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

Table 16. Insurance benefits: Access, participation, and take-up rates,1 private industry 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
55
54
98
40
39
97
33
32
97
Worker characteristics
                 
Management, professional, and related
75
75
99
53
53
99
57
56
97
    Management, business, and financial
83
83
99
66
65
98
65
63
97
    Professional and related
71
71
99
47
47
100
53
52
98
Service
27
25
94
22
21
93
11
11
97
    Protective service
50
47
95
31
31
98
Sales and office
54
52
98
40
38
96
32
31
97
    Sales and related
41
40
96
32
29
93
20
19
94
    Office and administrative support
62
61
98
45
44
98
41
40
98
Natural resources, construction, and maintenance
54
53
97
36
36
98
25
24
96
    Construction, extraction, farming, fishing, and
     forestry
46
44
97
30
30
100
16
15
97
    Installation, maintenance, and repair
62
61
97
42
41
98
34
32
96
Production, transportation, and material moving
62
60
97
46
44
96
30
29
96
    Production
68
66
98
50
49
98
32
32
98
    Transportation and material moving
56
54
95
42
40
95
28
26
94
Full time
71
70
98
50
49
98
44
43
97
Part time
12
10
88
15
13
89
5
4
95
Union
84
80
96
69
66
95
39
38
96
Nonunion
52
51
98
38
37
97
33
32
97
Average wage within the following categories:2
                 
    Lowest 25 percent
21
19
91
17
16
91
7
6
93
        Lowest 10 percent
13
11
83
13
11
91
4
3
87
    Second 25 percent
57
55
97
40
38
96
29
28
97
    Third 25 percent
71
70
98
50
50
99
45
44
98
    Highest 25 percent
82
82
99
61
60
99
62
60
97
        Highest 10 percent
85
85
99
65
65
99
68
67
98
Establishment characteristics
                 
Goods-producing industries
70
68
98
52
51
99
37
36
97
    Construction
42
40
96
28
27
99
16
15
97
    Manufacturing
82
80
98
62
61
98
46
44
97
Service-providing industries
52
51
97
38
37
97
33
32
97
    Trade, transportation, and utilities
54
52
96
40
37
93
24
23
94
        Wholesale trade
70
69
99
52
51
99
45
43
97
        Retail trade
40
38
94
31
28
90
11
10
90
        Transportation and warehousing
74
70
95
55
52
94
38
35
93
        Utilities
96
96
100
44
44
100
82
81
99
    Information
88
87
99
80
80
99
74
73
99
    Financial activities
81
80
99
64
63
99
65
62
97
        Finance and insurance
90
90
100
72
72
99
76
74
97
            Credit intermediation and related activities
93
93
100
71
71
99
81
78
97
            Insurance carriers and related activities
87
86
100
71
71
99
71
70
98
        Real estate and rental and leasing
51
49
97
36
35
97
29
28
95
    Professional and business services
53
52
98
41
40
98
38
37
97
        Professional and technical services
67
66
98
52
52
99
53
52
98
        Administrative and waste services
31
30
96
23
23
98
16
15
97
    Education and health services
62
62
99
36
35
99
44
43
98
        Educational services
67
66
98
44
44
100
63
61
97
            Junior colleges, colleges, and universities
87
86
98
49
49
99
83
80
96
        Health care and social assistance
62
61
99
34
34
99
41
40
98
    Leisure and hospitality
18
17
90
18
17
91
5
5
95
        Accommodation and food services
17
15
88
17
15
89
4
3
93
    Other services
34
32
95
26
26
100
20
19
96
1 to 99 workers
40
39
97
29
28
97
23
22
97
    1 to 49 workers
35
34
98
27
26
97
21
20
97
    50 to 99 workers
54
52
95
35
34
97
29
28
97
100 workers or more
74
72
98
54
52
97
46
45
97
    100 to 499 workers
67
65
98
48
47
97
38
37
97
    500 workers or more
85
84
99
63
62
98
60
58
97
Geographic areas
                 
Northeast
56
55
98
66
65
99
36
35
97
    New England
56
54
98
42
41
97
36
36
98
    Middle Atlantic
56
55
98
74
73
99
36
35
97
South
57
55
97
36
35
96
34
32
97
    South Atlantic
56
55
98
38
37
96
34
33
97
    East South Central
56
53
96
34
32
94
36
34
95
    West South Central
60
57
96
33
32
97
32
31
98
Midwest
59
57
98
41
39
97
36
35
97
    East North Central
58
56
98
43
42
96
36
35
98
    West North Central
61
59
98
36
35
98
36
35
97
West
48
47
98
26
25
96
29
28
96
    Mountain
50
49
98
30
29
96
31
30
97
    Pacific
46
45
98
24
23
97
27
26
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.
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.