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Employee Benefits Survey
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Insurance benefits: Access, participation, and take-up rates

Table 17. Insurance benefits: Access, participation, and take-up rates,1 private industry workers,  National Compensation
Survey, March 2011

(All workers = 100 percent)

Characteristics

Life insurance

Short-term disability

Long-term disability

Access

Participation

Take-up
rate

Access

Participation

Take-up
rate

Access

Participation

Take-up
rate

All workers

58

56

97

38

37

98

32

31

96

Worker characteristics

                 

Management, professional, and related

77

76

98

51

50

98

58

56

96

    Management, business, and financial

85

84

99

60

59

98

66

64

96

    Professional and related

73

72

98

47

46

98

54

52

95

Service

31

29

94

21

19

93

11

11

94

    Protective service

54

49

90

23

23

99

13

12

94

Sales and office

58

55

96

36

36

98

32

31

95

    Sales and related

48

44

92

29

28

98

20

18

92

    Office and administrative support

64

62

97

41

40

98

40

39

96

Natural resources, construction, and maintenance

58

55

96

36

35

98

23

22

97

    Construction, extraction, farming, fishing, and
     forestry

49

46

95

28

28

97

15

14

96

    Installation, maintenance, and repair

66

64

97

43

43

98

31

30

98

Production, transportation, and material moving

64

62

97

46

45

98

27

26

96

    Production

71

69

97

52

51

98

31

30

96

    Transportation and material moving

58

56

96

39

38

98

24

23

96

Full time

73

71

97

46

45

98

41

40

96

Part time

14

13

91

15

14

96

6

6

94

Union

83

81

98

63

63

99

35

34

97

Nonunion

55

53

96

35

34

97

32

30

96

Average wage within the following categories:2

                 

    Lowest 25 percent

25

22

91

17

16

95

7

7

94

        Lowest 10 percent

13

12

90

15

13

92

4

3

95

    Second 25 percent

61

59

95

36

35

97

27

26

95

    Third 25 percent

71

69

97

47

46

98

40

38

96

    Highest 25 percent

81

80

99

58

57

99

61

59

96

        Highest 10 percent

85

84

99

61

60

99

66

63

96

Establishment characteristics

                 

Goods-producing industries

72

70

97

51

51

99

34

33

96

    Construction

46

44

95

25

24

98

13

13

94

    Manufacturing

81

80

98

61

61

99

41

40

96

Service-providing industries

55

53

96

35

34

97

32

30

96

    Trade, transportation, and utilities

57

54

94

34

33

98

23

22

94

        Wholesale trade

66

65

98

45

45

98

38

37

96

        Retail trade

47

42

90

27

26

98

12

11

90

        Transportation and warehousing

77

75

98

43

42

97

33

32

96

        Utilities

92

92

100

45

45

100

84

80

96

    Information

83

83

99

69

67

98

65

64

98

    Financial activities

80

78

98

64

63

98

66

64

97

        Finance and insurance

87

86

99

72

71

98

74

72

97

            Credit intermediation and related activities

90

89

99

71

70

99

75

73

98

            Insurance carriers and related activities

83

82

99

70

69

98

75

71

95

        Real estate and rental and leasing

53

50

95

38

38

99

36

35

98

    Professional and business services

57

56

98

39

38

98

39

38

96

        Professional and technical services

71

71

99

48

47

97

56

55

97

        Administrative and waste services

36

34

95

24

23

98

16

16

96

    Education and health services

62

61

98

31

30

97

38

36

94

        Educational services

68

67

99

35

35

99

58

55

95

            Junior colleges, colleges, and universities

86

85

99

46

46

99

80

77

96

        Health care and social assistance

61

60

97

30

29

97

35

32

94

    Leisure and hospitality

21

19

92

19

17

91

7

7

99

        Accommodation and food services

20

18

91

19

18

91

7

7

99

    Other services

38

35

94

28

27

97

23

21

93

1 to 99 workers

41

39

96

27

26

97

20

20

96

    1 to 49 workers

37

35

95

24

23

96

18

17

96

    50 to 99 workers

55

53

97

35

34

98

29

28

97

100 workers or more

76

74

97

51

50

98

46

44

95

    100 to 499 workers

70

67

96

44

43

98

36

34

95

    500 workers or more

86

84

99

61

60

98

59

57

96

Geographic areas

                 

New England

58

56

98

39

39

99

38

36

96

Middle Atlantic

56

55

98

72

71

99

32

31

97

East North Central

64

61

97

42

40

96

35

34

95

West North Central

60

58

97

30

30

98

31

30

96

South Atlantic

57

55

97

33

31

96

31

30

95

East South Central

64

62

96

36

35

96

37

36

97

West South Central

58

54

94

28

27

95

33

31

95

Mountain

57

54

95

26

25

98

29

27

94

Pacific

51

49

97

25

24

99

29

27

95

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.


NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary
of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.

2The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical Note for more details.