level of employment income amongst ex-Gazans in Jerash camp is not that much lower than for the other two groups, we should remember that the support burden of each employed adult in Jerash is higher than elsewhere, and that intermittent work is more widespread. Furthermore, for outside-camp work, the transportation costs are often higher than for other camp populations. Taken together, this adds up to the significantly lower per capita household income and more widespread poverty reported in chapter 3. JD Figure 28 Mean and median pay the past month in JD by ex-Gaza status (n=1,320). Mean 250 Median 200 150 100 50 0 Ex-Gazans, Jerash Other ex-Gazans Other Palestinian refugees In addition to lower wage income, Table 28 starkly illustrates that ex-Gazans, particularly in Jerash, have fewer non-pay benefits associated with their job than others, a consequence of the more widespread irregularity in worker-employer relations and the general informality of their employment situation. As we shall see, such circumstances are also reflected in poorer access to employment contracts. Table 28 Non-pay employment benefits by refugee status. Percentage of all employed aged 15 and above (n=1,311). Ex-Gazans, Jerash Other exGazans Other Palestinian refugees Paid holiday 11 17 30 Paid sick leave 13 22 34 Paid maternity leave 3 2 3 Retirement pension 3 7 16 Subsidized transportation 0 3 8 Subsidized medical care 9 11 27 Overtime pay 0 8 9 Scale for annual pay increase 11 9 20 Access to benefits tends to be fairly good if you have public employment, and so exGazans’ lower access to benefits is likely in part a consequence of their lack of access to public sector jobs. The contrast to Souf camp is stark. There, a much larger proportion of the camp population benefits from public employment, including in the past, and 64% of Souf’s population is covered by government health insurance issued to current and former employees (and an additional 4% are covered by the army) as compared with only 1.5% of ex-Gazans in Jerash camp (and where 2% have army health insurance) 79. The comprehensive survey asked about four types of health insurance: government, university, military and private. Altogether 11% of the ex-Gazan population in Jerash are covered by any 79 Fafo Report 2019:34 72