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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 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

80

78

98

23

23

97

35

33

95

Worker characteristics

                 

Management, professional, and related

80

78

97

22

21

96

37

35

94

    Professional and related

79

77

97

21

20

97

36

35

95

        Teachers

78

76

97

19

18

96

36

35

96

            Primary, secondary, and special education
             school teachers

85

84

98

20

19

97

38

37

97

Service

77

75

98

24

23

97

26

25

95

    Protective service

86

84

98

22

21

98

25

25

97

Sales and office

80

78

98

25

24

98

36

35

97

    Office and administrative support

80

79

98

25

24

98

36

35

97

Natural resources, construction, and maintenance

92

91

99

27

27

99

43

42

98

Production, transportation, and material moving

77

76

98

24

23

98

30

27

91

Full time

90

88

98

25

24

97

39

37

95

Part time

23

21

95

13

13

97

11

9

90

Union

86

85

98

28

27

98

34

33

96

Nonunion

74

72

97

19

18

96

35

33

94

Average wage within the following categories:2

                 

    Lowest 25 percent

63

61

97

20

19

97

28

26

95

        Lowest 10 percent

48

46

96

14

14

98

21

20

98

    Second 25 percent

84

82

98

24

23

96

35

33

94

    Third 25 percent

83

82

98

25

24

97

38

36

95

    Highest 25 percent

89

87

97

24

24

98

39

37

96

        Highest 10 percent

89

86

96

27

27

98

31

30

96

Establishment characteristics

                 

Service-providing industries

80

78

98

23

23

97

34

33

95

    Education and health services

79

77

97

21

21

97

36

34

95

        Educational services

79

77

97

21

20

97

36

34

95

            Elementary and secondary schools

78

76

98

20

20

97

34

33

96

            Junior colleges, colleges, and universities

83

79

95

20

18

93

41

37

91

        Health care and social assistance

80

77

96

25

24

97

39

37

96

            Hospitals

89

86

97

24

24

98

41

40

98

    Public administration

83

81

98

26

25

97

30

29

95

1 to 99 workers

63

61

97

20

19

94

38

34

91

    1 to 49 workers

62

60

97

20

19

92

32

29

90

    50 to 99 workers

64

62

97

20

20

98

47

43

92

100 workers or more

82

80

98

24

23

97

34

33

96

    100 to 499 workers

74

73

97

20

19

96

32

31

97

    500 workers or more

85

83

98

25

24

98

35

33

95

State government

86

83

96

25

24

95

35

32

91

Local government

77

76

98

22

22

98

35

33

96

Geographic areas

                 

Northeast

81

79

98

34

34

99

17

16

97

    New England

72

66

93

7

7

100

15

14

93

    Middle Atlantic

85

84

99

44

44

99

17

17

98

South

82

79

97

18

17

95

30

28

93

    South Atlantic

83

81

98

27

25

93

43

40

93

    East South Central

85

80

93

21

19

91

    West South Central

77

76

98

11

11

100

15

14

94

Midwest

79

77

98

21

20

96

53

52

97

    East North Central

79

76

96

26

24

95

50

48

95

    West North Central

79

79

100

12

12

99

58

58

99

West

75

74

99

27

26

99

39

36

95

    Mountain

80

79

99

23

22

97

65

59

90

    Pacific

74

73

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 wage data for March 2015.


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/glossary20142015.htm.