ 100 89 1,000 1,000 1,200 1,500 2,000 – –

100 workers or more .............................................. 100 87 1,000 1,000 1,500 1,750 2,000 11 2

100 to 499 workers ............................................ 100 87 1,000 1,000 1,500 1,500 2,000 9 4

500 workers or more .......................................... 100 87 1,000 1,000 1,500 1,850 2,000 12 1

Geographic area

New England ......................................................... 100 95 1,000 1,000 1,500 1,500 2,000 – –

Middle Atlantic ....................................................... 100 86 1,000 1,000 1,500 2,000 2,000 12 2

East North Central ................................................. 100 86 1,000 1,000 1,250 1,500 2,000 12 2

West North Central ................................................ 100 94 1,000 1,000 1,000 1,500 2,000 5 1

South Atlantic ........................................................ 100 88 1,000 1,000 1,250 1,500 2,000 6 6

East South Central ................................................ 100 91 1,000 1,000 1,500 1,600 2,000 – –

West South Central ............................................... 100 88 1,000 1,000 1,500 1,500 2,000 9 3

Mountain ................................................................ 100 92 1,000 1,000 1,500 1,500 2,000 – –

Pacific .................................................................... 100 86 1,000 1,000 1,500 2,000 2,500 12 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 percent. 3 The percentile groupings are based on the average wage for each occupation

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

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

Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 45. Standard errors for dental care benefits: Amount of annual plan maximum,1 private industry workers,

National Compensation Survey, 2008

Characteristic 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 ............................................................. 1.0 $0.00 $0.00 $0.00 $33.99 $0.00 0.8 0.8

Worker characteristic

Management, professional, and related ................ 2.2 0.00 0.00 0.00 85.53 0.00 1.3 2.2

Management, business, and financial ............... 2.1 0.00 55.50 0.00 369.44 0.00 1.7 2.1

Professional and related .................................... 3.4 0.00 0.00 19.62 0.00 0.00 1.6 3.5

Service ................................................................... 4.8 0.00 0.00 238.91 452.78 0.00 – –

Sales and office ..................................................... 1.4 0.00 0.00 241.11 0.00 0.00 1.3 0.4

Sales and related ............................................... 1.7 0.00 0.00 0.00 0.00 332.70 1.5 0.7

Office and administrative support ...................... 1.7 0.00 0.00 0.00 79.10 0.00 1.6 0.4

Natural resources, construction, and maintenance 1.1 0.00 0.00 21.94 195.23 0.00 1.1 2 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................. 1.6 0.00 0.00 379.59 292.85 98.11 1.6 2 ( )

Installation, maintenance, and repair ................. 1.6 0.00 27.75 0.00 127.16 0.00 1.6 2 ( )

Production, transportation, and material moving ... 1.4 0.00 0.00 33.99 190.24 353.73 1.2 0.5

Production ......................................................... 1.5 0.00 0.00 0.00 0.00 460.16 1.4 0.4

Transportation and material moving .................. 3.0 196.95 0.00 226.07 182.75 392.43 – –

Full time ................................................................. 1.1 0.00 0.00 0.00 100.05 0.00 0.8 0.9

Part time ................................................................ 3.0 0.00 0.00 345.61 0.00 277.49 2.9 0.9

Union ..................................................................... 1.9 0.00 170.21 0.00 0.00 353.73 1.9 2 ( )

Nonunion ............................................................... 1.2 0.00 0.00 79.70 0.00 0.00 0.8 1.0

Average wage within the following percentiles:3

Less than 10 ...................................................... 3.9 0.00 0.00 147.16 392.55 166.78 – –

10 to under 25 ................................................... 6.2 0.00 0.00 413.80 0.00 39.24 – –

25 to under 50 ................................................... 1.1 0.00 0.00 181.70 0.00 0.00 1.1 0.3

50 to under 75 ................................................... 1.2 0.00 0.00 0.00 314.10 0.00 1.2 0.4

75 to under 90 ................................................... 1.2 0.00 0.00 0.00 125.64 0.00 0.9 1.0

90 or greater ...................................................... 3.3 0.00 0.00 0.00 279.56 147.16 2.0 3.2

Establishment characteristic

Goods-producing industries ................................... 1.2 0.00 0.00 0.00 167.07 376.79 1.2 0.2

Construction ...................................................... 4.5 0.00 0.00 235.25 375.89 0.00 – –

Manufacturing .................................................... 1.6 0.00 0.00 19.62 159.41 492.98 – –

Service-providing industries .................................. 1.3 0.00 0.00 0.00 0.00 0.00 1.0 1.1

Trade, transportation, and utilities ..................... 1.6 0.00 0.00 0.00 0.00 0.00 1.4 0.6

Wholesale trade ............................................. 3.3 162.69 0.00 209.27 0.00 377.04 – –

Retail trade .................................................... 2.3 0.00 0.00 0.00 148.14 0.00 1.9 1.1

Transportation and warehousing ................... 2.7 286.03 198.17 0.00 404.51 0.00 – –

Utilities ........................................................... 5.6 298.38 69.37 9.81 295.14 0.00 – –

Information ......................................................... 4.9 259.38 218.49 0.00 320.47 0.00 – –

Financial activities ............................................. 1.8 0.00 0.00 0.00 546.24 0.00 1.7 0.9

Finance and insurance .................................. 1.8 0.00 196.21 0.00 0.00 0.00 1.6 0.9

Credit intermediation and related activities 2.4 69.37 111.86 0.00 635.81 0.00 2.0 1.8

Insurance carriers and related activities .... 2.7 0.00 142.85 0.00 0.00 154.50 3.2 1.6

Real estate and rental and leasing ................ 5.8 0.00 0.00 191.25 138.74 620.48 – –

Professional and business services .................. 4.5 0.00 389.10 0.00 310.09 240.31 2.7 4.2

Professional and technical services .............. 8.0 0.00 141.49 0.00 438.20 672.59 4.6 8.6

Administrative and waste services ................ 8.5 363.79 661.04 0.00 345.47 546.24 – –

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, 2008—Continued

Characteristic 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

Establishment characteristic

Education and health services ........................... 1.4 $0.00 $0.00 $171.06 $0.00 $496.29 1.5 0.3

Educational services ...................................... 4.0 0.00 0.00 0.00 0.00 758.48 4.0 2 ( )

Junior colleges, colleges, and universities 2.7 0.00 0.00 0.00 80.90 366.56 2.8 2 ( )

Health care and social assistance ................. 1.2 0.00 0.00 73.42 0.00 196.21 1.3 0.4

Leisure and hospitality ....................................... 5.8 0.00 0.00 0.00 161.50 0.00 – –

Accommodation and food services ................ 6.8 416.23 0.00 103.36 208.81 0.00 – –

Other services ................................................... 4.4 0.00 0.00 588.64 460.16 259.57 – –

1 to 99 workers ...................................................... 1.9 0.00 0.00 162.99 0.00 0.00 1.8 0.9

1 to 49 workers .................................................. 1.9 0.00 0.00 251.09 0.00 0.00 1.5 1.3

50 to 99 workers ................................................ 3.4 0.00 0.00 140.47 0.00 345.75 – –

100 workers or more .............................................. 1.5 0.00 0.00 0.00 221.12 0.00 1.1 1.2

100 to 499 workers ............................................ 2.5 0.00 0.00 0.00 272.94 259.57 1.6 2.2

500 workers or more .......................................... 2.3 0.00 105.66 0.00 241.51 0.00 2.5 0.4

Geographic area

New England ......................................................... 2.2 325.38 0.00 70.75 0.00 64.33 – –

Middle Atlantic ....................................................... 2.2 0.00 0.00 97.12 429.66 0.00 1.8 0.8

East North Central ................................................. 2.3 0.00 0.00 227.77 0.00 0.00 2.4 0.5

West North Central ................................................ 1.7 353.73 0.00 306.18 0.00 282.47 1.5 0.5

South Atlantic ........................................................ 4.5 0.00 0.00 324.05 0.00 0.00 1.4 4.6

East South Central ................................................ 3.7 0.00 0.00 48.06 125.64 0.00 – –

West South Central ............................................... 2.2 0.00 0.00 55.50 0.00 0.00 2.6 3.1

Mountain ................................................................ 3.2 0.00 197.44 0.00 240.31 189.98 – –

Pacific .................................................................... 2.0 0.00 200.10 0.00 0.00 169.93 2.1 0.8

1 Includes all covered dental procedures except orthodontia. Coverage for dental

procedures may be subject to scheduled allowance, deductible, or coinsurance

provisions, in addition to annual plan maximum. If separate annual maximums applied

to different dental procedures, the sum of the maximum was tabulated. 2 Less than 0.05. 3 The percentile groupings are based on the average wage for each occupation

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

percentile values are based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2007." 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/glossary20082009.htm.
Table 46. Vision care benefits: Coverage for selected services,

private industry workers, National Compensation Survey, 2008

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

Characteristic Eye exams Glasses Contact

lenses1

All workers ............................................................. 99 100 88

Worker characteristic

Management, professional, and related ................ 99 99 86

Management, business, and financial ............... 99 99 82

Professional and related .................................... 100 99 89

Service ................................................................... 100 100 85

Sales and office ..................................................... 99 100 93

Sales and related ............................................... 100 100 98

Office and administrative support ...................... 99 100 91

Natural resources, construction, and maintenance 99 100 85

Construction, extraction, farming, fishing, and

forestry ............................................................. 100 100 82

Installation, maintenance, and repair ................. 99 99 87

Production, transportation, and material moving ... 99 100 91

Production ......................................................... 99 100 90

Transportation and material moving .................. 99 100 92

Full time ................................................................. 99 100 88

Part time ................................................................ 100 100 93

Union ..................................................................... 100 99 88

Nonunion ............................................................... 99 100 89

Average wage within the following percentiles:2

Less than 10 ...................................................... 100 100 82

10 to under 25 ................................................... 100 100 94

25 to under 50 ................................................... 99 100 88

50 to under 75 ................................................... 99 100 90

75 to under 90 ................................................... 99 99 85

90 or greater ...................................................... 99 99 89

Establishment characteristic

Goods-producing industries ................................... 99 100 89

Construction ...................................................... 100 100 84

Manufacturing .................................................... 99 100 92

Service-providing industries .................................. 99 99 88

Trade, transportation, and utilities ..................... 99 99 90

Wholesale trade ............................................. 100 100 86

Retail trade .................................................... 100 100 94

Transportation and warehousing ................... 100 100 93

Utilities ........................................................... 87 77 71

Information ......................................................... 100 100 97

Financial activities ............................................. 98 100 88

Finance and insurance .................................. 98 100 93

Credit intermediation and related activities 98 100 92

Insurance carriers and related activities .... 100 100 93

Real estate and rental and leasing ................ 100 100 73

Professional and business services .................. 100 100 93

Professional and technical services .............. 100 100 93

Administrative and waste services ................ 100 100 97

Education and health services ........................... 99 99 81

Educational services ...................................... 98 97 74

Junior colleges, colleges, and universities 98 96 77

See footnotes at end of table.
Table 46. Vision care benefits: Coverage for selected services,

private industry workers, National Compensation Survey,

2008—Continued

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

Characteristic Eye exams Glasses Contact

lenses1

Establishment characteristic

Health care and social assistance ................. 99 99 83

Leisure and hospitality ....................................... 100 100 81

Accommodation and food services ................ 100 100 78

Other services ................................................... 100 100 75

1 to 99 workers ...................................................... 100 100 86

1 to 49 workers .................................................. 99 100 86

50 to 99 workers ................................................ 100 100 84

100 workers or more .............................................. 99 99 90

100 to 499 workers ............................................ 99 99 89

500 workers or more .......................................... 99 99 91

Geographic area

New England ......................................................... 99 100 78

Middle Atlantic ....................................................... 99 99 79

East North Central ................................................. 99 100 91

West North Central ................................................ 97 97 85

South Atlantic ........................................................ 99 100 92

East South Central ................................................ 99 100 86

West South Central ............................................... 98 100 84

Mountain ................................................................ 100 100 89

Pacific .................................................................... 100 100 96

1 Includes plans that provide coverage for

elective purchase of contact lenses; medically

necessary contact lenses (cataract surgery)

normally are provided under the surgical portion

of a medical plan and are not described in this

table. 2 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and

below the threshold. The percentile values are

based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2007." See

Technical Note for more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 46. Standard errors for vision care benefits: Coverage for

selected services, private industry workers, National

Compensation Survey, 2008

Characteristic Eye exams Glasses Contact

lenses1

All workers ............................................................. 0.2 0.2 1.6

Worker characteristic

Management, professional, and related ................ 0.3 0.4 2.6

Management, business, and financial ............... 0.6 1.0 4.9

Professional and related .................................... 0.1 0.2 2.4

Service ................................................................... 0.3 0.1 5.9

Sales and office ..................................................... 0.3 0.1 1.6

Sales and related ............................................... 0.2 0.0 1.1

Office and administrative support ...................... 0.4 0.2 2.4

Natural resources, construction, and maintenance 0.3 0.4 6.2

Construction, extraction, farming, fishing, and

forestry ............................................................. 0.0 0.0 7.2

Installation, maintenance, and repair ................. 0.7 0.8 6.1

Production, transportation, and material moving ... 0.3 0.1 2.4

Production ......................................................... 0.4 0.0 3.7

Transportation and material moving .................. 0.3 0.1 3.3

Full time ................................................................. 0.2 0.2 1.8

Part time ................................................................ 0.1 0.0 2.6

Union ..................................................................... 0.1 0.3 1.7

Nonunion ............................................................... 0.2 0.2 2.1

Average wage within the following percentiles:2

Less than 10 ...................................................... 0.0 0.0 8.7

10 to under 25 ................................................... 0.2 0.2 4.6

25 to under 50 ................................................... 0.3 0.1 2.7

50 to under 75 ................................................... 0.2 0.1 1.6

75 to under 90 ................................................... 0.4 0.5 2.7

90 or greater ...................................................... 0.2 0.3 3.6

Establishment characteristic

Goods-producing industries ................................... 0.4 0.0 3.5

Construction ...................................................... 0.0 0.0 8.5

Manufacturing .................................................... 0.5 0.0 3.2

Service-providing industries .................................. 0.2 0.2 1.7

Trade, transportation, and utilities ..................... 0.5 0.9 3.6

Wholesale trade ............................................. 0.0 0.0 9.1

Retail trade .................................................... 0.0 0.0 2.3

Transportation and warehousing ................... 0.0 0.0 8.7

Utilities ........................................................... 7.9 12.9 11.9

Information ......................................................... 0.0 0.0 1.1

Financial activities ............................................. 0.8 0.0 4.7

Finance and insurance .................................. 1.0 0.0 1.6

Credit intermediation and related activities 1.5 0.0 4.2

Insurance carriers and related activities .... 0.2 0.0 3.9

Real estate and rental and leasing ................ 0.0 0.0 17.0

Professional and business services .................. 0.2 0.0 2.9

Professional and technical services .............. 0.4 0.0 4.8

Administrative and waste services ................ 0.0 0.0 2.8

Education and health services ........................... 0.5 0.5 5.7

Educational services ...................................... 0.5 2.7 9.6

Junior colleges, colleges, and universities 0.9 4.3 4.7

Health care and social assistance ................. 0.7 0.3 5.8

Leisure and hospitality ....................................... 0.0 0.0 10.6

See footnotes at end of table.
Table 46. Standard errors for vision care benefits: Coverage for

selected services, private industry workers, National

Compensation Survey, 2008—Continued

Characteristic Eye exams Glasses Contact

lenses1

Establishment characteristic

Accommodation and food services ................ 0.0 0.0 13.8

Other services ................................................... 0.0 0.0 17.4

1 to 99 workers ...................................................... 0.1 0.0 2.7

1 to 49 workers .................................................. 0.2 0.0 3.6

50 to 99 workers ................................................ 0.0 0.0 5.5

100 workers or more .............................................. 0.3 0.3 2.1

100 to 499 workers ............................................ 0.4 0.5 3.6

500 workers or more .......................................... 0.3 0.2 1.7

Geographic area

New England ......................................................... 0.5 0.0 9.0

Middle Atlantic ....................................................... 0.4 0.5 5.9

East North Central ................................................. 0.4 0.2 2.9

West North Central ................................................ 2.0 2.9 6.0

South Atlantic ........................................................ 0.4 0.0 2.4

East South Central ................................................ 0.6 0.0 11.8

West South Central ............................................... 0.9 0.0 7.4

Mountain ................................................................ 0.0 0.4 5.9

Pacific .................................................................... 0.0 0.1 1.6

1 Includes plans that provide coverage for

elected purchase of contact lenses; medically

necessary contact lenses (cataract surger)

normally are provided under the surgical portion

of a medical plan and are not described in this

table. 2 The percentile groupings are based on the

average wage for each occupation surveyed,

which may include workers both above and

below the threshold. The percentile values are

based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2007." See

Technical Note for more details.

NOTE: For definitions of major plans, key

provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 47. Vision care benefits: Extent of coverage for selected services, private industry workers, National

Compensation Survey, 2008

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

Characteristic

Eye exams Glasses

Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

All workers ............................................................. 21 78 – – 9 90 – –

Worker characteristic

Management, professional, and related ................ 20 79 3 ( ) 3 ( ) 7 92 – –

Management, business, and financial ............... 18 81 – – – 93 – 1

Professional and related .................................... 21 78 – – 7 92 – –

Service ................................................................... 17 83 – – – 86 – –

Sales and office ..................................................... 24 75 – – 10 90 – –

Sales and related ............................................... – 88 – – – 91 – –

Office and administrative support ...................... 30 69 – – – 90 – 3 ( )

Natural resources, construction, and maintenance 21 78 – – – 85 – 3 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................. 24 76 – – – 85 – 3 ( )

Installation, maintenance, and repair ................. 19 80 – – – 85 – 3 ( )

Production, transportation, and material moving ... 22 77 – – 8 91 – –

Production ......................................................... 22 78 – – 7 93 – –

Transportation and material moving .................. 23 77 – – – 89 – 3 ( )

Full time ................................................................. 21 78 – – 8 91 – –

Part time ................................................................ 20 80 – – – 77 – –

Union ..................................................................... 27 73 – – 20 79 – –

Nonunion ............................................................... 19 80 – – 6 94 – –

Average wage within the following percentiles:4

Less than 10 ...................................................... – 88 – – – 94 – –

10 to under 25 ................................................... – 89 – 3 ( ) – 94 – –

25 to under 50 ................................................... 22 77 – – 12 88 – –

50 to under 75 ................................................... 26 73 – – 10 90 – –

75 to under 90 ................................................... 19 80 – – 8 91 – –

90 or greater ...................................................... 18 81 – – 9 90 – –

Establishment characteristic

Goods-producing industries ................................... 23 76 – – 9 91 – –

Construction ...................................................... 20 80 – – – 88 – –

Manufacturing .................................................... 24 74 – – 8 92 – –

Service-providing industries .................................. 21 79 – – 9 90 – –

Trade, transportation, and utilities ..................... 15 84 – – – 93 – 1

Wholesale trade ............................................. – 90 – – – 97 – –

Retail trade .................................................... – 90 – – – 97 – –

Transportation and warehousing ................... – 66 – – – 80 – –

Utilities ........................................................... – 65 – 12 – 72 – 12

Information ......................................................... – 75 – – – 91 – –

Financial activities ............................................. 15 83 – – 7 93 – –

Finance and insurance .................................. 14 84 – – 9 91 – –

Credit intermediation and related activities – 85 – – – 94 – –

Insurance carriers and related activities .... – 84 – – – 89 – –

Real estate and rental and leasing ................ – 80 – – – 98 – –

Professional and business services .................. 23 77 – – – 92 – –

Professional and technical services .............. – 80 – 3 ( ) – 97 – –

Administrative and waste services ................ – 87 – – – 87 – –

See footnotes at end of table.
Table 47. Vision care benefits: Extent of coverage for selected services, private industry workers, National

Compensation Survey, 2008—Continued

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

Characteristic

Eye exams Glasses

Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... 31 68 – – – 81 – –

Educational services ...................................... – 90 – – – 90 – –

Junior colleges, colleges, and universities – 83 – – – 84 – –

Health care and social assistance ................. 35 64 – – – 79 – –

Leisure and hospitality ....................................... – 87 – – – 89 – –

Accommodation and food services ................ – 90 – – – 89 – –

Other services ................................................... – 95 – – – 100 – –

1 to 99 workers ...................................................... 20 80 – – – 93 – –

1 to 49 workers .................................................. 17 83 – – – 95 – –

50 to 99 workers ................................................ 25 75 – – – 90 – –

100 workers or more .............................................. 22 77 – – 11 89 – –

100 to 499 workers ............................................ 18 81 – – 11 88 – –

500 workers or more .......................................... 26 73 – – 11 89 – –

Geographic area

New England ......................................................... – 78 – – – 83 – –

Middle Atlantic ....................................................... 30 69 – – 15 84 – –

East North Central ................................................. 19 80 – – 8 92 – –

West North Central ................................................ – 84 – 3 – 88 – 2

South Atlantic ........................................................ – 80 – 3 ( ) – 93 – –

East South Central ................................................ – 78 – 1 – 98 – –

West South Central ............................................... – 81 – 1 – 97 – –

Mountain ................................................................ – 89 – – – 96 – –

Pacific .................................................................... 23 77 – – – 89 – –

See footnotes at end of table.
Table 47. Vision care benefits: Extent of coverage for selected services,

private industry workers, National Compensation Survey,

2008—Continued

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

Characteristic

Contact lenses2

Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

All workers ............................................................. 4 84 9 3

Worker characteristic

Management, professional, and related ................ 4 82 10 3

Management, business, and financial ............... – 75 – 6

Professional and related .................................... 3 86 9 2

Service ................................................................... – 82 – 1

Sales and office ..................................................... – 90 6 –

Sales and related ............................................... – 95 – 2

Office and administrative support ...................... – 88 8 –

Natural resources, construction, and maintenance – 78 – 6

Construction, extraction, farming, fishing, and

forestry ............................................................. – 77 – 7

Installation, maintenance, and repair ................. – 78 – 6

Production, transportation, and material moving ... – 87 – 3

Production ......................................................... – 88 – 3

Transportation and material moving .................. – 86 – 2

Full time ................................................................. 3 85 9 3

Part time ................................................................ – 80 – 1

Union ..................................................................... – 82 11 –

Nonunion ............................................................... 3 85 8 3

Average wage within the following percentiles:4

Less than 10 ...................................................... – 77 – 3 ( )

10 to under 25 ................................................... – 92 – 3 ( )

25 to under 50 ................................................... – 85 10 –

50 to under 75 ................................................... 3 87 7 3

75 to under 90 ................................................... – 82 10 –

90 or greater ...................................................... – 82 9 –

Establishment characteristic

Goods-producing industries ................................... – 85 – 4

Construction ...................................................... – 78 – 5

Manufacturing .................................................... – 88 – 2

Service-providing industries .................................. 4 84 9 3

Trade, transportation, and utilities ..................... – 85 – 5

Wholesale trade ............................................. – 81 – 10

Retail trade .................................................... – 91 – 1

Transportation and warehousing ................... – 87 – –

Utilities ........................................................... – 71 – 12

Information ......................................................... – 91 – 1

Financial activities ............................................. – 87 – 6

Finance and insurance .................................. – 93 – 2

Credit intermediation and related activities – 92 – 1

Insurance carriers and related activities .... – 93 – 5

Real estate and rental and leasing ................ – 71 – 18

Professional and business services .................. – 89 – 1

Professional and technical services .............. – 93 – –

Administrative and waste services ................ – 90 – –

See footnotes at end of table.
Table 47. Vision care benefits: Extent of coverage for selected services,

private industry workers, National Compensation Survey,

2008—Continued

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

Characteristic

Contact lenses2

Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... – 77 – 2

Educational services ...................................... – 70 – 1

Junior colleges, colleges, and universities – 70 21 –

Health care and social assistance ................. – 78 – 2

Leisure and hospitality ....................................... – 78 – 1

Accommodation and food services ................ – 78 – 1

Other services ................................................... – 75 – –

1 to 99 workers ...................................................... – 83 12 –

1 to 49 workers .................................................. – 83 – 3

50 to 99 workers ................................................ – 82 – 1

100 workers or more .............................................. 5 85 7 3

100 to 499 workers ............................................ – 85 7 –

500 workers or more .......................................... 5 86 7 2

Geographic area

New England ......................................................... – 77 – 3

Middle Atlantic ....................................................... – 76 16 –

East North Central ................................................. – 87 – 2

West North Central ................................................ – 72 – 2

South Atlantic ........................................................ – 89 – 2

East South Central ................................................ – 84 – 1

West South Central ............................................... – 83 – 1

Mountain ................................................................ – 87 – 7

Pacific .................................................................... – 90 – 2

1 Includes plans subject to copayment, cash

allowance, and retail discount. 2 Includes plans that provide coverage for

elective purchase of contact lenses; medically

necessary contact lenses (cataract surgery) normally

are provided under the surgical portion of a medical

plan and are not described in this table. 3 Less than 0.5 percent. 4 The percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2007." 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/glossary20082009.htm.
Table 47. Standard errors for vision care benefits: Extent of coverage for selected services, private industry

workers, National Compensation Survey, 2008

Characteristic

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 – – 1.3 1.4 – –

Worker characteristic

Management, professional, and related ................ 3.3 3.3 3 ( ) 3 ( ) 1.3 1.4 – –

Management, business, and financial ............... 3.6 3.7 – – – 2.5 – 0.6

Professional and related .................................... 3.7 3.7 – – 1.4 1.5 – –

Service ................................................................... 4.6 4.6 – – – 5.7 – –

Sales and office ..................................................... 4.6 4.6 – – 2.7 2.7 – –

Sales and related ............................................... – 5.3 – – – 5.3 – –

Office and administrative support ...................... 6.0 6.0 – – – 3.1 – 3 ( )

Natural resources, construction, and maintenance 3.9 3.9 – – – 4.4 – 3 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................. 5.3 5.3 – – – 4.8 – 3 ( )

Installation, maintenance, and repair ................. 4.8 4.8 – – – 6.9 – 3 ( )

Production, transportation, and material moving ... 4.6 4.7 – – 2.3 2.3 – –

Production ......................................................... 5.8 5.9 – – 2.0 2.0 – –

Transportation and material moving .................. 6.1 6.1 – – – 4.5 – 3 ( )

Full time ................................................................. 2.4 2.4 – – 1.2 1.2 – –

Part time ................................................................ 3.2 3.2 – – – 10.8 – –

Union ..................................................................... 4.3 4.3 – – 4.4 4.4 – –

Nonunion ............................................................... 2.1 2.2 – – 1.1 1.2 – –

Average wage within the following percentiles:4

Less than 10 ...................................................... – 6.5 – – – 4.3 – –

10 to under 25 ................................................... – 3.8 – 3 ( ) – 2.3 – –

25 to under 50 ................................................... 3.2 3.3 – – 2.9 2.9 – –

50 to under 75 ................................................... 4.4 4.4 – – 2.2 2.2 – –

75 to under 90 ................................................... 2.5 2.6 – – 1.4 1.6 – –

90 or greater ...................................................... 3.3 3.3 – – 2.6 2.6 – –

Establishment characteristic

Goods-producing industries ................................... 3.6 3.6 – – 2.2 2.2 – –

Construction ...................................................... 5.4 5.4 – – – 5.2 – –

Manufacturing .................................................... 4.9 4.9 – – 1.9 1.9 – –

Service-providing industries .................................. 2.5 2.5 – – 1.7 1.7 – –

Trade, transportation, and utilities ..................... 3.4 3.5 – – – 2.5 – 0.5

Wholesale trade ............................................. – 3.3 – – – 1.7 – –

Retail trade .................................................... – 3.1 – – – 1.5 – –

Transportation and warehousing ................... – 12.9 – – – 11.2 – –

Utilities ........................................................... – 10.9 – 8.1 – 13.3 – 8.1

Information ......................................................... – 8.2 – – – 3.6 – –

Financial activities ............................................. 4.1 4.2 – – 2.0 2.0 – –

Finance and insurance .................................. 3.2 3.4 – – 2.4 2.4 – –

Credit intermediation and related activities – 4.8 – – – 2.8 – –

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

Real estate and rental and leasing ................ – 13.8 – – – 2.0 – –

Professional and business services .................. 6.7 6.7 – – – 3.2 – –

Professional and technical services .............. – 8.3 – 3 ( ) – 2.2 – –

Administrative and waste services ................ – 5.6 – – – 6.9 – –

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, 2008—Continued

Characteristic

Eye exams Glasses

Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... 5.3 5.3 – – – 5.7 – –

Educational services ...................................... – 3.3 – – – 4.4 – –

Junior colleges, colleges, and universities – 4.8 – – – 6.3 – –

Health care and social assistance ................. 5.9 5.9 – – – 6.5 – –

Leisure and hospitality ....................................... – 5.4 – – – 6.2 – –

Accommodation and food services ................ – 4.9 – – – 8.2 – –

Other services ................................................... – 4.8 – – – 0.0 – –

1 to 99 workers ...................................................... 2.8 2.8 – – – 2.1 – –

1 to 49 workers .................................................. 3.6 3.6 – – – 2.1 – –

50 to 99 workers ................................................ 5.3 5.4 – – – 4.6 – –

100 workers or more .............................................. 2.7 2.8 – – 1.5 1.6 – –

100 to 499 workers ............................................ 3.2 3.3 – – 2.5 2.4 – –

500 workers or more .......................................... 4.2 4.2 – – 2.0 2.0 – –

Geographic area

New England ......................................................... – 14.3 – – – 14.3 – –

Middle Atlantic ....................................................... 5.5 5.3 – – 3.7 3.7 – –

East North Central ................................................. 5.5 5.7 – – 2.1 2.1 – –

West North Central ................................................ – 8.4 – 2.0 – 9.1 – 1.8

South Atlantic ........................................................ – 5.9 – 3 ( ) – 2.6 – –

East South Central ................................................ – 8.2 – 0.6 – 1.1 – –

West South Central ............................................... – 6.6 – 0.9 – 2.5 – –

Mountain ................................................................ – 4.2 – – – 2.0 – –

Pacific .................................................................... 5.6 5.6 – – – 3.7 – –

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, 2008—Continued

Characteristic

Contact lenses2

Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

All workers ............................................................. 0.8 1.8 1.2 1.0

Worker characteristic

Management, professional, and related ................ 1.2 2.8 2.4 1.3

Management, business, and financial ............... – 5.1 – 2.7

Professional and related .................................... 0.8 2.5 2.4 0.6

Service ................................................................... – 5.9 – 0.6

Sales and office ..................................................... – 1.8 1.6 –

Sales and related ............................................... – 1.3 – 1.1

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

Natural resources, construction, and maintenance – 6.7 – 2.2

Construction, extraction, farming, fishing, and

forestry ............................................................. – 7.6 – 3.3

Installation, maintenance, and repair ................. – 8.2 – 3.5

Production, transportation, and material moving ... – 3.0 – 1.6

Production ......................................................... – 3.9 – 2.1

Transportation and material moving .................. – 4.6 – 1.8

Full time ................................................................. 0.8 1.9 1.3 1.1

Part time ................................................................ – 9.1 – 0.8

Union ..................................................................... – 2.8 1.6 –

Nonunion ............................................................... 0.9 2.3 1.6 1.4

Average wage within the following percentiles:4

Less than 10 ...................................................... – 8.9 – 3 ( )

10 to under 25 ................................................... – 4.8 – 3 ( )

25 to under 50 ................................................... – 2.9 2.6 –

50 to under 75 ................................................... 1.0 1.9 1.6 1.5

75 to under 90 ................................................... – 2.8 2.1 –

90 or greater ...................................................... – 4.1 2.8 –

Establishment characteristic

Goods-producing industries ................................... – 3.8 – 1.9

Construction ...................................................... – 8.9 – 2.9

Manufacturing .................................................... – 3.8 – 2.4

Service-providing industries .................................. 1.0 1.9 1.5 1.2

Trade, transportation, and utilities ..................... – 3.9 – 3.8

Wholesale trade ............................................. – 8.9 – 10.3

Retail trade .................................................... – 2.6 – 0.9

Transportation and warehousing ................... – 9.5 – –

Utilities ........................................................... – 11.9 – 8.1

Information ......................................................... – 3.2 – 0.7

Financial activities ............................................. – 4.7 – 4.4

Finance and insurance .................................. – 1.6 – 1.6

Credit intermediation and related activities – 4.2 – 1.2

Insurance carriers and related activities .... – 3.9 – 3.8

Real estate and rental and leasing ................ – 17.0 – 16.6

Professional and business services .................. – 3.9 – 0.6

Professional and technical services .............. – 4.8 – –

Administrative and waste services ................ – 6.0 – –

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, 2008—Continued

Characteristic

Contact lenses2

Full

coverage

Coverage

with

limits1

No

coverage

Not

determinable

Establishment characteristic

Education and health services ........................... – 5.7 – 0.7

Educational services ...................................... – 9.7 – 0.6

Junior colleges, colleges, and universities – 6.3 4.7 –

Health care and social assistance ................. – 5.9 – 0.8

Leisure and hospitality ....................................... – 10.5 – 0.7

Accommodation and food services ................ – 13.8 – 1.0

Other services ................................................... – 17.4 – –

1 to 99 workers ...................................................... – 3.0 2.6 –

1 to 49 workers .................................................. – 3.7 – 1.8

50 to 99 workers ................................................ – 5.5 – 1.1

100 workers or more .............................................. 1.1 2.3 1.3 1.3

100 to 499 workers ............................................ – 3.7 1.8 –

500 workers or more .......................................... 1.5 2.2 1.7 0.6

Geographic area

New England ......................................................... – 8.6 – 2.7

Middle Atlantic ....................................................... – 6.1 2.4 –

East North Central ................................................. – 4.0 – 1.5

West North Central ................................................ – 8.2 – 1.9

South Atlantic ........................................................ – 2.4 – 1.2

East South Central ................................................ – 11.6 – 1.3

West South Central ............................................... – 7.0 – 0.4

Mountain ................................................................ – 4.8 – 5.6

Pacific .................................................................... – 3.3 – 1.5

1 Includes plans subject to copayment, cash

allowance, and retail discount. 2 Includes plans that provide coverage for elected

purchase of contact lenses; medically necessary

contact lenses (cataract surger) 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 percentile groupings are based on the

average wage for each occupation surveyed, which

may include workers both above and below the

threshold. The percentile values are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2007." See Technical Note for more details.
Employee Benefits Survey 

Technical Note 

Data in this bulletin are from the National Compensation Survey (NCS), conducted by the U.S. 

Department of Labor, Bureau of Labor Statistics (BLS). The bulletin contains 2008 data on 

detailed employer-provided health benefit plan provisions 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 the self-employed. Previous publications containing information on 

employee benefits for private industry and State and local government workers are available on 

the BLS website http://www.bls.gov/ncs/ebs. 

Calculation details 

For data presented by wage levels, average hourly earnings for occupations within an 

establishment were used to produce estimates for worker groups within six earnings percentiles: 

Below the 10th percentile, 10th to under the 25th percentile, 25th to under the 50th percentile, 

50th to under the 75th percentile, 75th to under the 90th percentile, and the 90th percentile and 

greater. Individual workers can fall into an earnings category different from the average for the 

occupation into which they are classified. The percentile breakouts are based on the average 

wage for each occupation surveyed, which may include workers both above and below the 

threshold. The percentile values are based on wages published in “National Compensation 

Survey: Occupational Earnings in the United States, 2007,” U.S. Department of Labor, June 

2008, bulletin 2704. Values corresponding to the percentiles used in the tables are: 

Characteristic 

Hourly wage percentile 

10 25 50 

(median)

75 90 

Private industry workers $7.85 $10.13 $15.00 $23.25 $34.79
Not determinable estimates 

Some tables in this bulletin contain columns with estimates classified as "not determinable." 

Situations that result in this classification can vary. In detailed provisions of employer-provided 

health care plans, the "not determinable" classification is used whenever partial information on a 

particular plan feature is available from the Summary Plan Description (SPD), used as a primary 

source of information on the provisions of a health benefit plan. For example, in table 1, workers 

are classified as participating in four types of fee-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 into 

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. An example of this situation can be 

found in table 4. All workers in this table 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 into the "not determinable" category. 

Interpreting the tables 

Most of the tables in this bulletin exhibit the percentage of all employees participating in a 

particular benefit plan or the percentage covered by a specific provision. The base of each table 

is indicated by the statement under the title that indicates what subset of workers equals 100 

percent. For example, table 1 indicates that all workers participating in medical care plans equal 

100 percent. Fee-for service plans account for 78 percent of participants and health maintenance 

organizations, 22 percent of participants. 
Other tables provide data on average values. For example, table 35 indicates the median number 

of days or visits covered per year for mental health care benefits. In the tables, the average value 

is based only on those who were affected by the provision; employees without such coverage 

were not included in the calculation of an average value. In table 35, only workers participating 

in plans with specified day limits were included. 

Finally, some tables contain data on percentages of workers and average values. For example, 

table 3 indicates both the type and dollar amount of annual individual deductible in fee-forservice 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 (e.g., fixed 

deductible, variable deductible, etc.). To indicate values rather than percentages, the columns 

with median deductible amounts are shaded. 

Survey response 

The 2008 survey included a sample of approximately 3,900 establishments. Classifications in 

Appendix table 1 are defined as follows:

Responding. The establishment provided information on at least one usable occupation. An 

occupation is classified as usable if the following data are present: occupational characteristics 

(full- or part-time schedule, union or nonunion status, and time or incentive pay type); work 

schedule; and wage data. 

Refused or unable to provide data. The establishment did not provide earnings, occupational 

classification, worker characteristics, and work schedule data for any occupation. 

Out of business or not in survey scope. An out of business establishment is no longer in 

operation. Establishments not in the survey scope include farm and private households, the selfemployed, the Federal government, and locations of an establishment out of the sampled area. 
Also excluded are establishments with no workers within the survey scope (if all employees are 

also owners, for example). 

Obtaining information 

Information on the survey scope, sample design, data collection, survey estimation, and 

reliability of estimates, technical references, and survey definitions are available in Chapter 8 of 

the BLS Handbook of Methods, available online at: http://www.bls.gov/opub/hom/home.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, available online 

at: http://www.bls.gov/ncs/ebs/glossary20082009. 

For research articles on employee benefits, see the Monthly Labor Review or Compensation and 

Working Conditions Online, at the BLS Web sites http://www.bls.gov/opub/mlr/home.htm and 

http://www.bls.gov/opub/cwc/home.htm. For information on the North American Industry 

Classification System (NAICS) and the Standard Occupational Classification (SOC) system, 

including background information, see the BLS Web sites http://www.bls.gov/bls/naics.htm and 

http://www.bls.gov/soc/home.htm, respectively. 

Appendix table 1. Survey establishment response 

Appendix table 2. Numbers of workers represented 
Appendix table 1. Survey establishment response, private

industry, National Compensation Survey, 2008

Establishments Number of

establishments

Total in sampling frame1 ........................................................ 5,346,939

 Total in sample .................................................................... 3,866

 Responding ........................................................................ 2,550

 Refused or unable to provide data ..................................... 986

 Out of business or not in survey scope .............................. 330

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, 2008

Occupational group2 Estimated number

of workers

All workers ............................................................................. 108,094,300

Management, professional, and related ............................ 26,856,600

Management, business, and financial ........................... 9,169,300

Professional and related ................................................ 17,687,300

Service ............................................................................... 21,623,300

Sales and office ................................................................. 30,378,900

Sales and related ........................................................... 12,195,700

Office and administrative support .................................. 18,183,200

Natural resources, construction, and maintenance ........... 10,267,000

Construction, extraction, farming, fishing, and forestry .. 5,413,600

Installation, maintenance, and repair ............................. 4,853,400

Production, transportation, and material moving ............... 18,968,500

Production ...................................................................... 10,134,100

Transportation and material moving .............................. 8,834,400

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.