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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 State and local government workers, 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

79

77

97

23

22

97

35

34

96

Worker characteristics

                 

Management, professional, and related

80

78

97

22

21

97

38

36

96

    Professional and related

79

77

97

20

19

97

37

35

95

        Teachers

78

76

97

17

16

95

37

35

96

            Primary, secondary, and special education
             school teachers

82

80

98

14

13

93

39

37

96

        Registered nurses

83

81

98

19

18

99

48

47

97

Service

75

73

97

23

22

98

28

26

95

    Protective service

85

83

98

23

23

99

28

26

94

Sales and office

81

79

98

26

26

98

36

35

97

    Office and administrative support

81

80

98

27

26

98

36

35

97

Natural resources, construction, and maintenance

89

88

99

30

29

96

41

41

98

Production, transportation, and material moving

77

75

97

20

20

100

28

27

94

Full time

90

87

98

25

24

97

39

38

96

Part time

24

23

95

11

11

100

13

12

96

Union

87

85

98

27

26

96

34

33

97

Nonunion

74

71

96

19

19

99

36

34

95

Average wage within the following percentiles:2

                 

    Less than 10

44

42

95

12

12

100

18

17

95

    10 to under 25

74

72

97

21

21

97

33

32

96

    25 to under 50

84

82

97

26

26

97

34

32

95

    50 to under 75

85

84

98

26

25

96

42

40

96

    75 to under 90

88

86

98

20

19

96

40

37

94

    90 or greater

89

87

97

29

28

100

37

37

98

Establishment characteristics

                 

Service-providing industries

79

77

97

23

22

97

35

33

96

    Education and health services

79

77

97

20

19

96

37

35

96

        Educational services

78

76

97

19

18

95

36

34

95

            Elementary and secondary schools

77

76

98

18

17

94

35

33

96

            Junior colleges, colleges, and universities

82

77

94

21

20

97

37

35

94

        Health care and social assistance

84

82

97

27

27

98

44

43

97

            Hospitals

89

86

97

26

26

98

49

48

97

    Public administration

82

80

98

27

27

99

31

29

95

1 to 99 workers

64

62

97

20

20

99

34

33

97

    1 to 49 workers

63

61

98

23

23

99

29

28

98

    50 to 99 workers

66

63

96

15

15

100

41

40

95

100 workers or more

82

80

97

23

23

97

35

34

96

    100 to 499 workers

73

72

98

17

16

97

35

34

98

    500 workers or more

85

83

97

26

25

97

35

34

95

State government

86

82

95

28

28

99

36

34

95

Local government

77

76

98

21

20

97

35

34

96

Geographic areas

                 

New England

76

73

97

11

11

100

18

17

97

Middle Atlantic

84

83

99

38

37

99

16

15

98

East North Central

77

74

96

23

23

99

51

50

97

West North Central

75

74

99

13

12

98

55

55

99

South Atlantic

84

81

96

26

24

91

43

40

92

East South Central

80

75

94

21

19

90

West South Central

75

74

99

11

11

98

19

17

93

Mountain

83

81

97

20

20

100

62

60

97

Pacific

77

77

99

34

34

100

30

30

100

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.

2The 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.