Table 5. Life Insurance benefits: Access, participation, and take-up rates


 Table 5. Life insurance benefits: Access, participation, and take-up rates,(1) March 2016

 (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..............     59        57        98        55        54        98        80        78        98   
                                                                                                                    
  Worker characteristics                                                                                            
                                                                                                                    
 Management, professional,                                                                                          
 and related..............     77        76        99        75        75        99        80        78        98   
   Management, business,                                                                                            
   and financial..........     83        83        99        83        83        99                              
   Professional and                                                                                                 
   related................     74        73        98        71        71        99        79        77        98   
     Teachers.............     73        71        98                                   79        77        98   
       Primary, secondary,                                                                                          
       and special                                                                                                  
       education school                                                                                             
       teachers...........     82        81        98                                   86        84        98   
     Registered nurses....     77        77        99                                                         
 Service..................     34        32        95        27        25        94        77        76        98   
   Protective service.....     71        69        97        50        47        95        86        85        98   
 Sales and office.........     56        55        98        54        52        98        81        80        98   
   Sales and related......     42        40        96        41        40        96                              
   Office and                                                                                                       
   administrative support      64        63        98        62        61        98        82        80        98   
 Natural resources,                                                                                                 
 construction, and                                                                                                  
 maintenance..............     58        56        97        54        53        97        93        91        99   
   Construction,                                                                                                    
   extraction, farming,                                                                                             
   fishing, and forestry..     51        49        97        46        44        97                              
   Installation,                                                                                                    
   maintenance, and repair     65        63        97        62        61        97                              
 Production,                                                                                                        
 transportation, and                                                                                                
 material moving..........     63        60        97        62        60        97        77        74        97   
   Production.............     68        66        98        68        66        98                              
   Transportation and                                                                                               
   material moving........     58        55        96        56        54        95                              
                                                                                                                    
 Full time................     74        73        98        71        70        98        90        88        98   
 Part time................     12        11        89        12        10        88        22        21        96   
                                                                                                                    
 Union....................     85        83        97        84        80        96        86        85        98   
 Nonunion.................     54        53        98        52        51        98        74        72        97   
                                                                                                                    
 Average wage within the                                                                                            
 following categories:(3)                                                                                           
   Lowest 25 percent......     24        22        92        21        19        91        64        62        98   
     Lowest 10 percent....     14        12        86        13        11        83        50        49        97   
   Second 25 percent......     61        60        98        57        55        97        84        83        98   
   Third 25 percent.......     75        74        98        71        70        98        84        83        98   
   Highest 25 percent.....     84        83        99        82        82        99        89        87        97   
     Highest 10 percent...     86        85        99        85        85        99        89        85        96   
                                                                                                                    
       Establishment                                                                                                
     characteristics                                                                                                
                                                                                                                    
 Goods-producing                                                                                                    
 industries...............     70        68        98        70        68        98                              
                                                                                                                    
 Service-providing                                                                                                  
 industries...............     57        55        98        52        51        97        80        78        98   
   Education and health                                                                                             
   services...............     69        68        99        62        62        99        80        78        98   
     Educational services      77        75        98        67        66        98        79        78        98   
       Elementary and                                                                                               
       secondary schools..     76        74        98                                   78        76        98   
       Junior colleges,                                                                                             
       colleges, and                                                                                                
       universities.......     85        83        98        87        86        98        84        81        97   
     Health care and                                                                                                
     social assistance....     63        63        99        62        61        99        83        79        95   
       Hospitals..........     90        89        99                                   91        87        96   
   Public administration..     82        81        98                                   82        81        98   
                                                                                                                    
 1 to 99 workers..........     41        39        97        40        39        97        64        62        96   
   1 to 49 workers........     36        35        98        35        34        98        64        62        97   
   50 to 99 workers.......     55        52        95        54        52        95        64        62        96   
 100 workers or more......     76        74        98        74        72        98        82        80        98   
   100 to 499 workers.....     68        66        98        67        65        98        75        73        98   
   500 workers or more....     85        83        98        85        84        99        85        83        98   
                                                                                                                    
     Geographic areas                                                                                               
                                                                                                                    
 Northeast................     59        58        98        56        55        98        81        79        98   
   New England............     58        56        97        56        54        98        71        66        92   
   Middle Atlantic........     60        59        99        56        55        98        85        84        99   
 South....................     61        59        97        57        55        97        82        80        97   
   South Atlantic.........     60        59        98        56        55        98        83        81        98   
   East South Central.....     62        59        96        56        53        96        89        85        96   
   West South Central.....     62        60        96        60        57        96        76        75        98   
 Midwest..................     62        60        98        59        57        98        79        77        98   
   East North Central.....     61        59        97        58        56        98        79        76        97   
   West North Central.....     64        63        98        61        59        98        79        79       100   
 West.....................     51        50        98        48        47        98        76        75        99   
   Mountain...............     54        53        98        50        49        98        80        79        99   
   Pacific................     50        49        98        46        45        98        75        73        98   

   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 wage data for March 2016.
 
 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/glossary20152016.htm.
 
 Source: Bureau of Labor Statistics, National Compensation Survey.
                                                                                                                                                                                                                                                                                                                                                     

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Last Modified Date: July 28, 2016