Table 16. Insurance benefits: Access, participation, and take-up rates,1 private industry workers, National Compensation
Survey, March 2013
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(All workers = 100 percent)
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Characteristics
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Life insurance
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Short-term disability
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Long-term disability
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Access
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Participation
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Take-up
rate
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Access
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Participation
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Take-up
rate
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Access
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Participation
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Take-up
rate
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Management, professional, and related
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Management, business, and financial
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Office and administrative support
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Natural resources, construction, and maintenance
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Construction, extraction, farming, fishing, and
forestry
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Installation, maintenance, and repair
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Production, transportation, and material moving
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Transportation and material moving
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Average wage within the following categories:2
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Establishment characteristics
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Goods-producing industries
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Service-providing industries
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Trade, transportation, and utilities
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Transportation and warehousing
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Credit intermediation and related activities
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Insurance carriers and related activities
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Real estate and rental and leasing
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Professional and business services
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Professional and technical services
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Administrative and waste services
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Education and health services
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Junior colleges, colleges, and universities
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Healthcare and social assistance
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Accommodation and food services
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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.
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NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary
of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20122013.htm.
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2Surveyed 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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
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