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Insurance benefits: Access, participation, and take-up rates Data Table

Table 12. Insurance benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,
March 2008

(All workers = 100 percent)

Characteristics

Life insurance

Short-term disabilty

Long-term disability

Access

Participation

Take-up
rate

Access

Participation

Take-up
rate

Access

Participation

Take-up
rate

All workers

62

60

96

37

35

97

32

31

95

Worker characteristics

                 

Management, professional, and related

77

75

98

43

42

98

51

48

95

    Management, business, and financial

85

83

98

55

54

97

59

57

96

    Professional and related

74

73

98

39

38

98

48

45

94

        Teachers

72

70

97

21

21

97

40

38

95

            Primary, secondary, and special education
             school teachers

76

75

98

18

17

95

40

38

95

        Registered nurses

68

66

97

33

32

99

44

42

95

Service

42

39

93

23

21

95

15

14

94

Sales and office

61

58

95

36

35

97

32

30

95

    Sales and related

50

46

93

29

28

96

19

18

94

    Office and administrative support

67

65

97

39

38

97

40

38

96

Natural resources, construction, and maintenance

58

56

96

34

33

98

24

23

96

    Construction, extraction, farming, fishing, and
     forestry

49

47

95

26

26

98

15

15

98

    Installation, maintenance, and repair

69

67

97

43

41

97

34

32

95

Production, transportation, and material moving

67

64

96

47

46

97

27

26

97

    Production

72

70

97

55

54

98

30

29

97

    Transportation and material moving

61

58

95

39

38

97

24

23

97

Full time

75

72

96

43

42

97

39

37

96

Part time

17

15

89

14

14

95

7

7

90

Union

82

80

98

47

46

98

34

33

97

Nonunion

58

56

95

35

33

97

32

30

95

Average wage within the following percentiles:3

                 

    Less than 10

18

16

88

12

11

92

    10 to under 25

40

36

89

22

20

94

12

11

91

    25 to under 50

65

62

96

36

35

97

28

27

95

    50 to under 75

73

71

97

44

43

98

39

37

96

    75 to under 90

79

78

98

49

48

98

51

49

95

    90 or greater

84

82

98

52

51

98

56

54

97

Establishment characteristics

                 

Goods-producing industries

71

68

97

51

50

98

32

31

97

Service-providing industries

60

58

96

34

33

97

32

30

95

    Education and health services

69

67

97

28

27

97

37

35

95

        Educational services

76

74

97

22

21

96

40

38

96

            Elementary and secondary schools

75

74

98

19

18

95

36

34

96

            Junior colleges, colleges, and universities

83

80

96

28

28

97

52

49

95

        Health care and social assistance

64

61

96

32

32

98

35

33

95

            Hospitals

85

83

98

41

41

98

57

54

95

    Public administration

82

80

98

27

27

99

31

29

95

1 to 99 workers

44

41

95

26

26

97

20

19

95

    1 to 49 workers

39

37

94

24

23

96

18

17

95

    50 to 99 workers

55

53

95

34

33

97

26

24

94

100 workers or more

78

76

97

45

44

97

43

41

96

    100 to 499 workers

71

68

95

43

42

97

35

34

96

    500 workers or more

85

83

98

48

46

98

50

47

95

Geographic areas

                 

New England

58

56

98

34

33

97

31

30

96

Middle Atlantic

60

59

98

68

68

99

28

27

96

East North Central

66

63

96

40

39

97

38

36

95

West North Central

63

60

97

30

29

98

34

33

96

South Atlantic

66

63

95

32

30

94

34

32

94

East South Central

68

65

95

28

27

96

29

27

94

West South Central

60

56

94

27

26

96

30

28

95

Mountain

60

56

94

26

25

96

33

31

95

Pacific

57

55

96

28

27

98

29

28

97

Footnotes:

1The 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.

2Includes 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.

3The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the threshold. The percentile values are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2007." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria.