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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 civilian workers,2 National Compensation Survey,
March 2015

(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

38

37

98

34

33

96

Worker characteristics

                 

Management, professional, and related

78

77

99

46

45

99

53

51

97

    Management, business, and financial

85

84

99

61

60

98

61

59

97

    Professional and related

75

74

98

39

39

99

49

48

97

        Teachers

72

71

98

23

22

98

40

39

96

            Primary, secondary, and special education
             school teachers

82

81

98

21

20

98

41

40

97

        Registered nurses

77

76

99

38

38

99

51

49

96

Service

35

33

95

21

20

96

13

13

97

    Protective service

71

68

96

26

25

97

22

21

98

Sales and office

58

56

98

37

36

97

33

32

96

    Sales and related

45

43

96

29

27

94

21

19

94

    Office and administrative support

65

64

98

42

41

98

41

39

97

Natural resources, construction, and maintenance

60

58

97

38

38

99

28

27

97

    Construction, extraction, farming, fishing, and
     forestry

53

52

98

32

32

100

20

19

97

    Installation, maintenance, and repair

66

64

97

44

43

99

35

34

97

Production, transportation, and material moving

66

63

96

46

44

96

31

30

94

    Production

72

70

97

53

52

98

35

33

96

    Transportation and material moving

60

57

95

40

37

94

28

26

93

Full time

75

74

98

45

44

98

44

42

96

Part time

14

12

89

14

13

93

5

5

96

Union

86

84

98

49

47

96

36

35

96

Nonunion

56

55

97

36

35

98

34

33

97

Average wage within the following categories:3

                 

    Lowest 25 percent

25

23

92

17

16

94

8

8

95

        Lowest 10 percent

13

11

89

13

12

94

3

3

91

    Second 25 percent

63

62

98

37

36

97

32

31

96

    Third 25 percent

76

74

98

47

46

98

45

43

96

    Highest 25 percent

85

85

99

54

53

99

57

55

97

        Highest 10 percent

89

88

99

59

58

99

61

60

98

Establishment characteristics

                 

Goods-producing industries

71

70

98

53

53

99

38

37

97

Service-providing industries

58

57

97

35

34

97

34

32

96

    Education and health services

69

67

98

30

30

99

41

40

97

        Educational services

76

74

98

26

25

98

42

40

95

            Elementary and secondary schools

76

74

98

23

23

98

37

35

97

            Junior colleges, colleges, and universities

84

81

97

30

29

97

55

52

94

        Health care and social assistance

64

63

98

33

33

99

41

39

97

            Hospitals

88

87

99

45

45

99

60

58

96

    Public administration

83

81

98

26

25

97

30

29

95

1 to 99 workers

41

40

97

28

28

97

23

22

96

    1 to 49 workers

36

35

97

26

26

97

20

20

96

    50 to 99 workers

56

53

95

35

34

97

31

30

97

100 workers or more

78

76

98

46

45

98

44

43

97

    100 to 499 workers

71

69

98

44

42

97

38

37

97

    500 workers or more

85

84

98

49

48

98

51

49

96

Geographic areas

                 

Northeast

60

59

99

61

60

99

34

33

97

    New England

59

57

98

39

37

97

34

34

98

    Middle Atlantic

60

60

99

69

68

99

34

33

97

South

63

61

97

33

32

97

34

33

96

    South Atlantic

62

60

98

36

35

96

36

34

96

    East South Central

64

62

97

31

29

96

34

33

95

    West South Central

64

61

96

28

28

98

31

30

97

Midwest

63

61

97

38

36

97

38

37

97

    East North Central

63

61

97

40

39

97

37

36

96

    West North Central

62

61

98

33

32

98

39

38

97

West

54

52

98

25

24

97

30

29

96

    Mountain

57

56

97

30

29

97

36

34

94

    Pacific

52

51

98

23

23

98

28

27

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.

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 wage data for March 2015.


Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm .