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Employee Benefits Survey
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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 private industry 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

59

56

96

39

38

97

32

30

95

Worker characteristics

                 

Management, professional, and related

76

74

98

53

51

98

57

54

95

    Management, business, and financial

85

83

98

60

59

97

63

60

96

    Professional and related

72

70

98

49

48

98

54

51

94

Service

36

33

91

22

21

95

12

12

93

Sales and office

59

56

95

36

35

97

31

30

95

    Sales and related

50

46

93

30

28

96

19

17

94

    Office and administrative support

65

62

96

41

40

97

40

38

96

Natural resources, construction, and maintenance

56

53

96

34

33

98

22

21

96

    Construction, extraction, farming, fishing, and
     forestry

46

43

94

26

26

98

13

12

97

    Installation, maintenance, and repair

67

65

97

44

43

97

33

32

95

Production, transportation, and material moving

66

63

96

48

47

97

27

26

97

    Production

72

70

97

55

54

98

30

29

97

    Transportation and material moving

60

57

94

40

39

97

24

23

97

Full time

72

69

96

47

45

97

39

37

95

Part time

16

14

88

15

14

95

7

6

89

Union

77

76

98

63

62

98

34

32

96

Nonunion

57

54

95

36

35

97

31

30

95

Average wage within the following percentiles:2

                 

    Less than 10

17

16

89

12

11

93

    10 to under 25

36

32

87

21

19

93

10

9

89

    25 to under 50

63

60

95

37

36

97

26

25

94

    50 to under 75

69

67

97

46

45

98

38

37

96

    75 to under 90

76

75

98

56

55

98

53

50

95

    90 or greater

82

81

98

62

60

98

63

60

97

Establishment characteristics

                 

Goods-producing industries

70

68

97

51

50

98

32

31

97

    Construction

43

40

94

23

22

98

10

10

95

    Manufacturing

82

80

97

64

62

98

40

39

97

Service-providing industries

56

53

95

36

35

97

31

30

95

    Trade, transportation, and utilities

59

56

95

36

34

97

23

22

95

        Wholesale trade

72

70

97

48

46

96

40

39

96

        Retail trade

49

45

91

28

27

95

11

10

90

        Transportation and warehousing

74

73

98

44

44

99

34

34

98

        Utilities

93

93

100

50

50

100

88

87

99

    Information

77

76

99

68

66

98

59

59

98

    Financial activities

78

76

98

60

59

98

63

60

95

        Finance and insurance

85

84

99

67

65

98

72

69

95

            Credit intermediation and related activities

90

89

99

67

66

98

75

73

96

            Insurance carriers and related activities

78

77

98

63

62

98

71

66

93

        Real estate and rental and leasing

50

48

96

35

34

96

28

26

95

    Professional and business services

56

53

95

39

37

96

37

35

95

        Professional and technical services

70

69

99

49

46

95

57

54

94

        Administrative and waste services

36

32

88

26

25

95

16

15

95

    Education and health services

62

60

96

33

32

98

37

35

95

        Educational services

65

64

98

35

34

98

56

54

96

            Junior colleges, colleges, and universities

85

85

99

42

41

97

79

75

95

        Health care and social assistance

62

59

96

33

32

98

34

32

94

    Leisure and hospitality

29

27

91

20

18

93

        Accommodation and food services

29

26

91

21

19

93

    Other services

38

36

93

24

23

95

27

23

87

1 to 99 workers

43

40

94

27

26

96

19

18

94

    1 to 49 workers

38

36

94

24

23

96

17

16

94

    50 to 99 workers

54

52

95

35

34

97

25

23

94

100 workers or more

77

74

96

53

51

97

45

43

95

    100 to 499 workers

71

67

95

47

45

97

35

34

96

    500 workers or more

85

83

98

60

58

98

58

55

95

Geographic areas

                 

Metropolitan areas

59

57

96

40

39

97

33

31

95

Nonmetropolitan areas

57

54

95

33

32

98

23

22

95

New England

55

53

98

38

37

97

33

32

95

Middle Atlantic

56

55

98

73

73

99

30

29

96

East North Central

64

61

96

43

41

96

35

34

95

West North Central

60

58

96

33

32

98

30

28

95

South Atlantic

62

59

95

33

31

95

33

31

94

East South Central

66

62

95

34

32

96

31

29

94

West South Central

57

53

93

29

28

96

32

30

95

Mountain

56

52

93

27

26

96

28

27

95

Pacific

53

51

96

27

26

97

29

28

96

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.