Insurance benefits: Access, participation, and take-up rates

Table 16. Insurance benefits: Access, participation, and take-up rates,1 civilian workers,2 March 2016
(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
59
57
98
38
37
97
34
33
97
Worker characteristics
                 
Management, professional, and related
77
76
99
45
45
99
52
51
97
    Management, business, and financial
83
83
99
61
60
98
62
60
96
    Professional and related
74
73
98
39
38
99
48
47
97
        Teachers
73
71
98
23
22
97
41
39
96
            Primary, secondary, and special education
             school teachers
82
81
98
21
21
98
41
40
97
        Registered nurses
77
77
99
42
42
99
52
51
98
Service
34
32
95
23
21
94
13
13
96
    Protective service
71
69
97
26
25
98
20
19
97
Sales and office
56
55
98
39
37
96
33
32
97
    Sales and related
42
40
96
31
29
93
20
19
94
    Office and administrative support
64
63
98
43
42
98
40
39
98
Natural resources, construction, and maintenance
58
56
97
36
35
98
27
26
97
    Construction, extraction, farming, fishing, and
     forestry
51
49
97
30
29
100
19
18
97
    Installation, maintenance, and repair
65
63
97
41
40
98
35
33
96
Production, transportation, and material moving
63
60
97
45
43
96
30
29
96
    Production
68
66
98
50
49
98
33
32
98
    Transportation and material moving
58
55
96
40
38
95
28
26
94
Full time
74
73
98
46
45
98
44
42
97
Part time
12
11
89
14
13
90
5
5
95
Union
85
83
97
50
48
96
37
36
97
Nonunion
54
53
98
36
35
97
33
32
97
Average wage within the following categories:3
                 
    Lowest 25 percent
24
22
92
18
17
91
8
8
94
        Lowest 10 percent
14
12
86
12
11
92
4
4
89
    Second 25 percent
61
60
98
39
37
96
32
31
97
    Third 25 percent
75
74
98
47
46
98
45
43
97
    Highest 25 percent
84
83
99
53
52
99
57
55
97
        Highest 10 percent
86
85
99
57
57
99
62
60
98
Establishment characteristics
                 
Goods-producing industries
70
68
98
51
51
99
37
36
97
Service-providing industries
57
55
98
36
34
97
33
32
96
    Education and health services
69
68
99
31
30
98
42
40
97
        Educational services
77
75
98
26
25
97
43
41
96
            Elementary and secondary schools
76
74
98
23
23
98
37
36
97
            Junior colleges, colleges, and universities
85
83
98
32
31
96
58
54
94
        Health care and social assistance
63
63
99
34
33
99
41
40
98
            Hospitals
90
89
99
48
47
99
60
59
98
    Public administration
82
81
98
26
26
98
31
29
94
1 to 99 workers
41
39
97
29
28
97
23
23
97
    1 to 49 workers
36
35
98
27
26
96
21
20
97
    50 to 99 workers
55
52
95
34
33
97
30
29
97
100 workers or more
76
74
98
47
45
97
44
42
97
    100 to 499 workers
68
66
98
45
44
97
37
36
97
    500 workers or more
85
83
98
48
47
98
51
49
96
Geographic areas
                 
Northeast
59
58
98
61
60
99
33
32
97
    New England
58
56
97
37
36
97
33
33
98
    Middle Atlantic
60
59
99
70
69
99
33
32
97
South
61
59
97
33
32
96
33
32
96
    South Atlantic
60
59
98
37
35
96
35
34
96
    East South Central
62
59
96
29
27
94
33
32
95
    West South Central
62
60
96
30
29
97
30
29
97
Midwest
62
60
98
38
37
96
38
37
97
    East North Central
61
59
97
41
39
96
38
37
97
    West North Central
64
63
98
32
31
97
39
38
97
West
51
50
98
26
25
97
30
29
96
    Mountain
54
53
98
29
28
96
35
34
95
    Pacific
50
49
98
24
24
97
28
27
96
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 2016.

Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.