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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 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

57

56

97

40

39

98

34

33

97

Worker characteristics

                 

Management, professional, and related

77

77

99

54

53

99

58

57

98

    Management, business, and financial

85

85

99

66

65

99

64

63

98

    Professional and related

73

72

99

48

47

99

55

54

98

Service

28

26

93

20

20

96

11

11

97

    Protective service

50

45

89

32

31

95

17

16

99

Sales and office

56

54

98

38

37

97

33

32

96

    Sales and related

44

43

96

29

27

94

21

19

94

    Office and administrative support

63

62

98

45

44

98

41

40

97

Natural resources, construction, and maintenance

56

55

97

39

39

99

26

26

97

    Construction, extraction, farming, fishing, and
     forestry

48

47

98

32

32

100

17

16

97

    Installation, maintenance, and repair

64

62

97

45

44

99

34

33

97

Production, transportation, and material moving

65

63

96

47

45

96

31

30

95

    Production

71

69

97

53

52

98

35

33

96

    Transportation and material moving

59

56

95

41

38

94

28

26

93

Full time

72

71

98

49

48

98

44

43

97

Part time

13

11

88

14

13

92

5

5

97

Union

86

83

97

67

64

96

39

37

96

Nonunion

54

53

98

37

37

98

34

33

97

Average wage within the following categories:2

                 

    Lowest 25 percent

22

20

91

17

16

94

7

6

94

        Lowest 10 percent

12

11

88

13

12

93

3

2

88

    Second 25 percent

59

57

97

37

36

97

30

29

97

    Third 25 percent

72

71

98

50

50

98

46

44

97

    Highest 25 percent

84

84

99

63

62

99

62

61

97

        Highest 10 percent

89

88

99

67

67

99

68

67

98

Establishment characteristics

                 

Goods-producing industries

71

70

98

54

53

99

37

36

97

    Construction

44

43

97

30

30

99

17

16

96

    Manufacturing

82

80

98

63

62

99

44

43

97

Service-providing industries

54

53

97

37

36

97

33

32

97

    Trade, transportation, and utilities

56

54

96

36

34

94

25

24

94

        Wholesale trade

71

70

99

50

49

98

47

45

96

        Retail trade

43

41

95

27

25

93

12

11

92

        Transportation and warehousing

77

73

95

51

47

91

37

34

93

        Utilities

93

93

99

49

49

100

85

83

97

    Information

88

88

99

80

79

99

68

67

99

    Financial activities

83

82

99

64

63

99

64

63

97

        Finance and insurance

91

90

99

72

71

99

74

72

97

            Credit intermediation and related activities

94

93

100

70

69

99

81

78

97

            Insurance carriers and related activities

87

86

99

70

70

99

68

66

97

        Real estate and rental and leasing

56

54

98

38

37

98

32

30

96

    Professional and business services

57

55

98

43

42

98

41

40

98

        Professional and technical services

71

71

99

55

55

99

58

57

99

        Administrative and waste services

33

31

93

24

23

96

18

17

95

    Education and health services

63

62

99

35

35

99

44

42

97

        Educational services

64

64

100

45

44

100

61

59

97

            Junior colleges, colleges, and universities

86

85

99

48

48

99

81

77

96

        Health care and social assistance

62

62

99

34

34

99

41

40

98

    Leisure and hospitality

20

18

92

16

15

96

5

5

95

        Accommodation and food services

19

17

90

16

15

95

4

3

92

    Other services

33

31

96

26

26

100

18

17

95

1 to 99 workers

40

39

96

29

28

97

23

22

97

    1 to 49 workers

35

34

97

26

26

97

20

19

96

    50 to 99 workers

55

53

95

36

35

97

30

29

97

100 workers or more

77

75

98

53

52

98

48

46

97

    100 to 499 workers

71

69

98

47

46

97

39

38

97

    500 workers or more

86

85

99

63

62

98

61

59

97

Geographic areas

                 

Northeast

57

56

99

65

64

99

37

36

97

    New England

56

56

99

44

43

97

37

37

98

    Middle Atlantic

57

56

99

73

72

99

37

36

97

South

59

57

97

36

35

97

35

34

97

    South Atlantic

58

57

98

38

37

97

34

33

97

    East South Central

59

58

98

37

35

95

38

36

95

    West South Central

61

58

95

31

31

98

34

33

97

Midwest

60

59

97

40

39

97

35

34

97

    East North Central

61

59

97

42

41

97

35

34

97

    West North Central

59

57

97

37

36

98

36

35

97

West

50

49

98

25

24

97

29

28

97

    Mountain

54

53

97

31

29

96

32

30

95

    Pacific

48

47

98

22

22

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.

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: 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.