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

Table 16. Insurance benefits: Access, participation, and take-up rates,1 State and local government workers, 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

79

78

98

23

22

98

34

33

95

Worker characteristics

                 

Management, professional, and related

80

78

97

22

21

98

37

35

95

    Professional and related

79

77

97

20

20

97

36

34

95

        Teachers

78

76

97

19

18

97

36

35

96

            Primary, secondary, and special education
             school teachers

86

84

98

19

19

98

38

37

97

Service

76

74

98

23

23

97

26

25

95

    Protective service

86

85

99

22

21

98

25

24

96

Sales and office

79

78

98

24

24

98

35

34

97

    Office and administrative support

80

78

98

24

24

98

36

34

97

Natural resources, construction, and maintenance

91

89

98

28

28

100

45

44

99

Production, transportation, and material moving

76

76

99

22

21

99

28

27

95

Full time

90

88

98

25

24

98

39

37

96

Part time

22

21

96

12

12

98

10

9

92

Union

86

85

98

27

27

98

33

32

97

Nonunion

74

72

97

19

18

97

35

33

94

Average wage within the following categories2:

                 

    Lowest 25 percent

61

60

97

19

18

98

27

26

96

        Lowest 10 percent

47

45

96

14

13

98

21

20

97

    Second 25 percent

84

83

98

25

24

97

34

33

95

    Third 25 percent

84

83

98

24

23

97

39

37

95

    Highest 25 percent

89

87

97

25

24

98

38

37

96

        Highest 10 percent

89

86

96

27

27

99

32

31

96

Establishment characteristics

                 

Service-providing industries

79

77

98

23

22

98

34

33

95

    Education and health services

79

77

97

21

20

97

36

34

95

        Educational services

79

77

97

20

20

98

36

34

95

            Elementary and secondary schools

78

76

98

20

19

99

34

33

96

            Junior colleges, colleges, and universities

81

77

95

20

18

93

40

36

90

        Health care and social assistance

81

78

96

24

23

96

38

36

95

            Hospitals

90

87

97

23

22

97

41

40

98

    Public administration

83

81

99

26

25

98

30

29

96

1 to 99 workers

62

61

98

19

19

98

36

35

95

    1 to 49 workers

60

59

97

20

20

98

29

28

96

    50 to 99 workers

65

64

99

18

18

98

47

44

95

100 workers or more

82

80

98

23

23

98

34

33

95

    100 to 499 workers

74

73

98

19

19

96

31

30

97

    500 workers or more

84

82

98

25

24

98

35

33

95

State government

85

82

96

25

24

96

35

32

92

Local government

77

76

98

22

22

98

34

33

96

Geographic areas

                 

Northeast

81

79

98

34

34

99

17

16

97

    New England

73

67

91

7

7

100

15

14

93

    Middle Atlantic

84

84

100

44

43

99

17

17

98

South

82

79

97

17

17

96

30

28

93

    South Atlantic

83

81

98

27

26

95

44

41

94

    East South Central

85

79

93

19

18

91

    West South Central

78

76

98

11

11

100

15

14

94

Midwest

79

77

98

21

20

96

53

51

98

    East North Central

79

76

97

25

24

95

50

48

96

    West North Central

78

78

99

13

13

99

57

57

100

West

75

74

99

25

25

99

38

36

94

    Mountain

79

78

99

18

18

100

65

58

89

    Pacific

73

72

99

28

28

99

29

28

98

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.

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 ECEC data for March 2014.


Note: Dash indicates no workers in this category or data did not meet publication criteria. 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.