Economic News Release

Employee Benefits in the United States News Release


For release 10:00 A.M. (EDT) WEDNESDAY, JULY 17, 2013                                                   USDL-13-1344

Technical information:
     (202) 691-6199  NCSinfo@bls.gov    http://www.bls.gov/ebs
Media contact:
     (202) 691-5902  PressOffice@bls.gov


                          EMPLOYEE BENEFITS IN THE UNITED STATES - MARCH 2013


Employer-provided medical care was available to 85 percent of full-time private industry workers in the 
United States in March 2013, the U.S. Bureau of Labor Statistics reported today. By contrast, only 24 
percent of part-time workers had medical care benefits available. Access, or availability, also varied by 
employment size: 57 percent for all workers in small establishments (those with fewer than 100 
employees), compared with 85 percent in medium and large establishments (those with 100 employees or 
more). 

Retirement benefits followed a similar pattern as medical care benefits. In private industry, 74 percent of 
full-time workers had access to a retirement plan, significantly higher than 37 percent of part-time 
workers. Retirement benefits were available to 49 percent of workers in small establishments and 82 
percent of workers in medium and large establishments. A worker with access to a medical or retirement 
plan is defined as having an employer-provided plan available for use, regardless of the workers’ 
decision to enroll or participate in the plan.  (See charts 1 and 2.)

Paid sick leave benefits were also more commonly offered to full-time workers and those in medium and 
large establishments in private industry. Plans were offered to 74 percent of full-time workers and 24 
percent of part-time workers. Similarly, 51 percent of workers in small establishments and 72 percent in 
medium and large establishments had access to a paid sick leave benefit. (See charts 1 and 2 and table 
6.)

These data are from the National Compensation Survey (NCS), which provides comprehensive measures 
of compensation cost trends and incidence and provisions of employee benefit plans.
Additional findings include:

   *   In private industry, 64 percent of employees had access to retirement benefits, significantly less 
       than the 89 percent of state and local government employees with access. Additionally, only 49 
       percent of private industry employees actually participated in a retirement plan (had current 
       coverage), significantly less than the 85 percent participation rate of state and local government 
       employees.  (See table 1.)
 
   *   Full-time workers in state and local government had greater access to employer-provided benefits 
       than private industry workers. For example, retirement and medical care benefits were offered to 
       99 percent of state and local government workers while only 74 percent of full-time employees in 
       private industry had access to retirement benefits and 85 percent to medical care coverage. (See 
       tables 1 and 2.)

   *   For private industry employees in the lowest 10 percent of average earnings, employers paid 71 
       percent of the single coverage medical plan premium. For employees in the highest 10 percent of 
       average earnings, the employer share of the premium was 81 percent. For family coverage, the 
       employer share of the premium was 56 percent for employees in the lowest 10 percent of 
       earnings, significantly less than the 73 percent for employees in the highest 10 percent of 
       earnings.  (See tables 3 and 4).

   *   Access and participation in life insurance benefits varied significantly for full-time and part-time 
       workers. In private industry, 72 percent of full-time workers had access to life insurance benefits. 
       For state and local government workers, 90 percent of full-time workers had access. In contrast, 
       only 14 percent of part-time workers in private industry and 23 percent of state and local 
       government workers had access.  Most workers who had access participated in life insurance 
       benefits. (See table 5.) 

   *   Paid holidays were available to 97 percent of management, business, and financial employees in 
       private industry.  In contrast, only 53 percent of service employees in private industry were 
       provided paid holidays.  (See table 6.)


More information can be obtained by calling (202) 691-6199, sending e-mail to NCSinfo@bls.gov, or by 
visiting the BLS Internet site, http://www.bls.gov/ebs/home.htm. 


                                                NOTE

More information will be published in early fall, including March 2013 data for civilian, private industry, 
and state and local government workers on the incidence and provisions of health care benefits, 
retirement benefits, life insurance, short-term and long-term disability benefits, paid holidays and 
vacations, and other selected benefits. For the latest benefit publications, see: http://www.bls.gov/ebs.
In addition, new editions of Beyond the Numbers: Pay and Benefits (http://www.bls.gov/opub/btn/) will 
be published featuring the latest benefits data. Beyond the Numbers: Pay and Benefits, brings together 
employee benefits information from various National Compensation Survey publications into one 
convenient and easy-to-read format. 



                                             TECHNICAL NOTE


Data in this release are from the National Compensation Survey (NCS), conducted by the U.S. 
Department of Labor, Bureau of Labor Statistics (BLS). This release contains March 2013 data on 
civilian, private industry, and state and local government workers in the United States. Under the NCS 
program, information on the incidence and provision of benefits is published in several stages. This news 
release provides data on the incidence of (access to and participation in) selected benefits and the share 
of premiums paid by employers and employees for medical care. An extensive number of tables on the 
incidence of selected benefits will be available in the annual bulletin to be published in early fall, 2013. 
Previous publications containing information on employee benefits for private industry and state and 
local government workers are available on the BLS website at http://www.bls.gov/ebs.

Calculation details

For data presented by wage category, average hourly earnings from sampled occupations within an 
establishment were used to produce estimates for worker groups within six earnings categories: the 
lowest 10 percent, the lowest 25 percent, the second 25 percent, the third 25 percent, the highest 25 
percent, and the highest 10 percent. The categories are based on unpublished March 2013 wages and 
salaries from the Employer Costs for Employee Compensation. 

The percentiles were computed using earnings reported for individual workers in sampled establishment 
jobs and their scheduled hours of work.  Establishments in the survey may report only individual worker 
earnings for each sampled job.  For the calculation of the hourly percentile values, the individual worker 
hourly earnings are appropriately weighted and arrayed from lowest to highest.  The values 
corresponding to the percentiles are:


________________________________________________________________________________________________
    Characteristics                                    Hourly wage percentiles
                                          10         25       50 (median)       75        90
Civilian workers                        $8.75      $11.53       $17.46        $27.60    $41.80
Private industry workers                $8.50      $11.00       $16.59        $26.18    $40.44
State and local government             $12.00      $15.80       $23.01        $34.19    $47.72
________________________________________________________________________________________________


The lowest 10 percent and 25 percent wage categories include those occupations with an average hourly 
wage less than the 10th percentile value and 25th percentile value, respectively.  The second 25 percent 
category includes those occupations that make at or above the 25th percentile value but less than the 
50th percentile value.  The third 25 percent category includes those occupations that make at or above 
the 50th percentile value but less than the 75th percentile value.  Finally, the highest 25 and 10 percent 
wage categories include those occupations with an average wage value greater than or equal to the 75th 
and 90th percentile value, respectively. 

(Note: Individual workers can fall into an earnings category different from the average for the 
occupation into which they are classified because average hourly earnings for the occupation are used to 
produce the benefit estimates.) 

The tables on employer and employee medical premiums (tables 3 and 4) include participants in all 
medical plans, with calculations for both single and family coverage. The calculations are not based on 
actual decisions regarding medical coverage made by employees within the occupations. Rather, the 
premium calculations are based on the assumption that all employees in the occupation have identical 
coverage.

Medical care

Medical care plans provide services or payments for services rendered in the hospital or by a qualified 
medical care provider.

Take-up rates

Take-up rates are the percentage of workers with access to a plan who participate in the plan. They are 
computed by using the number of workers participating in a plan divided by the number of workers with 
access to the plan, multiplied by 100, and rounded to the nearest one percent. Since the computation of 
take-up rates is based on the number of workers collected rather than rounded percentage estimates, the 
take-up rates in the tables may not equal the ratio of participation to access estimates.

Leave benefits for teachers

Primary, secondary, and special education teachers typically have a work schedule of 37 or 38 weeks per 
year. Because of this work schedule, they are generally not offered vacation or holidays. In many cases, 
the time off during winter and spring breaks during the school year is not considered vacation days for 
the purposes of this survey.

Survey response

The March 2013 benefits survey included a sample of 11,893 establishments.  The definitions in 
Appendix table 1 are 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: earnings, occupational characteristics (full- vs. 
part-time schedule, union vs. nonunion status, and time vs. incentive pay type), and work schedule.

Refused or unable to provide data.  The establishment did not provide earnings, occupational 
characteristics, and work schedule data for any occupation.

Out of business or not in survey scope.  The establishment is no longer in operation. Establishments not in 
the survey scope include farm and private households, the self-employed, the Federal government, and 
locations of an establishment that are not in the sampled area. Also excluded are establishments with no 
workers within the survey scope. For example, an establishment where all the workers are also owners 
would be excluded.

Survey scope

The March 2013 NCS benefits survey represented nearly 125 million civilian workers; of this number, 
about 106 million were private industry workers and 19 million, state and local government workers (see 
Appendix table 2).  

Obtaining information

For research articles on employee benefits, see the Monthly Labor Review at the BLS Web sites 
http://www.bls.gov/opub/mlr/home.htm and http://www.bls.gov/opub/cwc/home.htm. For further 
technical information, see Chapter 8, "National Compensation Measures," of the BLS Handbook of 
Methods at: http://www.bls.gov/opub/hom/pdf/homch8.pdf and 
http://www.bls.gov/opub/hom/homch8_a.htm.



 Table 1. Retirement benefits:(1) Access, participation, and take-up rates,(2) National Compensation Survey, March
 2013

 (All workers = 100 percent)
                                                                                                                    
                                                                                                                    
                                    Civilian(3)                 Private industry         State and local government 
                                                                                                                    
      Characteristics                                                                                               
                             Access  Particip-  Take-up    Access  Particip-  Take-up    Access  Particip-  Take-up 
                                       ation      rate               ation      rate               ation      rate  
                                                                                                                    

                                                                                                                    
 All workers..............     68        54        80        64        49        76        89        85        95   
                                                                                                                    
  Worker characteristics                                                                                            
                                                                                                                    
 Management, professional,                                                                                          
 and related..............     83        73        88        79        68        85        91        87        95   
   Management, business,                                                                                            
   and financial..........     85        76        89        84        74        88        –         –         –    
   Professional and                                                                                                 
   related................     82        72        88        77        64        83        91        87        95   
     Teachers.............     86        81        94        –         –         –         91        86        95   
       Primary, secondary,                                                                                          
       and special                                                                                                  
       education school                                                                                             
       teachers...........     95        91        96        –         –         –         99        95        97   
     Registered nurses....     78        66        84        –         –         –         –         –         –    
 Service..................     45        30        67        38        21        56        83        79        95   
   Protective service.....     79        63        80        62        29        46        90        87        96   
 Sales and office.........     70        54        77        69        51        74        89        85        96   
   Sales and related......     67        43        64        67        43        64        –         –         –    
   Office and                                                                                                       
   administrative support      73        60        83        70        57        81        90        86        96   
 Natural resources,                                                                                                 
 construction, and                                                                                                  
 maintenance..............     69        56        82        66        53        79        95        92        96   
   Construction,                                                                                                    
   extraction, farming,                                                                                             
   fishing, and forestry..     65        53        81        61        47        77        –         –         –    
   Installation,                                                                                                    
   maintenance, and repair     73        60        82        71        57        81        –         –         –    
 Production,                                                                                                        
 transportation, and                                                                                                
 material moving..........     69        52        76        68        51        75        86        82        95   
   Production.............     73        57        78        72        56        78        –         –         –    
   Transportation and                                                                                               
   material moving........     65        48        74        64        46        72        –         –         –    
                                                                                                                    
 Full time................     78        65        83        74        59        80        99        94        95   
 Part time................     37        21        57        37        20        53        39        35        91   
                                                                                                                    
 Union....................     95        89        93        94        86        92        97        93        95   
 Nonunion.................     63        48        76        61        45        73        83        78        95   
                                                                                                                    
 Average wage within the                                                                                            
 following categories:(4)                                                                                           
   Lowest 25 percent......     40        22        54        38        18        48        73        69        95   
     Lowest 10 percent....     28        11        38        28        10        35        58        55        94   
   Second 25 percent......     70        54        77        65        47        72        93        88        95   
   Third 25 percent.......     80        68        85        75        62        82        95        90        95   
   Highest 25 perecent....     89        80        90        85        75        89        98        93        95   
     Highest 10 percent...     90        82        91        87        78        90        98        92        94   
                                                                                                                    
       Establishment                                                                                                
     characteristics                                                                                                
                                                                                                                    
 Goods-producing                                                                                                    
 industries...............     75        61        81        75        61        81        –         –         –    
                                                                                                                    
 Service-providing                                                                                                  
 industries...............     67        53        79        62        46        74        89        85        95   
   Education and health                                                                                             
   services...............     76        65        86        67        52        78        90        85        94   
     Educational services      86        80        93        71        60        84        90        86        95   
       Elementary and                                                                                               
       secondary schools..     90        86        95        –         –         –         92        88        96   
       Junior colleges,                                                                                             
       colleges, and                                                                                                
       universities.......     87        78        89        89        76        85        86        79        91   
     Healthcare and social                                                                                          
     assistance...........     68        54        79        66        51        77        89        82        92   
       Hospitals..........     90        77        86        –         –         –         95        85        89   
   Public administration..     91        87        96        –         –         –         91        87        96   
                                                                                                                    
 1 to 99 workers..........     50        36        72        49        35        71        77        74        96   
   1 to 49 workers........     45        33        73        45        32        72        69        66        95   
   50 to 99 workers.......     65        46        71        63        43        68        89        86        97   
 100 workers or more......     85        71        84        82        65        79        91        86        95   
   100 to 499 workers.....     80        61        76        79        58        73        87        84        96   
   500 workers or more....     89        80        90        87        76        87        92        87        95   
                                                                                                                    
     Geographic areas                                                                                               
                                                                                                                    
 New England..............     68        55        81        65        50        77        86        82        96   
 Middle Atlantic..........     67        55        83        63        51        81        91        84        92   
 East North Central.......     70        56        81        68        53        78        84        82        97   
 West North Central.......     73        58        79        70        53        76        91        83        92   
 South Atlantic...........     67        52        77        63        46        73        90        84        93   
 East South Central.......     72        57        80        66        48        73        92        89        97   
 West South Central.......     68        52        77        65        46        71        89        86        97   
 Mountain.................     66        51        77        63        45        72        88        86        97   
 Pacific..................     65        53        82        60        46        77        91        88        98   

   1 Includes defined benefit pension plans and defined contribution retirement plans. Workers are considered as
 having access or as participating if they have access to or are participating in at least one of these plan types.
   2 The take-up rate is an estimate of the percentage of workers with access to a plan who participate in the plan,
 rounded for presentation. See Technical Note for more details.
   3 Includes workers in the private nonfarm economy except those in private households, and workers in the public
 sector, except the federal government. See Technical Note for further explanation.
   4 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which
 may include workers with earnings both above and below the threshold.  The categories were formed using percentile
 estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee
 Compensation - March 2013."
 
 NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of
 major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
 www.bls.gov/ncs/ebs/glossary20122013.htm.



 Table 2. Medical care benefits: Access, participation, and take-up rates,(1) National Compensation Survey, March
 2013

 (All workers = 100 percent)
                                                                                                                    
                                                                                                                    
                                    Civilian(2)                 Private industry         State and local government 
                                                                                                                    
      Characteristics                                                                                               
                             Access  Particip-  Take-up    Access  Particip-  Take-up    Access  Particip-  Take-up 
                                       ation      rate               ation      rate               ation      rate  
                                                                                                                    

                                                                                                                    
 All workers..............     72        54        75        70        51        73        87        73        84   
                                                                                                                    
  Worker characteristics                                                                                            
                                                                                                                    
 Management, professional,                                                                                          
 and related..............     88        69        79        87        67        77        89        74        83   
   Management, business,                                                                                            
   and financial..........     94        73        78        94        73        77        –         –         –    
   Professional and                                                                                                 
   related................     85        68        79        84        65        77        89        74        83   
     Teachers.............     86        70        81        –         –         –         88        73        82   
       Primary, secondary,                                                                                          
       and special                                                                                                  
       education school                                                                                             
       teachers...........     97        79        82        –         –         –         98        80        82   
     Registered nurses....     81        60        74        –         –         –         –         –         –    
 Service..................     46        31        67        40        25        61        81        69        85   
   Protective service.....     70        58        83        45        32        71        88        77        87   
 Sales and office.........     73        53        74        71        52        72        87        73        84   
   Sales and related......     62        43        69        62        43        69        –         –         –    
   Office and                                                                                                       
   administrative support      79        59        75        77        57        74        87        73        84   
 Natural resources,                                                                                                 
 construction, and                                                                                                  
 maintenance..............     79        60        77        77        58        75        95        83        87   
   Construction,                                                                                                    
   extraction, farming,                                                                                             
   fishing, and forestry..     73        58        79        70        54        77        –         –         –    
   Installation,                                                                                                    
   maintenance, and repair     84        63        75        83        61        74        –         –         –    
 Production,                                                                                                        
 transportation, and                                                                                                
 material moving..........     76        58        76        76        57        75        82        68        83   
   Production.............     84        64        77        84        64        76        –         –         –    
   Transportation and                                                                                               
   material moving........     69        52        75        69        51        74        –         –         –    
                                                                                                                    
 Full time................     88        67        77        85        64        75        99        84        84   
 Part time................     24        13        56        24        13        54        24        17        73   
                                                                                                                    
 Union....................     95        79        83        95        79        83        95        79        84   
 Nonunion.................     68        50        73        67        48        72        80        68        84   
                                                                                                                    
 Average wage within the                                                                                            
 following categories:(3)                                                                                           
   Lowest 25 percent......     38        23        60        34        20        57        68        56        82   
     Lowest 10 percent....     21        11        52        20        10        50        54        42        78   
   Second 25 percent......     78        58        74        74        53        72        91        78        86   
   Third 25 percent.......     88        70        79        86        66        77        94        80        86   
   Highest 25 perecent....     94        75        80        93        72        78        97        80        83   
     Highest 10 percent...     95        76        80        94        74        79        97        82        85   
                                                                                                                    
       Establishment                                                                                                
     characteristics                                                                                                
                                                                                                                    
 Goods-producing                                                                                                    
 industries...............     86        68        79        86        68        79        –         –         –    
                                                                                                                    
 Service-providing                                                                                                  
 industries...............     70        52        74        66        48        72        87        73        84   
   Education and health                                                                                             
   services...............     79        60        76        74        52        71        88        72        82   
     Educational services      85        68        80        77        57        74        88        72        82   
       Elementary and                                                                                               
       secondary schools..     88        70        80        –         –         –         89        71        80   
       Junior colleges,                                                                                             
       colleges, and                                                                                                
       universities.......     86        71        82        90        68        76        84        72        86   
     Healthcare and social                                                                                          
     assistance...........     74        54        72        73        52        71        89        74        83   
       Hospitals..........     89        69        78        –         –         –         94        79        84   
   Public administration..     88        78        88        –         –         –         88        78        88   
                                                                                                                    
 1 to 99 workers..........     57        41        72        57        40        71        74        64        86   
   1 to 49 workers........     53        38        72        53        38        71        64        55        86   
   50 to 99 workers.......     70        50        71        69        48        70        88        76        86   
 100 workers or more......     86        66        77        85        63        75        89        74        84   
   100 to 499 workers.....     83        62        75        82        61        74        85        71        84   
   500 workers or more....     89        70        79        88        67        76        90        76        84   
                                                                                                                    
     Geographic areas                                                                                               
                                                                                                                    
 New England..............     73        52        72        70        49        70        87        70        80   
 Middle Atlantic..........     72        56        77        70        52        75        86        77        90   
 East North Central.......     73        53        72        72        51        71        80        62        78   
 West North Central.......     70        51        73        67        48        72        85        69        81   
 South Atlantic...........     73        54        74        70        50        72        89        76        85   
 East South Central.......     76        60        78        72        53        74        92        84        92   
 West South Central.......     73        55        75        70        51        74        91        74        81   
 Mountain.................     69        51        74        67        48        72        87        72        83   
 Pacific..................     71        56        79        68        52        77        88        74        84   

   1 The take-up rate is an estimate of the percentage of workers with access to a plan who participate in the plan,
 rounded for presentation. See Technical Note for more details.
   2 Includes workers in the private nonfarm economy except those in private households, and workers in the public
 sector, except the federal government. See Technical Note for further explanation.
   3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which
 may include workers with earnings both above and below the threshold.  The categories were formed using percentile
 estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee
 Compensation - March 2013."
 
 NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of
 major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
 www.bls.gov/ncs/ebs/glossary20122013.htm.



 Table 3. Medical plans: Share of premiums paid by employer and employee for single
 coverage,  National Compensation Survey, March 2013

 (In percent)
                                                                                      
                                                                                      
                               Civilian(1)       Private industry    State and local  
                                                                        government    
                                                                                      
      Characteristics                                                                 
                            Employer  Employee  Employer  Employee  Employer  Employee
                            share of  share of  share of  share of  share of  share of
                            premium   premium   premium   premium   premium   premium 
                                                                                      

                                                                                      
 All workers participating                                                            
 in single coverage                                                                   
 medical plans............     81        19        79        21        87        13   
                                                                                      
  Worker characteristics                                                              
                                                                                      
 Management, professional,                                                            
 and related..............     82        18        81        19        87        13   
   Management, business,                                                              
   and financial..........     81        19        79        21        –         –    
   Professional and                                                                   
   related................     83        17        81        19        87        13   
     Teachers.............     87        13        –         –         87        13   
       Primary, secondary,                                                            
       and special                                                                    
       education school                                                               
       teachers...........     87        13        –         –         87        13   
     Registered nurses....     80        20        –         –         –         –    
 Service..................     80        20        77        23        87        13   
   Protective service.....     85        15        75        25        87        13   
 Sales and office.........     78        22        77        23        88        12   
   Sales and related......     72        28        72        28        –         –    
   Office and                                                                         
   administrative support      81        19        79        21        88        12   
 Natural resources,                                                                   
 construction, and                                                                    
 maintenance..............     82        18        81        19        88        12   
   Construction,                                                                      
   extraction, farming,                                                               
   fishing, and forestry..     84        16        83        17        –         –    
   Installation,                                                                      
   maintenance, and repair     80        20        79        21        –         –    
 Production,                                                                          
 transportation, and                                                                  
 material moving..........     80        20        79        21        87        13   
   Production.............     79        21        79        21        –         –    
   Transportation and                                                                 
   material moving........     80        20        80        20        –         –    
                                                                                      
 Full time................     81        19        79        21        87        13   
 Part time................     74        26        72        28        81        19   
                                                                                      
 Union....................     87        13        87        13        87        13   
 Nonunion.................     79        21        78        22        87        13   
                                                                                      
 Average wage within the                                                              
 following categories:(2)                                                             
   Lowest 25 percent......     75        25        73        27        87        13   
     Lowest 10 percent....     72        28        71        29        88        12   
   Second 25 percent......     79        21        78        22        87        13   
   Third 25 percent.......     81        19        80        20        88        12   
   Highest 25 perecent....     83        17        81        19        87        13   
     Highest 10 percent...     83        17        81        19        89        11   
                                                                                      
       Establishment                                                                  
     characteristics                                                                  
                                                                                      
 Goods-producing                                                                      
 industries...............     81        19        81        19        –         –    
                                                                                      
 Service-providing                                                                    
 industries...............     81        19        78        22        87        13   
   Education and health                                                               
   services...............     83        17        80        20        86        14   
     Educational services      85        15        81        19        86        14   
       Elementary and                                                                 
       secondary schools..     86        14        –         –         86        14   
       Junior colleges,                                                               
       colleges, and                                                                  
       universities.......     85        15        79        21        88        12   
     Healthcare and social                                                            
     assistance...........     81        19        80        20        86        14   
       Hospitals..........     82        18        –         –         87        13   
   Public administration..     88        12        –         –         88        12   
                                                                                      
 1 to 99 workers..........     79        21        79        21        90        10   
   1 to 49 workers........     80        20        79        21        91         9   
   50 to 99 workers.......     78        22        77        23        90        10   
 100 workers or more......     81        19        79        21        87        13   
   100 to 499 workers.....     79        21        78        22        88        12   
   500 workers or more....     83        17        81        19        86        14   
                                                                                      
     Geographic areas                                                                 
                                                                                      
 New England..............     78        22        77        23        84        16   
 Middle Atlantic..........     83        17        81        19        89        11   
 East North Central.......     80        20        79        21        88        12   
 West North Central.......     81        19        78        22        91         9   
 South Atlantic...........     79        21        76        24        86        14   
 East South Central.......     80        20        77        23        87        13   
 West South Central.......     80        20        79        21        86        14   
 Mountain.................     82        18        81        19        88        12   
 Pacific..................     82        18        81        19        85        15   

   1 Includes workers in the private nonfarm economy except those in private
 households, and workers in the public sector, except the federal government. See
 Technical Note for further explanation.
   2 Surveyed occupations are classified into wage categories based on the average
 wage for the occupation, which may include workers with earnings both above and below
 the threshold.  The categories were formed using percentile estimates generated using
 data from the National Compensation Survey publication, "Employer Costs for Employee
 Compensation - March 2013."
 
 NOTE: Dash indicates no workers in this category or data did not meet publication
 criteria. For definitions of major plans, key provisions, and related terms, see the
 "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20122013.htm.



 Table 4. Medical plans: Share of premiums paid by employer and employee for family
 coverage,  National Compensation Survey, March 2013

 (In percent)
                                                                                      
                                                                                      
                               Civilian(1)       Private industry    State and local  
                                                                        government    
                                                                                      
      Characteristics                                                                 
                            Employer  Employee  Employer  Employee  Employer  Employee
                            share of  share of  share of  share of  share of  share of
                            premium   premium   premium   premium   premium   premium 
                                                                                      

                                                                                      
 All workers participating                                                            
 in family coverage                                                                   
 medical plans............     69        31        68        32        70        30   
                                                                                      
  Worker characteristics                                                              
                                                                                      
 Management, professional,                                                            
 and related..............     70        30        70        30        69        31   
   Management, business,                                                              
   and financial..........     70        30        70        30        –         –    
   Professional and                                                                   
   related................     70        30        70        30        68        32   
     Teachers.............     67        33        –         –         67        33   
       Primary, secondary,                                                            
       and special                                                                    
       education school                                                               
       teachers...........     66        34        –         –         66        34   
     Registered nurses....     71        29        –         –         –         –    
 Service..................     64        36        60        40        72        28   
   Protective service.....     74        26        60        40        78        22   
 Sales and office.........     67        33        66        34        72        28   
   Sales and related......     62        38        62        38        –         –    
   Office and                                                                         
   administrative support      69        31        68        32        72        28   
 Natural resources,                                                                   
 construction, and                                                                    
 maintenance..............     69        31        69        31        72        28   
   Construction,                                                                      
   extraction, farming,                                                               
   fishing, and forestry..     71        29        71        29        –         –    
   Installation,                                                                      
   maintenance, and repair     67        33        67        33        –         –    
 Production,                                                                          
 transportation, and                                                                  
 material moving..........     72        28        72        28        71        29   
   Production.............     73        27        73        27        –         –    
   Transportation and                                                                 
   material moving........     71        29        72        28        –         –    
                                                                                      
 Full time................     69        31        68        32        71        29   
 Part time................     64        36        63        37        69        31   
                                                                                      
 Union....................     80        20        83        17        78        22   
 Nonunion.................     65        35        66        34        63        37   
                                                                                      
 Average wage within the                                                              
 following categories:(2)                                                             
   Lowest 25 percent......     59        41        58        42        63        37   
     Lowest 10 percent....     57        43        56        44        56        44   
   Second 25 percent......     66        34        66        34        72        28   
   Third 25 percent.......     70        30        69        31        70        30   
   Highest 25 perecent....     73        27        73        27        74        26   
     Highest 10 percent...     74        26        73        27        79        21   
                                                                                      
       Establishment                                                                  
     characteristics                                                                  
                                                                                      
 Goods-producing                                                                      
 industries...............     74        26        74        26        –         –    
                                                                                      
 Service-providing                                                                    
 industries...............     67        33        67        33        70        30   
   Education and health                                                               
   services...............     66        34        66        34        66        34   
     Educational services      66        34        65        35        66        34   
       Elementary and                                                                 
       secondary schools..     64        36        –         –         64        36   
       Junior colleges,                                                               
       colleges, and                                                                  
       universities.......     71        29        69        31        72        28   
     Healthcare and social                                                            
     assistance...........     67        33        66        34        70        30   
       Hospitals..........     74        26        –         –         71        29   
   Public administration..     77        23        –         –         77        23   
                                                                                      
 1 to 99 workers..........     63        37        63        37        70        30   
   1 to 49 workers........     63        37        63        37        72        28   
   50 to 99 workers.......     64        36        63        37        68        32   
 100 workers or more......     72        28        72        28        70        30   
   100 to 499 workers.....     68        32        68        32        69        31   
   500 workers or more....     74        26        77        23        71        29   
                                                                                      
     Geographic areas                                                                 
                                                                                      
 New England..............     74        26        73        27        79        21   
 Middle Atlantic..........     75        25        73        27        87        13   
 East North Central.......     74        26        72        28        82        18   
 West North Central.......     67        33        66        34        69        31   
 South Atlantic...........     64        36        63        37        65        35   
 East South Central.......     61        39        64        36        55        45   
 West South Central.......     62        38        65        35        53        47   
 Mountain.................     68        32        69        31        64        36   
 Pacific..................     69        31        68        32        75        25   

   1 Includes workers in the private nonfarm economy except those in private
 households, and workers in the public sector, except the federal government. See
 Technical Note for further explanation.
   2 Surveyed occupations are classified into wage categories based on the average
 wage for the occupation, which may include workers with earnings both above and below
 the threshold.  The categories were formed using percentile estimates generated using
 data from the National Compensation Survey publication, "Employer Costs for Employee
 Compensation - March 2013."
 
 NOTE: Dash indicates no workers in this category or data did not meet publication
 criteria. For definitions of major plans, key provisions, and related terms, see the
 "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20122013.htm.



 Table 5. Life insurance benefits: Access, participation, and take-up rates,(1) National Compensation Survey, March
 2013

 (All workers = 100 percent)
                                                                                                                    
                                                                                                                    
                                    Civilian(2)                 Private industry         State and local government 
                                                                                                                    
      Characteristics                                                                                               
                             Access  Particip-  Take-up    Access  Particip-  Take-up    Access  Particip-  Take-up 
                                       ation      rate               ation      rate               ation      rate  
                                                                                                                    

                                                                                                                    
 All workers..............     60        59        97        57        55        97        79        78        98   
                                                                                                                    
  Worker characteristics                                                                                            
                                                                                                                    
 Management, professional,                                                                                          
 and related..............     79        78        98        78        78        99        80        78        98   
   Management, business,                                                                                            
   and financial..........     86        85        99        86        85        99        –         –         –    
   Professional and                                                                                                 
   related................     76        75        98        74        73        99        79        77        97   
     Teachers.............     74        72        97        –         –         –         78        76        97   
       Primary, secondary,                                                                                          
       and special                                                                                                  
       education school                                                                                             
       teachers...........     82        81        98        –         –         –         85        84        98   
     Registered nurses....     76        76        99        –         –         –         –         –         –    
 Service..................     34        33        96        27        26        95        76        75        98   
   Protective service.....     70        67        96        48        43        88        85        85        99   
 Sales and office.........     59        57        96        57        55        96        79        78        98   
   Sales and related......     47        44        93        47        44        93        –         –         –    
   Office and                                                                                                       
   administrative support      65        64        97        63        62        97        80        78        98   
 Natural resources,                                                                                                 
 construction, and                                                                                                  
 maintenance..............     61        60        97        58        57        97        91        89        99   
   Construction,                                                                                                    
   extraction, farming,                                                                                             
   fishing, and forestry..     55        53        97        50        48        97        –         –         –    
   Installation,                                                                                                    
   maintenance, and repair     67        66        98        65        63        98        –         –         –    
 Production,                                                                                                        
 transportation, and                                                                                                
 material moving..........     65        62        96        64        62        96        78        77        99   
   Production.............     72        69        96        72        69        96        –         –         –    
   Transportation and                                                                                               
   material moving........     58        56        96        57        54        96        –         –         –    
                                                                                                                    
 Full time................     75        73        98        72        70        98        90        88        98   
 Part time................     15        13        88        14        12        87        23        22        96   
                                                                                                                    
 Union....................     86        85        98        86        85        98        86        85        98   
 Nonunion.................     56        54        97        54        52        97        74        72        97   
                                                                                                                    
 Average wage within the                                                                                            
 following categories:(3)                                                                                           
   Lowest 25 percent......     26        23        91        22        20        89        62        61        98   
     Lowest 10 percent....     12        11        89        11        10        90        48        46        96   
   Second 25 percent......     63        61        97        58        56        96        84        82        98   
   Third 25 percent.......     76        74        98        72        71        98        85        83        98   
   Highest 25 perecent....     86        85        99        84        83        99        89        86        97   
     Highest 10 percent...     89        88        99        89        88        99        90        86        96   
                                                                                                                    
       Establishment                                                                                                
     characteristics                                                                                                
                                                                                                                    
 Goods-producing                                                                                                    
 industries...............     73        71        97        72        71        97        –         –         –    
                                                                                                                    
 Service-providing                                                                                                  
 industries...............     58        57        97        54        52        97        79        78        98   
   Education and health                                                                                             
   services...............     68        66        98        61        60        98        79        77        97   
     Educational services      76        74        98        67        66        99        79        77        97   
       Elementary and                                                                                               
       secondary schools..     76        75        98        –         –         –         78        76        98   
       Junior colleges,                                                                                             
       colleges, and                                                                                                
       universities.......     83        80        96        85        84        99        81        77        95   
     Healthcare and social                                                                                          
     assistance...........     62        61        98        60        59        98        81        79        97   
       Hospitals..........     86        85        98        –         –         –         90        87        97   
   Public administration..     83        82        99        –         –         –         83        82        99   
                                                                                                                    
 1 to 99 workers..........     40        39        97        39        38        96        63        63        99   
   1 to 49 workers........     36        34        96        35        34        96        60        59        99   
   50 to 99 workers.......     55        53        97        54        52        97        68        67        99   
 100 workers or more......     79        77        97        78        76        97        82        80        98   
   100 to 499 workers.....     73        70        97        72        70        96        75        73        98   
   500 workers or more....     85        83        98        85        84        99        84        82        98   
                                                                                                                    
     Geographic areas                                                                                               
                                                                                                                    
 New England..............     61        59        97        59        58        98        73        69        94   
 Middle Atlantic..........     59        58        99        55        54        98        84        84       100   
 East North Central.......     66        64        97        63        62        97        79        76        97   
 West North Central.......     59        57        96        56        53        95        79        78        99   
 South Atlantic...........     60        59        97        56        55        97        83        81        98   
 East South Central.......     67        64        95        63        60        96        85        80        94   
 West South Central.......     63        60        96        60        57        95        77        76        98   
 Mountain.................     59        57        97        56        54        97        80        79        99   
 Pacific..................     53        52        98        49        48        98        73        72        99   

   1 The take-up rate is an estimate of the percentage of workers with access to a plan who participate in the plan,
 rounded for presentation. See Technical Note for more details.
   2 Includes workers in the private nonfarm economy except those in private households, and workers in the public
 sector, except the federal government. See Technical Note for further explanation.
   3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which
 may include workers with earnings both above and below the threshold.  The categories were formed using percentile
 estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee
 Compensation - March 2013."
 
 NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of
 major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
 www.bls.gov/ncs/ebs/glossary20122013.htm.



 Table 6. Selected paid leave benefits: Access, National Compensation Survey, March 2013

 (All workers = 100 percent)
                                                                                                                    
                                                                                                                    
                                    Civilian(1)                 Private industry         State and local government 
                                                                                                                    
      Characteristics                                                                                               
                           Paid sick    Paid      Paid   Paid sick    Paid      Paid   Paid sick    Paid      Paid  
                             leave    vacation  holidays   leave    vacation  holidays   leave    vacation  holidays
                                                                                                                    

                                                                                                                    
 All workers..............     65        74        76        61        77        77        89        59        67   
                                                                                                                    
  Worker characteristics                                                                                            
                                                                                                                    
 Management, professional,                                                                                          
 and related..............     85        75        79        83        88        89        90        43        55   
   Management, business,                                                                                            
   and financial..........     89        95        95        88        96        97        –         –         –    
   Professional and                                                                                                 
   related................     84        68        73        80        84        85        90        36        50   
     Teachers.............     85        17        34        –         –         –         88        12        30   
       Primary, secondary,                                                                                          
       and special                                                                                                  
       education school                                                                                             
       teachers...........     95        12        29        –         –         –         95         8        26   
     Registered nurses....     79        80        82        –         –         –         –         –         –    
 Service..................     47        58        57        40        55        53        85        76        78   
   Protective service.....     74        81        83        53        72        78        90        88        87   
 Sales and office.........     67        79        80        64        79        79        89        84        85   
   Sales and related......     52        68        67        52        68        67        –         –         –    
   Office and                                                                                                       
   administrative support      75        86        87        73        86        87        90        85        86   
 Natural resources,                                                                                                 
 construction, and                                                                                                  
 maintenance..............     57        82        85        53        81        84        95        95        96   
   Construction,                                                                                                    
   extraction, farming,                                                                                             
   fishing, and forestry..     44        71        77        38        68        75        –         –         –    
   Installation,                                                                                                    
   maintenance, and repair     68        92        92        66        91        92        –         –         –    
 Production,                                                                                                        
 transportation, and                                                                                                
 material moving..........     55        82        84        54        83        84        87        63        73   
   Production.............     55        91        92        55        91        92        –         –         –    
   Transportation and                                                                                               
   material moving........     56        74        76        53        75        77        –         –         –    
                                                                                                                    
 Full time................     78        87        88        74        91        90        98        67        74   
 Part time................     26        34        38        24        36        39        41        21        29   
                                                                                                                    
 Union....................     84        75        81        71        91        92        97        57        69   
 Nonunion.................     62        74        75        60        75        76        82        62        66   
                                                                                                                    
 Average wage within the                                                                                            
 following categories:(2)                                                                                           
   Lowest 25 percent......     34        51        51        30        49        49        75        56        63   
     Lowest 10 percent....     21        39        37        20        39        36        62        41        49   
   Second 25 percent......     69        83        84        63        83        84        93        84        87   
   Third 25 percent.......     79        89        90        74        90        90        93        66        74   
   Highest 25 perecent....     87        79        82        84        91        92        96        37        49   
     Highest 10 percent...     90        78        81        87        92        92        98        36        46   
                                                                                                                    
       Establishment                                                                                                
     characteristics                                                                                                
                                                                                                                    
 Goods-producing                                                                                                    
 industries...............     57        89        91        57        89        91        –         –         –    
                                                                                                                    
 Service-providing                                                                                                  
 industries...............     67        72        73        62        74        74        89        59        67   
   Education and health                                                                                             
   services...............     80        65        71        74        78        80        89        42        55   
     Educational services      86        40        52        75        55        62        89        35        49   
       Elementary and                                                                                               
       secondary schools..     90        27        41        –         –         –         90        26        41   
       Junior colleges,                                                                                             
       colleges, and                                                                                                
       universities.......     85        67        78        81        72        80        87        64        77   
     Healthcare and social                                                                                          
     assistance...........     75        82        84        74        82        83        89        87        89   
       Hospitals..........     87        90        91        –         –         –         93        93        94   
   Public administration..     90        89        88        –         –         –         90        89        88   
                                                                                                                    
 1 to 99 workers..........     52        69        68        51        69        68        79        66        69   
   1 to 49 workers........     51        66        67        50        66        67        71        64        66   
   50 to 99 workers.......     59        76        74        56        76        74        90        69        74   
 100 workers or more......     77        79        82        72        86        87        90        58        67   
   100 to 499 workers.....     69        81        82        66        84        85        87        60        64   
   500 workers or more....     85        78        82        81        90        91        92        58        68   
                                                                                                                    
     Geographic areas                                                                                               
                                                                                                                    
 New England..............     69        72        73        65        75        77        89        48        53   
 Middle Atlantic..........     68        73        75        65        76        77        89        59        63   
 East North Central.......     60        74        76        56        78        78        85        53        65   
 West North Central.......     64        73        75        59        76        76        90        58        69   
 South Atlantic...........     66        77        79        61        79        80        92        66        77   
 East South Central.......     65        75        78        58        78        80        90        64        71   
 West South Central.......     67        76        76        63        80        80        86        54        56   
 Mountain.................     61        73        71        58        76        73        83        53        58   
 Pacific..................     67        72        73        63        73        73        91        66        73   

   1 Includes workers in the private nonfarm economy except those in private households, and workers in the public
 sector, except the federal government. See Technical Note for further explanation.
   2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which
 may include workers with earnings both above and below the threshold.  The categories were formed using percentile
 estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee
 Compensation - March 2013."
 
 NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of
 major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
 www.bls.gov/ncs/ebs/glossary20122013.htm.



 Appendix table 1. Survey establishment response, National Compensation Survey, March 2013
                                                                                                  
                                                                                                  
     Establishments               Total              Private industry          State and local    
                                                                                 governments      
                                                                                                  

                                                                                                  
 Total in sampling                                                                                
 frame(1)..............        5,361,947                5,138,925                  223,023        
                                                                                                  
   Total in sample.....           11,893                   10,297                    1,596        
     Responding........            7,633                    6,268                    1,365        
     Refused or unable                                                                            
 to provide data.......            2,871                    2,660                      211        
     Out of business or                                                                           
 not in survey scope...            1,389                    1,369                       20        

   1 The list of establishments from which the survey sample was selected (sampling frame) was
 developed from State unemployment insurance reports and is based on the 2007 North American
 Industry Classification System (NAICS). For private industries, an establishment is usually a
 single physical location. For State and local governments, an establishment is defined as all
 locations of a government entity. 

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



     Appendix table 2. Number of workers(1) represented, National Compensation Survey, March
     2013
                                                                                             
                                                                                             
     Occupational group(2)     Civilian workers      Private industry      State and local   
                                                         workers          government workers 
                                                                                             

                                                                                             
     All workers...........      124,992,900           106,145,300            18,847,500     
       Management,                                                                           
       professional, and                                                                     
       related.............       36,976,900            26,611,000            10,365,900     
         Management,                                                                         
         business, and                                                                       
         financial.........       10,870,300             9,322,100                –          
         Professional and                                                                    
         related...........       26,106,600            17,288,900             8,817,700     
           Teachers........        6,248,800                –                  4,915,000     
             Primary,                                                                        
             secondary, and                                                                  
             special                                                                         
             education                                                                       
             school                                                                          
             teachers......        4,154,200                –                  3,598,000     
           Registered                                                                        
           nurses..........        2,753,700                –                     –          
       Service.............       27,820,000            23,742,700             4,077,300     
         Protective service        3,143,400             1,306,100             1,837,300     
       Sales and office....       32,422,000            29,719,400             2,702,600     
         Sales and related        11,833,100            11,706,200                –          
         Office and                                                                          
         administrative                                                                      
         support...........       20,588,900            18,013,200             2,575,700     
       Natural resources,                                                                    
       construction, and                                                                     
       maintenance.........        9,500,000             8,565,600               934,400     
         Construction,                                                                       
         extraction,                                                                         
         farming, fishing,                                                                   
         and forestry......        4,404,800             3,889,700                –          
         Installation,                                                                       
         maintenance, and                                                                    
         repair............        5,095,200             4,675,900                –          
       Production,                                                                           
       transportation, and                                                                   
       material moving.....       18,274,000            17,506,600               767,400     
         Production........        8,710,800             8,597,800                –          
         Transportation and                                                                  
         material moving...        9,563,200             8,908,800                –          

       1 The number of workers represented by the survey are rounded to the nearest 100.
     Estimates of the number of workers provide a description of the size and composition of
     the labor force included in the survey. Estimates are not intended, however, for
     comparison to other statistical series to measure employment trends or levels.
       2 The 2000 Standard Occupational Classification system is used to classify workers.
     
     NOTE: Because of rounding, sums of individual items may not equal totals. Dashes
     indicate that no estimates for this characteristic are provided in this publication.


Last Modified Date: July 17, 2013
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