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Employee Benefits Survey
EBS EBS Program Links

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

Table 16. Insurance benefits: Access, participation, and take-up rates,1 State and local government workers, 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
80
78
98
24
23
96
36
34
95
Worker characteristics
                 
Management, professional, and related
80
78
98
23
22
96
38
36
94
    Professional and related
79
77
98
21
20
96
37
35
95
        Teachers
79
77
98
20
19
96
37
35
96
            Primary, secondary, and special education
             school teachers
86
84
98
20
19
97
39
37
97
Service
77
76
98
23
23
96
28
26
95
    Protective service
86
85
98
22
22
98
27
26
97
Sales and office
81
80
98
25
25
98
38
36
97
    Office and administrative support
82
80
98
25
25
98
38
36
97
Natural resources, construction, and maintenance
93
91
99
28
27
99
44
43
99
Production, transportation, and material moving
77
74
97
22
22
97
29
28
95
Full time
90
88
98
26
25
97
40
38
95
Part time
22
21
96
12
11
92
10
10
92
Union
86
85
98
28
27
98
35
33
97
Nonunion
74
72
97
20
19
95
37
34
94
Average wage within the following categories:2
                 
    Lowest 25 percent
64
62
98
19
18
96
29
27
95
        Lowest 10 percent
50
49
97
15
15
95
23
22
95
    Second 25 percent
84
83
98
25
24
96
35
33
93
    Third 25 percent
84
83
98
26
25
97
39
37
95
    Highest 25 percent
89
87
97
25
24
98
40
39
96
        Highest 10 percent
89
85
96
29
29
98
33
32
97
Establishment characteristics
                 
Service-providing industries
80
78
98
24
23
96
36
34
95
    Education and health services
80
78
98
22
21
95
37
36
95
        Educational services
79
78
98
21
20
96
37
35
95
            Elementary and secondary schools
78
76
98
20
20
97
35
33
96
            Junior colleges, colleges, and universities
84
81
97
22
20
91
42
38
91
        Health care and social assistance
83
79
95
27
25
93
43
41
96
            Hospitals
91
87
96
27
25
95
45
44
98
    Public administration
82
81
98
26
26
98
31
29
94
1 to 99 workers
64
62
96
20
18
90
39
36
91
    1 to 49 workers
64
62
97
20
17
87
32
30
92
    50 to 99 workers
64
62
96
21
19
94
48
44
91
100 workers or more
82
80
98
24
23
97
35
34
96
    100 to 499 workers
75
73
98
20
19
97
34
33
97
    500 workers or more
85
83
98
25
25
97
36
34
95
State government
86
84
97
26
25
94
36
33
91
Local government
78
76
98
23
22
97
36
34
97
Geographic areas
                 
Northeast
81
79
98
34
34
98
17
16
97
    New England
71
66
92
7
7
100
17
15
93
    Middle Atlantic
85
84
99
44
43
98
17
17
98
South
82
80
97
18
18
95
31
29
92
    South Atlantic
83
81
98
28
26
93
43
40
92
    East South Central
89
85
96
21
19
91
    West South Central
76
75
98
11
11
100
16
15
94
Midwest
79
77
98
21
19
94
54
52
97
    East North Central
79
76
97
26
24
93
50
48
96
    West North Central
79
79
100
12
12
97
59
59
100
West
76
75
99
27
26
99
41
39
95
    Mountain
80
79
99
23
22
98
66
60
90
    Pacific
75
73
98
28
28
99
31
31
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 2016.

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.