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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 private industry 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

57

55

97

40

39

97

34

33

97

Worker characteristics

                 

Management, professional, and related

78

77

99

54

53

99

59

57

97

    Management, business, and financial

87

86

99

65

64

98

65

64

98

    Professional and related

73

72

99

48

48

99

55

53

97

Service

27

26

93

20

19

95

10

10

98

    Protective service

48

42

89

33

31

95

17

17

98

Sales and office

57

55

97

38

37

96

34

32

96

    Sales and related

46

44

95

29

27

95

21

19

93

    Office and administrative support

64

62

98

44

43

97

42

41

97

Natural resources, construction, and maintenance

57

55

98

40

39

99

27

26

96

    Construction, extraction, farming, fishing, and
     forestry

48

47

98

34

34

99

18

18

97

    Installation, maintenance, and repair

64

63

98

44

43

98

34

33

96

Production, transportation, and material moving

66

63

97

47

46

98

31

30

97

    Production

74

71

97

54

53

99

35

34

97

    Transportation and material moving

58

56

97

40

38

96

28

27

97

Full time

72

71

98

49

48

98

44

43

97

Part time

13

11

87

15

13

91

5

5

96

Union

86

84

98

68

66

96

41

39

96

Nonunion

54

53

97

37

36

98

33

32

97

Average wage within the following categories2:

                 

    Lowest 25 percent

22

20

89

16

15

92

7

7

96

        Lowest 10 percent

13

11

87

12

11

93

3

3

95

    Second 25 percent

58

57

97

37

36

97

29

28

97

    Third 25 percent

73

71

98

50

50

98

45

43

97

    Highest 25 percent

84

84

99

62

61

99

63

61

97

        Highest 10 percent

89

89

99

67

66

99

69

67

98

Establishment characteristics

                 

Goods-producing industries

73

71

97

54

53

99

37

36

97

    Construction

45

44

97

29

29

100

17

16

96

    Manufacturing

83

81

97

63

62

99

44

43

97

Service-providing industries

54

52

97

37

36

97

33

32

97

    Trade, transportation, and utilities

56

53

95

36

34

95

26

25

95

        Wholesale trade

69

68

99

50

50

99

44

42

95

        Retail trade

43

40

92

26

24

91

15

14

93

        Transportation and warehousing

76

74

97

48

45

94

37

35

96

        Utilities

96

95

99

51

51

100

85

81

95

    Information

88

88

100

79

77

98

68

67

98

    Financial activities

82

82

99

65

64

99

66

63

96

        Finance and insurance

90

89

99

73

72

99

75

72

96

            Credit intermediation and related activities

93

93

99

72

71

99

80

77

97

            Insurance carriers and related activities

86

85

99

70

69

99

70

67

96

        Real estate and rental and leasing

58

56

98

39

39

99

36

34

96

    Professional and business services

57

56

98

44

43

97

43

42

98

        Professional and technical services

72

72

99

55

54

98

60

59

98

        Administrative and waste services

34

32

94

26

25

96

19

19

98

    Education and health services

62

61

99

34

33

99

40

39

97

        Educational services

66

66

100

43

43

100

60

58

96

            Junior colleges, colleges, and universities

86

86

100

50

50

99

82

79

97

        Health care and social assistance

61

60

98

32

32

98

37

36

97

    Leisure and hospitality

19

18

91

16

15

94

5

5

100

        Accommodation and food services

18

16

89

17

16

94

3

3

100

    Other services

34

34

98

27

26

96

17

17

99

1 to 99 workers

40

39

97

29

28

97

22

22

98

    1 to 49 workers

35

34

97

26

25

97

20

19

97

    50 to 99 workers

55

52

96

37

36

98

30

29

98

100 workers or more

77

75

98

53

52

97

48

46

97

    100 to 499 workers

70

68

97

46

45

97

38

37

97

    500 workers or more

86

85

99

62

61

98

61

58

96

Geographic areas

                 

Northeast

56

55

99

65

65

99

36

35

97

    New England

56

56

99

44

43

98

38

37

99

    Middle Atlantic

55

54

99

73

73

99

35

34

97

South

60

57

96

34

33

96

34

33

97

    South Atlantic

58

56

97

35

34

96

33

32

96

    East South Central

60

58

97

36

34

95

36

35

97

    West South Central

62

58

95

30

29

97

35

34

97

Midwest

61

59

97

40

39

96

36

35

97

    East North Central

62

61

97

42

41

96

36

35

97

    West North Central

57

55

98

35

34

96

36

35

97

West

50

49

98

26

25

98

30

29

96

    Mountain

55

54

97

30

30

99

33

32

95

    Pacific

48

47

98

24

23

98

28

27

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.

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: 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.