Department of Labor Logo United States Department of Labor
Dot gov

The .gov means it's official.
Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you're on a federal government site.

Https

The site is secure.
The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely.

Employee Benefits Survey
EBS EBS Program Links

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

Table 16. Insurance benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,
March 2014

(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

60

59

97

37

36

97

34

33

97

Worker characteristics

                 

Management, professional, and related

78

77

99

45

45

98

53

51

97

    Management, business, and financial

86

86

99

61

59

98

62

60

98

    Professional and related

75

74

98

39

39

99

49

47

96

        Teachers

74

72

98

22

22

98

40

38

96

            Primary, secondary, and special education
             school teachers

82

80

98

20

20

98

40

39

98

        Registered nurses

76

75

99

37

36

99

51

49

96

Service

34

33

94

21

20

95

13

12

97

    Protective service

70

67

96

26

25

96

22

21

97

Sales and office

59

57

97

37

36

96

34

33

96

    Sales and related

46

44

95

29

27

95

21

19

93

    Office and administrative support

66

64

98

42

40

97

41

40

97

Natural resources, construction, and maintenance

60

59

98

39

38

99

29

28

97

    Construction, extraction, farming, fishing, and
     forestry

53

52

98

34

33

99

22

21

97

    Installation, maintenance, and repair

66

65

98

43

42

98

35

34

96

Production, transportation, and material moving

66

64

97

46

44

98

31

30

97

    Production

74

72

97

53

53

99

35

34

97

    Transportation and material moving

59

57

97

39

37

96

28

27

97

Full time

75

74

98

45

44

98

43

42

97

Part time

14

12

88

14

13

91

6

5

95

Union

86

84

98

49

48

97

37

36

96

Nonunion

56

54

97

35

35

98

34

32

97

Average wage within the following categories3:

                 

    Lowest 25 percent

26

23

91

17

16

92

9

9

96

        Lowest 10 percent

14

12

88

13

11

92

3

3

96

    Second 25 percent

62

61

98

37

36

97

31

30

97

    Third 25 percent

76

75

98

47

46

98

45

43

96

    Highest 25 percent

86

84

99

53

52

99

58

56

97

        Highest 10 percent

89

88

99

57

57

99

61

59

98

Establishment characteristics

                 

Goods-producing industries

73

71

97

53

53

99

38

37

97

Service-providing industries

58

57

97

35

34

97

34

32

97

    Education and health services

68

67

98

29

28

98

39

37

96

        Educational services

76

74

98

25

25

98

41

39

95

            Elementary and secondary schools

76

75

98

22

21

99

35

34

97

            Junior colleges, colleges, and universities

83

80

97

31

30

97

55

52

94

        Health care and social assistance

63

61

98

31

31

98

37

36

97

            Hospitals

87

85

98

46

46

99

60

57

96

    Public administration

83

81

99

26

25

98

30

29

96

1 to 99 workers

41

40

97

28

28

97

23

22

97

    1 to 49 workers

36

35

97

26

25

97

20

20

97

    50 to 99 workers

55

53

96

36

35

98

31

30

98

100 workers or more

78

76

98

46

44

98

44

43

96

    100 to 499 workers

71

68

97

43

41

97

38

36

97

    500 workers or more

85

84

98

48

47

98

51

49

96

Geographic areas

                 

Northeast

59

58

99

61

60

99

33

32

97

    New England

59

57

98

39

38

98

35

34

98

    Middle Atlantic

59

58

99

69

69

99

33

32

97

South

63

61

96

31

30

96

33

32

96

    South Atlantic

62

60

97

34

33

96

35

33

96

    East South Central

65

63

96

30

28

95

33

32

96

    West South Central

64

61

95

27

26

97

31

31

97

Midwest

63

61

97

37

36

96

38

37

97

    East North Central

65

63

97

40

39

96

38

37

97

    West North Central

60

59

98

32

31

97

39

38

98

West

54

53

98

26

25

98

31

30

96

    Mountain

58

57

97

29

28

99

37

35

94

    Pacific

52

51

98

25

24

98

28

28

97

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.

3Surveyed 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 ECEC data for March 2014.


Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.